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Medicare Blog | Medicare News | Medicare Information

2025 Cigna Plan Previews Now Available

Posted by www.psmbrokerage.com Admin on Thu, Jun 13, 2024 @ 04:42 PM

2025 Cigna Plan Previews

2025 MAPD Plan Previews have just been released by Cigna.

Complete the request form to receive all the details right to your inbox.

Please keep in mind, plan previews are for agent use only and not intended for the general public. Please do not share with any beneficiaries prior to October 1, 2024.

 

2025 AEP Preparation Guide

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

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For agent use only. 

 

Tags: Cigna, Medicare Advantage plans, Online Enrollment, AEP, certification, Medicare FMO, 2025

2025 UnitedHealthcare Certification Now Available

Posted by www.psmbrokerage.com Admin on Mon, Jun 10, 2024 @ 04:23 PM

2025 UHC Certification 2

2025 AEP Preparation Guide - Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

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For agent use only. 

 

Tags: Medicare Advantage plans, Online Enrollment, AEP, certification, Medicare FMO, 2025

2025 Devoted Plan Previews Now Available

Posted by www.psmbrokerage.com Admin on Mon, Jun 10, 2024 @ 11:32 AM

2025 Devoted Plan Previews-1

2025 MAPD Plan Previews have just been released by Devoted.

Complete the request form to receive all the details right to your inbox.

Please keep in mind, plan previews are for agent use only and not intended for the general public. Please do not share with any beneficiaries prior to October 1, 2024.

Learn More - Devoted

 

2025 AEP Preparation Guide

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

Newest Blog Posts  |  All Blog Posts

For agent use only. 

 

Tags: Medicare Advantage plans, Online Enrollment, AEP, certification, Devoted Health, Medicare FMO, 2025

Technology Spotlight: YourFMO Enrollment Center

Posted by www.psmbrokerage.com Admin on Mon, Jun 03, 2024 @ 02:09 PM

Enrollment Center

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.

 

2025 AEP Preparation Guide

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

Newest Blog Posts  |  All Blog Posts

For agent use only. 

 

Tags: Medicare Advantage plans, Online Enrollment, AEP, certification, Medicare FMO, 2025

2025 Certification Dates Announced

Posted by www.psmbrokerage.com Admin on Fri, May 31, 2024 @ 10:14 AM

2025 Certification Dates-1

To keep you on track, we have gathered the certification release dates below so you can easily note these crucial dates on your calendar. Stay tuned for more details.

In addition, we have organized the certification instructions and requirements for the carriers offered through PSM Brokerage all in one easy to access location. These certification pages will be updated as more information is released for the 2025 plan year. Don't hesitate to reach out to us if you have any questions.

  • UnitedHealthcare - Live
  • HCSC - 6/18/2024
  • AHIP - 6/24/2024
  • FL Blue - 6/24/2024
  • Devoted Health - 6/25/2024
  • Zing - 6/25/2024
  • Aetna - 6/27/2024
  • Cigna - 6/28/24
  • Humana - 7/2/2024
  • Elevance - 7/2/24
  • Freedom / Optimum - 7/2/24
  • Molina -  7/8/24
  • Wellcare - 7/16/24

 

2025 AEP Preparation Guide

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

Newest Blog Posts  |  All Blog Posts

For agent use only. 

 

Tags: Medicare Advantage plans, Online Enrollment, AEP, certification, Medicare FMO, 2025

2025 AEP Preparation Guide

Posted by www.psmbrokerage.com Admin on Thu, May 30, 2024 @ 02:13 PM

2025 AEP Guide

Our 2025 Annual Enrollment Period (AEP) Guide is here, and we couldn't be more thrilled to share it with you! Carefully curated and packed with valuable insights, this guide is your key to success as you navigate the upcoming enrollment season. From tips on maximizing your productivity to strategies for optimizing your performance, this essential resource has everything you need to excel during this critical time of the year. 

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

Newest Blog Posts  |  All Blog Posts

For agent use only. 

 

Tags: Medicare Advantage plans, Online Enrollment, Referrals, AEP, cross marketing, Enrollment Tools, Medicare FMO, Medicare Supplement plans, 2025

2024 Medicare OEP Details

Posted by www.psmbrokerage.com Admin on Thu, Dec 07, 2023 @ 12:20 PM

Medicare OEP

The Medicare Open Enrollment Period (OEP), which runs from January 1st to March 31st each year, is an important time for Medicare beneficiaries. It allows individuals enrolled in Medicare Advantage plans to make certain changes to their coverage.

Here are key rules and guidelines for the Medicare OEP:

Medicare Advantage Plan Changes:
Beneficiaries enrolled in a Medicare Advantage plan as of January 1 can switch to another Medicare Advantage plan or return to Original Medicare (Part A and B). This can be done only once during the OEP.

