Good News! Wellcare Worbench Addition: Policy ID & Commission Statements

Sourced from Wellcare Broker Bulletin communication from 6/28/22:

 

To ensure we continue to provide you with tools and resources to aid in your success, we will be evolving Centene Workbench on an ongoing / as-needed basis.

We are excited to announce that Centene ID (formerly known as Policy ID/Sub ID) has been added to different areas of the portal – please review the breakdown below.

  • Centene ID” has been added at the end of the Book of Business, Payment History, and Commissions Statement (where applicable) extracts.
  • The MBI search option field has been updated to “MBI / Centene ID” enabling search functionality for either ID.

 

If you have any questions, please reach out to your CSM Service Rep.

June 2022 Compliance Corner: 2023 Certification Season – Are you Ready-To-Sell?

Becoming Ready to Sell for 2023

In order to be eligible to sell Medicare Advantage and Prescription Drug Plans each year, agents are required to go through annual certification!

These educational requirements are just starting with many carriers set to release their certifications these coming weeks!

  1. First thing you need to do is make sure you are Health Insurance licensed in the state in which you intend to sell.
    1. For more information on becoming licensed, please visit your resident’s state department of insurance
  2. Second thing you need to do is make sure you are appointed with the carriers you wish to represent
    1. Cornerstone Senior Marketing offers a wide variety of carriers in multiple markets. A full list can be found on our website www.cornerstoneseniormarketing.com
    2. Be sure to reach out your local sales rep or email us at [email protected] to request a new carrier appointment
  3. Next you will need to complete the 2023 Medicare and Fraud, Waste, and Abuse training.
    1. There are multiple ways to complete this training:
      1. The most popular is America’s Health Insurance Plans (AHIP)
      2. National Association of Health Underwriters (NAHU) also offers a way to complete this annual training
      3. You only have to do this once and Cornerstone Senior Marketing recommends checking with the carriers you are appointed with to determine which training will meet their requirements.

IMPORTANT!: If you are completing your training through AHIP, we recommend you access this training through a carrier’s certification. Most carriers will offer a $50 AHIP discount by certifying through their portals.

 

4. Next you will need to complete all of your carrier MA/MAPD/PDP specific 2023 trainings

  • Each carrier has their own certification process
  • Links to carrier certifications, guides, and tips can all be found on our website. Simply go to www.cornerstoneseniormarketing.com click on resources then click on 2023 Medicare Certification

 

After you complete your carrier certifications, keep an eye out for communication from the carrier letting you know that you are 2023 Ready to Sell!

If you become RTS early, most carriers will also open a pre-ordering window for you to obtain Plan Year 2023 supplies sent to your place of business!

 

Accessing Resources

Effective Immediately- Wellcare Paper Application Update – PLEASE READ!

Important Update: Wellcare Broker PID Discontinued

IMMEDIATE ACTION FOR WELLCARE PAPER APPLICATION SUBMISSIONS

 

Effective immediately, Wellcare is requesting when submitting paper enrollment applications to please discontinue the use of the 6-digit Wellcare PID. Use ONLY your NPN on the application.

IMPORTANT!   Failure to use your NPN will result in you not receiving credit for the enrollment. 

 

If you have any questions, please reach out to your CSM Service Team.

[email protected]

614-763-2255

Lumico News: Upcoming Lumico Med Supp rate adjustment on 8/1

Upcoming rate adjustment for Med Supp

Effective August 1, there will a rate adjustment for our Med Supp policies in select states.

  • For policies underwritten by Lumico Life Insurance Company: AZ, GA, LA, MI, MN, MT, OH, SC and TX.*
  • For policies underwritten by Elips Life Insurance Company: AR, AZ, DE, GA, IA, IL, LA, MI, NC, NE, OH, OK, SD, TX and UT.

There will be a 30 day cut-off period for applications written in these states, from 7/1 – 7/31/22:

  • Applications signed and received on or after 7/1, with a requested effective date on or after 8/1, will be subject to the new rate.
  • Applications signed and received on or before 6/30, with a requested effective date on or after 8/1, will receive the current rate.
  • Applications requesting an effective date prior to 8/1 will also continue to receive the current rate.

 

If you have any questions, please reach out to Michelle Kapp

CMS 2023 Agent Broker Compensation Guidelines

CMS has released the 2023 Agent Broker Compensation Guidelines that govern the maximum allowable first year and renewal compensation for agent level MA and PDP commissions. There is a significant increase in compensation for 2023.

 

 

These new rates reflect, roughly, a 4.9% increase in both initial and renewal compensation for MA and Cost Plans. Puerto Rico and the US Virgin Islands have an increase closer to 4.3%.  For PDPs, there is a 5.7% bump on initial and 4.5% bump on renewal commissions.  CMS also reaffirmed the standard referral fee limitations for MA/PDP plans at $100/$25, respectively.

 

Plan sponsors were reminded that compensation schedules must be submitted by 11:59 pm ET, July 20, 2022.

 

CMS also reminded plan sponsors of their obligation to ensure agents and brokers selling Medicare products are trained annually on Medicare A, B, C, and D, as well as on plan-specific information.  CMS annually publishes the testing and training requirements, including a sample test each year for guidance.

 

If you have questions about what these compensation changes mean for you, please reach out to your team at Cornerstone Senior Marketing.

Anthem Ohio Medicare Update – Sydney Health and PHE Guidance

In This Week’s Updates:

  • Sydney Health Member Flier
  • PHE – Guidance and Clarification

 

Sydney Health Member Flier

Medicare Advantage members can access their benefits easily on their mobile device by downloading and registering on the Sydney Health app. The app is free and can be downloaded anytime from the Google Play or Apple App store.

