2018 Certification: Humana MAPD

2018 certification Humana2018 Humana Certification

Ready to jump head-first into your Medicare Advantage certifications?  

Humana has announced the release of their upcoming Medicare Advantage/PDP 2018 certification.  When that date is depends on if you are certifying with Humana for the first time, or if you’re a returning agent.  Humana has closed their 2017 certification on June 16th.  Click the button below to access the 2018 certification after it goes live.

Don’t wait to finish your 2018 certifications until the last moment!  By the time September rolls around you should be finalizing your MAPS Marketing Plan for the Annual Enrollment Period.  Click Here for the latest information on Medicare Advantage certifications as they’re released! Check out this article from RBI Sales Coordinator, Jim Gramp AKA the Medi-Gramp, to see how he prepares for AEP.

2018 certification for newly contracted agents will launch on July 11th.

2018 certification for returning agents will launch on July 18th.

After you have login to Humana’s agent portal, click on the “Humana MarketPoint University” button under the “Education” header that is pictured below (middle of the screen, towards the bottom).

2018 certification Humana

Upcoming Webinar Wednesday’s:2018 certification

June 14th @ 12pm EST – Join Director of Marketing, Justin Bever, to Eliminate the Stress, Fear, and Anxiety of AEP and Certification Planning.

June 21st @12pm EST – Join National Sales Manager, Charlie Ferrell, and learn how you can Ace the AHIP on your FIRST attempt while saving $50!

Looking to take your Medicare business to new heights?  Give us a call today to learn about how RB Insurance Group will make it happen for you!  1-800-997-3107

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Aetna certification

The Latest: 2019 Medicare Advantage Certifications

 2022 Medicare Advantage Certifications

It’s that time of year again, folks! Time to dust off the keyboard, brew a strong pot of coffee, and plow through the annual Medicare Advantage Certification training! As dull and monotonous as it can be, certifications are critical part of keeping up to speed on the most recent plan and policy changes. (Also, you won’t get paid if you don’t complete them!)

Every MA carrier likes to do things a little bit differently, so in an effort to make your life a little easier, we’ve rounded up the most current information available to us. Check back frequently, we will continue to update as more plans release their 2022 certifications!

Medicare Advantage Certifications by Plan

Click on a Carrier or Scroll Down

Aetna  | AllWell | Amerigroup | AnthemBright Health |  Cigna Healthspring  |  Gateway  |  Humana | SilverScript | United Healthcare  |  WellCare


2022 Aetna Certification

Product Training: Released June 29th, 2021

 Click Here for Aetna’s Certification site

Compliance Training:

Carrier Support:

1-866-714-9301


2022 AllWell Certification

Product Training: Available July 7th, 2021

Click here to access AllWell’s Certification portal


2022 Amerigroup Certification

Available in: NJ, NM, TN, TX, WA

Product Training: Released June 30th, 2021

Click Here to access Amerigroup’s certification portal

Compliance Training:

Carrier Support:

1-800-633-4368


2022 Anthem Certification

Avialable in: CA, CO. CT, GA, IN, KY, ME, MO, NV, NH, NY, OH, VA, WI

Product Training: Released June 30th, 2021

Click Here to access Anthem’s certification portal

Carrier Support:

1-800-633-4368


2021 Bright Health Certification

Product Training:

Click here for certification login

Compliance Training: 

Carrier Support: 

1-888-325-1747


2022 Cigna HealthSpring Certification

Cigna HealthSpring Medicare Advantage Certifications

Product Training: 2022 certification TBA

Cigna’s training site

Compliance Training:

Carrier Support:

1-800-973-9183 opt 2


2022 Gateway Certification

Product Training:

TBD

You should receive instructions from Gateway.

We will update all agents as soon as we receive the new contracting and certification information from Gateway.

Target Certification Release Date is August.

