Or the phone rings, and the person on the other end of the line says they represent a Medicare Advantage plan that will give them “additional benefits.” They may even recommend a plan that is not available in the call recipient’s area. The Centers for Medicare & Medicaid Services is taking notice of these sales tactics. But the agency’s regulations aimed at fighting misleading Medicare Advantage claims are not sitting well with a health insurance agents’ association, whose members are urged to sign a petition against these rules. Members of Health Agents for America are being asked to sign a petition on Change.org, asking CMS to reverse its requirements that licensed and certified independent agents record phone calls that result in enrolling a client into a Medicare Advantage or Medicare Part D prescription drug plan. The new call recording regulations would take effect October 1st.
According to the Federal Registry, in 2022, CMS reported 39,617 "complaints to Medicare" out of 29 million enrollments. This represents only 0.0013661% of the total enrollments made during the most recent open enrollment period. Most of these complaints originated from misleading TV commercials, encouraging Medicare beneficiaries to call a 1-800 number, according to the Agents and Brokers group. Third-party marketing organizations created many these misleading TV commercials, according to the group. The ads encouraged Medicare beneficiaries to call a toll-free number answered by a call center employee whose primary job was to encourage the beneficiary to change their existing Medicare health or drug plan to a plan that offered "additional benefits," when in fact the new plan may not cover their prescriptions or have their primary care provider in the plan's provider network. In some cases, the plans recommended were not available in the beneficiary's county or area. CMS addressed the complaints received from these ads by creating new regulations to protect Medicare beneficiaries. These new regulations require third-party marketing organizations, agents and brokers to record calls that may result in a new enrollment of a Medicare Advantage or prescription drug plan. Rules may discourage brokers, agentsThe new CMS call regulations will discourage many licensed and certified agents and brokers from representing Medicare Advantage and prescription drug plans, the Agents and Brokers group said. There are more than 100,000 licensed independent agents and brokers who certify each year to offer Medicare Part C and D plans. With fewer certified agents and brokers, the complaints to Medicare and workload may increase, not decrease, the group said. Fewer certified agents and brokers will also increase the workload of the estimated 15,000 State Health Insurance and Assistance Counselors nationwide, leaving beneficiaries with fewer options when considering Medicare health and drug plans. Additional concerns include HIPAA requirements to store data compliantly. The petition also recommends the CMS remove the licensed and certified independent agents and brokers from the definition of a third-party marketing organization and exempt the agents and brokers from the new call recording requirements. The call recording requirements raise some questions for HAFA members, said its president and CEO Ronnell Nolan. Those questions include:
“The whole idea behind this regulation is to make sure that folks who are on Medicare get the correct information and are being treated with the utmost respect,” she said. “The CMS rules were originally intended to go after these bad eggs that are calling these seniors and talking them into making changes that they shouldn't make, or that they don't even know that they're making. But Medicare agents go through extensive training to sell plans. This just seems like a slap in the face to the agent community.” ![]() |
Medicare Blog | Medicare News | Medicare Information
Health agents seek reversal of CMS rule on recording Medicare Advantage calls
Posted by www.psmbrokerage.com Admin on Wed, Jul 27, 2022 @ 09:35 AM
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Latest in Medicare Compliance - CMS Ruling Notification
Posted by www.psmbrokerage.com Admin on Wed, Jul 20, 2022 @ 03:23 PM
RE: Third- party Marketing OrganizationsOn May 9, 2022, CMS issued new requirements for third-party organizations (TPMOs) with an effective date of June 28, 2022 and an applicable date of January 1, 2023.
More details to come as we receive more updates and guidance. Helpful Resources: ![]() |
Tags: Online Enrollment, CMS, Compliance
More Than One-Quarter of U.S. Population on Medicaid
Posted by www.psmbrokerage.com Admin on Wed, Jul 20, 2022 @ 10:47 AM
Medicaid membership − available through the National Association of Insurance Commissioners (NAIC) and California Department of Managed Health Care (CA DMHC) statutory sources; and State managed and non-managed Medicaid program reports; and aggregated in Mark Farrah Associates’ Health Coverage Portal TM − now stands at 85,970,046, or 25.8% of the 332.78 million people in the U.S., as of March 2022. Using MFA’s Health Coverage Portal™ you can obtain the enrollment source breakdown as represented in the following table, as well as state specific enrollment by carrier.
Market Share The table below shows that the top 10 companies in March of 2022 all increased Medicaid enrollment from the same period in 2021. Centene remained the leader with a 16.5% market share, which is a decrease of 0.4% from 1Q21. Seven of the top 10 companies based on enrollment experienced gains in market share during the period. Anthem realized the largest gain in Medicaid enrollees from March 2021 to March 2022 gaining almost 1.5 million giving them a 10.4% market share. ![]() ![]() |
Tags: Medicaid
How to Calculate the Part D Late Enrollment Penalty
Posted by www.psmbrokerage.com Admin on Wed, Jul 20, 2022 @ 09:59 AM
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Example |
Mrs. Martinez has Medicare, and her first chance to get Medicare drug coverage (during her Initial Enrollment Period) ended on July 31, 2018. She doesn’t have prescription drug coverage from any other source. She didn’t join a Medicare drug plan by July 31, 2018, and instead joined during the Open Enrollment Period that ended December 7, 2020. Her Medicare drug coverage started January 1, 2021. Since Mrs. Martinez was without creditable prescription drug coverage from August 2018–December 2020, her penalty in 2021 is 29% (1% for each of the 29 months) of $33.37 (the national base beneficiary premium) or $9.68 each month. Since the monthly penalty is always rounded to the nearest $0.10, she will pay $9.70 each month in addition to her plan’s monthly premium. Here's the math: .29 (29% penalty) × $33.37 (base beneficiary premium) = $9.68 $9.68 rounded to the nearest $0.10 = $9.70 $9.70 = Mrs. Martinez's monthly late enrollment penalty for 2021 |
How do I know if I owe a penalty?
