The next few months will be a challenge helping clients and prospects while managing through the constraints of social distancing and regulatory restrictions on unsolicited sales calls. 

Now, more than ever, people need help with their health insurance and financial matters. This issue is dedicated to helping you stay informed and providing you telesales and other tools to remain productive.

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Consumer Protection is Top of Mind

The Centers for Medicare and Medicaid Services (CMS) and the Office of Personnel Management (OPM) issued guidance to Medicare Advantage Organizations and Part D Sponsors on obligations when there is a state of disaster. 

Included in President Trump’s proclamation declaring a national emergency, the head of the U.S. Department of Health and Human Services (HHS) was given certain authorities; including temporarily letting Medicare Advantage plan enrollees in an emergency area get health care items and services out of network. Read More

The Trump Administration today announced expanded Medicare telehealth coverage that will enable beneficiaries to receive a wider range of healthcare services from their doctors without having to travel to a healthcare facility. Read Press Release and Fact Sheet.  

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Stay in Contact with Your Clients

This PDF is ready to be customized with your contact information and for you to distribute to clients.

 

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Sell Remotely - YourMedicare Telesales 

PSM has teamed up with YourMedicare™ to bring you a revolutionary new tool to write more Medicare business. With our all-inclusive platform, you can sell Medicare plans on your terms. Offer top carriers, receive the best commissions, all on a vested contract with industry-recognized service and support.

Independent agents play a vital role in helping seniors secure the most cost-effective Medicare plans for their individual needs. This comprehensive tool simplifies the sales process with multi-carrier shopping and enrollment platforms wrapped into a single online experience. And best of all, this platform is available at no cost to PSM agents.

Request details today and make sure you have access to this cutting edge technology at your fingertips.

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Wondering About Medigap?

We can also help with Medigap, providing eApplication (eApp) with Voice Signature capability for two leading carriers, ACL and Thrivent. Plus, through Agent Xcelerator and our partnership with CSG we provide access to a large selection of leading carrier eApps - such as for Mutual of Omaha, Aetna, Cigna, UnitedhHealthcare and others - that include an email signature option.

View our portfolio of Medicare Supplement companies.

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 Hospital Indemnity & Short Term Medicare Plans

Given the potential for an increase in virus-related hospitalizations, now would be an excellent time to review your database of Medicare Advantage consumers most at risk and contact them about enrolling in a supplemental Hospital Indemnity (HI) plan.

Use the CSG HI / MA plan comparison tool provided by Agent Xcelerator to quote HI plan to fill coverage gaps. You can access it by clicking "Fill the Gaps" on the MA plan quotes screen. 

Short Term Medicare Plans are also an important consideration for customers who lose their job and need interim coverage. 

Contact your Marketing Representative for access to competitive products and more specifics about YourMedicare and the other tools available to you.

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Consumers Panic Shopping for Life Insurance in the Face of Coronavirus

According to a recent Forbes article, panic buying has now extended to life insurance.  In fact, according to the MIB Life Index, life insurance application activity increased 5.6% year over year in February, a second consecutive month of increases.

Now is time to ask your customers if their life insurance coverage is adequate.  We can help you understand available options from term insurance through final expense. Remember, most life insurance carriers offer electronic applications with alternatives to wet signatures.

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Strong Annuity Sales Environment Now

These are anxious times for retirees.  With the Fed cutting rates to near zero and the stock market plunging over the past month, income from non-Medicare sources such as CDs and dividends is in jeopardy.

Many consumers have been turning to annuities, in particular MYGAs, to take advantage of minimum guarantees and market value adjustment features. Some carriers are offering promotions through the end of the month.

With FireLight eApplications, available through Agent Xcelerator, you may complete cash sales 100% remotely.  For non-cash sales, complete the eApp and then follow up to the carrier with the original transfer paperwork and a wet signature.

Time is of essence. Take advantage of current annuity rates to provide your customers peace of mind.

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Coronavirus Symptoms and Prevention

The WHO/CDC recommends this Coronavirus (COVID-19) reference to provide info, tips, and tricks for the global pandemic. Use this quick reference to teach the basics and understand how to identify the symptoms of the Coronavirus.

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