SureBridge Live Webinar | Dec 17

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SureBridge introduces ‘Are You Ready For 2020?’, a live national webinar for Cornerstone brokers!

Seth Groff, Sales Director for SureBridge, is presenting this live webinar and will discuss:

  • Incorporating supplemental insurance into your clients’ New Years resolutions
  • Differentiating oneself during the Holiday Season
  • Reflection, goal-setting, and business planning tips

WHEN: TUES. DECEMBER 17

TIME: 11 AM CST

REGISTER HERE

The Open Enrollment Period for 2020 might end December 15th, but that doesn’t mean your supplemental sales have to! Seth will share some ideas that will help you finish December strong and start the New Year with a BANG!

 

If you have any questions or would like to get contracted with SureBridge, please reach out to Michelle Kapp.

Sell Throughout The Year With Anthem!

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Anthem’s Medicare Supplements and the new PDP plans for 2020 with Ingenio RX provide opportunities to continue to sell throughout the remainder of December and into the new year. Following below are key selling points of Anthem’s supplement plans and new PDP plans:

 

Medicare Supplement:

  1. Discounts up to $48 per year for EFT or annual payment.
  2. Household discount of 5% available.
  3. 21% commission for years 1-6.
  4. Aggressive bonus program, increasing for 2020.
    1. 3-4 sales $150 extra per application
    2. 5-9 sales $200 extra per application
    3. 10+ sales $250 extra per application (no cap)
  5. Will continue to provide full  Silver Sneakers program.
  6. Great brand recognition, stable and realistically priced.  No aging increase at renewal for members who are 81+.

 

Ingenio RX-Replacing Express Scripts for 2020:

  1. Improves affordability for our members.
  2. Provides a more seamless member experience.  Anthem will leverage our provider relationships to ensure confident, informed decision making which will lead to better health for your members.
  3. Simplified, consistent, and coordinated experience for the member.
  4. Will help in keeping MAPD benefits consistent by driving total costs down.
  5. 24/7 pharmacy access via toll free number on the back of their membership card.
  6. Electronic Prior Authorizations.
  7. Active mail-order and specialty scripts will automatically transfer 1/1/2020. Member’s will need to update their financial information.  Anthem is not legally able to transfer this information. Communications will go out to members.
  8. Stand-alone PDP products offered as low as $18.90 monthly.  Lowering the premiums on existing PDP products offered.

 

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

Mutual of Omaha Updates

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Reminder to recertify for MA and PDP to assure you receive your renewal commissions.

View details

UHC Update – Former AARP Medicare Supplement members

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For your immediate attention

In late September, UHC notified of an exclusive offer for select former AARP Medicare Supplement members to return to the plan without being underwritten.

Effective immediately, this offer has been discontinued for any applications received beginning December 5, 2019 for consumers residing in the state of Ohio. Former members can still enroll into an AARP Medicare Supplement Plan to take advantage of beneficial services with At Your Best by UnitedHealthcare™ and receive the improved Enrollment Discount (if eligible); however, they will likely be subject to underwriting, unless they qualify for a Guaranteed Acceptance situation.

General Enrollment Periods

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General Enrollment Periods

INITIAL ENROLLMENT PERIOD (IEP)

The seven-month period when individuals are first eligible for Medicare. It is the three months before they turn 65, their birth month, and the three months following their birth month.

PART B GENERAL ENROLLMENT PERIOD (GEP)

If initial enrollment is missed, eligible Medicare beneficiaries can sign up for Medicare Part B between January 1 and March 31 each year.

OPEN ENROLLMENT PERIOD (OEP)

October 15 – December 7 each year.  During this time, Medicare beneficiaries can switch from Original Medicare to a Medicare Advantage plan (with or without Part D included), enroll in a Part D plan, disenroll from Part D, or switch Part D plans.

MEDICARE ADVANTAGE DISENROLLMENT PERIOD (MADP)

January 1 – February 14 each year. Medicare beneficiaries can leave their Medicare Advantage plan and return to Original Medicare and enroll in a stand-alone Part D plan.

ACCESS GENERAL ENROLLMENT PERIODS DOCUMENT

ACCESS MEDICARE GENERAL ENROLLMENT PERIODS FOR CLIENTS

Medical Mutual of Ohio December Updates

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  • MMO’s 2020 Medicare Supplement rates have been approved. Quoting and enrollment are now available. Click here to view the rate sheet. Please note, effective Jan. 1, 2020, members’ rates will be based on age and gender.
  • The new 2020 Medicare amounts have been released and MMO has updated their Outline of Coverage. To view update Medicare Supplement documents, follow the steps below:
    • Go to MyBrokerLink and log in.
    • Click on the Producer’s Guide tab and select Medicare Supplement.
  • As a reminder, current members will renew at the new business rates. Members will not receive a renewal notification until their anniversary month. The renewal will include any rate updates in coordination with the member’s gender and age. Effective Jan. 1, 2020, Medicare Supplement plans C, F and High-Deductible F will no longer be available for sale to members newly eligible for Medicare.
    • Newly eligible members are defined as individuals who turn 65 years old on or after Jan. 1, 2020, or anyone who first becomes eligible for Medicare benefits due to age, disability, or end-stage renal disease, as defined by the Centers for Medicare & Medicaid Services (CMS), on or after Jan. 1, 2020.
    • Applicants eligible for Medicare prior to Jan. 1, 2020, will be allowed to purchase plans C, F, or High-Deductible F.
  • Dedicated Senior Medical Centers in Central Ohio has been added to the Medicare Advantage HMO network. These centers are designed specifically for seniors, providing easier access to care.
  • Effective Jan. 1, 2020, Licking Memorial Hospital and its physicians are part of Medical Mutual’s Medicare Advantage provider network.
  • Effective Jan. 1, 2020, the Physician’s Group of Southeastern Ohio (PGSEO) and Canyon Medical Center physicians will no longer be part of Medical Mutual’s Medicare Advantage provider network.
Topic: ACA, Medicare Supplement, Medicare Advantage Open Enrollment Overview and other Reminders
Date & Time: Tuesday, December 10, 10 – 11 a.m.
Click Here to Join the Meeting
Meeting number (access code): 924 904 056

AEP Last Day Reminders From Your CSM Team

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  • All AEP applications must be completed, signed by the member and agent, and received by the agent before end of day, Saturday, December 7, 2019.
  • All applications must be submitted directly to the carrier.  Review the Submitting Applications document (below) for the carrier fax numbers and contact information.
  • We’re here to help!  Reach out to us with policy questions or concerns all day, Friday December 6th.
  • The Cornerstone Senior Marketing offices will be closed on the last day of AEP this year, Saturday, December 7th.  However, if you encounter an extreme situation on the last day of AEP and need our assistance, we are available!

 

ON DECEMBER 7, 2019 Please call 614-763-2247

 

SUBMITTING APPLICATIONS DOCUMENT

 

Mutual of Omaha Weekly Update

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Broker update for the week of December 3, 2019 includes a feature entitled Understanding Rapid Disenrollment’s and Special Enrollment Periods, the end of the year pay schedule, and more.

Mutual of Omaha Express

AETNA PART D COST SHARE ON Rx FOR DSNP

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DSNP – Covered Services and Benefits – Pharmacy Coverage

AETNA DSNP COST SHARE

AETNA – DSNP Member Level Service Instructions by Eligiblity Category

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A members Medicaid eligibility level will determine one’s benefits, cost share and overall service experience.

DSNP Service Talk Tracks By Medicaid Elig Cat