If you receive an error or do not receive the email, please contact agent support

Click here for instructions

Compliance Training:

Carrier Support:

1-888-871-0417


2022 Humana Certification

Product Training: Released June 29th, 2021

 Humana Broker Portal

Compliance Training:

Carrier Support:

1-800-309-3163


2022 United Certification

Product Training: Released June 28th, 2021

 United Health Producer Portal

Compliance Training:

Carrier Support:

Producer Help Desk: 1-888–381–8581


2022 WellCare Certification

Product Training: Available July 7th, 2021

All agents should have received an email with Username and password

Compliance Training:

 WellCare Certification Portal

Carrier Support:

Wellcare Producer Contacts

United Healthcare 2018 Certification

RBI Senior Sales Coordinator/Independent Agent: James Gramp

With his signature common sense, quiet good humor, and brilliant customer service, Jim is the other half of the RBI phone answering dynamic duo! An Arizona native, Jim manages agent relationships for the East Coast and specializes in the RBI agent tools, especially the Agent Market Edge. Jim has been a licensed health insurance agent for over a year, and has worked at RBI for 2 years. An accomplished bassoonist, he is known around the office for his amazing musical skills. In addition to keeping busy around the office, Jim frequently contributes to our blog, bringing a new agent’s perspective to the RBI online presence.

United Healthcare 2018 Certification

Last year we created a super handy master certifications page on our blog so that agents could easily access all of their certification portals from one spot.  Fear not!  As we draw closer to AEP and more carrier certifications become available we will update our 2017 certifications page for the 2018 certification season.  United Healthcare is the first Medicare Advantage carrier to announce the opening of their 2018 certification, which will be June 26th.  Click the button below to access the UHC certification once it has been released.




Five reasons to not procrastinate this certification season!

If you’re like me, you are going to get your AHIP out of the way as soon as possible.  For me, that’s the day it comes out, June 19th.  I know what you’re thinking, “it’s your job to get it done ASAP,” and you wouldn’t be wrong.  So here are the top 5 reasons to knock out AHIP and carrier certifications as they become available.

  1. The closer you get to AEP to do your certifications, the longer it takes carriers to process paperwork and background checks.  I’ve seen it take up to 6 weeks before agents got their “Ready to Sell” status.

    2018 - Ace the AHIP Live Workshop

    Get ‘er done!

  2. The sooner you get your certifications done, the sooner you can start crafting your marketing plan for AEP (sending ANOC letters, calling all clients, scheduling events and so on).
  3. If you plan on doing any kind of events during AEP, the sooner you have your certifications done, the less likely the locations you have picked out will be booked.
  4. You will not be able to order or pick up any Sales Materials until you are marked as “Ready to Sell” with that particular carrier.
  5. And finally, the last reason you shouldn’t procrastinate when it comes to Medicare certifications: PEACE OF MIND.

That moment an agent tells me they finished AHIP before August

Webinar Wednesday – June 14th

Join RBI Director of Marketing, Justin Bever, on June 14th at 12pm ET to see how RBI Eliminates the Stress, Fear, and Anxiety of Certification and AEP Planning to learn how we’re going to approach the 2018 certification season.

If you don’t want to be frantically running around before the Annual Enrollment Period, then do yourself a favor and don’t procrastinate.  Just get it done, start planning for your AEP, and let RB Insurance Group make this your most successful Annual Enrollment Period yet!


Want to learn how RBI can take your Medicare business to the next level?  Get contracted today, or give us a call at 1-800-997-3107!



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2019 Humana certification
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Video: RBI Carrier Hall of Fame Week 2

Video: RBI Carrier Hall of Fame Week 2 (ICYMI)

So if you’ve been following along this week on all our emails and event calendar, you know that April is “Carrier Spring Training” month! We are so excited for this new initiative, and just finished up our second week of webinars! But if you missed these webinars and don’t have time to re-watch them, here’s the RBI sales team to break down the highlights of each carrier, and what they do for your portfolio. Watch the video below: RBI Carrier Hall of Fame Week 2!

