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Medicare Blog | Medicare News | Medicare Information

What does your prospect really want?

Posted by www.psmbrokerage.com Admin on Thu, Aug 18, 2016 @ 05:03 PM

What Does Your Prospect Really Want?What do sales professionals want to accomplish on prospecting calls?

• To reach the prospect directly.

• To “qualify” that prospect (usually by asking a lot of questions).

• Assuming they get “good answers” to set up an appointment or some other appropriate next step.

What do prospects want to know when you call them?

• Who are you and what do you want?

You’ll note that these two agendas are in direct opposition to each other. Unfortunately, many sales professionals are creating objections by following their own agenda rather than their prospect’s agenda.

Because sales professionals are generally taught that they need to ‘qualify the prospect’ they often start conversations with a new prospect as follows:

“Hello (Prospect Name). My name is (Name) and I’m with (Company Name). May I take a moment of your time to ask you some questions to determine whether we might be able to help you (Fill in the Blank)?”

Many sales professionals tell me they believe they are being respectful of a prospect’s time by asking, “May I take a moment of your time…” and that this question also serves to help in that all important qualification process.

The above script, however, does not answer the prospect’s two top questions: 1.) “Who are you?” and 2.) “What do you want?” When a prospect doesn’t have the answers to those two important questions, they frequently will not engage. Prospectors end up in a struggle before they’ve even really started.

So what’s the solution?

  1. Do your homework. Pre-qualify your list and make sure that you are only calling prospects that fit your well defined parameters.
  2. Create a solid introduction based on how you (your company, product or service) helps customers.
  3. When you get your prospect on the phone, get to the point. Saying what you have to say clearly and succinctly actually is more respectful of your prospect’s time then floundering around trying to convince a skeptical prospect to answer your questions.

When you follow your prospect’s agenda rather than your own, you will be astonished to discover how easy it can be to engage with prospects.

Source: http://www.lifehealthpro.com/2016/08/16/what-does-your-prospect-really-want?

 

Additional Updates:
  • SilverScript / CVS Retail Pharmacy Opportunity. Reserve your spot today - View
  • 2017 Medicare Advantage proposed benefits and expansion counties now available - View
  • 2017 Medicare Advantage Certification instructions now available - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Sales Tips, prospecting

Announcing the CMS Approved 2017 SilverScript Plan Designs

Posted by www.psmbrokerage.com Admin on Wed, Aug 10, 2016 @ 12:32 PM

2017 SilverScript Plan Designs Released

IMPORTANT UPDATE: 

SilverScript has released their 2017 CMS Approved Plan Designs.

Request Info

Did you know that SilverScript® has more members in a Part D plan than any other Part D plan sponsor? CMS reports that SilverScript has more than 5.5 million members and more than four million of these members are actively enrolled in our SilverScript Choice PDP. 

We are confident that SilverScript will be well received by Medicare beneficiaries and agents during the 2017 AEP, too. CMS just approved their 2017 PDP premiums, and plan designs are approved and finalized. We encourage you to have this product in your portfolio for the upcoming enrollment window.

Highlights Include:

  • Competitive Plan Designs with $0 Deductible
  • Unique Formularies
  • New e-App for 2017 Enrollments
  • Simple Certification Process
  • CVS / SilverScript Retail Pharmacy Opportunity
  • Much more!

Request details today and place your business with a proven leader.

2017 Certification Now Available:

The SilverScript Product and Process course is now available via the SilverScript Agent Portal’s Training & Certification page. Now is a great time to complete all of your annual certification requirements.

Remember, you must complete the 2017 annual certification requirements before you can market SilverScript plans this AEP and you must complete the requirements prior to December 7, 2016 (the last day of AEP), in order to be eligible for 2017 renewal commission.

SilverScript now has a direct relationship with the AHIP training website. Agents who have completed 2017 initial training and/or annual re-training certifications through AHIP can have their results automatically submitted to SilverScript. Instructions are on the SilverScript Agent Portal’s Training & Certification page.

Additional Updates:
  • 2017 Medicare Advantage proposed benefits and expansion counties now available - View
  • 2017 Medicare Advantage Certification instructions now available - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Part D, PDP, silverscript

Independent agents increase share of Medigap revenue

Posted by www.psmbrokerage.com Admin on Thu, Aug 04, 2016 @ 03:01 PM

Independent_Agents_Increase_Share_of_Medigap_Revenue.png

More issuers of Medicare supplement insurance policies are selling the products directly to consumers, but independent agents are generating a higher percentage of the Medigap sales revenue.

