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2025 AEP Preparation Guide

Posted by www.psmbrokerage.com Admin on Tue, Jun 18, 2024 @ 01:28 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.

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For agent use only. 

 

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

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.

Take a sneak peek at our 2025 plans, products, and featured markets.

Cigna's 2025 Medicare Advantage (MA) Preview are now available! In it, you'll find information about their 2025 MA plans, products, and benefits which are designed to add value to your customers' lives. This upcoming year, you can expect to see our MA plans in 29 states and the District of Colombia.

More details included in 2025 Preview:

  • Advantages to working with Cigna Healthcare
  • Supplemental health benefits
  • Featured products
  • Customer profiles
  • 2025 markets
  • Featured plans and highlights by state

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.

Newest Blog Posts  |  All Blog Posts

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.

Newest Blog Posts  |  All Blog Posts

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.

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

10 Reasons to Use E- Applications

Posted by www.psmbrokerage.com Admin on Thu, Nov 02, 2023 @ 11:01 AM

E Apps

10 Reasons to Use E-Applications

Since the Coronavirus lock down, the ability to use e-applications has become a hot topic. The lockdown really highlighted the importance of being able to sell from home and complete applications online.

In an industry based on relationships, it is still possible to conduct business, successfully, and build trust with clients without meeting face-to-face.

There are still ways to connect with customers, such as: over the phone or via video call.

E-Apps give you the flexibility to not be right there with your customer but still be able to get a completed application from them.

Agents are starting to realize the many benefits of filling out applications online. This isn’t relegated to times of mandatory social distancing. There are good reasons agents should be using e-applications all the time, whether we have a quarantine situation or not.

E-apps are a great way to submit business. They are quick and easy for agents and clients alike, and can be signed electronically. An application that may take you 30-40 minutes by paper may take you just 10 minutes online.



10 Reasons to Use E-Applications


1.  E-Apps Are Quicker 

E-apps are a much quicker way to do business. They aren’t just quicker to fill out, the time to process the applications is also sped up. In some cases, turnaround time for approvals can be decreased by up to 2 weeks.



2.  Fewer Mistakes With E-Apps

There are far less mistakes with an online application, since the application can alert you if something is missed or input incorrectly.



3.  Pre-Qualify your clients

You can pre-qualify your clients by answering required health questions. No waiting days just to find out if they qualify. Find out instantly with most carriers.



4.  E-Apps Save Time

In addition to application and approval time savings there are more efficiencies agents gain by using this process. An agent will also benefit from the time not having to drive out to client’s homes as they would with paper applications, not to mention the associated costs of travel.



5.  Serve More Clients With the Time You Save

The time gained by using online e-applications can now be put into dealing with more clients, increasing the number of applications that can be submitted compared to the old manual process.



6.  Covid Has Made a Virtual Meeting a Friendly Option

People can be hesitant when it comes inviting a stranger into their home. This can make a virtual meeting and e-app option much easier to sell to clients.



7.  Get Paid to Submit E-Apps

You heard that right. Most insurance companies are offering bonuses to agents when they use e-apps. Why are they doing this? Because they benefit from the efficiency of online applications just like everyone else does. As agents turn more and more to online applications it allows insurance companies to streamline their business around that process.



8.  Quicker Underwriting Approval

Some carriers offer immediate underwriting approval. With these carriers you know on the spot if your client is declined. No more waiting for days just to find out the app was approved or not.



9.  Complete Multiple Apps at Once

Some carriers such as Mutual of Omaha and Cigna (as of the date of this article) allow you to submit applications for different plans. Ex. A client that is looking for a Med Supp. and a cancer policy can be done in one pass without the redundant paperwork.




10.  Get Paid More Quickly

Since the entire process of completing, submitting and approval of applications is quicker with e-apps, then you will obviously get paid quicker. Getting paid quickly means more money in your pocket in less time. Its hard to argue with those types of benefits.




Don’t think of handling applications online as a novel method to be used in just a few circumstances.

There is no reason not to be using e-apps as often as possible. Using e-applications is simply the best method available right now. It will benefit you, your clients and the carrier if you do.

As always , if you have any questions about the tools we have available to help you become more productive, our experienced marketers are here to help.

Tags: Online Enrollment

Medicare Scope of Appointment Form Download

Posted by www.psmbrokerage.com Admin on Wed, Sep 27, 2023 @ 02:14 PM

soa rules-Sep-27-2023-07-23-53-3377-PM

The Scope of Appointment (SOA) process is a crucial aspect of Medicare marketing and sales activities designed to protect the interests of Medicare beneficiaries and ensure compliance with regulations. The SOA process is primarily associated with Medicare Advantage (Part C) and Medicare Prescription Drug Plans (Part D) but can also apply to other Medicare-related products.

Here's an overview of the Medicare Scope of Appointment process:

  1. What is the Scope of Appointment (SOA)?

    The Scope of Appointment is a document that outlines the specific topics and types of information that a Medicare sales agent or broker intends to discuss with a Medicare beneficiary during a face-to-face or telephone appointment. It is a critical tool to ensure that the beneficiary understands the purpose of the meeting and has consented to discuss certain Medicare-related topics.

  2. Purpose of SOA:

    The SOA process serves several important purposes:

    • Ensures that beneficiaries have control over the topics discussed during the appointment, preventing agents from presenting unwanted or unnecessary information.
    • Helps prevent instances of coercion or aggressive sales tactics.
    • Demonstrates compliance with Medicare regulations, specifically the Medicare Marketing Guidelines.
    • Protects beneficiaries by ensuring they only receive information they've agreed to hear about.
  3. When is an SOA Required?