This week, we collaborated with Aetna, Humana, and United Healthcare. A huge shout-out to our presenters, Daniel Santos (Aetna), Kirk Sanich (Humana), and our own Charlie Ferrell stepping in for Ken Colvard (United Healthcare), who did a fantastic job showcasing their products and what makes them compelling for members.

RBI Carrier Training Highlights:

  • Aetna by Rebecca Howard
  • Humana by James Gramp
  • United Healthcare by Charlie Ferrell

Video: RBI Carrier Hall of Fame Week 2

Look for this symbol on all our new “Carrier Hall of Fame” videos!

The RBI bottom line is that all three of these carriers offer something different and that they work together nicely to fill out your portfolio as a senior insurance advisor. We recommend that you contract with all three today because everyone is different and it’s important to have the products that fit the needs of your clients.

Watch the recording: Aetna Webinar. Watch the recording: Humana Webinar. Watch the recording: United Healthcare Webinar.

Click here to get contracted. Click here to see all our contracted carriers.

Sign up for next week’s webinars today!

  • Monday, April 17 at 9 AM MST/12 PM EDT“Hit a Homer with Mutual of Omaha” Register.
  • Tuesday, April 18 at 9 AM MST/12 PM EDT“Steal Second with GTL” Register.
  • Wednesday, April 19 at 9 AM MST/12 PM EDT“Bat 1.000 with RBI’s Quoting Tool” Register.
  • Thursday, April 20 at 9 AM MST/12 PM EDT“Out of the Ballpark with SilverScript” Register.

Subscribe to the the RBI Agent’s Advantage Blog today

Did you miss last week’s webinars? Watch the full recording: American Continental Webinar. Watch the full recording: Equitable webinar. Watch the full recording: Medico webinar.


All videos are for agent use only.




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2019 Humana certification
Short Term Home Health Care

RBI Demystified: the Answers to your FAQs

RBI Demystified: Answers to your FAQs

You asked (a lot). We answered! If your question isn’t featured here, give us a call at 1-800-997-3107.


Contracting Questions:RBI Demystified

What do I need to submit with my contract?

Make sure you include a copy of your E&O insurance, your state license and if you’re contracting with a Medicare Advantage carrier, you should also submit a copy of your AHIP as well. Most carriers product certification is done AFTER contracting. With Aetna, you must certify before they will process your contract. 

How long do I have to wait to change hierarchy?

Change-of-hierarchy policy is generally set by the carrier. In general it is waiting 6 months with no-production, but each carrier is different. Some carriers do not contract directly with the agents but only with the FMO or General Agency. In these cases the terms and conditions of your contract with your upline will prevail.  You should address these types of questions directly with your upline in order to get an accurate answer.

How long does the contracting process take?

The contracting process can take some time, and will vary depending on the carrier. Some are very quick, like Equitable’s same-day contracting, and others take a little longer. In general you should expect to wait at least 2 weeks after you submit your contract before receiving your writing number. The contracting process also does get backed up, especially during ramp-up for AEP (September to November). Our contracting department recommends contracting early so you are ready-to-sell prior to October 1st.

How do I know my writing number?

Your writing number usually comes to you via email, after you have successfully completed contracting and certification. Keep an eye on your inbox for an email from the carrier, and if you haven’t received your writing number, check your spam folder. You should also add the carrier’s email address to your safe senders list. (Check out our easy tutorial here!)  If you think you should have received your writing number already, call RBI at 1-800-997-3107, and we will be happy to assist you!

How do I add or remove an appointment state?

The RBI Contracting Department will be happy to help you with this. Simply e-mail them your updated licenses, or call our office at 1-800-997-3107 for more information.

Commissions Questions:

Does RBI pay agent commissions directly?

Most of our agents receive their commissions directly from the carrier with very few exceptions. If you need help with this process, speak to our Contracting and Commissions Department at 1-800-997-3107.

When can I expect my commissions?RBI Team

If RBI does pay your commissions, those commissions are generally paid toward the end of each month.