Analysts at Gen Re have put data supporting that conclusion in a summary of results from Gen Re's 2015 Medigap issuer survey.

A Medigap insurance policy helps people who have the traditional Medicare Part A hospitalization insurance and the traditional Medicare Part B physician and outpatient services coverage fill in the many traditional Medicare coverage gaps. A Medigap plan can help the enrollee meet Medicare deductibles and pay Medicare co-payment and coinsurance bills.

Gen Re, a Stamford, Connecticut-based reinsurance arm of Warren Buffett's Berkshire Hathaway Company, received 51 completed questionnaires for its 2015 Medigap issuer survey. That was down from 54 in 2014, but it was up from 50 in 2013.

More Medigap issuers reported they are selling the products straight to consumers, without help from agents. The percentage of issuers saying they used the direct-to-consumer channel rose to 55 percent in 2015. That was up from 51 percent in 2014, and up from 41 percent in 2013.

But 87 percent of the active issuers said they sold Medigap coverage through independent agents last year.

The share of sales revenue coming from independent agents rose to 67 percent in 2015. Independent agents accounted for 65 percent of the issuers' sales in 2014, and 59 percent in 2013.

In 2015, 40 of the Medigap issuers that participated in the Gen Re survey were actively selling new Medigap policies.

Revenue from new sales rose 4.2 percent, to $2.2 billion. The number of people covered by the new policies sold rose 3.2 percent.

Revenue from all Medigap policies in force rose 5.7 percent, to $19 billion. The number of people covered by the policies rose 8.5 percent.

Congress created a standardized "letter plan" system for Medigap in 1992. Each new plan sold must offer the standard package of benefits associated with one of the letter plan categories, such as the popular Plan F category.

But the country relies mainly on state insurance regulators to oversee the Medigap market. The Centers for Medicare & Medicaid Services has much less direct involvement with overseeing Medigap plans than with overseeing Medicare Advantage plans or the Affordable Care Act public exchange plan system.

Because CMS gets less information about the Medigap program, it tends to publish less data on that program than on other big public health programs.

Source: http://www.lifehealthpro.com/2016/08/01/independent-agents-increase-share-of-medigap-reven

Related: Medigap enrollment rises 6.5%

Additional Updates:
  • Simple client meeting rules every salesperson should know - View
  • How to hit your quota and do it the right way - View
  • 2017 Medicare Advantage proposed benefits and expansion counties now available - View
  • 2017 Medicare Advantage Certification instructions now available - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Medicare Supplement, Medigap

UnitedHealthcare 2017 Medicare Advantage First Looks

Posted by www.psmbrokerage.com Admin on Fri, Jul 29, 2016 @ 08:46 AM

UHC - Strength Stability Hassle Free

IMPORTANT UPDATE: 

UnitedHealthcare has released their 2017 Medicare Advantage First Looks.

Request_Info.png

Known for their strength and stability, UnitedHealthcare is poised for a fantastic 2017 AEP. They have introduced some significant market expansions and have continued to focus on providing their members a world class experience second to none in the industry.

We are proud to represent UnitedHealthcare as one of our Medicare Advantage carriers and look forward to making sure our agents are educated on all the benefits they have to offer as an organization. With strong brand name, comprehensive plan designs and a focus on customer service, UnitedHealthcare is the carrier of choice for senior market agents. Their mantra of "Strength, Stability, and Hassle Free" continues to resonate with both members and agents alike in this ever-changing market.

Highlights Include:

  • Significant market expansions for 2017
  • Comprehensive plan designs with the addition of more $0 premium plans
  • New Part D plans
  • Fitness facility benefit including SilverSneakers
  • Great customer retention programs to keep your business on the books and educate members on all the benefits UHC has to offer
  • Customized marketing materials to help you stand out
  • The popular LEAN enrollment tool 
  • and much more!

Request details today and place your business with a proven leader.

Additional Updates:
  • 2017 Medicare Advantage proposed benefits and expansion counties now available - View
  • 2017 Medicare Advantage Certification instructions now available - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Medicare Advantage, UnitedHealthcare

Anthem, Aetna sued by U.S. seeking to block insurer mergers

Posted by www.psmbrokerage.com Admin on Fri, Jul 22, 2016 @ 09:25 AM

Anthem, Aetna sued by U.S. seeking to block insurer mergers(Bloomberg) — U.S. antitrust enforcers roundly rejected a pair of proposed deals that would consolidate the nation’s five biggest health insurers into just three.

