Medicare Center MBI Number Update

Summary of Regulatory Changes
As part of the Social Security Removal Initiative, Medicare cards with MBI numbers began to be issued to Medicare recipients in April 2018. Medicare Center has supported both HICN and MBI number input on the Medicare enrollment forms during the transition period. Starting on January 1, 2020, the transition period is over and only MBI numbers should be used on enrollment applications.

Read:  Summary of Changes to Your Enrollment Forms

UHC’s Medicare Med Supp Deep Dive Trainings in Ohio

UHC will be covering topics ranging from the new rates, At Your Best by UnitedHealthcareTM (including Renew Active for AARP Medicare Supplement Plans) and the Authorized to Offer program, among MUCH more!

 

Register to John Herbut @ johnherbutfromthedeskof@uhc.com, for the session that best accommodates your schedule.

        *MUST REGISTER VIA EMAIL BECAUSE SPACE IS LIMITED! 

Can’t make any of these sessions?

Fret not, because WebEx meetings are coming soon! And John from UHC will be back in Ohio the week of February 24th in Dayton, Toledo and Akron- more info to come!

 

Tuesday, January 14, 2020

10:00 AM – 12:00 PM ET

Holiday Inn Independence

6001 Rockside Rd.

Independence, OH 44131

REGISTER TO JOHN HERBUTplease indicate which training date you will be attending

 

Wednesday, January 15, 2020

10:00 AM – 12:00 PM ET

Hilton Garden Inn

6165 Levis Commons Blvd.

Perrysburg, OH 43551

REGISTER TO JOHN HERBUTplease indicate which training date you will be attending

 

Thursday, January 16, 2020

10:00 AM – 12:00 PM ET

Hilton

8700 Lyra Dr.

Columbus, OH 43240

REGISTER TO JOHN HERBUTplease indicate which training date you will be attending

Anthem’s 2020 Updates & Important Info

MA/PDP Bank Drafts:

A voided check has always been required to set up EFT on these contracts. It could take up to 2 billing cycles for the draft to go in effect so members can expect a bill the first month. PDP members who fall out of the automation process and who have not submitted a voided check are receiving letters requesting a voided check. Unfortunately, IT is unable to retrieve the electronic banking info from the system due to how the info is encrypted.  The voided checks need to be submitted until a fix is identified.

February bills are being dropped between 1/3 and 1/9 so please make members aware that they could receive another bill.

HOW to submit voided check info?

  1. If the draft info is in-house, but they just need to confirm if it is a checking or savings account,  work through Agent Services.
  2. Submit the correct EFT form with data via fax: 800 833 8554

Open Enrollment Period (OEP): 

The Centers for Medicare & Medicaid Services (CMS) has re-established an Open Enrollment Period (OEP).  OEP will begin January 1 and end March 31, 2020.

This enrollment opportunity is available to beneficiaries who are currently enrolled in a Medicare Advantage Plan (with or without drug coverage) and allows the following:

  • Switch to another Medicare Advantage Plan (with or without drug coverage).
  • Disenrollment from the Medicare Advantage Plan and return to Original Medicare and enrollment into a standalone Prescription Drug Plan.

During this period, beneficiaries may not:

  • Switch from Original Medicare to a Medicare Advantage Plan.
  • Join a Medicare Prescription Drug Plan (if currently enrolled in Original Medicare).
  • Switch from one standalone Medicare Prescription Drug Plan to another.

One change is permissible during this period, and any changes made will be effective the first of the month after receipt of the enrollment application.

Marketing Guidance

Plans, including agents/brokers, may NOT knowingly conduct any OEP marketing to Medicare Advantage members during the OEP timeframe. This prohibition includes knowingly targeting or sending any unsolicited marketing materials, by telephone, direct mail and/or e-mail.

Examples of ‘knowingly’ targeting for OEP:

  • Sending unsolicited materials advertising the ability/opportunity to make an additional enrollment change or referencing the OEP.
  • Messaging specifically calling out the OEP; including dates/timeframe – even in an ‘educational’ context for existing members/clients.
  • Marketing to beneficiaries who are in the OEP because they made a choice during the Annual Enrollment Period (AEP) by purchase of mailing lists or other means of identification.
  • Engage in or promote agent/broker activities that intend to leverage the OEP as an opportunity to make further sales.
  • Call/Contact former enrollees who elected a new plan during the AEP.

Marketing activities focused on other enrollment opportunities may continue to be conducted, such as (but not limited to):

  • Age-Ins
  • 5-star Plans (if available)
  • Dual-eligible and LIS beneficiaries

Agents/Brokers may also, upon beneficiary request, send marketing materials, schedule one-on-one meetings and provide information regarding OEP via telephone.

