Cigna’s VBE Program – Pays more for digital applications

It’s easy to make additional money with Cigna Medicare! Follow the steps below to earn up to $50 on every enrollment!

  1. Submit your new-to-Cigna application digitally and earn $20 per eligible approved application.
  2. Include a valid in-network PCP on the digital application and earn an additional $20.
  3. Include a valid customer email address on the digital application and earn an additional $10.

Eligible plans:

  • All Cigna MAPD plans are eligible for the additional VBE payments. 

Agent training qualifications:

  • Agents must complete all required training in order to be certified and ready to sell 2023 Cigna MAPD plans.
  • No additional VBE training modules are required.

Qualified digital applications:

  • Connecture (DRx)
  • Sunfire
  • eEnrollment
  • OEC files

Valid customer email addresses:

  • Agents must provide a unique and valid email address for the customer.
  • Generic email addresses or an agent’s personal/business email address will not be accepted.
  • Valid PCPs:
    • The provider must be in-network to qualify for the additional VBE payment. Out-of-network providers will not qualify for the additional VBE payment.
    • PCP information must be valid and correct. Incorrect information will not qualify for the additional VBE payment.

Application status:

  • Agents can view their application status in com.
  • Please note: The application status will not inform if the application qualifies for the VBE program payments.

Commissions statement:

  • “VBE – Digital Admin Fee” will be included in the Adjustment Notes column of the commissions statement.
  • The line item will indicate the name of the customer, so agents can verify that they have been paid for each successfully completed and eligible digital application.
Don’t forget about our health risk assessment (HRA) incentive!

 

·    Earn $125 when you enroll your Cigna Medicare Advantage customers in an eligible Medicare D-SNP or C-SNP plan and facilitate an HRA. (For 2023 effectives)

·    Earn $75 for each HRA that you facilitate with your other Cigna Medicare Advantage customers.

 

This means even more money in your pocket! Click here to learn more about Cigna’s HRA incentive.

Exciting update: Lumico.com has a fresh, new look!

Sourced from Distribution Partner News on 11/10/22:

We’ve been working hard to take Lumico.com to the next level, and are thrilled to announce the launch of our new website. Here are a few new features that your agents can expect from Lumico.com:

Access important information with ease

  • Under the “My Account” menu option, there’s a new “Are you an agent?” hyperlink. (You can see it here).
    • All portal links have been consolidated to one page; agents can use this to navigate to the e-App and their Life and Health Agent Portals.
  • Individual product pages offer Lumico product highlights and specifications at a quick glance.
    • Agents can download product fact sheets on each page for easy reference.

Be a valuable resource for customers

  • Support > Help Center – Easily search an expanded repository of FAQs; find answers to commonly asked questions in a central location; check back regularly for new content!
  • Support > Claims – Agents can share this dedicated page with clients and their beneficiaries; here they can download claim forms and submit life and health claims.

About Us > Blog – An educational resource center for all things insurance; agents can connect with their customers by sharing critical insurance topics, including trends, tips, and how-to’s.

 

VISIT LUMICO’S NEW WEBSITE NOW!

 

UCT Application Updates

The improvements don’t end there.

UCT also upgraded the EFT process. Now only one bank customer signature is needed along with one for the PandaDoc verification process.

THP: Express Scripts and Kroger Pharmacy Changes

THP AgentNewsflash communication from 10/27/22:

Express Scripts and Kroger Pharmacy Changes

 

As you may now know, Kroger Pharmacies will NOT be participating with Express Scripts (ESI) on 1/1/2023. As a health plan who contracts with ESI, this will impact our members. We will begin notifications next week to affected members.

Click here to find the latest updates to the 2023 Pharmacy Directory. You will see that our pharmacy network (and the preferred pharmacies within) remains robust.

NOTE: (Preferred pharmacies are marked with this symbol- ‡.)

Anthem Dental Expansion Update: Liberty Dental

Anthem communication as of 10/24/22:

Provider Network Expansion – More dental providers for your Medicare clients!

A network arrangement between our existing commercial participating network of dentists and LIBERTY Dental provides an expanded network for Medicare Advantage dental products effective January 1, 2023. Note: Network expansion will not include NJ and NV.

 

CLICK HERE TO READ FULL ANNOUCEMENT 

Mutual of Omaha PDP: 2023 PDP Specialty Pricing Issue

Sourced from MOO broker communication from 10/17/2022:

Mutual of Omaha Rx℠ is committed to helping you find the right Prescription Drug Plan for your clients. We recently identified a pricing issue on specialty drugs on Plan Finder, which shows costs too low. Until the Plan Finder pricing files are updated, the mail order costs will show up incorrectly.

