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Product Spotlight: Heartland National Hospital Indemnity

Posted by www.psmbrokerage.com Admin on Thu, Sep 27, 2018 @ 10:33 AM

Heartland National Hospital Indemnity Plans

PSM Product Spotlight

Heartland_National_Logo_No_BorderToday in the spotlight, we will review Heartland National's Hospital Indemnity.

Ask any successful Medicare Advantage producer what he is most likely to cross sell with every MA plan sold and you’ll hear… Hospital Indemnity

While medical insurance is good to have, it still leaves gaps in coverage that a policyholder is responsible for. A Hospital Indemnity plan will help bridge the gaps left open from a Medicare Advantage Plan (MADP), by providing a direct cash benefit to the policyholder. 

Most Medicare Advantage Plans don't cover the first 4 to 7 days of a hospitalization. Per the American Hospital Association (AHA) Hospital Statistics, the average hospital stay cots $8,793, with the average length for adults age 65+ being 5.5 days, according to the National Center for Health Statistics. 

For many people that kind of out of pocket cost is not easy to come by. A Hospital Indemnity plan can ease that burden and make for a very affordable alternative to help your clients cover these unexpected costs. 

While there are quite a few Hospital Indemnity products available, the Secure Advantage Flex product from Heartland National has some unique features not readily available through other product options.

Unlike many Hospital Indemnity products, the Secure Advantage Flex product from Heartland National offers Guaranteed Issue for ages 64 1/2 to 65 1/2, meaning you get 100% placement on your business for these applicants.  

Additionally it offers a 7% Household Discount for qualified applicants to help keep premiums more affordable.

Another key feature offered in this product is an Observation Unit Benefit paying a cash benefit for each day spent within an Observation Unit. 

Moving inpatients to an Observation Unit is becoming a more common practice within hospitals today, and many Hospital Indemnity products do not offer this benefit leaving your client open to unexpected costs.

While the Observation Unit Benefit, along with Daily Inpatient Hospital Benefit and Emergency Room Benefit is a standard inclusion for this product, it lives up to its name of Secure Advantage Flex by giving you additional optional benefits to truly tailor the product to your clients’ needs. 

These optional benefits and riders include:

  • Lump Sum Cancer Benefits
  • Ambulance Benefits
  • Lump Sum Hospital Confinement Benefits
  • Lump Sum Outpatient Surgery Benefits
  • Skilled Nursing Facility Benefits
  • Wellness Benefits
  • Dental, Vision, and Hearing Benefits

Finally in an effort to make doing business with Heartland National easy, they offer a simple to use electronic application or straight telesales application which can both be used to help complete sales remotely and quickly.  However, you old-timers shouldn’t fear, they still have a paper app for use, if you prefer.

Combine all of this with competitive rates and a handsome commission including lifetime renewals, and it truly makes an outstanding addition to your senior market portfolio.

Not appointed with Heartland National? I encourage you to learn more and put this in-demand product in your portfolio, request details here

Additional Updates:
 

Tags: Hospital Indemnity, product spotlight, Heartland National

15 of Jim Rohn's Best Quotes

Posted by www.psmbrokerage.com Admin on Mon, Sep 24, 2018 @ 02:56 PM

15 of Jim Rohn's Best Quotes

For more than 40 years, Jim Rohn honed his craft like a skilled artist, helping people all over the world sculpt life strategies that expanded their imagination of what is possible. Today we celebrate Jim Rohn with some of his most iconic advice. Let his words motivate you to challenge yourself, make positive changes and attract success

Jim Rohn Quotesjimrohntreatment

1. “I used to say, ‘I sure hope things will change.’ Then I learned that the only way things are going to change for me is when I change.”


2. “One of the best places to start to turn your life around is by doing whatever appears on your mental ‘I should’ list.”


3. “Every life form seems to strive to its maximum except human beings. How tall will a tree grow? As tall as it possibly can. Human beings, on the other hand, have been given the dignity of choice. You can choose to be all, or you can choose to be less. Why not stretch up to the full measure of the challenge and see what all you can do?”


4. “Human beings have the remarkable ability to turn nothing into something. They can turn weeds into gardens and pennies into fortunes.”

Jim Rohn Education

5. “Formal education will make you a living; self-education will make you a fortune.”


6. “Take time to gather up the past so that you will be able to draw from your experiences and invest them in the future.”

7. “Learn how to turn frustration into fascination. You will learn more being fascinated by life than you will be being frustrated by it.”


8. “Success is nothing more than a few simple disciplines, practiced every day; while failure is simply a few errors in judgment, repeated every day. It is the accumulative weight of our disciplines and our judgments that leads us to either fortune or failure.”

9. “We all have two choices: We can make a living or we can design a life.”

10. “We must learn to apply all that we know so that we can attract all that we want.”

11. “Don’t borrow someone else’s plan. Develop your own philosophy and it will lead you to unique places.”


12. “You must take personal responsibility. You cannot change the circumstances, the seasons, or the wind, but you can change yourself. That is something you have charge of. You don’t have charge of the constellations, but you do have charge of whether you read, develop new skills, and take new classes.”


13. “If you don’t design your own life plan, chances are you’ll fall into someone else’s plan. And guess what they may have planned for you? Not much.”


14. “Resolve says, ‘I will.’ The man says, ‘I will climb this mountain. They told me it is too high, too far, too steep, too rocky and too difficult. But it’s my mountain. I will climb it. You will soon see me waving from the top or dead on the side from trying.’”

15. “Success is not so much what we have as it is what we are.”

From the Jim Rohn website which is full of motivational material. Check it out.

Additional Updates:
 

Tags: Jim Rohn, Motivational Quotes

Aetna: Everything you need for AEP

Posted by www.psmbrokerage.com Admin on Mon, Sep 24, 2018 @ 10:09 AM

Everything you need for AEP

  

Medicare Producer News

Individual MA/MAPD, PDP:  September 21, 2018

  • Everything you need for October 1
  • Download 2019 plan guides
  • NEW and improved provider look-up website
  • Keeping your data safe: Full-disk encryption
  • Flu season is coming – Review how members can get a flu vaccine
  • New plan summary worksheet to recap plan benefits 
  • Don’t miss “Why sell Aetna's 2019 Part D” – 2 sessions left



Everything you need for October 1

You can find everything you need to begin marketing 2019 Aetna MA/MAPD and PDP products on October 1, on the Individual Medicare page of Producer World:

Scope of Appointment (SOA)


Notice anything different? Check out our enhanced provider look-up tool

We’ve updated the design of our Aetna provider look-up tool. It's now easier-to-use with improved search capabilities. Just visit AetnaMedicare.com, and click “Find a doctor” to view the site and search for in-network Medicare providers. 

Keeping your data safe

At Aetna, security is a top priority. To keep data safe and secure, we require full-disk encryption on all devices that access or store member data. This applies to any devices producers use to access or store member data too.

To support this requirement, we're implementing a self-validation solution that will ask you to verify whether you have full-disk encryption on your device. You may see a pop-up message about this the next time your log into Producer World. Find out how we're keeping your data safe.

Flu season is coming!

Aetna Medicare Advantage members (MA/MAPD) are encouraged to get a flu shot once a year in the fall or winter. To get a flu shot, MA/MAPD members can visit one of our network flu shot pharmacies. Or they can schedule an appointment with their doctor. Download a flyer to share with your clients.