Note: The unintentional receipt of other marketing materials by beneficiaries who have already made an enrollment decision is not be considered knowingly targeting.

Additionally, if a beneficiary contacts an agent/broker and asks about their eligibility to enroll into the plan — but makes no explicit reference to OEP — the agent/broker can and should review their information and utilize an eligible enrollment period, including OEP, to assist the beneficiary with the desired plan change.

For example, if an agent/broker sends mailers to a list of age-ins discussing the Initial Coverage Election Period (ICEP), it is possible that some recipients may have already made an enrollment decision; however, the content of the message to the intended audience of age-ins is not prohibited OEP marketing.

OEP activity must be initiated by the member.

Any proactive marketing or unsolicited contact by an agent/broker during the OEP will be subject to a Sales Allegations and subsequent corrective action.

The Centers for Medicare & Medicaid Services (CMS) has re-established an Open Enrollment Period (OEP).  OEP will begin January 1 and end March 31, 2020.

This enrollment opportunity is available to beneficiaries who are currently enrolled in a Medicare Advantage Plan (with or without drug coverage) and allows the following:

  • Switch to another Medicare Advantage Plan (with or without drug coverage).
  • Disenrollment from the Medicare Advantage Plan and return to Original Medicare and enrollment into a standalone Prescription Drug Plan.

During this period, beneficiaries may not:

  • Switch from Original Medicare to a Medicare Advantage Plan.
  • Join a Medicare Prescription Drug Plan (if currently enrolled in Original Medicare).
  • Switch from one standalone Medicare Prescription Drug Plan to another.

One change is permissible during this period, and any changes made will be effective the first of the month after receipt of the enrollment application.

Marketing Guidance

Plans, including agents/brokers, may NOT knowingly conduct any OEP marketing to Medicare Advantage members during the OEP timeframe. This prohibition includes knowingly targeting or sending any unsolicited marketing materials, by telephone, direct mail and/or e-mail.

Examples of ‘knowingly’ targeting for OEP:

  • Sending unsolicited materials advertising the ability/opportunity to make an additional enrollment change or referencing the OEP.
  • Messaging specifically calling out the OEP; including dates/timeframe – even in an ‘educational’ context for existing members/clients.
  • Marketing to beneficiaries who are in the OEP because they made a choice during the Annual Enrollment Period (AEP) by purchase of mailing lists or other means of identification.
  • Engage in or promote agent/broker activities that intend to leverage the OEP as an opportunity to make further sales.
  • Call/Contact former enrollees who elected a new plan during the AEP.

Marketing activities focused on other enrollment opportunities may continue to be conducted, such as (but not limited to):

  • Age-Ins
  • 5-star Plans (if available)
  • Dual-eligible and LIS beneficiaries

Agents/Brokers may also, upon beneficiary request, send marketing materials, schedule one-on-one meetings and provide information regarding OEP via telephone.

Note The unintentional receipt of other marketing materials by beneficiaries who have already made an enrollment decision is not be considered knowingly targeting.

Additionally, if a beneficiary contacts an agent/broker and asks about their eligibility to enroll into the plan — but makes no explicit reference to OEP — the agent/broker can and should review their information and utilize an eligible enrollment period, including OEP, to assist the beneficiary with the desired plan change.

 

For example, if an agent/broker sends mailers to a list of age-ins discussing the Initial Coverage Election Period (ICEP), it is possible that some recipients may have already made an enrollment decision; however, the content of the message to the intended audience of age-ins is not prohibited OEP marketing.

OEP activity must be initiated by the member.

Any proactive marketing or unsolicited contact by an agent/broker during the OEP will be subject to a Sales Allegations and subsequent corrective action.

Medicare Supplement Plan F:

Due to the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), we made changes to our portfolio of plan offerings. For members effective 1/1/2020 or later, Plan F that we offered through our Anthem Insurance Companies, Inc. (AICI) legal entity, will not be available. This change is reflected on the current Outline of Coverage, included with the sales kits in the market to support 2020 products and rates as of September 2019, and will be available through the Online Store and mProducer on January 24, 2020.

Importantly, Plan F and Select Plan F are still available for eligible enrollees through Community Insurance Companies, Inc. (CIC) dba Anthem Blue Cross and Blue Shield.  This change does not impact those currently enrolled in either plan.  Any applications for Plan F/Select F and 1/1/2020 effective dates using the OLD 2019 application will need to be resubmitted using the new application that supports the 2020 portfolio through Community Insurance Companies, Inc., or select a coverage effective date of 12/31/2019 if allowed under the applicants enrollment period.