What if I don't agree with the late enrollment penalty?
You may be able to ask for a "reconsideration." Your drug plan will send information about how to request a reconsideration.
Complete the form, and return it to the address or fax number listed on the form. You must do this within 60 days from the date on the letter telling you that you owe a late enrollment penalty. Also send any proof that supports your case, like a copy of your notice of creditable prescription drug coverage from an employer or union plan.
Do I have to pay the penalty even if I don't agree with it?
Related Resources

Tags: Medicare Part D, Penalty
AIG: Great news! You can earn up to $500 extra until September 30th
Posted by www.psmbrokerage.com Admin on Wed, Jul 20, 2022 @ 09:33 AM
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Tags: aig
MyMedicareBot - Voice Signature Enrollment Tool for Medicare Advantage & PDP Sales
Posted by www.psmbrokerage.com Admin on Mon, Jul 18, 2022 @ 01:22 PM
![]() Welcome to a new era in Medicare enrollment. On behalf of YourMedicare, we’re excited to share our innovative new solution designed to enhance you and your prospects’ shopping and enrollment experience this AEP - introducing YourMedicare’s Telephonic Enrollment platform powered by MyMedicareBot. 👉 YourMedicareBot Resource Page
👉 YourMedicareBot Registration Page 👉 YourMedicareBot Portal Login Page 👉 YourMedicareBot Training Videos
⭐ Additional benefits include:
If you have any questions about the YourMedicare Telephonic Enrollment platform, please contact us at 800-998-7715 for more details and training. ![]() |
Tags: Medicare Advantage, Enrollment Tools, MyMedicareBot, Voice Signature
Humana Medicare is expanding in 2023
Posted by www.psmbrokerage.com Admin on Wed, Jul 13, 2022 @ 08:23 AM
Have you heard? Humana Medicare is growing – And they’re expanding their footprint in 2023!
Subject to Centers for Medicare & Medicaid Services (CMS) approval. Confidential and proprietary. For internal/agent use only. Do not distribute. ![]() |
Tags: Humana, Medicare Advantage, AEP, 2023
Aetna Medicare is growing in 2023
Posted by www.psmbrokerage.com Admin on Tue, Jul 12, 2022 @ 10:49 AM
Have you heard? Aetna Medicare is growing – And they’re expanding their footprint in 2023!
Subject to Centers for Medicare & Medicaid Services (CMS) approval. Confidential and proprietary. For internal/agent use only. Do not distribute. ![]() |
Tags: Online Enrollment, Medicare Advantage, aetna, AEP, 2023
Building Your Insurance Product Portfolio (Video)
Posted by www.psmbrokerage.com Admin on Mon, Jul 11, 2022 @ 03:08 PM
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Tags: Senior Market Insurance, Video, Portfolio
Compliant MA & PDP Enrollment Solution for the 2023 AEP
Posted by www.psmbrokerage.com Admin on Wed, Jul 06, 2022 @ 04:14 PM
Maximize Your Telephonic Efficiency
MyMedicareBot is proud to announce the carrier network expansion of its Telephonic Enrollment solution for field agents. Effective immediately, licensed Medicare agents can enroll beneficiaries telephonically into MA, MAPD, and PDP plans from CVS/Aetna, Cigna, Humana, United Healthcare, and soon WellCare.
"The platform's call recording and analytics capabilities are available now to help field agents prepare to comply and excel under the new CMS Final Rule. All of us at MyMedicareBot are excited to bring this CMS-compliant solution before the start of the 2023 AEP," Michael Cho, CEO.
⭐ Benefits include:
MyMedicareBot's Field Agent Portal with Telephonic Enrollment is a web-based tool that provides field agents with:
"Field agents can sell, service, and enroll members through a CMS-compliant process. With the Field Agent Portal, health plans can confidently rely on field agents to operate safely and compliantly and meet the increased CMS compliance regulations of AEP 2023." said MMB.
Need support or creative marketing ideas for AEP? ![]() |
Tags: Medicare Advantage plans, Online Enrollment, AEP, MyMedicareBot, 2023
Aetna Supplemental: Ready, set, go... get your bonus!
Posted by www.psmbrokerage.com Admin on Tue, Jul 05, 2022 @ 03:41 PM
Submit qualifying apps July 1 - September 30
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Tags: Aetna Supplemental, Bonus Program
Humana is expanding their Medicare footprint in 2023!
Posted by www.psmbrokerage.com Admin on Tue, Jul 05, 2022 @ 03:37 PM
Humana’s Medicare footprint is expanding in many states and counties in 2023
Humana is excited to share that our plan offerings continue to grow, and in AEP 2023 we will be expanding our Medicare plans across multiple categories in a number of new markets – growing our footprint to 1.59M total eligibles including 500K total Dual eligibles.
Click below to to access an outline and familiarize yourself with the expanded plan offerings in your market starting AEP 2023. * CMS strictly prohibits dissemination of 2023 plan information before October 1, 2022.
For Agent Use Only.
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Tags: Humana, Medicare Advantage plans