As people approach age 65, they’re bombarded with insurance offers. While some companies continue to add to the clutter and confusion, Mutual of Omaha is focused on helping you guide your clients through the complexity of selecting Medicare coverage. So, when they turn to you for help, turn to Mutual of Omaha’s Medicare Solutions portfolio.

Medicare-age clients are looking to stay physically and financially healthy. Considering they need to make their savings last, they want to know what’s covered and how much things will cost. They want to feel confident that the coverages they choose will help protect their health and budget.

Mutual of Omaha’s Medicare Solutions can do just that.

Take a look at their products that help solve your clients’ needs during their retirement years:

• Medicare Supplement Insurance. Competitive pricing, premium savers and fast policy issue
• Dental Insurance. Guaranteed issue, two plans available (both with optional vision rider), backed by a network of about 375,000 provider locations
• Mutual of Omaha Rx. Two national prescription drug plans with affordable premiums, Value plan has $0 deductible for Tiers 1 & 2 prescriptions
• Cancer, Heart Attack/Stroke Insurance. Limited underwriting, direct payment upon diagnosis, policies up to $100,000

Mutual of Omaha’s great senior product offerings and unparalleled service are the perfect complement to your clients’ needs.

If you have questions or would like to get contracted, please call us at (800) 998-7715 or complete our online request form.

Mutual of Omaha Rx (PDP) is a prescription drug plan with a Medicare contract. Enrollment in the Mutual of Omaha Rx plan depends on contract renewal.

Earn June 1 - September 30

For a limited time, you can earn marketing credits just for placing your dental insurance business with Mutual of Omaha.

You can earn the following credits for your issued dental applications for up to 600 total credits:

• 30 credits for 1-2 issued dental apps
• 60 credits for 3-4 issued dental apps
• 90 credits for 5-6 issued dental apps
• 150 credits for 7 or more issued apps

Each marketing credit gives you $1 to help build your Mutual of Omaha Medicare supplement business. Use your credits for things like:

• Leads
• Postage for mailings
• Office supplies that allow you to use our electronic tools (i.e., computer, laptop, tablet or smart phone)
• Advertising, and more

You'll receive monthly emails - July through October - with your current balance. You may redeem your credits at any time during the program. All credits must be redeemed by December 1.

PDF flyer

Not appointed to sell dental insurance with Mutual? Request details here

The vast and growing untapped source of service and sales 

Oral health is an integral part of overall health, but its importance to overall health and well-being often goes unrecognized. Untreated oral health problems can lead to serious health complications. Having no natural teeth can cause nutritional deficiencies and related health problems. Untreated caries (cavities) and periodontal (gum) disease can exacerbate certain diseases, such as diabetes and cardiovascular disease, and lead to chronic pain, infections, and loss of teeth. Lack of routine dental care can also delay diagnosis of conditions, which can lead to potentially preventable complications, high-cost emergency department visits, and adverse outcomes.

Medicare, the national health insurance program for about 60 million older adults and younger beneficiaries with disabilities, does not cover routine dental care, and the majority of people on Medicare have no dental coverage at all. Limited or no dental insurance coverage can result in relatively high out-of-pocket costs for some and foregone oral health care for others. This brief reviews the state of oral health for people on Medicare. It describes the consequences of foregoing dental care, current sources of dental coverage, use of dental services, and related out-of-pocket spending.

Key Findings

• Almost two-thirds of Medicare beneficiaries (65%), or nearly 37 million people, do not have dental coverage (Figure 1).

• Almost half of all Medicare beneficiaries did not have a dental visit within the past year (49%), with higher rates among those who are black (71%) or Hispanic (65%), have low incomes (70%), and are living in rural areas (59%), as of 2016.⁴
• Almost one in five Medicare beneficiaries (19%) who used dental services spent more than $1,000 out-of-pocket on dental care in 2016.

PSM offers our agent a wide range of dental companies and plans for our agents to represent. The need is clearly there, so don't miss out on helping your clients and put a little extra cash in your pocket as well.

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Mutual of Omaha offers two dental plans* Mutual Dental Preferred and Mutual Dental Protection insurance policies with an optional vision care rider** underwritten by Mutual of Omaha Insurance Company. The dental product is available in all states except: New Mexico, New York, Virginia and Washington.

While this product is positioned for individuals who are Medicare eligible the issue age is 19 – 99 for these policies. For more information and to see rates view the Dental Insurance Product and Rate Guide.

Medicare supplement and Dental Insurance – Better Together
You have a built-in target market. If you are selling Medicare supplement, there are a number of reasons you should be offering your Medicare clients a dental policy.

First, good dental care is important to overall health. But do you know Medicare doesn’t cover dental services? That means dental bills have the potential to take a bite out of people’s savings.

Second, there is a need among individuals age 65 and older for dental insurance.

• 87% of this group still have their natural teeth
• Due to cost, 1 in 5 of them has untreated tooth decay and fewer than half see a dentist even once a year
• Only 12% have dental insurance

Third, it is an easy sale. If you are taking a Med supp e-App the dental plans are quoted up front and with a few simple questions at the end of the app you can complete a dental sale. Also, all Med supp paper apps have the dental application included in the application book.  And with our mobile quote app you can provide your clients a quote on the spot.

Not appointed with Mutual of Omaha. Request details on both their competitive Medicare Supplement and Dental Plans.

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Lack of Dental Coverage has Real Costs and Consequences for People with Medicare

This week, the nonpartisan Kaiser Family Foundation (KFF) released an issue brief examining the issue of oral health for people on Medicare. It describes the consequences of foregoing dental care, current sources of dental coverage, use of dental services, and related out-of-pocket spending.

Despite the evidence that oral health is related to physical health, Original Medicare does not cover most dental care needs. While some Medicare Advantage plans may offer dental benefits, this coverage is often limited, and its availability can vary considerably across plans. As a result, many people with Medicare often lack adequate oral health coverage, which exposes them to serious health complications and high out-of-pocket spending.

Check out the dental plans PSM makes available to our independent agents.

Source: https://blog.medicarerights.org/lack-dental-coverage-real-costs-consequences-people-medicare

Image: Freepik

Ameritas Dental and Vision Plans

 

Useful AEP Links:

2019 Annual Enrollment Period (AEP) Checklist

2019 AHIP Training - $50 Discount for PSM Agents

2019 Carrier Specific Certification Instructions

2019 Medicare Advantage and PDP First Looks

Medicare Advantage Lead Incentive for PSM Agents

Online Submission Platform for MA and Part D Sales