Use a new plan summary worksheet to recap and document details of your client’s new plan 

This AEP, after enrolling your client in a 2019 Aetna plan, you can now use a new plan summary worksheet to recap key details of their new plan. This form is not submitted with the enrollment application. Instead, you fill it out together, after selecting and enrolling your client in their new plan. You and your client can then keep a copy of the completed form for your records, and can look back on it in the future if questions arise.

Do you know how to become a 2019 Front Runner?

You can qualify for the Front Runner program by selling a certain number of Aetna Individual Medicare (MA/MAPD, PDP) enrollments during the 2019 Annual Election Period. You’ll earn points for each eligible enrollment you sell ― 1 point for MA/MAPD enrollments and .5 points for PDP enrollments ― and you need 25 points to qualify. Click here for more information.

Quick links

2019 ready-to-sell requirements
First Look at 2019 plans*
Complete Aetna’s 2019 producer certification 
Sign up for 2019 MA/MAPD market-specific training
2019 How to submit enrollments
2019 Front Runners program
Get commission reports on Producer World
2019 Aetna Medicare Producer Guide

Not appointed with Aetna? Request details here

Additional Updates:
 

Tags: Medicare Advantage, aetna, AEP

Medicare Supplement Plans Are Changing

Posted by www.psmbrokerage.com Admin on Mon, Sep 24, 2018 @ 09:47 AM

Medicare Supplement Plans Are Changing

AEP is just around the corner – are you prepared?

Remember, this is the year: at the end of 2019, the doors will close on Plan F, considered the Cadillac plan of Med Supp policies known as Medigap. The government is cutting off access to Plan F for new Medicare enrollees to control costs; eight other supplements (here) will remain open.

Insurance experts expect Plan G to become the new draw for people wanting the most coverage without surprises. Experts are not sure what will happen to costs once insurance companies see the effects of the 2020 changes. Some expect Plan G rates to jump because under Medicare rules, the plan must accept new enrollees regardless of health conditions.

ARTICLE

Additional Updates:
 

Tags: Medicare Supplement

Humana AEP Medicare Strategy Guide

Posted by www.psmbrokerage.com Admin on Fri, Sep 21, 2018 @ 02:22 PM

Humana AEP Medicare Strategy Guide is Here!

Ignite your Sales with More Pre-Approved Prospecting Tools, including Generics 

Dozens of customizable outreach tools will be available as early as September 6th in the Marketing Resource Center for customization and download to print locally and use after October 1st. Check back frequently, since more of the hundreds of new AEP flyers, postcards, letters and ads will be added daily! 

What’s New?

  • Materials now grouped by campaign, allowing you to view all tactics available for each campaign
  • Hundreds of pre-approved, customizable marketing materials that you can now order in bulk
  • Ability to send email or direct mail to your book of business contacts directly through the platform, with the click of a button
  • NEW Grassroots tools

In addition to an increased selection of Humana branded materials promoting Humana’s competitive plan offerings, we are introducing an all new non-branded offering. 

Dozens of Generic Pre-approved customizable materials 
Every year agents have told us they receive better response rates using non-branded “generic” materials so Humana is excited to provide a new suite of generic, pre-approved materials. These are for use exclusively by Humana’s agents and agencies who sell multiple carriers' Medicare plans. 

Preview the pre-approved flyers, postcards, ads, letters, banner ads, etc. in the Strategy Guide. They will be accessible for customization in the Marketing Resource Center soon, so use this catalog in planning AEP campaigns.

It’s all Self-Service
How to access pre-approved prospecting materials in the Marketing Resource Center

  • After signing into Vantage through Humana.com, click “Marketing Resource Center” on the Sales & Marketing card.
  • Scroll down and click on the “Medicare” box
  • Materials are categorized by type, such as $0 Premium and Dual-Eligible Special Needs Plans
  • After selecting a category, click on your agent category
  • You can use the check boxes in the left column to narrow your results, such as selecting a specific document type like “Flyer”
  • Or enter a document number or name into the search box at the top-right
  • If you’ve never used the Marketing Resource Center before, click on the “Quick Start Guide” on the home page in the “Support” box, or access our NEW Marketing Resource Center Training Guide
  • You will see only the materials relevant to your certifications
  • Download personalized materials so that you may print at your local printer or email ads to media outlets 

Because the pre-approved templates are CMS-approved, only the contact information and images may be altered. No additional information may be added or substituted. The AEP materials are only for use October 1 - December 7. Dissemination or mailing outside of this time frame is prohibited by the Centers for Medicare & Medicaid Services (CMS) and the agent’s contract with Humana.
 
We hope Humana’s many excellent plan options and the enhanced Medicare marketing best practices and tools we’re providing help ensure the best annual enrollment period ever! 

Not appointed to sell Humana's Medicare products? Request details here

Additional Updates:
 

Tags: Humana, Annual Enrollment Period, AEP

Mutual of Omaha: Medicare Supplement Bonus Program

Posted by www.psmbrokerage.com Admin on Fri, Sep 21, 2018 @ 01:07 PM

Mutual of Omaha Med Supp Bonus Program

October through December

Capture-36

Qualifying Business
You need a minimum of five Medicare supplement or SELECT policies issued in a month. Your policies that count toward the minimum can be:

  • Those from any state
  • All Plans we offer in any state
  • Underwritten, Open Enrollment, Guaranteed Issue 

Payment 
Whereas the criteria is broad to help you meet the monthly five-policy minimum, the bonus pays:
  • For Plans F, G and N in the states listed above and policy WM28 in Wisconsin
  • $150 cash per issued underwritten policy (includes internal and affiliate conversions)
  • $30 per issued policy for Open Enrollment business (excludes internal and affiliate conversions)

Please note:

  • Excludes all Guaranteed Issue and under age-65 business
  • Internal and affiliate conversions on underwritten business are eligible for payment only when the original writing agent submits the application
  • Policy must be in force at time payment occurs
  • Payment is based on the month in which the policy took effect. See the following schedule.

For policies issued between October 1, 2018 and December 31, 2018, payments will occur early in the second month following the policy effective date. Policies must be in force at time of payment.

For example, a policy is issued October 12, 2018 with a February 1, 2019 effective date. The bonus will be paid in April 2019 as long as the policy is in force.

Eligibility
You are eligible to earn a cash payout on Medicare supplement and SELECT business you place as a broker producer (personal production only; individuals or agencies may not qualify based on business placed by down-line producers) for policies underwritten by Mutual of Omaha or its affiliates. Some exclusions apply.

Not appointed to sell Mutual of Omaha Medicare Supplement plans? Request details here

Additional Updates:
 

Tags: Annual Enrollment Period, Medicare Supplement, AEP, mutual of omaha

The 2019 AEP is quickly approaching - Are you ready?

Posted by www.psmbrokerage.com Admin on Fri, Sep 21, 2018 @ 08:43 AM

The 2019 AEP is quickly approaching - Are you ready?

AEP Countdown

With the Annual Enrollment Period just weeks away, it is important to make the best use of the limited window you have. It’s a stressful, pressure-packed time of year for agents in the senior market who can’t afford mistakes that force them to take finite time away from selling to deal with issues, or not having a solid strategy in place to ensure their time is being spent efficiently.