How do you open secure emails for my commission statements?

Watch our tutorial about how to open a secure email here.

Support Questions:

Medicare Sales Engine or Agent Market Edge portal questions are best addressed to Rebecca or James by calling 1-800-997-3107.  If you have questions about a specific order you placed through the Agent Market Edge, ask for Steven. In an appointment? If you have compliance questions, you should speak to Rob Bever, Director of Compliance, and general sales questions should be addressed to our National Sales Manager, Charlie Ferrell.

Other FAQs:

When will I get my AME credits? 

If you are participating in our Medicare Advantage “Every 5 Sales Drive” through RBI, the marketing credits will show up in your Agent Market Edge account at the beginning of the month following the enrollment month. This means if you have qualifying sales in February, the marketing credits will show up in the beginning of March.

What can I spend my marketing credits on?

Your marketing credits can be used to purchase any type of collateral on the Agent Market Edge online portal. With this great tool, you’ll be growing your business in no time!


Short Term Home Health Care
2019 United Healthcare
USA Senior Care Network
2019 Medicare Broker Compensation

5 Easy Tax Season Deductions – Filing Deadline: April 18

Charlie Ferrell, National Sales Manager

About the Author: Charlie started his senior insurance career after a brief 30-year stint in the restaurant industry. In the 12 years since then, he has been blazing trails and setting standards for excellence all over! A native son of Utah, he has been a state manager for RBI as well as a managing general agent for UHC, Coventry, Molina and other carriers! Charlie came to RBI as the National Sales Manager in 2015, and is an invaluable resource for our agents and staff for marketing, compliance, and sales topics! If all of that wasn’t enough, Charlie specializes in the Dual-Eligible market and is leading the charge behind many of RBI’s new training initiatives!

5 Easy Tax Season Deductions

Filing Deadline: April 18

As you are no doubt aware by the ads to “Get Your Billion BACK!” and others, it’s tax season!


Running a business as an independent agent is a great experience for the freedom it allows, but at this time of year it can be daunting. If you’re trying to figure out what deductions you can claim for tax season, you know what we’re talking about. The IRS has resources to help you
understand what types of deductions you are eligible for, so check out what they have to say to get started. Now if you get overwhelmed by this list, that’s ok! (That’s why an accountant is a good idea!) We aren’t licensed CPA’s and this isn’t a substitute for working with one, but here’s our RBI shortlist of 5 easy tax season deductions to think about as a small business owner in senior sales.  Let’s get to it!

Number 1: Mileage

easy tax season deductions

Make sure you are tracking your mileage for Medicare appointments.

As a Medicare independent agent, you should be tracking the miles you drive to and from appointments. You’ll want to be able to provide your accountant with this information at the end of the year. Getting this deduction is simply a matter of noting the distance to and from appointments. Don’t make this complicated: write down the mileage, take a photo of your odometer, or if you don’t want to do the old fashioned notebook-and-pencil way of tracking miles, you can always download the Mile IQ app on your smartphone. Download the app for free and get started! Read more about how this works.

Number 2: Marketing Expenses

A lot of people don’t track their expenses for marketing, and this counts as a business expense! Did you order flyers for a community event this year? Maybe you got a refresh on business cards? What about mailers? Save your receipts for marketing efforts and make sure you provide your accountant with those records as well.

Number 3: Meeting Room Rental

If you held any community marketing during AEP or throughout the year, you know that meeting rooms can cost money. This is also a tax deductible expense! If you had any giveaways or prizes at these meetings, you might be able to write them off as well. (Make sure you are following the CMS Medicare Marketing Guidelines for any giveaways or prizes at your events.)  Keep your receipts – your accountant will need them!

Number 4: License Fees

easy tax season deductions

Here are 5 easy tax season deductions for Medicare insurance agents!

Insurance agents in the senior insurance market know – keeping up to date on your license, E&O insurance, CE credits and more can add up! This is also a business expense, so make sure you keep track of all your receipts for CE credits, AHIP, and other appointment fees.