Prescription Drug Plan Changes:
If a beneficiary switches to Original Medicare during this period, they can also join a Medicare Prescription Drug Plan (Part D) to add drug coverage.

No Changes for Standalone Part D Plans:
Beneficiaries who have Original Medicare with a standalone Part D plan cannot use this period to switch their Part D plan.

No Effect on Medigap Policies:
The OEP does not provide an opportunity to purchase or switch Medigap (Medicare Supplement) policies. Medigap enrollment rules are separate and not tied to the OEP.

One-Time Change:
Each beneficiary is allowed one plan change during the OEP. Once a change is made, the beneficiary cannot make another change until the next Annual Enrollment Period, unless they qualify for a Special Enrollment Period.

Coverage Effective Dates:
Changes made during the OEP take effect on the first day of the month after the plan receives the enrollment request. For example, a change made in February will take effect on March 1st.

No New Enrollments for Medicare:
The OEP is not for individuals who are newly eligible for Medicare to enroll in Medicare Advantage or Part D. New enrollees have separate initial enrollment periods.

Marketing Restrictions:
There are specific rules restricting insurance providers from actively marketing to beneficiaries during OEP. This includes no unsolicited marketing materials specifically about the OEP.

Royal Neighbors AnnuitiesUnderstanding these rules is crucial for anyone working with Medicare beneficiaries, especially insurance agents and healthcare advisors, to ensure compliance and provide accurate guidance.

After the Annual Enrollment Period (AEP), there are several effective sales strategies you can employ to maintain momentum and continue growing your business.

Check out a summary of ideas here.

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Tags: Medicare Advantage plans, OEP, Compliance

Essential MA OEP Reminders

Posted by www.psmbrokerage.com Admin on Thu, Dec 07, 2023 @ 12:18 PM

oep2

In January, some clients who recently enrolled in new Medicare Advantage plans may contact you, expressing uncertainty about their decision. Moving from a familiar plan to an unfamiliar one can be daunting. Fortunately for your client, they're not locked into their new coverage. Shortly after the Annual Enrollment Period (AEP), beneficiaries in Medicare Advantage plans have the option to reconsider their plan choice.

Today we'll look into what options beneficiaries have, as well as a few points to consider as it relates to restrictions on marketing during this time.

As you might be aware, the Medicare Advantage Open Enrollment Period (MA OEP) is designed for two specific groups:

  • Clients who are new to Medicare and have chosen to enroll in a Medicare Advantage (MA) plan during their Initial Coverage Election Period (ICEP). These beneficiaries are granted a three-month OEP, which initiates in the same month they become eligible for both Part A and B of Medicare.
  • Clients who have already enrolled in MA plans starting on January ,. For these clients, an OEP is available from January 1 to March 31.

This means that clients who contact you in January, expressing dissatisfaction with their new plan, have the opportunity to make a one-time switch in their coverage. So, what alternatives do they have?

Keep in mind that Part D changes during the MA 0EP are tied to MA plan changes. Clients can modify their drug coverage by switching to a different MAPD plan, transitioning from MA to MAPD, or returning to Original Medicare with a standalone Part D plan. However, if someone has Original Medicare with a Part D plan, they cannot switch to a different drug plan during the MA 0EP; they must wait for a Special Enrollment Period (SEP) or the next Annual Enrollment Period (AEP).

Restrictions on Marketing

One major point to consider is the restriction on marketing during the MA OEP window. 

Agents cannot knowingly target or send unsolicited marketing materials to MA or Part D enrollees during the MA OEP 0anuary 1 to March 31). It's important to note that "knowingly" takes into account the intended recipient as well as the content of the message.

SureBridge Dental PlansUnderstanding these rules is crucial for anyone working with Medicare beneficiaries, especially insurance agents and healthcare advisors, to ensure compliance and provide accurate guidance.

After the Annual Enrollment Period (AEP), there are several effective sales strategies you can employ to maintain momentum and continue growing your business.

Check out a summary of ideas here.

Newest Blog Posts  |  All Blog Posts

 

Tags: Medicare Advantage plans, OEP, Compliance

Benefits of Taking Your Medicare Business Digital

Posted by www.psmbrokerage.com Admin on Thu, Nov 02, 2023 @ 01:33 PM

lEVEL uP

Selling Medicare insurance online offers a host of compelling advantages for both insurance agents and seniors alike. The digital platform provides a broader reach, allowing agents to connect with potential clients regardless of geographical boundaries.

This convenience extends to seniors, who can explore Medicare plans, compare options, and even enroll from the comfort of their homes, eliminating the need for in-person visits. The 24/7 availability of online resources ensures that information is accessible at any time, accommodating different schedules.