By now you should already be familiar with the different plans and benefits for the companies you intend to sell. If you are not, feel free to contact us and we can walk you through all the options available. It is also important to know the Do's and Don'ts in regards to CMS Guidelines to stay compliant. Below are some helpful reminders to make sure you are as productive as possible this AEP and stay within the required guidelines. 

Helpful Reminders / Links:

  • Get certified with all needed carriers - link
  • Get familiar with current plans and learn about new plans entering the market - link
  • Make sure you understand the MA and PDP enrollment periods - link
  • Adhere to CMS compliance and marketing guidelines - link
  • Get familiar with all the new tools and technology to assist in your sales - link
  • Make sure all necessary supplies are on hand - If you are in need of supply assistance, please contact us today and we would be happy to help

Let PSM be your one stop shop for all your AEP Needs. We have a dedicated and knowledgeable staff ready to assist to make sure this is your best season yet. Email us at info@psmbrokerage.com or call us at 800-998-7715 for assistance.

We appreciate the opportunity to be a resource for your business and wish you the best of luck this AEP. Happy selling!

Related Article: 

https://www.psmbrokerage.com/medicare-annual-enrollment-period-roadmap

https://www.psmbrokerage.com/14-ways-to-generate-medicare-leads

Additional Updates:
 

Tags: Humana, Cigna, Medicare Advantage, Medicare, UnitedHealthcare, aetna, AEP

Center for Medicare Advocacy Releases Analysis of Various Medicare Advantage Changes

Posted by www.psmbrokerage.com Admin on Thu, Sep 20, 2018 @ 04:00 PM

Center for Medicare Advocacy Releases Analysis of Various Medicare Advantage Changes

blog-1

This week, the Center for Medicare Advocacy (CMA) released an issue brief that examines the details and legal underpinnings of several proposed and upcoming changes to the Medicare Advantage (MA) program. Designed to be a resource for advocates and attorneys, CMA’s analysis combines several disparate sources of MA changes, including recently signed legislation, regulatory rulemaking, and sub-regulatory guidance. It also predicts some of the consequences of these changes on, among other things, beneficiary decision-making and informed choice.

The brief outlines the changes to MA made in the Balanced Budget Act of 2018 (BBA), in the Part C and D final rule issued earlier this year, and in the Final Call Letter for 2019. These changes increase flexibility for MA plans in several ways, including:

  • expanding what supplemental benefits plans may choose to offer (effective in 2019 for changes from the C & D final rule and effective in 2020 for changes from the BBA ),
  • allowing plans to treat beneficiaries differently based on health status, allowing companies to offer more plan choices,
  • streamlining the process for a sponsor to enroll a newly-eligible Medicare beneficiary who was previously enrolled in that company’s non-MA plan, and
  • creating expanded enrollment opportunities.

With so many significantly overlapping changes, this report provides a comprehensive and thorough analysis – listing together the various flexibilities and freedoms MA plans will have in the coming years. Medicare Rights continues to monitor and analyze how these regulatory trends and practical changes will affect people with Medicare and those who help them navigate coverage decisions. As part of this process, we will be releasing consumer-friendly education tools and policy analysis in the coming weeks on the anticipated changes to MA plans, beneficiary tools and resources, Medicare and the opioid crisis, and Medicare enrollment periods.

We also remain actively engaged in the implementation of these regulatory developments, to ensure the beneficiary perspective is considered and embedded in any changes to the program. We recognize that some of the new policies may not ultimately benefit people with Medicare, and we will continue to monitor the use and potential abuse of these new rules.

Read the CMA issue brief.

Additional Updates:
 

Tags: Annual Enrollment Period, medicare advantage updates

Mutual of Omaha Medicare Supplement: Get Your Official It's Showtime! Guide

Posted by www.psmbrokerage.com Admin on Thu, Sep 20, 2018 @ 10:04 AM

SHOWTIME  

Get Your Peanuts...Get Your Popcorn...
Get Your It's Showtime! Guide.

You'll find peanut and popcorn vendors everywhere, but there's only one source for your official It's Showtime! guide. And this is it.

The guide contains all the information you need for a flawless performance during this year's Medicare Open Enrollment. Learn about the advantages of Mutual of Omaha's Medicare supplements. Get details about our cost-saving plans. Find the marketing materials you need. Get tips for managing your business. Plus learn more about our newest act...Mutual of Omaha's Medicare Solutions — and how it allows you to meet even more of your clients' health insurance needs.

Step right up! Get your guide here!

GUIDE

Not appointed to sell Mutual of Omaha Medicare Supplement plans? Request details here

Additional Updates:
 

Tags: Annual Enrollment Period, Medicare Supplement, AEP, mutual of omaha

Aetna: Do you have the right tools for AEP?

Posted by www.psmbrokerage.com Admin on Wed, Sep 19, 2018 @ 03:04 PM

Do you have the right tools this AEP?

  

 

The Medicare Annual Enrollment Period (AEP) starts October 15 and now is the time to get ready for your clients, by having the right sales materials on hand. The best way to make sure you're using the most current application and current rates is to use Aetna Quote & Enroll, our online enrollment tool.

If you prefer to use paper sales materials, here are some tips to help you lead the way for AEP.

Sales materials are state and entity specific

Applications are specific to states and underwriting companies, so be sure to check your existing sales materials and verify that they are current. Throughout this year, we've changed underwriting companies for our Medicare Supplement product in several states: Arizona, Florida, Georgia, Kansas, North Carolina, Wisconsin, and West Virginia. We're also launching new Medicare Supplement products in Colorado and Nebraska starting October 8.

You can view the current product availability here.

Online enrollment companion kits

Using Aetna Quote & Enroll (electronic application) is the fast, easy way to make sure your application is submitted in good order. You can also order a companion kit to share with the applicant while completing the electronic application. Be sure to order materials based on the applicant's state of residence.

Not appointed with Aetna? Request details here

Additional Updates:
 

Tags: Medicare Advantage, aetna, AEP

[Infographic] Understanding Medicare Health Coverage is Key to Improving Member Experience

Posted by www.psmbrokerage.com Admin on Tue, Sep 18, 2018 @ 03:19 PM

Understanding Medicare Health Coverage is Key to Improving Member Experience

deft


Find out why Medicare Advantage members' loyalty is improving in Deft Research's 2018 Medicare Member Experience Study. Over 5,000 Medicare Advantage, MedSupp, and Part D Plan members were surveyed to understand their member experience. Healthcare Insurers have the opportunity to help members understand their Medicare Advantage coverage to improve retention and Star Rating. 

Check out our [Infographic] Understanding Medicare Health Coverage for key findings from the latest study. 

Additional Updates:


Tags: Medicare Advantage, Medicare, Medicare Supplement, Medicare Part D

How to Make the Perfect Follow-Up Sales Call

Posted by www.psmbrokerage.com Admin on Tue, Sep 18, 2018 @ 02:51 PM

How to Make the Perfect Follow-Up Sales Call

I don’t know many sales people that enjoy making prospecting calls. It’s definitely one of the most difficult parts of the job. There are so many things to consider. How quickly are you responding to your leads? What time and Day are you responding? How long are your average calls?