We are looking into the error and the Medicare.gov schedule is set and will be updated on October 24, 2022. We are working with Connecture and Sunfire to see if pricing can be updated sooner.

Pricing Issue Highlights:

• This only impacts mail order pricing
• This only impacts a subset of specialty National Drug Codes (NDCS)
• Plan Finder pricing will be updated on October 24, 2022

Clients who purchase a Mutual of Omaha Rx plan, while the pricing is incorrect will receive notification from us.

Aetna: Think Agent – New Profile & PURL Access

Sourced from Aetna/Think Agent Email Communication from 10/13/2022:

 

Introducing more tools for you this AEP!

On 10/15, we have one fantastic delivery we’d like to share with you – NEW! Profile & PURL.

For those interested, we’re delivering the following new features this AEP & including the below training to help you learn how they work!

 

Profile – You may have already found the “Profile” button in Think Agent and found it to be inactive. Well, we’ve been hard at work developing this cool new feature to share with you; and we’re excited to announce it’s ready!

  • The Profile is customizable, allows you to change and update your contact information (does not affect other Aetna sites), link social media, add a profile picture and create an ‘About Me’ description of yourself.
  • What’s especially neat is your contact information will now pre-populate in forms such as the SOA, eKit and enrollment. Test it out for yourself
  • Even more, these items will also appear on your PURL for prospects to see!

PURL – Never heard of such a thing? PURL stands for Personalized URL and it’s a unique feature of Think Agent you’re going to like!

  • The PURL comes linked to your Think Agent Profile and access is granted automatically.
  • Copy & share your PURL address on your social media, MMS flyers, business cards, etc. for prospects and clients to access.
  • From your PURL site, your Profile information will display; as well as an option for prospective Medicare clients to shop for Aetna Medicare plans in their area, or request a free quote about products in which they are interested from you!*
  • If a client shops for plans from your PURL, they may enroll themselves by choosing “Enroll Now” on a plan in their geography, and you’ll be their AOR!

 

*An email notification will be sent directly to you from communication@email.thinkagent.com only when the ‘Free Quote’ feature is used on your PURL, and the prospect has indicated they wish to learn about products where you are currently RTS (based upon state).

 

To learn more about these exciting new features of Think Agent, please see our trainings here:

 

SureBridge: Changes on Oct. 14: Taking payment at issue & New HospitalWise GI states

Coming soon, on October 14th, 2022….

Initial payment processed at time of issue, starting Oct. 14

Due to overwhelming agent demand, initial payments will be processed at the time of issue for The Chesapeake Life Insurance Company (CLICO) applications signed and submitted on October 14 and after. This will apply to all states and all CLICO products.

Why take payment at time of issue?
Processing payment at time of issue will help ensure your clients have no issues with their payment method helping to avoid delays in activating the plan on the effective date.
• Your clients can feel confident they have secured coverage with payment and will seamlessly start their plan on their effective date.
• It will allow us to pay earned commissions as soon as possible, which we know is especially important during AEP/OEP.

What if my client’s application has already been submitted?

Applications received before 8 p.m. Oct. 13 will have initial payment processed on the effective date or issue date, whichever is later.

 

What if I have clients who want initial premium taken closer to the time of their effective date?

If you are unable to help your client appreciate the benefits of applying now with initial payment taken for a future effective date, then their application will need to be submitted much closer to the desired effective date of the plan. This will allow the initial payment taken at time of issue to be nearer the plan effective date. Please be sure to communicate the payment expectation to your customers, so they are prepared for funds to be taken at time of issue (which for most products is 1-2 days after application submission).

 

Guaranteed Issue HospitalWise launching in 10 more states Oct. 14!

SureBridge is excited to announce,10 more states will soon have the SureBridge branded HospitalWise product with guaranteed issue availability!  On October 14, the guaranteed issue offerings will be available in AK, IA, ID, MT, ND, OR, SD, UT, WV, WY.  

Now your clients, especially those with Medicare Advantage or ACA Marketplace plans, can apply for supplemental hospital coverage with no underwriting*. Even better, the plan premium and agent compensation will remain unchanged. That’s right, your clients can still access our competitive rates even if they purchase the guaranteed issue version of the plan!

Quoting the new guaranteed issue option is easy.  Simply choose a base benefit and rider benefits that fall within the thresholds found in the GI column.