Number 5: Business Travel:

If you went to any conferences, like the AHIP conference last year, or other business travels, those receipts need to be saved. Airline costs, hotel, rental car and fuel, parking expenses at the airport – all of these expenses are a business expense.  You should also be tracking your daily meals or per diem. If using the per diem method, don’t forget that your first and last days of travel are calculated at a reduced rate! You can also download this app that will help to track per diem rates.

Bonus round: If you have a home office that is designated as purely for business purposes, you might be able to write off such costs are your cell phone, internet, office supplies, or postage.

Did you see some types of business expenses on our list that you didn’t think about last year? If you didn’t keep track of these 5 items in 2016, now is the time to get started for next year. Above all, don’t wait to get organized! What you do now will have a big impact on your filing in 2018 for the fiscal year 2017. And remember, we aren’t experts — these are only 5 easy tax season deductions that we track every year. Your accountant or CPA will be able to point to other expenses you should track that might be a great way to save money.

Have you checked the RBI Calendar for April? It’s Carrier Spring Training month! Click here to get emails about our webinars! Want to get contracted? Call us up at 1-800-997-3107 or click here to see a list of carriers.


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Eat Seasonally Recipe Edition

Graphics Designer/Freelance Blog Copywriter: Shannon Bever

Author Bio:

Many of you know Shannon Bever as the RBI graphics designer extraordinaire! Shannon’s vision and artistic talents shine on the RBI blog and website and in the RBI brand.  What you may not know about Shannon is that she is a trained chef with over 10 years in the culinary arts field. We thought that was so unique, we are featuring her expertise in a recipe series of blog posts over the next several weeks! 


Eat Seasonally Recipe Edition

Eat Seasonally Recipe Edition

Graphics Designer/Freelance Blog Copywriter: Shannon Bever

Hello everyone! Hopefully you had a successful week! As promised in last week’s post about eating seasonally, I have put together a beautiful four course meal to celebrate Spring! There are many beautiful things that you might not think about being at their peak in Spring, and we’ll dive in together. Whether you make these courses together and serve a fancy meal for guests, or if you choose to make the recipes one at a time to refresh your monthly meal planning, I hope you will try these recipes and introduce more seasonal eating into your diet. Your health and pocket book will thank you.  (I have included the recipes as a downloadable PDF at the end of this post.)

Enjoy, and Bon Appètit!

The Courses Explained:

First we start with the appetizer course: mussels.

Mussels’ prime season is between October and March so this is the last month for great prices and I want to take advantage. Since I live in the desert, these mussels will likely be coming from California but they are still delicious. This dish is served with a side of grilled bread. I prefer grilled baguette and a lemon wedge. The mussels are steamed in a white wine beurre blanc, which makes a delightfully refreshing dish with a nice bit of heat from some red pepper flake. I prefer to use Sauvignon or Fumè Blanc for its grassy, citrus, herbal notes that add a bit more flavor to the dish but just about any white wine will do.

Second we go to the salad course: spinach citrus salad with goat cheese and a champagne vinaigrette.

I love this dish because you could turn it into a full meal with a nice piece of fish or some beautiful grilled chicken. There are also a lot of things that you can do with this recipe for a great springtime lunch as well. This dish contains several flavors that are fresh in March. The base of this salad is spinach, which is at its best in spring and fall, although it is available most of the year. Cara Cara oranges and blood oranges are in season December through April. If you have never had them, they are fairly sweet and have red or pink flesh which can be striking at first. Cara Cara oranges have a little zip to them and are usually lower in acidity than navel oranges. Ruby red grapefruit are in season October through April and have a deliciously sweet pink flesh. Heirloom Navel oranges are in season from December to March, although the typical navel orange can be purchased almost year-round. Strawberries are just starting to come into season this month and will get a bit better as the season progresses into August with their peak being in April to August.