Let’s take a look at some findings from recent studies to help put our finger on the key points.

The complete article from HubSpot can be found here: https://blog.hubspot.com/sales/best-times-to-connect-with-leads-infographic)

Best Days to Call:

Wednesday has shown to be the most successful day for sales calls. Thursday comes in at second place. Of course, this doesn’t mean you shouldn’t be calling on other days, however, you may want to be sure you are highly productive on those 2 days to take full advantage of the trend.

Best Time to Call:

The best time to call has changed over the years. Several studies found the best time to be between 4:00 PM & 5:00 PM. Another study found the best time to be between 10:00 AM & 11:00 AM. Most studies, however, agree that the worst time for successful calls is between 1:00 PM & 2:00 PM.

Response Time:

The response best time to call new leads. 5 minutes from the trigger of the event. After 5 minutes your odds drop significantly. Waiting longer than 10 minutes to respond means your odds of qualifying have dropped 400%.

Once you’ve responded in a timely manner it’s now time to connect with a meaningful dialogue. Studies have shown that successful follow-up sales calls are almost twice as long as unsuccessful calls. Be informative and keep control of the conversation to maintain focus but don’t waste your potential client’s time.

Educate, be concise, and prove your value offer.

Check out the full article from HubSpot for more takeaways: 
https://blog.hubspot.com/sales/best-times-to-connect-with-leads-infographic

Additional Updates:
  • Find out why Medicare Advantage's loyalty is improving with consumers - View
  • Increase your sales with our complimentary tools and tech - View
  • Express: Mutual of Omaha weekly updates - View
  • VALUES Quote of the Week - View
  • Current agent incentive trips and contests - View

Medicare Advantage / AEP Updates:

  • Your path to AEP success with Precision Senior Marketing - View
  • Enroll your MA and PDP clients online - at no cost to you - View
  • 2019 Medicare Advantage / Part D Certifications now available - View
  • 2019 Medicare Advantage First Looks now available - View
  • 2019 AEP Road Map - Start your planning today - View
  • The DSNP Market continues to grow. Are you missing out? - View

Tags: sales follow-up, closing sales, sales

8 Reasons Seniors Start Looking For a New Medicare Plan

Posted by www.psmbrokerage.com Admin on Tue, Sep 18, 2018 @ 02:29 PM

8 Reasons Seniors Start Looking
For a New Medicare Plan

8 Reasons Seniors start looking for a new planEach year, the annual enrollment period (AEP) creates the occasion for most seniors to review their health coverage. In recent years the number of seniors in Medicare Advantage plans has grown slightly faster than the number in Med Supp, (also known as Medigap or Supplemental Medicare). This means that more seniors are in plans with relatively complicated rules related to provider access, cost sharing, and drug coverage. Med Supp consumers, because they have avoided a health plan with a provider network, face fewer rules in that regard. But almost all Med Supp consumers purchase stand-alone Prescription Drug Plans (PDPs) and these are managed care plans with coverage policies and limitations.

Based on past results and dipping into the newest preliminary findings, the health insurance currently serving seniors, taking MAPD and MedSupp together for now, is generating eight generalized reasons for seniors to begin a fall shopping journey. 

1. Drug Coverage. Whether it’s the need for better coverage of generics or brand drugs, these blend together for seniors who struggle with copayments and deductibles.  These concerns account for more senior shopping that any other category of consumer experience. Within the drug coverage problem lie persons whose health has led to many prescriptions and high monthly copayments, persons whose health has recently deteriorated -- leading to new costs, and persons whose doctors don’t check formularies before prescribing -- leading to unexpected medication management at the pharmacy.

After conducting their investigations, many senior shoppers conclude that better drug coverage is not available from other plans. Nevertheless, drug coverage is the top reason for shopping and an important driver of switching.

2. Provider Access. Many seniors say they have had trouble making appointments with primary care physicians at times they find convenient. Many also report dissatisfaction with the timeliness of specialty appointments. These problems may be generated more by health systems than health plans, but they still cause seniors to shop and some to switch.

3. High Out-of-Pocket Costs. Consumers experiencing this problem are often those who have had a serious health event that exposes coverage realities. When consumers mention high out-of-pocket costs, they are often thinking beyond ordinary copayments.  These consumers have had to pay out-of-pocket up to their deductible, they often have been hospitalized, and they may have been prescribed a medical device that was not completely covered.

4. Dental Coverage. Along with drug coverage, dental coverage stimulates the most shopping among seniors. But unfortunately for seniors, better dental is usually nowhere to be found. Senior dissatisfaction lies in both inadequate coverage and inadequate care. Ideally, seniors tell us they would like it if the system helped them take better care of their teeth because, as one senior has put it, “when the health of the mouth gets bad, the health of the rest of the body might follow.”

5. Copayments for Doctors. Distinct from “high out-of-pocket costs” as a reason for shopping and switching, some seniors focus on doctor copayments as their most important source of dissatisfaction. These may be seniors with chronic illnesses that are not experiencing acute events, but instead require frequent visits to more than one doctor. In these circumstances, doctor copayments can add up to monthly expenses that erase the savings MAPD premiums were supposed to provide. In other words, seniors can reason that they would be better off in a MedSupp plan despite its higher premium if it meant they could see doctors without incurring copayments. Age-ins also use this logic.

6. Referrals and Prior Authorizations. Health plan policies designed to control the flow of patients to specialists have always created friction between plans, their members, and providers. Over the past decade, due to a combination of better health plan communication, more liberal policies, and better provider referral practices, the number of seniors exposed to this problem has declined.  

The referral and prior authorization issue is not as common as it once was, but it is a potent driver of switching when it does occur. One third or more of the seniors experiencing these administrative actions, will leave that plan at the next AEP.

7. Disruption of the Primary Care Doctor Relationship. Over the years, no health plan has really had the market position to keep its membership while enforcing policies that create widespread disruptions. But, sometimes because doctors quit networks, and sometimes because health plans terminate doctors, network membership changes and doctors are no longer available under preferred coverage terms.

This is also an infrequent but potent reason for seniors to switch insurers.  

8. Claim Denials or Billing Problems. About one in twenty seniors have claims denied or experience bills they wish to contest. A trend among health plans has been to reduce the frequency of consumer friction created by administrative muscle flexing. When it happens, half or more of the consumers affected will leave the plan at the next opportunity. 

Read the full article here

Additional Updates:
  • Make sure you have this in-demand Part D plan in your portfolio - View
  • Top 10 reason to offer Aetna Medicare products this AEP - View
  • Cigna / Express Scripts merger gets the OK - View
  • Provide your clients peace of Mind with Mutual of Omaha's Final Expense - View
  • Neslte to sell Gerber Life Insurance for $1.55 billion - View
  • Follow us on LinkedIn and keep your business informed - View
  • Increase your sales with our complimentary tools and tech - View
  • Express: Mutual of Omaha weekly updates - View
  • VALUES Quote of the Week - View
  • Current agent incentive trips and contests - View

Medicare Advantage / AEP Updates:

  • Your path to AEP success with Precision Senior Marketing - View
  • Enroll your MA and PDP clients online - at no cost to you - View
  • 2019 Medicare Advantage / Part D Certifications now available - View
  • 2019 Medicare Advantage First Looks now available - View
  • 2019 AEP Road Map - Start your planning today - View
  • The DSNP Market continues to grow. Are you missing out? - View

Tags: Medicare Advantage, Medicare, Medicare Supplement, Medicare Part D

Mutual of Omaha: Final Expense Helps Provide Peace of Mind

Posted by www.psmbrokerage.com Admin on Tue, Sep 18, 2018 @ 10:20 AM

Final Expense Helps Provide Peace of Mind  


By providing affordable coverage to help ease the burden of outstanding medical bills, debt and final expenses, our Mutual of Omaha's Living Promise delivers peace of mind that your clients will appreciate. And with simplified underwriting your agents will like that policies are issued quickly. Share our Living Promise Product and Underwriting Guide for your agent's one-stop shop for Final Expense.

