SECURITY HINTS & TIPS:

AEP Ends Tuesday December 7, 2021

 

Important information about the last days of AEP and submitting enrollment apps.

The following tips will help ensure your hard work this AEP pays off and your applications are processed correctly, including those submitted on Tuesday, December 7, 2021!

1. AEP application submission deadline: ALL applications must be submitted no later than 11:59 pm on December 7.

2. Date the application. It’s important to include a date on every enrollment application. Applications without a date, received after December 7, 2021, are assigned the date the application was received by the carrier, which can invalidate apps received after AEP ends. Apps that you receive on December 7 must be submitted to the carrier, dated December 7.

 

3. Faxing Applications:  If faxing the application, remember to keep a copy of your successful fax transmittal as confirmation of submission.

 

4.  Application Submission Guide:  Click the link below to download the most up to date application enrollment submission process, by carrier.

 

DOWNLOAD THE SUBMITTING APPLICATIONS DOCUMENT HERE

 

GENERAL 2022 AEP TIPS & GUIDANCE

Most apps now are plan specific. Be sure the check that the app matches the plan requested.

Invalid Medicare ID number. It’s best to always see a copy of the clients Medicare card to insure the current number is on the app.

Missing signatures or signature dates
Always make sure you and the applicant sign and date the application. Remember, you should not sign and date the application until it is in your possession.

Double check that all signature fields are completed and the dates are correct. We frequently see a date of birth or effective date listed as a signature date!

Missing or Invalid Writing Numbers
This is very important as this is how you are paid! In cases when the incorrect writing number is listed on the application the carrier will drop the policy as a house account until a correction is processed.

Invalid Election Period
Be sure to check or write in the AEP election on the application that requires the election to be entered. The carrier won’t assume the AEP election.

While most elections will be marked AEP this time of year, it’s still important to make sure you are using the correct election period for age-ins or other special circumstances.

Missing Effective Date
Be sure to enter the effective date in regardless if it is AEP. We have seen apps pend for not entering the effective date.

While not all carriers require electronic enrollments, many prefer this method.

 

 

NEED HELP? WE’RE HERE FOR YOU!

For more information or questions please contact us

614-763-2255 

email:  service@cornerstoneseniormarketing.com

 

 

 

Article and data sourced from Becker’s Healthcare/Hospital Review from 11/18/21:

 

About halfway through 2021’s open enrollment period, 88 percent of Medicare Advantage plans purchased on marketplaces have $0 premiums, according to a Nov. 18 survey from eHealth.

Over 4,200 Medicare beneficiaries’ responses came out of the survey, which targeted eHealth users who had previously purchased a Medicare plan.

Here are seven takeaways from the survey:

1. The number of people purchasing plans with $0 premiums is substantially higher than the number of Medicare Advantage plans for 2022 that offer $0 premiums, which is 59 percent.

2. The average premium for Medicare Advantage plans purchased this open enrollment period is $4, which is down from $5 in 2021 and 2020, and $10 in 2019.

3. Medicare Part D average premiums are $21, up $1 from 2020 and 2021, but down from 2019’s average of $23.

4. Medicare Supplement plans had the largest increase in average premiums so far this year, sitting at $172. This is up from $160 in 2021, $157 in 2020 and $146 in 2019.

5. The survey found that while Medicare Advantage and Medicare Part D premiums haven’t changed much since last year, Medicare Supplement plan premiums have gone up 8 percent.

6. Medicare Advantage and Medicare Supplement members have different priorities when it comes to cost. Medicare Advantage members reported out-of-pocket costs as a top concern, while Medicare Supplement members cited low premiums as a priority.

7. The survey found overwhelming support (92 percent) for expanded Medicare dental, hearing and vision benefits, but that support dropped to 50 percent if coverage costs increased.

 

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Sourced from CSG Communication from 11/15/21:

Humana is the newest carrier available on our Dental E-Application!

Humana Dental Plans available on E-App include Bright Plus, Loyalty Plus and Preventive Plus. The plans we have available for enrollment are age rated, meaning premium is calculated by individual based on the age band they fall into. Humana has tier rated dental plans that we do NOT have available yet. It’s in the works, but do not have an ETA on this.

Agents will validate their appointment using their Humana agent number, which Humana refers to as a SAN.

The Humana Dental E-App is available on MedicareCENTER.

Cross-sell, cross-sell, cross-sell!!!!! Agents can use the CSG Shopping Cart to cross-sell and enroll a Med Supp plan with a Humana dental plan. For example, an Accendo or UHC Med Supp with a Humana dental plan can be taken in ONE application process! Client shopping cart training video is available here – https://www.csgactuarial.com/software/market-advisor/e-applications-tutorials/

 

If you have any questions, please contact your CSM rep.