CSM Tech Tip | Scam of the Week: Email Impersonation Attacks on the Rise

Technology Tip – Scam of the Week: Email Impersonation Attacks on the Rise

Stay alert! The bad guys are now using CEO fraud and Business Email Compromise attacks more than ever.

These attacks take place when the bad guys impersonate executives within your organization via email and ask you to transfer them a large sum of money. They’re trying to manipulate you – don’t fall for it!

Instead, make sure that any request for a money transfer comes from the right person! Grab the phone and give them a call to verify that the request is legitimate. Better yet, communicate with them face-to-face about the request. They’ll thank you later!

 

Let’s stay safe out there!

NAHU: BENES Act Passes

Announcement from NAHU from 12/23/20: 

BENES Act Passes Congress

 

NAHU has advocated for passage of the BENES Act and we are pleased to let you know it was included in the final package passed by the Senate early Tuesday morning. We believe its provisions will help your clients who are transitioning to Medicare and those who may need an SEP:

  • The Coverage Gap Closure. The bill eliminates the up to seven-month-long wait for coverage that people can experience when they sign up for Medicare during the General Enrollment Period or in the later months of their Initial Enrollment Period. Beginning in 2023, Medicare coverage will begin the month after enrollment.
  • The “Exceptional Circumstances” SEP. It reduces barriers to care by expanding Medicare’s authority to grant a Special Enrollment Period for “exceptional circumstances.” A long-standing flexibility within Medicare Advantage and Part D, in 2023 this critical tool will be available to facilitate enrollments program-wide, enhancing beneficiary access and administrative consistency.
  • The Enrollment Alignment Study. To further maximize coverage continuity and ease transitions to Medicare, the bill directs HHS to identify ways to align Medicare’s annual enrollment periods. HHS is to present these findings in a report to Congress by January 1, 2023.

Humana MP: Important Update Regarding Plan Changes

2020 Compliance Communication

Before AEP, we communicated that Humana will no longer accept plan change requests through the Agent Statement of Enrollment Correction (ASEC) form from an agent. Now is a good time to conduct a review of the enrollment applications you have submitted in AEP to ensure they have processed and the member is enrolled in the right plan. If you find a member who was mistakenly enrolled in the wrong Contract/PBP, you will need to obtain a new application prior to December 7 in order to use AEP to correct the member’s enrollment for a January 1, 2021 effective date.

Keep in mind that members must have a valid election code at the time the new enrollment application is being submitted. If you catch the error on December 8, for example, you will no longer be able to submit a new application using AEP to correct the plan type and will need to see if they are eligible for another election period. If they do not have another valid election period, you will need to advise them of their next opportunity to enroll in a plan.

Please ensure you are reviewing every application carefully prior to submitting to ensure you have the correct Contract/PBP and Plan Type Bubble selected.

Please note: The ASEC form may still be used for election type code, effective date, and demographic changes.

Questions? Please reach out to your Cornerstone Senior Marketing Representative.

We’re here to help!

614-763-2255
email: service@cornerstoneseniormarketing.com

Not contracted with Humana? Reach out to your Cornerstone Senior Marketing Sales representative to get appointed!

TECH TIP: Scam of the Week: Email Impersonation Attacks on the Rise

Technology Tip – Scam of the Week: Email Impersonation Attacks on the Rise

Stay alert! The bad guys are now using CEO fraud and Business Email Compromise attacks more than ever.

These attacks take place when the bad guys impersonate executives within your organization via email and ask you to transfer them a large sum of money. They’re trying to manipulate you – don’t fall for it!

Instead, make sure that any request for a money transfer comes from the right person! Grab the phone and give them a call to verify that the request is legitimate. Better yet, communicate with them face-to-face about the request. They’ll thank you later!

 

Let’s stay safe out there!

IMPORTANT UPDATE: MedicareAPP Scope of Appointment

New in 2021: MedicareAPP can be used to capture electronic Scope of Appointments (SOA’s) for 2021.  This year you brokers have the option to either Text or Email the SOA to their clients.

Important: After an SOA is submitted by the beneficiary the broker must acknowledge the SOA disclosure statement and electronically sign the form in order for the SOA to be deemed successfully completed in the system.

*VIEW THE MEDICAREAPP SOA PROCESS GUIDE FOR MORE INFORMATION*

CSM Tech Tip: Email Body Red Flags

Technology Tip – Social Engineering Red Flag: ​Email Body

The prevalence of phishing scams is at an all-time high. Because you are the key to preventing a cyberattack within your organization, it is important to question the legitimacy of every email you receive. Below is a list of questions to ask yourself ​about the content and body of the email ​that may help you realize that you are being phished.

​​Review the content of the email.