Level Benefit Plan:

  • Death Benefit: 100%
  • Issue Ages: 45-85
  • Face Amounts: $2,000 – $40,000 (in WA, $5,000 – $40,000)
  • Underwriting Classes: Standard Tobacco/Nontobacco
  • Underwriting Requirements: MIB, pharmaceutical check, random phone interviews

ADDITIONAL BENEFITS – LEVEL BENEFIT PLAN ONLY

Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement Rider*

Allows the owner a one-time election to receive the Accelerated Benefit if the insured is either: (a) diagnosed as having a terminal illness that, with a reasonable degree of certainty, will result in the insured’s death within 12 months or less from the date a physician signs the statement of proof of terminal illness, (b) has been confined to a nursing home for 90 consecutive days or more and is expected to remain confined in a nursing home for the duration of the insured’s life; in FL, or (c) certified by a physician that the insured is unable to perform (without substantial assistance from another person) at least two activities of daily living due to a chronic illness.

* Accelerated Death Benefit for Terminal Illness or Chronic Illness Rider in FL; Accelerated Death Benefit for Terminal Illness Rider in CT.

Optional: Accidental Death Benefit Rider

This Rider provides an additional death benefit equal to the policy’s face amount if the death of the insured results from accidental bodily injury and independently of sickness and all other causes.

Graded Benefit Plan*

  • Death Benefit: This policy contains a graded benefit meaning that for death due to natural causes (any cause other than accidental) during the first two years, the beneficiary will receive all premiums paid plus 10 percent. After the two years, the full benefit is paid for death due to all causes. Full death benefits will be paid, in all years, if death results from an accidental bodily injury.
  • Issue Ages: 45-80
  • Face Amounts: $2,000 − $20,000 (in WA, $5,000 – $20,000)
  • Underwriting Class: Standard (no tobacco distinction)
  • Underwriting Requirements: MIB, pharmaceutical check, random phone interviews

*not available in AR, MT, NC

View Living Promise Guide →

Not appointed with Mutual of Omaha? Request details here

Additional Updates:
 

Tags: Final Expense, mutual of omaha

Nestlé to sell Gerber Life Insurance for $1.55 billion

Posted by www.psmbrokerage.com Admin on Mon, Sep 17, 2018 @ 04:23 PM

Nestle to Sell Gerber Life Insurance for $1.55 Billion

   

Nestlé late Monday said it has agreed to sell the Gerber Life Insurance Co. to Western & Southern Financial Group for $1.55 billion in cash. Gerber Life is "a highly recognized and trusted leader" in the juvenile and family life insurance market that had sales of $856 million in 2017, the food giant said. The deal allows Western & Southern Financial to market insurance products under the Gerber Life brand. The deal does not include Nestlé's Gerber products business, the baby food and baby care brand, which Nestlé will continue to develop, the company said. Nestlé said in February it was looking for options for Gerber Life. The deal is expected to close late this year or early 2019, the company said.

At Gerber Life, they make it simple to protect what matters most. They offer affordable life insurance plans for children and adults, so that your family or loved ones are covered at every age and stage of life. Whether you’re married, single, a parent or a grandparent, you’ll find a plan that fits your unique needs and budget.

PSM is an exclusive distributor for both Gerber Life's Medicare Supplement and Life Insurance products.

Additional Updates:
 

Tags: gerber life

Thrivent Med Supp: Florida Agents, here's your chance to earn more $$$!

Posted by www.psmbrokerage.com Admin on Mon, Sep 17, 2018 @ 10:27 AM

thrivent

FLORIDA FAST START
AGENT INCENTIVE PROGRAM

_______________________________________________________

INCENTIVE PERIOD:
September 15 - December 31, 2018

Earn $500 for your first three (3) issued policies,
and an additional $100 per issued policy thereafter!*

Click Here for Incentive Program Details

Not contracted with Thrivent? Request Details


 

State

Effective Date

HHD

eApp Availability

Rates

FL

8/29/2018

NONE

8/29/2018

Click Here
to See Rates!


Currently Approved States for Sale: 

AL, GA, IL, IN, KS, KY, LA, MD, MS, NC, NJ, NV, OK, PA, SC, TN, UT, VA, WV

To download current brochures and materials, please visit your Agent Portal at https://aiatpa.agentxcelerator.com/. Log in using your producer code.

eApplications make submitting business fast and secure. Simply log into your Agent Portal and click on the 'Start or continue an eApp' link.

Ordering paper supplies is easy!

  1. Log in to your Agent Portal
    2. Click on the 'Sales Forms & Materials - Order Printed Supplies'
    link under the 'Resources' tab
    3. Select the supplies you want and designate where to have them shipped

For more information on how to order and track supplies, refer to your agent guide.

Not contracted with Thrivent? Request Details

Additional Updates:
 

Tags: Thrivent Medicare Supplement

Top 10 reasons to offer 2019 Aetna Medicare this AEP

Posted by www.psmbrokerage.com Admin on Mon, Sep 17, 2018 @ 09:33 AM

Top 10 Reasons to Offer 2019 Aetna This AEP

aetna-3  

 

In 2019, Aetna has more MA/MAPD plans in more counties than ever before, which means more opportunities for you. Don’t miss out! Join a local training to learn details about 2019 plans coming to your market.

Enhanced benefits on many plans

  1. Expanded benefits such as dental, vision and hearing in most markets
  2. More plans with traveler-friendly features
  3. More plans with a transportation benefit and an over-the-counter benefit
  4. NEW meal benefit on most plans – Members can get a week of home-delivered meals after an inpatient hospital stay at no cost
  5. Free fitness memberships – All plans include a SilverSneakers® fitness benefit that provides membership to participating fitness facilities
  6. $0 diabetes supplies with our exclusive vendor, OneTouch® by LifeScan

Doctors and pharmacies

  1. Extensive local physician and hospital network
  2. Over 65,000 pharmacies in our pharmacy network nationwide

Drug coverage

  1. Our MAPDs offer some of the richest Tier 1 generic coverage in the industry.*
  2. 96 of the Top-100 most prescribed drugs for Medicare beneficiaries covered**

Not appointed with Aetna? Request details here

Additional Updates:
 

Tags: Medicare Advantage, aetna, AEP

Offer the hottest Part D plans on the market with SilverScript

Posted by www.psmbrokerage.com Admin on Thu, Sep 13, 2018 @ 04:06 PM

Silverscript 2018 eblast header

We are excited to offer you a National Leading PDP carrier for 2019!

ss logo

2019 Choice Plan Benefits Include:

$0 deductible in most states except AK, AZ, CO, GA, SC and TX.