Here’s a little guide to a few other seasonal foods for Spring!

My recipe calls for a raw thinly sliced red onion, but I don’t personally care for them. Leeks are not often used in salads but I substitute them anyways! Raw and thinly sliced! Leeks are in season October through May, and the best type to buy for this dish are the very small, thin, newer ones. Be sure to wash them thoroughly as they often contain little pebbles of dirt and maybe even a few bugs within the folds of the leaves which aren’t always easy to get to with just a quick rinse. The best way I have found to clean them is to slice them the way you intend to use them then put them in a mesh colander, rinse and then finally in a salad spinner with a bit of cheesecloth to ensure that they are well rinsed and dried. Then for additional depth and flavor, I like to add avocado and some of that fresh goat cheese or chèvre from the local creamery. These are totally optional but it makes this salad well rounded and the added fat from the avocado and goat cheese help to cut the acidity of the citrus. Avocados are typically in season year-round between California’s peak season from February to September and Mexico’s crops being consistent throughout the year. I also like to jazz this dish up a bit and make some sweet and spicy pecans to add to this dish. Pecans typically are not in season this month as their season is around November but if you have them leftover in your pantry this is a good dish to use them in.  Are you hungry yet?  I certainly am! 

Third (Main) course: hazelnut-crusted halibut with roasted root vegetables and asparagus (YUM!)

Again a few of the ingredients in this dish are leftover from the fall, such as hazelnuts, which are at their peak in the fall months. This year, halibut season will run from March to November with commercial fisheries’ typical season from June to September. Asparagus is in season from late February to June with April being the prime month. It is quite delicious roasted with a bit of fresh lemon on top. Roasted root vegetables are a nice change of pace from the typical potato or pasta side dish, and are sometimes overlooked their peak season is from fall through early spring. They are very easy to work with and when they are roasted the sweetness of the flesh comes out. This side dish pairs beautifully with the nuttiness of the hazelnut crusted halibut. Parsnips have somewhat of a cinnamon-y flavor and resemble large white carrots. Another great way to use them is to puree them with some potatoes to add a complexity to them. Turnips and rutabagas are subtle in flavor and are very versatile. Beets are a super-food and are full of antioxidants and anti-inflammatory properties. Carrots are probably one of the most popular root vegetables and I’m sure you already know how much better they taste when they are roasted.

Finally, we come to everyone’s favorite: dessert!

Strawberry Dessert

Our star tonight is almond shortbread moons with vanilla bean whip cream, strawberries, basil reduction and balsamic glaze. This light and delicious dessert will cleanse your palate and provide a great end to this seasonal meal. You should dig into your cellar for the almonds as their season is typically from August to October. For the vanilla beans, their season is typically in December through February, depending on where it comes from and how long it is cured. Basil grows just about year-round (especially indoors–hello, homegrown herb garden!) and when it is cooked down and strained to make this beautiful reduction, it adds a nice refreshing taste to this simple dessert. The complexity of the balsamic glaze will truly convert you from skeptic to believer. I know that at first glance this dish seems oddly paired but trust me once you try this dish you will be amazed how something so simple could be so complex and diverse in flavor.

The Recipes:

Spring Menu Recipes


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Sales Champion Summit
2018 Anthem Certification
2018 Amerigroup Certification

Life Hack: Eating Seasonally, Spring Edition

Graphics Designer/Freelance Blog Copywriter: Shannon Bever

Author Bio:

Many of you know Shannon Bever as the RBI graphics designer extraordinaire! Shannon’s vision and artistic talents shine on the RBI blog and website and in the RBI brand.  What you may not know about Shannon is that she is a trained chef with over 10 years in the culinary arts field. We thought that was so unique, we are featuring her expertise in a recipe series of blog posts over the next several weeks! 