  • ​​Is the sender asking me to click on a link or open an attachment to avoid a negative consequence, or to gain something of value?
  • Is the email out of the ordinary, or does it have bad grammar or spelling errors?
  • Is the sender asking me to click a link or open up an attachment that seems odd or illogical?
  • Do I have an uncomfortable gut feeling about the sender’s request to open an attachment or click a link?
  • Is the email asking me to look at a compromising or embarrassing picture of myself or someone I know?

If you notice anything about the email that alarms you, do not click links, open attachments, or reply. You are the last line of defense to prevent cyber criminals from succeeding and making you or your company susceptible to phishing attacks.

Let’s stay safe out there!

Tech Tip: WiFi vs. VPN

Technology Tip – WiFi? Why Not? VPN is your friend

 

Using free public WiFi at a coffee shop or airport hot spot is great for convenience, but bad for security.
Most free access points do not make use of encryption. This is done for convenience and ease of access. If every person had to ask the barista or gate attendant for the WiFi key, it would get unruly, and no actual work would get done.
Keep in mind that you are sharing those wireless airwaves with anyone that is within range of your wireless communications.

There is technology out there that allows you to view the wireless computer communications that are within range of your device.
To the bad guys, this technology lets them see what you are doing, the data you are passing to websites, and your usernames and passwords.

UNLESS

  • You are on websites with ‘https’ … the little S is for secure. Its like speaking a language that only two people can understand (your computer, and the website).
  • You are using VPN software to encrypt all your wireless communications
  • You are using a wireless device from your cellular phone provider, 3G or 4G network access… This is not WiFi, and is not subject to WiFi Security Policies

Using a VPN client to encrypt and route your wireless communications allows you to create a secure channel for your computer to communicate.
Even if you are accessing a website without HTTPS, your communication to that website is secured through your VPN connection. If there are any bad guys around you listening in on your wifi traffic, it will be safe.

VPN stands for Virtual Private Network. It is good practice to use a VPN when in a public networking spot such as wifi hot spots. This will create a virtual tunnel for your computer to communicate securely through the public network.

Before traveling for work, consult with your IT department about their data security policies when on the road, how to setup your VPN connection (if your company has VPN access), or how to obtain a 3G/4G cellular network card.

 

Let’s stay safe out there!

CSM AGENT COMPLIANCE GUIDES

Cornerstone Senior Marketing Agent Compliance Guide

Best Practices in Medicare Compliance (2020):  Access the Guide

Agent Medicare Marketing Guidelines:  Access the Guide

Agent Life Annuity Marketing Guides:  Access the Guide

 

Aetna’s Remote Selling Tools & Resources

AETNA PDF ENROLLMENT KITS (AND APPLICATIONS) NOW AVAILABLE FOR DOWNLOAD:

Aetna has made their entire enrollment kit available for agents to download, which also includes a PDF version of the enrollment application.

Agents can find the PDF kits in the broker ordering module (access from Producer World, like normal). Same process as ordering kits, but there’s a link to view the kit, which is now a PDF that can be downloaded.

 

REMOTE SELLING TOOLS PDF

2020 PHONE FROM HOME TELEPHONIC OPTION PDF

Humana’s SEP Notice for Individuals affected by COVID-19

2020 Compliance Communication: SEP Notice for Individuals Affected by Covid-19

CMS has officially announced an SEP is available for individuals affected by Covid-19. This SEP is available nationwide to residents of all states, tribes, territories, and the District of Columbia. The SEP can be used until June 30, 2020 under the following circumstances.

Who qualifies for this special enrollment period?

A SEP exists for individuals affected by a major disaster who were unable to, and did not make an election during another valid election period. This includes both enrollment and disenrollment elections. Individuals will be considered “affected” and eligible for this SEP if they:

  • Reside, or resided at the start of the incident period, in an area for which FEMA has declared an emergency or a major disaster and has designated affected counties as eligible to apply for individual or public level assistance; and
  • Had another valid election period at the time of the incident period; and
  • Did not make an election during that other valid election period.

In addition, the SEP is available to those individuals who don’t live in the affected areas but rely on help making healthcare decisions from friends or family members who live in the affected areas.

Nationwide Covid-19 SEP – SEP Start Date March 1, 2020

SEP End Date – June 30, 2020

What Does This Mean to Agents

If an individual wants to enroll and believes they may qualify for this SEP, agents should:

  • Confirm that they had another election period available during the time of the incident period.
  • Once eligibility has been verified, use election code SEP DST on the application.

Enrollments made pursuant to this SEP are effective the first of the month following the receipt of the enrollment request. For enrollment requests where more than one enrollment effective date is possible, agents will need to determine the applicant’s desired effective date.

The Disaster SEP should never be used as a marketing tool to promote MA or PDP sales. Agents should not be actively marketing this SEP, but rather, should be aware that it is available in case they are approached by someone who believes they have missed an election period due to the incident.