  • $0 deductible applies to ALL 5 tiers
  • In Colorado, Georgia and Texas, $0 deductible applies to Tier 1 and Tier 2. There is a $100 deductible for Tiers 3 through 5
  • In Arizona and South Carolina, $0 deductible applies to Tier 1 and Tier 2. There is a $415 deductible for Tiers 3 through 5
  • In Alaska, there is a $415 deductible that applies to all tiers

Low monthly premium

  • The Choice PDP premium is below the benchmark in 26 out of 34 regions (in other words, it is below the benchmark in every state except AK, CO, DE, DC, MD, NC, NV, and TX)

Protect your Medicare Supplement clients and give them the coverage they need. Request details today and make sure you have this competitive PDP product available this AEP.

Additional Updates:
 

Tags: Medicare Part D, silverscript

Dental Insurance Opportunity

Posted by www.psmbrokerage.com Admin on Thu, Sep 13, 2018 @ 10:36 AM

Dental Insurance Opportunity

Whenever you talk to your clients about their health insurance plans, be sure to include a discussion about dental insurance. Many seniors don't know that Medicare doesn't cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. That means they may need to enroll in dental coverage to avoid the problems that can arise from neglected dental health, including gum infections, dental decay, and chronic pain.

More and more people are aging into the senior market every day, and most people lose their dental benefits when they retire. In fact, according to a National Association of Dental Plans consumer survey, almost half of all seniors have no dental coverage. These consumers represent a fast-growing segment of the population, and reaching them could be a great boom to your sales.

 

Dental Plans offered by PSM

 

Consider this: According to the U.S. Department of Health and Human Services, for every adult without medical insurance, there are three without dental insurance. That’s a major opportunity.

 

So, what do seniors do when it comes down to taking care of their teeth? They either pay out of pocket (75 percent do this), or they don’t go. If they are lucky, they are one of the few seniors who have paid for a dental plan on their own. You can help fill a major hole in American health care needs. That means that the market for dental plans is gigantic. Scores of Americans (more than 100 million people) need a product you can sell them.

 

As a broker, when you’re discussing your senior customers’ coverage needs, you have the opportunity to help them understand the importance of maintaining their oral health.

 

You can talk with your senior clients about supplemental dental insurance and explain how it could help them afford access to professional dental care that their Medicare plan may not cover. Selling dental insurance to seniors is easier when you can show your customers that they don’t have to make sacrifices to their health for the sake of their finances.

PSM offers dental plans designed with your client's needs and budget in mind. If you are not selling dental plans currently, now is a great time to incorporate this in-demand product in your portfolio. Contact us today and we would be happy to assist.

Additional Updates:
 

Tags: medico insurance, dental, ameritas

Fed Nearing Approval of Mergers: CVS-Aetna, Cigna-Express Scripts May Soon Merge

Posted by www.psmbrokerage.com Admin on Thu, Sep 13, 2018 @ 08:31 AM

Fed Nearing Approval of Mergers:
CVS-Aetna, Cigna-Express Scripts May Soon Merge

Fed Nearing Approval of Mergers
Justice Department antitrust enforcers are preparing to give the green light to two deals in the health-care industry: CVS Health Corp.’s planned acquisition of health insurer Aetna Inc.; and Cigna Corp.’s planned purchase of Express Scripts Holding Co., according to people familiar with the matter. Both deals could receive formal antitrust approval as soon as the next few weeks.

The CVS-Aetna and Cigna-Express Scripts deals underscore how the health care and insurance industries are changing, with the biggest players seeking to incorporate multiple lines of business, forming behemoths that stretch from insurance to pharmacy-benefit management to – in some cases – drugstores, clinics and physician practices. CVS has the largest market share in the Medicare drug-plan business, with around 6.1 million members. Aetna is the fifth-biggest Part D seller with around 2.2 million members. To preserve competition where CVS and Aetna sell Part D plans head-to-head, the Justice Department will require the companies to sell off parts of their Part D business to one or more companies that would compete with the newly merged firm, some of the people familiar with the matter said.

Read the full article here

Additional Updates:
  • Product Spotlight: Shenandoah Life Medicare Supplement Plans - View
  • Are you missing out on sales by not offering dental insurance? - View
  • Mutual of Omaha Open Enrollment Guidelines - View
  • Medico: Hospital Indemnity Plan with Observation Unit Benefit - View
  • Follow us on LinkedIn and keep your business informed - View
  • Increase your sales with our complimentary tools and tech - View
  • Express: Mutual of Omaha weekly updates - View
  • VALUES Quote of the Week - View
  • Current agent incentive trips and contests - View

Medicare Advantage / AEP Updates:

  • Your path to AEP success with Precision Senior Marketing - View
  • Enroll your MA and PDP clients online - at no cost to you - View
  • 2019 Medicare Advantage / Part D Certifications now available - View
  • 2019 Medicare Advantage First Looks now available - View
  • 2019 AEP Road Map - Start your planning today - View
  • The DSNP Market continues to grow. Are you missing out? - View

Tags: Cigna, Part D, aetna, CVS, Express Scripts

Mutual of Omaha: Medicare Annual Enrollment Period Guidelines

Posted by www.psmbrokerage.com Admin on Wed, Sep 12, 2018 @ 01:59 PM

Mutual of Omaha:
Medicare Annual Enrollment Period Guidelines

Mutual_of_Omaha_Logo_No_Border


The Medicare Annual Election Period (AEP) for Medicare Advantage and the Medicare Part D Prescription Drug plans begins October 15 and will continue through December 7.

Mutual will begin accepting applications with a January 1, 2019 effective date on October 1, 2018.

AEP provides you an opportunity to help those individuals who plan to disenroll from their current Medicare Advantage plan and want to return to Original Medicare and purchase a Medicare supplement policy with an effective date of January 1, 2019.

It is important to follow the guidelines below and provide the proper documentation with your client’s application to help prevent any delays in processing.

Required Documentation:
For individuals voluntarily disenrolling from their MA plans:

  • Complete the “Previous or Existing Coverage Information” section on the application and submit one (1) of the following with the application:

-  A copy of the applicant’s MA plan’s termination notice (needed if applying for Guaranteed Issue);

-  A copy of the letter the applicant sent to their MA plan requesting disenrollment (dated October 15th or later); or

-  A signed statement that the applicant has requested to be disenrolled from their MA plan.

For individuals whose MA plans are terminating:

- Complete the “Previous or Existing Coverage Information” section of the application and send the following with the application:
- Page 1 of their termination letter from their current carrier, or
-  If they do not have their termination letter, a legible copy or image of their Medicare Advantage card will be accepted. A legible copy or image of a Medicare Advantage card will only be accepted for individuals whose plans are terminating not for those who are voluntarily disenrolling from their MA plan.

Med Supp e-App Process:
While in the application process:

- Click on the “Attach Eligibility Documents” button, and 
-
Attach PDFs of the necessary documentation to be submitted with the application. Documents can not be attached via the e-App process after the application is submitted.

The e-App provides a validation message, which will indicate whether the current MA plan your client is enrolled in has been terminated, meaning the carrier has terminated the plan. This creates a guaranteed issue situation and the message returned will indicate your client does not need to provide proof of disenrollment.