The Justice Department filed an antitrust lawsuit to stop Indianapolis-based Anthem’s merger with Bloomfield, Connecticut-based Cigna Corp. in federal court in Washington on Thursday and also moved to block Hartford-based Aetna’s planned merger with Louisville, Kentucky-based Humana.

Eight states including Florida and Illinois, plus the District of Columbia, are joining the federal government’s suit to block the Aetna-Humana deal.

Nine states and the District of Columbia joined the U.S. action against the Anthem-Cigna deal, including California, New York and Connecticut. "If permitted to proceed, Anthem’s purchase of Cigna likely would lead to higher prices and reduced benefits," the Justice Department said in the complaint, which was filed in federal court in Washington Thursday.

Anthem, in a statement, said it was fully committed to challenging the DOJ action in court but would remain receptive to efforts to reach a settlement with the Justice Department.

The U.S. action is “an unfortunate and misguided step backwards for access to affordable healthcare for America,” Anthem said. “The DOJ’s action is based on a flawed analysis and misunderstanding of the dynamic, competitive and highly regulated healthcare landscape and is inconsistent with the way that the DOJ has reviewed past healthcare transactions. ”

Cigna said it was “evaluating its options consistent with its obligations under the agreement” and said it doesn’t expect the transaction will close in 2016. “The earliest it could close is 2017, if at all.”

The actions are likely to set off a round of court battles as the insurers are obliged to fight the moves and could spark renewed pursuit of smaller players in the industry if the deals fail.

The cases are U.S. v. Anthem Inc., 16-cv-1493, U.S. District Court, District of Columbia (Washington) and U.S. v. Aetna Inc. 16-cv-1494, U.S. District Court, District of Columbia (Washington).

Source: http://www.lifehealthpro.com/2016/07/21/anthem-aetna-sued-by-us-seeking-to-block-insurer-m?t=medicare

Additional Updates:
  • New Medicare Supplement releases from Mutual of Omaha in Pennsylvania, Tennessee and Texas with "Cash for Apps" incentive. Call today for details at 800-998-7715
  • Medicare Advantage market penetration - Mark Farrah Associates report - View
  • 2017 Medicare Advantage preliminary benefits and expansion counties now available - View
  • 2017 Medicare Advantage Certification instructions now available - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Humana, Cigna, Medicare Advantage, Medicare Supplement, aetna, Anthem, DOJ

Med Supp vs. MA: Which One Is Right for Your Client?

Posted by www.psmbrokerage.com Admin on Fri, Jul 08, 2016 @ 04:57 PM

MED SUPP VS. MA

If you’ve been keeping up with everything that has been happening in senior health care, then you have noticed all the changes within the Medicare program. However, Medicare is more than just insurance.

In many ways, Medicare is a capstone for the years and, in some cases, decades of planning and work that advisors have done to help their clients plan and save for a comfortable retirement. 

Health care costs continue to be the No.1 cause of bankruptcies in the United States, and this is especially true among the elderly. A good, solid, compatible health care plan that works with Medicare can go a long way toward making sure your clients’ retirement years work out the way they, and you, have planned.

The catch is that there are two solutions to these problems. Depending on where you live, both solutions are viable for some clients, but are not the right fit for others. A third option exists: employer or group coverage. I will skip discussing that third option in this article because employer/group coverage is not available to all your clients, and the benefits and costs associated with that coverage are vast. If a group option exists, take a look at it as a viable choice for your client, but do not assume it is better coverage than the private options. It always pays to do some due diligence comparisons with these plans.

So let’s take a look at our two contenders.

Old Faithful: The Medicare Supplement

Medicare supplements have been mostly unchanged since 1990. Prescription drugs were removed from the plans in 2006. Over the years, a few plan letters were eliminated and a few more plan types were added. But for the most part, a Medicare supplement today is still the Medicare supplement of 20 years ago.  That is important. Medicare supplements generally do not change their benefits much from year to year. 

