Executive Summary: Product Design for the Post-Medicare Market: What a Silver Offering Looks Like
LFP-16.06 — The Post-Medicare Market#
Silver assembles the components analyzed across this series into a coherent product for the 65-plus entrepreneurial population. None of the components is novel in isolation. The integration is the product. The entrepreneur currently purchases each component separately, from different vendors, without coordination, and without capturing the full tax advantage available through their business structure. Silver consolidates the purchase, coordinates the coverage, and optimizes the economics.
The component stack begins with a group Medicare Supplement (Plan G) accessed through employer or association mechanism, filling Part A and Part B cost-sharing gaps including the $1,676 per benefit period hospital deductible and uncapped 20 percent Part B coinsurance. The HRA financing mechanism transforms personal expenses into business-deductible reimbursements, with annual funding at $12,000 to $18,000 covering typical premium and out-of-pocket loads. Bundled dental addresses the largest Medicare gap: nearly half of beneficiaries did not visit a dentist in recent survey years with cost as the primary barrier, and dental implants average $3,000 to $6,000 per tooth. Bundled vision covers routine refractive exams and eyewear that Medicare excludes. Bundled hearing provides hearing aid allowances and fitting services for a condition affecting one-third of adults 65 to 74 and half of those over 75.
International care coordination serves the mobile population with travel medical insurance, access to vetted international facilities through the Black cross-border infrastructure, and telemedicine for U.S. provider consultation while abroad. Specialty drug supplementation addresses medications inadequately covered by Part D formularies, including international pharmacy purchasing for maintenance medications. The concierge layer transforms Silver from a benefits collection into a managed service: a named concierge handling Medicare questions, claims coordination, HRA reimbursement, dental and vision scheduling, international care logistics, and year-end tax documentation.
Silver pricing sums component costs to $600 to $900 per month before tax optimization. After HRA reimbursement and business deductibility (30 to 45 percent effective reduction), the net cost ranges from $350 to $600 monthly. Silver sits alongside Core, Plus, and Black as the fourth tier, serving a different population rather than a different benefit level, sharing infrastructure across cross-border care networks, ancillary vendor relationships, and the concierge platform. The lifetime value proposition extends the entrepreneur’s TPA relationship from a 10-year level funded engagement to a 20- or 25-year relationship through Silver.