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Welcome to the Vipers' Nest
This session is repeated at 4:00pm
Date: Wednesday, September 24, 2025 Beginning at 1:30 PM
Session Duration

Learning Objective
- Why Medicare is the primary payer for employees on COBRA after the age of 65 - The rules of Health Savings Accounts and the restrictions that Medicare can impose on these unique retirement accounts - Simple, yet powerful, talking points about Medicare to use with employees

Session Description
Beware! HR professionals are often unaware of the dangers of Medicare-related mistakes until they impact their employees or company. All-to-common mistakes break federal labor laws, saddle retirees with lifelong late enrollment penalties, or even leave retirees without ANY functional health insurance—any of which could be disastrous for the both the employee AND the employer.

In this entertaining session (yes, really!), you'll learn the most common Medicare-related mistakes made by HR professionals and how to steer clear of them, with a special emphasis on COBRA, Medicare secondary payer rules, Health Savings Accounts (HSAs) and Guaranteed Issue Right.

Session Speaker

Melinda Caughill

65 Incorporated

More About Melinda Caughill

Melinda is a passionate and entertaining Medicare expert. For more than 15 years, Melinda has provided seniors, their families, and their trusted advisors with unbiased Medicare guidance. She’s been a presenter for SHRM24, MISHRM, Schwab IMPACT, Allstate, Edward Jones, Financial Experts Network, LPL, Raymond James, and more. Her Medicare insights have been featured in the Wall Street Journal, Consumer Reports, Morningstar. She’s consulted with prominent corporations like PBS and MacMillan Publishing. Today, Melinda uses her extensive experience to provide professionals in a variety of industries with unbiased, individualized Medicare enrollment guidance. Best of all, Melinda does not, nor do her companies, sell Medicare insurance.