NEW!  A member flier is now available to provide to your Medicare Advantage members! PLEASE CLICK HERE TO DOWNLOAD! 

How can the Sydney Health app help Medicare Advantage members?

  • Provides quick access to their health plan information, including a digital version of their member ID card.
  • Helps members easily track claims and confirm benefit coverage.
  • Members can search and locate in-network doctors.
  • Members can even request a new prescription or refill an existing prescription.

Quick Tip: If a member has already registered online by creating a username and password on the online portal website, there is no need to register again on the Sydney Health app. Members will use the same username and password on the app.

Encourage your Medicare Advantage members to download the Sydney Health app by sharing the member flier with them!

 

 

PHE Guidance and Clarification

According to our CMS Account Management team a few weeks ago, there is no valid SEP in place related to the COVID PHE (last renewed 4/15/2022). We were also informed at that time CMS has been reviewing/investigating carriers releasing information; however, we have no ETA on resolution (i.e. retraction).

New Updates for The Health Plan Agents

THP Broker communication from 5/27/22:

The Health Plan has three important updates for our agents!

  1. Those of you taking advantage of our Health Risk Assessment (HRA) surveys for new MA enrollments are reminded to send them to THP in a secure fashion.
  2. After June 1st all HRA surveys must be submitted within 3 days of THP receiving the member’s enrollment form.
  3. Anyone moving a THP Medigap member from a higher to a lower benefit plan, (ex: Plan F to G); please use the updated form available here. These changes are no longer limited to once per year at renewal.

 

If you have any questions please reach out to your CSM Sales or Service Rep.

UHC: Changes coming for AARP Medicare Supplement Plan applications

Application changes are coming soon and may make the enrollment outcome more understandable for AARP® Medicare Supplement Insurance Plans from UnitedHealthcare® in:

Alabama, Arkansas, Iowa, Kansas, Kentucky, Louisiana, Maryland, Mississippi, Missouri, New Jersey, New Mexico, Ohio, Oklahoma, Tennessee, Utah, Virginia, Wisconsin, Wyoming.

For states with kits not yet available, please refer to the new rate pages on Jarvis or populated in LEAN™ when using the current kit.To find rate pages on Jarvis, go to  Knowledge Center > Product Overview > Medicare Supplement Plans > Rates & Underwriting and select a state from the drop down menu.

Get Ready for What’s Next

·         DO use LEAN for enrollments

o    Enrolling clients with LEAN means always having the correct application, plus less hassle managing Enrollment Kits

·         DO watch your email closely

o    Read emails to know when the new application will be implemented and new Enrollment Kits are available

·         DO NOT order large amounts of Enrollment Kits

o    Save the hassle of managing outdated kits you cannot use, as application changes are coming soon to Enrollment Kits in the impacted states

SureBridge: Benefit Change Option for Existing DVH Product

Sourced from SureBridge communication on 5/24/22:

We recently communicated about price adjustments on the SureBridge Prime DVH product for new business and in force policies with customers receiving an increase at 6 months in some states (AK, ALAZ, CA, CT, DC, GA, ID, IL, KS, KY, ME, MI, MN, MO, ND, NE, NV, OH, OK, PA, SC, TX, UT, VA, WI, WV, and WY).

Understanding some budgets may not allow for a rate increase, we are offering an option that may help. Customers who have been impacted by the 6-month rate increase and would like to lower their benefit level to make the premium more affordable, can contact Customer Service directly at 800-815-8535 or contact their agent to have the change made on their behalf.  We are allowing waiting period credits, accumulators, etc. to remain as they are at their current level with the move to a lower benefit. Those who received a 12-month rate increase notice already have the option to move to a lower benefit level.

Please note:

  • This change is only allowed within the existing DVH policy and does not allow customers to move to a standalone dental or vision.
  • A customer that exercises this option with their DVH policy does not trigger a new first year commission period or a commission advance.

CY 2023 Medicare Advantage and Part D Final Rule (CMS-4192-F)

CMS FACT SHEET: CMS is issuing a final rule that advances CMS’ strategic vision of expanding access to affordable health care and improving health equity in Medicare Advantage (MA) and Part D through lower out-of-pocket prescription drug costs and improved consumer protections.
An increasing number of Medicare beneficiaries receive services through MA and Part D plans. Over 27 million beneficiaries are enrolled in MA plans (including plans that offer Part D prescription drug coverage), and approximately 24 million beneficiaries are enrolled in standalone Part D plans. Additionally, an increasing number of beneficiaries who are dually eligible for both Medicare and Medicaid are enrolled in MA plans, Medicaid managed care, or both. About 4.1 million dually eligible beneficiaries currently receive their Medicare services through MA dual eligible special needs plans (D-SNPs).
The final rule revises the MA and Part D regulations related to marketing and communications; the criteria used to review applications for new or expanded MA and Part D plans, including compliance with MA provider network adequacy requirements; quality ratings for MA and Part D plans; medical loss ratio reporting; special requirements during disasters or public emergencies; how MA organizations calculate attainment of the maximum out-of-pocket (MOOP) limit for Parts A and B services; and the use of pharmacy price concessions to reduce beneficiary out of pocket costs for prescription drugs under Part D. This final rule also revises regulations for D-SNPs, and in some cases, other special needs plans, related to enrollee advisory committees, health risk assessments, and ways to improve integration of Medicare and Medicaid. Many finalized policies are based on lessons learned from the Medicare-Medicaid Financial Alignment Initiative.