Eating Seasonally

Graphics Designer/Freelance Blog Copywriter: Shannon Bever

It might be a no brainer to some that eating seasonally and locally will help you save money, but did you know it helps keep you in optimum health? When you buy what’s in season, you buy food that’s at the peak of its supply, and it costs less to farmers and distribution companies to harvest and get to your grocery store. This creates a simple surplus in the supply, dropping the prices for the customer. Best of all, you can get wholesome fresh foods that are also at their optimum nutrient density (not the same thing as optimum freshness).

A whole new world

One of the great benefits of eating seasonally is that you get exposed to foods you may never see anywhere else! Farmer’s markets are my favorite place to get my hands on new ingredients and hidden gems. Many small farms and local purveyors bring their produce and goods to farmer’s markets, so you can find really unique specialty items. For example, here in Arizona there is a goat farm in the Pine/Strawberry area called Fossil Creek Creamery that has the best fresh made goat cheese and other artisanal products that I have ever had. They sometimes take

part in the farmer’s markets or festivals in the area–I would have never known about them had I not visited their stand at a local event!

Eating seasonally means supporting small business

Another great reason that I always seek out farmer’s markets, is that buying locally helps stimulate the local economy. When I buy locally, I know that I’m helping out my community, as well as getting the freshest produce and great local goods. And it’s not just vegetables, I have bought some of the best lotions at farmer’s markets.

A culinary tradition is born

Several years ago now, I was running my own restaurant kitchen in the Cleveland, Ohio area. My favorite part of the day was getting up early and visiting the farmer’s market. I would pick out the best fruits and vegetables that I could buy and create a dish based on those ingredients. It became a fun tradition at the restaurant, and one I continue today in my personal life.  You can join in! If you live in Arizona, you can visit this website by the Arizona Community Farmers Markets and find a market close to you! If you live in a different state, you can find a local market with a quick Google search.

Find your seasonal foods today!

While visiting farmer’s markets and eating seasonally and locally is very satisfying in and of itself, what do you do with the produce? Eat it, of course! To find seasonal foods in your area, you can visit Seasonal Food Guide and select your state and the current season. If you live in Arizona you can also use the Arizona Farm Bureau’s “Fill Your Plate” website. Next week I am going to talk about how to put together a beautiful meal around seasonal items that you might find in the Spring. From the appetizer to the main meal to a beautiful dessert for a finish, I hope you join me again next week!

Are you as excited as we are for these recipes? Talk about a Fun Friday for the whole family! Speaking of families, want to join the RBI family? Click here to get contracted today! Have questions? Call 1-800-997-3107 today and speak to one of our expert team!


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Short Term Home Health Care
2019 United Healthcare

Sharing Stories: why I specialize in Medicare sales

Tom O'Neil's beloved puppy

Author’s Note: 

Occasionally, Charlie Ferrell the National Sales Manager at RBI/Medicare Compare asks me to whip up a blog post (read more here), often sharing stories about my years in the Medicare field.  I usually give a quick yes and just as quickly miss deadlines.  In this instance, I was challenged and intrigued when RBI Sales Coordinator Rebecca Howard suggested I write about my reasons for specializing for the last 20 years in the Medicare sales market.  At my advanced age and blessed with an overactive imagination, I thought I had self-queried on just about every subject!  But I had never really ruminated regarding my longevity in our strange and challenging business segment.  So last week, at Rebecca’s request, the introspection began!

Sharing Stories: Why I specialize in Medicare sales

Senior Agent Contributor: Tom O’Neil


My own history in Medicare

Although I had been licensed since college days in the late 70’s, it was in 1992 I reentered the insurance industry full time with FHP Healthcare in Tucson, AZ.  My job was in the appeals and grievance area due to my background with insurance and in regulatory legal areas as a former paralegal.  It was a great learning experience that led to a position with Intergroup of Arizona (later Health Net) working with the sales team and the senior programs VP.  There I worked with appeals as well as putting out the fires being regularly ignited by plan members and the state’s unfriendly press.  Finally, I moved into Medicare HMO sales in 1997 and have been there since.  Enough about me.

So why be a Senior Insurance Advisor?