Note: Individuals who are not eligible for guaranteed issue must complete the health and medication questions on the application. Plans D, G and N are not available for guaranteed issue in most situations.

Providing Documentation After an Application is Submitted:
If the required documentation is not available at the time the application is submitted, or in the case of an e-App an electronic copy can not be created and attached, it may be faxed at a later date following the steps below:

Step 1. Obtain the policy number (The policy number will appear on the Case Monitoring Report on Sales Professional Access (SPA) or on the Med supp e-App dashboard for applications submitted via the e-App)
Step 2. Write the policy number on the documentation
Step 3. Fax the documentation to 402-997-1920 

Additional Updates:
 

Tags: Mutual of Omaha Medicare Supplement, mutual of omaha, Medicare Open Enrollment Period

Medico: How the Hospital Indemnity observation unit benefit works

Posted by www.psmbrokerage.com Admin on Wed, Sep 12, 2018 @ 11:33 AM

Medico Hospital Indemnity Plans


Hospital Indemnity plan pays observation unit benefit even when the patient is sent home.

blog

It's not uncommon for hospitals to admit patients to an observation unit when physicians can't determine whether admission is necessary. In the majority of cases, a patient will stay in observation for between 24 and 48 hours. The following is an example of how this might work.

Susan*, a Minnesota resident, went to the emergency room with abdominal pain. The doctor who examined her decided not to admit her as an inpatient and kept her in the observation unit instead, where she was monitored by the hospital's nursing staff. After 48 hours, she was discharged to go home.   

If Susan has a Hospital Indemnity plan, the observation unit benefit will pay benefits even though Susan was discharged rather than being admitted to the hospital. The observation unit benefit of this policy pays 100% of the hospital confinement indemnity benefit amount for up to six days each calendar year. If Susan's hospital confinement benefit amount is $250 per day, her policy will pay the same amount for her observation unit services, or $500. These benefits are, of course, in addition to any benefit payments she receives from major medical insurance, Medicare or a Medicare Supplement plan.  

If Susan has a similar incident later this year, she will still have four days of observation unit benefits available to her.  

Talk to your clients today about Medico's Hospital Indemnity plan. Marketing materials available on MIC, our agent website, include brochures, a product flyer, a postcard, and a customer presentation.     

Additional Updates:
 

Tags: medico insurance, Hospital Indemnity, product spotlight

Product Spotlight: Shenandoah Life Medicare Supplement

Posted by www.psmbrokerage.com Admin on Thu, Sep 06, 2018 @ 03:04 PM

Shenandoah Life Medicare Supplement Plans

PSM Product Spotlight

 


In the spotlight today is
Shenandoah Life

For nearly 100 years now Shenandoah has provided consistent, exemplary service to all of it's clients. They certainly have earned their legacy of compassion and integrity. If you are selling Medicare Supplements, Shenandoah Life will be a great addition to your portfolio.

 

Let's take a look at some highlights.

 

 
Shenandoah Medicare Supplement Highlights:

  • Competitive Premiums - Market leading Plan G and Plan N Rates
  • Low Rate Increase History - In addition to being in the market for 4+ years
  • Excellent Commissions
  • Household Discount - Liberal definition in most states
  • Top Level Service and Support
  • Easy to use e-Application
  • Rated A- (Excellent) by AM Best

Product Description:

Shenandoah Life values the relationship it has with its sales representatives. They want to be your go to company for products that address specific needs of your clients – helping to address their problems and concerns in a direct and clear manner. Your contract to sell Shenandoah Life products delivers the following:

  • A commitment to develop products that address your customers' specific needs.
  • Streamlined processing.
  • Support from a customer service team that is dedicated to agents and customers.
  • Fast and easy web services, personalized on-line sales reports, policy access and much more.


Not appointed with Shenandoah Life? I encourage you to learn more and put this in-demand product in your portfolio, 
request details here

Agent Guide     Available States

Additional Updates:
 

Tags: Medicare Supplement, shenandoah Life, product spotlight

Step Right Up with Mutual of Omaha this AEP

Posted by www.psmbrokerage.com Admin on Thu, Sep 06, 2018 @ 10:22 AM

  

The Main Event is About to Begin!

It's that time of year again. Soon, people will be out there shopping for Medicare coverage. And we've been busy setting up the big top and getting ready for the crowds.

As the star of this year's main event, we don't want you performing your high-flying act without a safety net. So, we're pulling out all the stops to bring you the tips and tools you need to quote, submit and monitor your Medicare supplement applications.

We appreciate you choosing Mutual of Omaha and we want you to know we're here to support you...not just during open enrollment but throughout the year. Here's how:

We're Here for You!  

Coming Attractions!

This is the first in a series of weekly messages to help you earn a standing ovation. Coming next week...some exciting news from Randy Mousel and Alicia Hanson that you won't want to miss.

* Every year from October 15 to December 7, people enrolled in Medicare Advantage (MA) plans have the right to disenroll from their current plan and select a new MA plan or return to Original Medicare and purchase a Medicare supplement plan. It's also when MA organizations can discontinue their plans in an area, leaving members looking for health coverage.

Not appointed with Mutual of Omaha? Request details here

Additional Updates:
 

Tags: Annual Enrollment Period, Medicare Supplement, AEP, mutual of omaha

14 Ways To Generate Medicare Leads

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 04:56 PM

14 Ways To Generate Medicare Leads

14 Ways To Generate Medicare Leads

Lead Generation is the process of attracting and converting strangers and prospects into someone who has shown interest in your product or service.

For starters, exceptional lead generation comes from a relentless willingness to experiment with several different tactics, and to combine these tactics across multiple channels.

It’s unlikely that you will find just one technique that will pave a path of success to your business. You will likely need to take advantage of multiple channels concurrently.  

Broadly speaking, there are 2 categories of lead generation: Inbound and Outbound. We will review the differences between the 2 before discussing some lead generation techniques that may be right for you.

Read the full article that includes the Infographic below:

Infographic-14-Ways-to-Generate-Medicare-Leads

Section Links Include:

 
Read More: 14 Ways To Generate Medicare Leads

Additional Updates:
  • Step right up with Mutual of Omaha Med Supp this AEP - View
  • Mutual of Omaha Med Adv and PDP opportunity - View
  • For a little bit of humor, check out this senior text translator - View
  • 2019 Annual Enrollment Period (AEP) Events - View
  • Follow us on LinkedIn and keep your business informed - View
  • Increase your sales with our complimentary tools and tech - View
  • Express: Mutual of Omaha weekly updates - View
  • VALUES Quote of the Week - View
  • Current agent incentive trips and contests - View

Medicare Advantage / AEP Updates:

  • Your path to AEP success with Precision Senior Marketing - View
  • Enroll your MA and PDP clients online - at no cost to you - View
  • 2019 Medicare Advantage / Part D Certifications now available - View
  • 2019 Medicare Advantage First Looks now available - View
  • 2019 AEP Road Map - Start your planning today - View
  • The DSNP Market continues to grow. Are you missing out? - View

Tags: Medicare, Referrals, Leads, Insurance Marketing, Social Media Marketing, internet sales, direct mail

Senior Text Translator

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 03:54 PM

Senior Text Translator

As texting becomes more and more prevalent, I'm sure you’ve noticed your children (or maybe you’ve even done so yourself) adapting acronyms for common phrases to further speed up the process..