Additionally, the efficiency of online operations reduces overhead costs and paperwork, allowing agents to allocate resources more effectively. Through data-driven strategies, agents can deliver personalized recommendations based on clients' needs, enhancing their experience.

With real-time communication, rapid updates, and scalability, selling Medicare insurance online not only streamlines the enrollment process but also provides a dynamic and tailored approach that aligns with the digital age, benefiting agents and seniors alike.

Welcome to a NEW ERA in Medicare enrollment.

PSM has teamed up with SunFire 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 with industry-recognized service and support.

SunFire Enrollment Center-2

View our Medicare Solutions portfolio today:

Medicare Supplement Plans  |   Medicare Advantage Plans   |   Part D Prescription Plans

Discover an unparalleled array of valuable resources tailored exclusively for insurance agents serving the senior market. From personalized marketing materials to interactive sales strategies, our goal is to empower agents with the latest tools, technology and mentorship to achieve new levels of success. View Resources.

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Tags: Medicare Advantage plans, medicare supplement insurance, Marketing, Best Practices

Preparing for the 2024 Annual Enrollment Period

Posted by www.psmbrokerage.com Admin on Thu, Sep 07, 2023 @ 03:58 PM

Prepare for AEP

Preparing for the 2024 Annual Enrollment Period (AEP)

Preparing for the 2024 Annual Enrollment Period (AEP) in the Medicare market requires strategic planning and a proactive approach to effectively meet the needs of beneficiaries. As this critical period approaches, there are several key steps to consider in order to maximize your success and provide valuable services to your clients.

First and foremost, staying updated on changes to Medicare regulations, plan offerings, and industry trends is paramount. The healthcare landscape is constantly evolving, and being well-informed positions you as a reliable source of information for beneficiaries seeking the right coverage. Attend seminars, webinars, and training sessions provided by insurance carriers to ensure you're up-to-date with the latest developments.

Reviewing your marketing and outreach strategies is essential to engage potential clients during the AEP. Refresh your online presence by updating your website, social media profiles, and other digital channels. Consider creating informative content such as blog posts, videos, and downloadable guides that address common questions and concerns about Medicare plans. Tailoring your messaging to highlight the advantages of different plans can help beneficiaries make informed decisions.

Focusing on compliance is also crucial during the AEP. Familiarize yourself with the Medicare Marketing Guidelines issued by the Centers for Medicare & Medicaid Services (CMS). These guidelines outline the dos and don'ts of marketing Medicare plans. Ensuring that your marketing materials are accurate, transparent, and compliant will maintain your reputation and prevent potential legal issues.

Lastly, anticipate the surge in inquiries and be prepared to offer personalized assistance to beneficiaries. Consider implementing systems to manage incoming queries efficiently, whether through your website, email, or phone. Providing clear and concise information, as well as addressing concerns promptly, can set you apart as a trustworthy advisor. By offering exceptional customer service, you'll establish strong relationships with clients that extend beyond the AEP.

By strategically approaching this period, you'll not only serve your clients effectively but also position yourself as a knowledgeable and reliable Medicare advisor.

qUOTE-Aug-15-2023-06-22-05-9578-PM

At PSM, we are committed to providing our agents with a range of resources and support to help them succeed. From personalized marketing materials to interactive sales strategies, our goal is to empower agents with the latest tools, technology and mentorship to achieve new levels of success this AEP.

AEP Resources:

Powerful Partnerships:

We are committed to providing our agents with a range of resources and support to help them succeed: Our powerful partnerships include:

Strong relationships with insurance carriers and industry experts to provide agents with access to the best products, tools, and support.

Capital infusion and acquisition strategies to help agents expand their business and reach their ultimate goals.

Dedicated service and mentorship from experienced professionals to help agents build a successful business.

Proprietary lead, training, marketing and enrollment platforms to streamline your sales process and business practices.

Compliance oversight to ensure agents are meeting regulatory requirements and operating ethically.

Succession planning and agency building support to help agents plan for the future and achieve long-term success.

AEP Helpful Guides:

AHIP Certificationmedicare enrollment periodsSEP Guide

Best Practices for Medicare Sales or Educational EventsSell Medicare Plans Onlinean agents guide to dual eligible special needs plans (DSNP) 

Cross-Selling Hospital Indemnity Plans GuideSelling Medicare Supplement PlansSelling Medicare Advantage Plans

We are here to support!

As a reminder, We pride ourselves on a "Do the Right Thing" approach and will go above and beyond to service the needs of our agents. We look forward to having a successful AEP and supporting you with products, technology and the personalized service you have come to expect from PSM. We appreciate the opportunity to earn your business and wish you the best!

 

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Tags: Medicare Advantage plans, CMS, AEP, medicare supplement insurance, Compliance, Marketing, Best Practices, 2024

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