    The SOA process is typically required when a Medicare sales agent or broker wants to have a one-on-one, in-person or telephone conversation with a Medicare beneficiary to discuss specific Medicare-related products, such as Medicare supplement plans, Medicare Advantage plans or Medicare Part D prescription drug plans. It's important to note that unsolicited contact without an SOA can lead to penalties.

  4. Completing the SOA Form:

    To initiate the SOA process, the agent or broker must provide the beneficiary with an SOA form, which includes the following information:

    • Beneficiary's name and contact information.
    • Date of the appointment.
    • The agent's or broker's name and contact information.
    • A list of the specific topics or products that will be discussed during the appointment.
  5. Obtaining Consent:

    Before discussing any topics not listed on the SOA form, the agent or broker must obtain explicit consent from the beneficiary. The beneficiary can either agree to discuss the additional topics or decline.

  6. Documenting the SOA:

    The agent or broker is required to document the SOA process, including a record of the beneficiary's consent or refusal to discuss additional topics. Documentation is essential for compliance purposes and to provide a record of the beneficiary's choices.

  7. The 48 Hour Rule:

    Introduced in the autumn of 2023, the recently implemented 48-hour rule is designed to combat deceptive marketing tactics and safeguard the well-being of beneficiaries. As per the rule, agents are required to furnish beneficiaries with a Scope of Appointment (SOA) form at least two days prior to a scheduled appointment.

    To adhere to the rule, beneficiaries must sign the SOA form at least 48 hours before their appointment. However, walk-in appointments and appointments that occur within four days of the end of the enrollment period are exempted from this requirement. It is important to note that Scope of Appointment forms remain valid for a period of up to twelve months from the beneficiary's signing.

  8. Penalties for Non-Compliance:

    Failing to adhere to the SOA process and other Medicare marketing regulations can result in penalties, including fines, suspension of sales activities, or revocation of agent/broker licenses.


It's important to note that the specific requirements and regulations regarding the SOA process can change over time. Therefore, Medicare sales agents, brokers, and organizations involved in marketing Medicare supplement plans should stay up-to-date with the latest guidance and requirements issued by the Centers for Medicare & Medicaid Services (CMS) to ensure compliance. 

Questions? Call us at 800-998-7715 and we would be happy to assist.
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Tags: Online Enrollment, Medicare Advantage, Part D, Scope of Appointment, SOA

SunFire Agent Reporting

Posted by www.psmbrokerage.com Admin on Thu, Sep 21, 2023 @ 02:32 PM

SunFire Agent Reporting

Agent Reporting

Coming September 2023... Agent Reporting - a new feature designed to enhance the SunFire Blaze and Blaze Connect experience by providing agents transparency into their individual performance.

Agents will have visibility into their production since January 1, 2023. To access this new function, click the graph icon on the left side of your screen and select the “Performance” tab at the top.

This report will showcase:

  • Total number of enrollments submitted across Blaze & Blaze Connect through the instance you are utilizing, broken down by Carrier, Product Type, and Servicing Area.
  • Eligible HRA completion rates, identifying enrollments with an HRA still available.
  • Eligible Value-Based Care submission rates, identifying enrollments with a VBC Opportunity still available.
  • Eligible Mail-Order Pharmacy Consent Form completion rates, identifying enrollments with a Consent Form still available.
  • Individual book of business footprint across the country, visualized by heat map.
  • Access to a helpful suite of unique SunFire quoting flow features to aid in beneficiary information gathering such as, Customer Look Up, Doctors and Drugs collected and Health Utilization Frequency.
  • An enrollment trend algorithm showcasing estimated monthly projections based on current month’s production.
  • A drop-down filter allowing you to easily view data on a specific day or within a selected time frame.

SunFire Enrollment Center-2


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.

Request Access Today!
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Tags: Online Enrollment, Medicare Advantage, Medicare Supplement, Part D, SunFireMatrix

We are excited to announce the initial launch of SunFire’s Med Supp Quoting and Enrollment Experience

Posted by www.psmbrokerage.com Admin on Wed, Aug 30, 2023 @ 08:52 AM

SunFire Medicare Supplement Quoting and Enrollment

We are excited to announce the initial launch of SunFire’s Med Supp Quoting and Enrollment Experience, arriving 10/1! We believe they have created a revolutionary platform that will significantly improve your efficiencies and profitability. As with any new product, their goal is to build a strong foundation with key features and continue to enhance the system over time, including additional carrier integrations.

Features Included in the Initial Launch

  • Accurate quoting for 49 carriers with enrollment capabilities for 17 carriers:
    • Full enrollment integration with Aetna, Cigna and Anthem.
    • With MOO, UHC, Humana, and Aflac slated for the new year.
    • Link outs for the other 11 carriers, where the application will be completed within the carriers’ portal.
  • A Med Supp specific needs assessment, which captures drug and medical condition data, with the intention of alerting agents to carriers that will be unlikely to pass the applicant through underwriting.
  • If our algorithm suggests that Med Supp may not be the best path, the agent can easily transition into the MA/MAPD Quoting and Enrollment flow with all client data staying intact.
  • Post enrollment, our new bundling experience creates real agent efficiencies by providing the ability to capture drug and demographic data one time and pass that information to the DVH and PDP applications displayed post sale.
    • The DVH partners currently integrated for quote and enroll include NCD and Aetna with a more robust suite of DVH integrations, including MOO, UHC, Cigna, Humana, Aflac, GTL and others slated for the coming months.
    • PDP plans are available and will be shown to agents who are ready to sell pre-filled, with pricing based on previously captured pharmacy and drug cabinet info.
  • Please keep in mind we will only quote plans that are RTS for the agent

 

SunFire Enrollment Center-2


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.

Request Access Today!
Newest Blog Posts  |  All Blog Posts

 

Tags: Online Enrollment, Medicare Advantage, Medicare Supplement, Part D, SunFireMatrix

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