Phrases like "TTYL" (talk to you later) and even "BTW" (By The Way) have taken on a new understanding to those who use them often. Here is a humorous take on those acronyms for the senior crowd.

It's all in good fun. We hope you all have a wonderful Grandparents Day.

Senior-Texting-Translator

...

The senior market is experiencing rapid change and growth. It is imperative, now more than ever, for an independent insurance agent to have a valuable support base in order to succeed.

At PSM, we want to be that support base, and encourage you to come join us to see how our team of expert professionals can help you grow your business.

Best Regards,

Precision Senior Marketing

Additional Updates:


Tags: Humor, Senior Market

Mutual of Omaha: Medicare Open Enrollment Postcard

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 02:59 PM

Medicare Open Enrollment Postcard

  

The Medicare Open Enrollment Period- OEP is just around the corner. It is a busy time of year with lots of opportunity to write Medicare supplement business. It’s also a time of year when the airwaves are full of advertising reminding Medicare Advantage participants to re-enroll. This can cause some confusion for your Medicare supplement clients who may think they need to take action to keep their plan in place.

We can help. With our OEP postcard (26029) you can reach out to your clients and assure them these advertising messages do not apply to them. The postcard presents a very simple response– they don’t need to do anything.

The postcard is customizable with your contact information so your clients can contact you should they have any concerns. The postcard can be ordered through normal channels.

Use order form (M25484-B_0117) and follow the instructions to place your order.

All forms are available to view and download on Sales Professional Access (SPA) www.mutualofomaha.com/broker.

If you have questions, please call Sales Support at 800-693-6083.

Not appointed with Mutual of Omaha? Request details here

Additional Updates:
 

Tags: Annual Enrollment Period, Medicare Supplement, AEP, mutual of omaha

2019 Aetna Medicare Telebroker Agent Training is LIVE

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 02:42 PM

2019 Aetna Medicare Telebroker Agent Training

aetna-3  


Great news –
2019 Aetna Medicare Telebroker Agent Training is now available! This online, interactive training is designed to help telebroker agents complete their required 2019 product training.

Who needs to complete this national product training? All telebroker agents that will be selling 2019 Aetna Medicare Advantage products. (Note: This training will not satisfy training requirements for field agents.)

Training duration: About 1 hour.

Specifications: Internet Explorer 11 is required. The site is not compatible with other web browsers (i.e., Google Chrome, Firefox or Safari).

How to access the training:

To register, agents should:

  • Enter their Name, Email, and National Producer Number (NPN).
  • Select their employer from the drop-down list. This step is necessary to record the successful completion of the training.
  • Create a password. Agents should make note of their password, so they can return to the training when they want to. 
  • Press “Submit.”

Agents will receive a confirmation email after they successfully complete the training.

Please let us know if you have any questions or run into any issues. We wish you a successful broker training season and an outstanding AEP!

Not appointed with Aetna? Request details here

Additional Updates:
 

Tags: Medicare Advantage, aetna, AEP

University of Iowa Healthcare joins Aetna/Coventry Provider Network!

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 02:33 PM

University of Iowa Healthcare Joins Aetna / Coventry Provider Network

  


Iowa agents: Big news! Your clients now have even more providers to choose from. Effective September 15, 2018, we have a signed contract with University of Iowa Healthcare. They'll be joining our Coventry MA/MAPD/PDP provider network.                  

University of Iowa Healthcare, affiliated with the University of Iowa, is located in Iowa City. It's an 811-bed hospital and Level 1 Trauma Center. There are approximately 200 outpatient clinics and care areas at the main campus and outreach clinics.

Need help finding in-network providers? 

To view a full list of in-network providers online: 

Not appointed with Aetna? Request details here

Additional Updates:
 

Tags: Medicare Advantage, aetna, AEP

Aetna: NEW Value-Based Enrollment option coming soon!

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 02:24 PM

NEW Value-Based Enrollment (VBE) option is coming soon to the Ascend Virtual Sales Office app

aetna

In select markets, we’re launching a new Value-Based Enrollment (VBE) program through the Ascend Virtual Sales Office app. Please note that VBE will only be available in the following markets: ShowMe, Great Lakes, Heartland, New England, and New York.
 
This email will provide some introductory information about VBE. We’ll share more details in future emails and during our upcoming local trainings.

What is VBE?

VBE is a new option that will be available through the Ascend Virtual Sales Office app after you enroll clients in an Aetna Medicare plan. This option will give you an opportunity to earn an extra service fee payment.
 
With VBE, after enrolling your clients, you can provide extra value by helping them schedule a voluntary health-related survey phone call. During this call, a wellness advocate will talk to your clients about their health goals, and can help them schedule an annual wellness visit with their primary care doctor. Download a new VBE flyer for more information. 

When will it be available?

The VBE is not yet available in the Ascend app but it’s coming soon! Agents in Great Lakes, Heartland, New England, and New York markets will begin seeing the VBE option in the Ascend app starting in October.

Need access to the Ascend app? 

To ensure you’re ready to start using VBE once it’s available, make sure you have the Ascend app. If you need to access to the Ascend app, as soon as you’re “ready to sell,” you can request access on Producer World.

We're here to help you!

If you have any questions about VBE, please reach out to your local Aetna Medicare broker manager. Again, watch for more information in future emails and in upcoming trainings.

Not appointed with Aetna? Request details here

Additional Updates:
 

Tags: Medicare Advantage, aetna, AEP

2019 Annual Enrollment Period (AEP) Events

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 02:17 PM

2019 Annual Enrollment Period (AEP) Events

NSGAEP

It's that time of year where carriers are in the process of setting up events for the upcoming Annual Enrollment Period (AEP). The 2019 AEP is from October 15th through December 7th. Below is information that may be helpful to you during the upcoming AEP events.

Remember, during marketing/sales events, plan representatives may discuss plan-specific information (e.g., premiums, cost-sharing and benefits), distribute health plan brochures, enrollment material and accept enrollments.

If you are doing an enrollment at an event, presentations/enrollments must consist of the entire enrollment process and the meeting location should be in a private area where the beneficiary's personal information cannot be overheard by a passerby.

There are two main types of marketing/sales events and both types of events must be reported to CMS by the carrier. Both types of marketing/sales events have the same CMS marketing guidelines listed below:

Formal Event:  A formal event is typically in an audience/presenter format with an agent, broker or producer formally providing specific health plan or product information via a presentation.

Informal Event: An informal event is conducted with a less structured presentation or in a less formal environment. Typically, there is a table or kiosk staffed by a plan representative who can discuss the merits of a plan's products. Remember, the beneficiaries must approach you.

If you have scheduled an event and you must cancel:

  • Notification of cancelled sales events should be made at least forty-eight (48) hours prior to the originally scheduled date and time of the event.
  • If you are unable to attend a scheduled event, it is up to the agent/up-line to find a suitable replacement, per the carrier's guidelines.

Note: If the carrier has stricter event guidelines relating to event submission and/or cancellation, the carrier rules supersede the above-described guidelines.

Additional Updates:
 

Tags: AEP, sales events

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