Medicare supplements have plan letters. They range from A through N, with some letters skipped. And the plan letters from 1990 offer pretty much the same things today as they did then. The best way to get a look at Medicare supplement benefits is to review an insurance company’s summary of benefits or the government guide, “Choosing a Medigap Policy.” For most plans, a benefit is covered at 100 percent or not covered at all. If you have a client who wants something fully covered — no copays, no fuss, no annual changes — this could be what they want. And to make things even more convenient, your client can use most supplements with any doctor, any hospital, anywhere in the United States as long as those doctors and hospitals accept Medicare. So there are neither network considerations nor travel restrictions on health care if your client opts for a Medicare supplement.

But the Medicare supplement has two downsides. The first is the premium. Although premiums generally vary by state, county and even ZIP code, they tend to be larger than premiums charged by other plans. Medicare supplement premiums also have a tendency to go up, probably on an annual basis. 

The other downside to a Medicare supplement is underwriting. A supplement requires your client to answer health questions. Depending on your client’s health, the opportunity might be closed to them at a later date. Federal laws require one opportunity to get a Medicare supplement on a guaranteed basis once in a person’s lifetime. This is called an “open enrollment period.” Some states extend or repeat that period beyond the federally mandated minimums, but if your client lives in a state where there is only one open enrollment period in a lifetime, the idea of a supplement and the consequences of its premium should not be overlooked.

This type of plan is a natural extension of financial planning and the other insurance products the advisor offers. The premium is easily projected coverage that’s guaranteed renewable for life.

The Scrappy Contender: Medicare Advantage

OK, that’s a bit of a misnomer. Medicare Advantage isn’t exactly new. This year marks the 10th anniversary of Medicare Advantage in its current form, but Medicare Advantage has a history of more than 20 years in the market under different names. 

Medicare Advantage plans are alternative ways to receive health care. A person in a Medicare Advantage plan is still in the Medicare program (they must continue to pay their Medicare Part B premium), but they choose to replace Medicare Parts A and B’s cost-sharing with the insurance company’s coinsurance and copays. The 20 percent coinsurance of Medicare Part B is still there, just broken down and transformed into more projectable costs. There is no Medicare supplement-style product that will cover leftover costs as thoroughly and completely as Medicare plus a Medicare supplement. But if you have clients with a preference for a reduced “pay-as-you-go” program, this is a way to give them what they want.

Medicare Advantage plans are the right choice for some clients. A Medicare Advantage plan typically has a monthly cost that is lower than a Medicare supplement. In some areas, there are options available at no additional cost beyond the payment of the Medicare Part B premium.

I’ve had financial advisors ask, “If these just change the structure of the Medicare Part B coinsurance, is there any reason to consider these plans over having nothing at all?” The answer is a definite yes. The copays on Medicare are typically a flat 20 percent with no cap on them.

Medicare Advantage gives you a schedule of costs your clients can plan for. Medicare Advantage plans also have a maximum out-of-pocket limit. This means that if the worst happens to your client’s health, there is a fixed amount of cost they can prepare for. Also, many Medicare Advantage plans include prescription drug coverage, adding a level of convenience for some clients.

Medicare Advantage plans have some downsides, however. The two most critical are networks and the out-of-pocket maximum. Typically, that maximum is many times the annual premium of a Medicare supplement. If you are dealing with a client who is concerned about having many out-of-pocket costs, the Medicare Advantage plans might not be a good fit.

And a Medicare Advantage plan is networked. The two most prevalent types of plans around the country are HMO plans and PPO plans. This means that access to doctors might be a concern, depending on your client’s needs and location.

Medicare Advantage plans have another consideration: change. Medicare Advantage plans alter their cost structure annually. This means that the premiums, copays, coverage, drug list and even counties where they provide service can increase, decrease or drop completely. Essentially, every Jan. 1, any client you have in a Medicare Advantage plan has a brand-new plan.

The Referee: You!

We tell our clients that we understand they really don’t need us if they want to buy insurance. Just about every company will sell it to them online, over the telephone or by mail. The reason why you will get clients to buy from you is because you will do the analysis for them. A typical client does not know what they do not know about health care. And by showing the good and the bad about the choices available to them, you are doing as much to help them protect their assets as you would with any other line of product.

Source: http://www.insurancenewsnetmagazine.com/article/-med-supp-vs-ma-which-one-is-right-for-your-client-3062#.V4AWa9IrJhE

Additional Updates:
  • Aetna and UnitedHealthcare have announced their 2017 Medicare Advantage expansion counties. Call 800-998-7715 for details.
  • 2017 Medicare Advantage Certification instructions now available - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Medicare Advantage, Medicare Supplement

Medicare Advantage Hospital Networks: How Much Do They Vary?