Med Supp Kits are available with new 2020 Medicare Amounts. Rates have been updated to reflect the changes as noted above. See attached for current rates.

Medicare Supplement Bonus:

Our Medicare Supplement Broker Bonus is extended and increased for January, February & March 2020 Effective Dates!

  • If you sell 3-4 approved Medicare Supplement plan enrollments, you’ll receive an additional $150 bonus per sale!
  • If you sell 5-9 approved Medicare Supplement plan enrollments, you’ll receive an additional $200 bonus per sale!
  • But if you sell 10 or more approved Medicare Supplement plan enrollments, you’ll receive an additional $250 bonus per sale!
  • Anthem Medicare plans currently marketed include SilverSneakers and are designed with your clients in mind!
  • Our commission schedule pays lifetime renewals! You can earn 21% commission years 1-6 and 4% commission years 7+! (applies to new business only)

PDP AOR:

The AOR procedure applies to PDP plans along with Medicare Advantage, Medicare Supplement, and Anthem Extras policies.

The letter must include:

  1. The member’s name and policy number,
  2. The name and encrypted tax ID or agent ID of the new Agent of Record, and
  3. Must include a signature date indicated in the letter.

Ingenio RX replacing Express Scripts for 2020:

Attached are the IngenioRx mail order form and a claim form.

  • Improves affordability for our members.
  • Provides a more seamless member experience.  Anthem will leverage our provider relationships to ensure confident, informed decision making which will lead to better health of your members.
  • Simplified, consistent, and coordinated experience for the member.
  • Will help in keeping MAPD benefits consistent by driving total costs down.
  • 24/7 access pharmacy via toll free number on the back of their membership card.
  • Electronic Prior Authorizations.
  • Active mail-order and specialty scripts will automatically transfer 1/1/2020. Member will need to update payment information before a mail order prescription can be shipped.

MBI Only:

Effective 01/01, only the MBI format will be accepted in the online tools. You can help your prospects locate their MBI on www.SSA.gov if they do not have their card handy.  Incorrect MBIs will result in RFIs (Request for Information) whether paper or electronic apps. You can track the progress of the application in mProducer. RFI status will display what information is needed.

Transportation:

The transportation vendor in Ohio has changed effective 1.1.20. The new vendor is Access2Care.

  • Access2Care  Reservations: 877-478-5120 TTY: 866-874-3972

Optional Supplemental Benefits:

  • Optional Supplemental Benefits can only be added during certain times of the year. During AEP from October 15 – December 7, during OSB Open Enrollment Period from December 8 – March 31 or if you are a new member, you can add OSB within the first 90 days of your initial enrollment.
  • Fax the completed form to: 1-800-833-8554 or, mail to: Anthem Blue Cross and Blue Shield, P.O. Box 659403, San Antonio, TX 78265-9714

Medical Mutual’s January 2020 Updates

Medicare Updates from Medical Mutual of Ohio:

  • Medicare Advantage members can expect their ID cards to arrive by Jan. 1, 2020. The Welcome Kit will be delivered in the middle of January 2020.
  • As a reminder, MMO’s Medicare Advantage plans now offer a transportation benefit. If your clients have inpatient hospital stays, they automatically qualify for this service. To review the details of this benefit, click here.
  • To expedite the processing of Medicare Supplement applications, please submit them online. The online application is the only system that will give you access to tracking. To submit a Medicare Supplement application, follow the steps below:
    • Go to MyBrokerLink and log in.
    • Click on the Sales and Quoting tab and select Quote/Enroll Medicare.
    • Click on the Start New Medicare Application button.

If you have any questions, reach out to your Cornerstone Senior Marketing representative.

Humana’s Achieve Med Supp is now in Ohio!

ACHIEVE IS READY TO SELL IN OHIO!

Humana’s Achieve Medicare Supplement plan is now accepting new business in OHIO with an effective date of January 1, 2020 or later! 

Sales activities for Plans A, F, G and N can begin with 1/1/2020 as the first available effective date of coverage. Plan High Deductible G & N sales activities will begin with signature dates starting with 1/1/2020, as the first available effective date of coverage.

CLICK HERE TO VIEW OUTLINE OF COVERAGE

CLICK HERE TO VIEW FAQ DOCUMENT

 

ACHIEVE BONUS PROGRAM!

Producers can earn uncapped bonuses with a minimum of 3 underwritten cases in a month with Achieve plans! 

View more info here on bonus program

 

Not appointed with Humana? Contact your Cornerstone Senior Marketing Sales Representative today to get started!