 

Remember, HospitalWise GI has already launched in AL, AR, AZ, CA, CO, CT, DE, FL, GA, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NV, OH, OK, PA, SC, TN, TX, WA, WI.

 

If you’ve never considered offering HospitalWise to your clients, this guaranteed issue offering presents a great opportunity to start! View this highlight sheet to see what HospitalWise has to offer.

 

If you have any questions – reach out to Michelle Kapp with CSM. 

What you need to know about the Inflation Reduction Act (IRA) – From Aetna Medicare Solutions

Sourced from Aetna’s Medicare Solutions Broker Email from 9/30/2022:

President Biden’s signing of the Inflation Reduction Act (IRA) marks the beginning of implementing many years of substantial change to the Medicare Part B and Part D programs.

The two most imminent changes, which take effect January 1, 2023, include:
• Limiting the member cost-share of covered insulins to $35
• Introducing $0 member cost-sharing on Part D vaccines

We’re updating materials to convey this information to members. Members will receive information by mail, and information will also be available in enrollment kits and on our website. In addition, we’re working to operationalize these changes by January 1, 2023, as required.

Please use the information below to help answer your clients’ questions this AEP.

 

How does the IRA impact 2023 Medicare Advantage plans (MAPD) and Prescription Drug Plans (PDP)?

It limits the member cost-share on covered insulins to $35. 

  • This means members won’t pay more than $35 for a one-month supply of each insulin product covered by their plan, no matter what cost-sharing tier it’s on, even if their plan has a deductible that hasn’t been met.
  • While some members already benefit from plans that offer $35 insulin, this legislation ensures that all seniors who use insulin benefit from this out-of-pocket cost limit.
  • Members receiving LIS will continue to pay the CMS statutory maximum cost share for insulin, which is less than $35.
  • In Florida, some 2023 Aetna MAPD plans will offer select insulins for a $0 cost share at preferred pharmacies and a $20 copay at standard pharmacies. On these plans, other covered insulins will be available for the $35 IRA copay.
  • In addition, the 2023 SmartSaver PDP (which is non-commissionable for new sales), available in all 50 states, offers covered insulin for a $10 copay at preferred pharmacies and a $20 copay at standard pharmacies.

It eliminates member costs and improves access for Part D vaccines.

Our 2023 plans will cover most Part D vaccines for a $0 cost share, even if a plan has a deductible that hasn’t been met.

 

What information will members receive?

Member materials are being updated in accordance with CMS guidance to ensure members are properly informed of the changes.

 

How will insulin and vaccine benefits be displayed on Medicare Plan Finder?

Beginning October 1, the Medicare Plan Finder site (www.medicare.gov) will reflect Part D sponsors’ insulin and vaccine benefits and cost sharing as they were submitted in their 2023 bid and formulary submissions, prior to IRA being enacted. However, new insulin and vaccine drug footnotes and other help features will be displayed to explain the benefit changes resulting from the IRA.

Because of this, CMS is granting a Special Enrollment Period (SEP) for Exceptional Circumstances to allow beneficiaries to add, drop, or change their Part D coverage if they find a better option after the 2022 Annual Enrollment Period (AEP) and through the end of 2023. This SEP will be available for all beneficiaries who use a covered insulin product and begins on December 8th, 2022, and ends on December 31, 2023. Beneficiaries may use this SEP one time during this period. To utilize this SEP, beneficiaries must call 1-800-MEDICARE so a customer service representative can process the enrollment change; they cannot use a broker for this SEP. Consistent with current policy, when Part D enrollees change plans mid-year, their True Out-of-Pocket (TrOOP) costs carry over from one plan to the next.

What’s coming in 2024?

Additional IRA requirements that will be implemented in 2024 include:
• $0 cost sharing in the catastrophic phase for Part D
• Expansion of the low-income subsidy eligibility to 150% of the federal poverty line

 

What additional impacts will IRA have in the future? 

Additional IRA requirements will be implemented annually through 2029. We’ll share more information as we approach those implementation dates.

The HealthPlan Network Update: Cleveland Clinic Foundation Facilities In Network

Sourced from THP Agent Newsflash Email from 10/6/22: 

 

The Health Plan is pleased to announce a change regarding Cleveland Clinic Foundation.

Effective 1/1/2023, all contracted CCF facilities are in network for both SecureCare HMO and SecureChoice PPO.
(Previously listed as Tertiary-only for HMO).

We are in the process of updating our online provider search and directories to reflect this change.

 

If you have any questions – reach out to your CSM representative!