Posted by www.psmbrokerage.com Admin on Fri, Jul 08, 2016 @ 08:40 AM

Medicare Advantage Hospital Networks

A growing number of Medicare beneficiaries receive their care through HMOs and PPOs, known as Medicare Advantage plans; yet, little is known about the size and scope of the provider networks available to beneficiaries enrolled in these plans.  Beneficiaries enrolled in Medicare Advantage plans can face significant expense if treated by an out-of-network provider, except in emergencies.

This report, the first broad-based study of Medicare Advantage networks, takes an in-depth look at plans’ hospital networks, examining their size and composition.  The analysis draws upon data from 409 plans, including 307 HMOs and 102 local PPOs, serving beneficiaries in 20 diverse counties that together accounted for about one in seven (14%) Medicare Advantage enrollees nationwide in 2015.  Key findings include:

  • On average, Medicare Advantage plan networks included about half (51%) of all hospitals in their county.
  • Most plans (80%) included an Academic Medical Center in their network, but one in five did not.
  • Two in five plans in areas with an NCI-designated cancer center did not include the center in their networks.
  • Almost one-quarter (23%) of Medicare Advantage plans in our study had broad hospital networks in 2015. About one in six plans (16%) had narrow or ultra-narrow networks (Figure ES.1).
  • In 9 of the 20 counties studied, none of the plans offered in 2015 had a broad network of hospitals within that county (Clark, NV; Cook, IL; Davison, TN; Harris, TX; Jefferson, AL; King, WA; Los Angeles, CA; Pima, AZ; and Salt Lake, UT).
  • Among HMOs, which comprised the majority of the plans in the study (75%), broad and narrow network plans had similar average premiums ($37 vs. $36 per month) and similar quality ratings (3.8 vs. 4.1 stars).

Hospital_Networks_Vary_Across_Medicare_Advantage_Plans.png

People on Medicare often say that having access to specific doctors and hospitals is a high priority when choosing their Medicare Advantage plans. Yet, plan directories are often riddled with errors, omissions and outdated information that makes it difficult and sometimes impossible to tell which hospitals are included in-network – a finding that emerged over the course of this study.

Creating networks of providers is one of many strategies available to insurers to help control costs and manage the delivery of care. But narrower networks may also limit consumers’ access to certain providers or increase costs for care obtained out-of-network.  For Medicare Advantage enrollees who place a high value on having access to a particular set of providers, or a broad range of providers, the findings underscore the importance of comparing provider networks during the Annual Election Period – a task that is easier said than done.

Source: http://kff.org/medicare/report/medicare-advantage-hospital-networks-how-much-do-they-vary/

Additional Updates:
  • Aetna and UnitedHealthcare have announced their 2017 Medicare Advantage expansion counties. Call 800-998-7715 for details.
  • 2017 Medicare Advantage Certification instructions now available - View
  • Manage your attention, not your time  - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Medicare Advantage

Sell Value Rather Than Price

Posted by www.psmbrokerage.com Admin on Wed, Jun 29, 2016 @ 08:47 AM

Sell Value Rather Than Price

Value selling says that customers buy your value or service because they anticipate enjoying a value that they would not have in the absence of your product or service. People don’t buy products, they buy the results the product will give them.

Sell the value and the benefit of your product or service to your customer. Focus on explaining and expressing how it works for the customer. If you focus on the value, the price becomes less and less important. If you don’t focus on value, the only thing you can talk about is price.

 

What is value selling?

Now, here’s the research…

 The research says that the value is the difference between the price you charge and the benefits the customer perceives he will get. If the customer perceives he will get a lot of benefit for the price they pay, then their perception of value is very high. So you can control that.

Teach people how much they will benefit, how much your product or service will help them, and all of the things your product or service can do to help them achieve their goals and solve their problems. The more you focus on these values, the less important price becomes.

How to sell value instead of price

Here are a few actionable items you need to do to ensure you’ll get the sale.

1) Who will buy your product?

Ask yourself, “Who is the person who is most likely to buy my product and buy it immediately?”

Then create a customer avatar based on this information. How old are they? Are they male or female? Do they have children? How much money do they make? What is their level of education?

2) Identify your customer’s problem clearly

Once, you’ve done this, you’ll be able to move on to the next step which is identifying your ideal customer avatar’s problem clearly.

What kind of problem does your customer have that you can solve? If you have identified your customer correctly, these people will pay you to solve their problem. Sometimes the problems are obvious and clear. Sometimes the problems are not obvious or clear. Sometimes the problems do not exist for the customer. If the problem does not exist, the customer will not buy your product.

3) Make a list of all your product benefits

Finally, make a list of all of the benefits of your product or service and the ways it will solve your customer’s problems. The more benefits and solutions you can clearly provide to your customers, the less they will be able to deny your product will solve their problem.

I’d like to leave you with a thought: “The more you focus on the value of your product or service, the less important price becomes.”

Source: http://www.lifehealthpro.com/2016/06/23/how-to-sell-value-rather-than-price

Additional Updates:
  • PSM 4th of July holiday hours - View
  • Aetna and UnitedHealthcare have announced their 2017 Medicare Advantage expansion counties. Call 800-998-7715 for details.
  • 2017 Medicare Advantage Certification details - View
  • Hot - Introducing a New Med Supp from Thrivent Financial  - View
  • Hot - Liberty Bankers Life breaks into the Med Supp market  - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Creating Value

The 2017 Medicare Advantage Enrollment Window is Right Around the Corner...Be Prepared with PSM

Posted by www.psmbrokerage.com Admin on Thu, Jun 23, 2016 @ 09:58 AM

2017 Medicare Advantage Sneak Peeks

The AEP is right around the corner and there are some exciting opportunities on the horizon for 2017.

Make sure you are up to date with the latest information including expansion areas (available now for select carriers), plan designs (coming soon) and certification announcements.Join our update list today or call one of our marketing representatives at 800-998-7715 for the latest information.

As an added value, we are providing a discount on AHIP training for being a part of our team. Click on the link below to access the details.

Updates Include:

  • Service area expansions and reductions from current companies
  • Sneak Peeks at pricing and benefit information
  • Comparison tools and lead generation ideas
  • Certification announcements - AHIP Discount for PSM Agents

Bonus: CMS also just released some great news for Medicare Advantage and PDP commission rates for 2017 and they are the highest ever! Details located here.

More exciting details to come and we look forward to being your one-stop-shop for all your Medicare needs this enrollment season.

Additional Updates:
  • Aetna and UnitedHealthcare have announced their 2017 Medicare Advantage expansion counties. Call 800-998-7715 for details.
  • 2017 UnitedHealthcare and AHIP Certification details - View
  • Introducing a New Med Supp from Thrivent Financial  - View
  • Liberty Bankers Life breaks into the Med Supp market  - View
  • A great product for lead generation and referrals - View
  • New electronic scope of appoitment with Silverscript - View
  • Sell Medicare Supplements from virtually anywhere - View
  • FREE Med Supp Online Quoting Tool for PSM Agents - View

Tags: Medicare Advantage, Medicare, ma commissions,, PDP

2 New Exclusive Medicare Supplement Releases from PSM - Liberty Bankers Life and Thrivent Financial

Posted by www.psmbrokerage.com Admin on Thu, Jun 16, 2016 @ 04:15 PM

New Med Supp Product ReleaseSPECIAL ANNOUNCEMENT:

PSM is proud to announce two New Exclusive Medicare Supplement products now available for our agents to get contracted.

Liberty Bankers Life Medicare Supplement

Thrivent Financial Medicare Supplement

Both products are poised to take the industry by storm with ultra competitive rates and commissions. We are excited to bring these new opportunities to our agents and make sure you have the most competitive options in your portfolio.

Along with excellent rates and commissions, you can also expect to see best in class service and support along with some new technology to make it easy to write business.

Some preliminary highlights include:

  • Multi-state release
  • Well respected brand names
  • Excellent commissions with immediate vesting
  • Ultra competitive rates with HHD*
  • e-Contracting for agents
  • e-App for clients
  • Comprehensive portal to run quotes, access forms and manage business
  • and much more

We appreciate the opportunity to be your broker of choice and look forward to working with you on these exciting new offerings. Please click on the links above to request information or call our office at 800-998-7715.

* May not be available in all states
Image courtesy of Freepik

Additional Updates:
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Tags: Medicare, Medicare Supplement, Breaking News

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