Medicare Insurance product sales pays well for the hard working agent as do many vocations.  As an independent agent the hours are reasonable (except for AEP) and the work is interesting.  But as I now look back it wasn’t really the pay or the hours or the independence that kept me on the same path.  It was the people I have encountered.

My fellow agents, supervisors when I was an employee, mentors and support folks have on the whole been wonderful associates and were part of the satisfaction formula.  A lot of people took a chance on me and will I never fail to appreciate that fact.  But something was still missing while answering the question: why have I stayed in this market for so long?

Sharing Stories: The Flying Tigers

“A Chinese soldier guards a line of American P-40 fighter planes, painted with the shark-face emblem of the `Flying Tigers,’ at a flying field somewhere in China.” (NWDNS-208-AA-12X-21) National Archives Collection. Accessed 3/23/2017.

Early in my career, while still serving as a military reservist, I had occasion to run a preset appointment in a low income complex in south Scottsdale, AZ. The widow I met had only Medicare and a lot of medical bills.  Nobody had helped her get many of the benefits which she was entitled to receive.  I hooked her up with the top local HMO to reduce her costs and
got her started with what was then the Medicaid equivalent, as well as some transportation and utilities assistance.  I told her I would drop off some additional social services info on Saturday when I got off work.

Saturday came around, and I showed up to the appointment still in uniform from my reserve drill.  She said she was military “too” and took me into her kitchen and showed me a really old “Steve Canyon” comic strip from the Los Angeles Times.  It featured her late husband by name.  He had been a combat pilot with General Claire Chenault’s “Flying Tigers” in 1942 in China, fighting the Japanese Imperial Army.  She took some time to share about her husband, who had actually been awarded many medals with the U.S. Army Air Corps later in the war.  Sadly, he died shortly after the war.  As a military history buff, I was so thankful that she told me about her husband.  She was effusive in her thanks for my assisting her, but really she gave me the gift: a wonderful day.

People like that wonderful lady sharing stories have kept me in this business.

Answer: My clients

My Medicare clients can be lovely, aggravating, generous, timid, brilliant, deranged and all things found in the American fabric.  The one thing that they never are, is dull.  Each new client’s door I walk through takes me into another challenge.  Not to sell something, but to learn something.  It really seems I owe them more than I could ever pay back.  These folks have made me a better person while at the same time allowing me to pursue a career.

Do you have some great stories of why you’re an agent in the senior market? We’d love to hear them! Call us at 1-800-997-3107 or email us with yours! Interested in more about the Flying Tigers?  Read more here or here. Want to get contracted? Click here!


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Celebrate Being Irish (or at least wanting to be!)

Celebrate being Irish

St. Patrick’s Day 2017

Let’s celebrate being Irish (or at least wanting to be!)

RBI Freelance Copywriter: Heidi


St. Patrick’s Day is here! Time to polish those shoe buckles, dig out Grandma’s famous corned beef and cabbage recipe, and tint the beer green! In honor of our favorite Irish holiday, we’ve rounded up an interesting collection of 17 random facts you probably didn’t know about Saint Patrick’s Day.

About the author:

Heidi  is our RBI freelance copywriter, and we are lucky to have her! She specializes in organizational/office shortcuts and tutorials for agents. Her zany sense of humor shows through in her Fun Friday contributions and her hilarious children are favorite visitors at the RBI headquarters.

— Image by © CORBIS

Number 1: March 17th, 461 A.D. is the date Saint Patrick died. St. Patrick’s Day is the Catholic celebration of his admission to heaven. In more recent years, it has been celebrated as a cultural holiday here in the United States. People of every background celebrate by claiming Irish ancestry for the day!

Number 2: Speaking of being Irish, Saint Patrick was not. He was actually born to Roman parents living in modern-day England. More specifically, Scotland or Wales (historians are still debating!)

Number 3: Saint Patrick is credited with driving all snakes out of Ireland. As legend goes, after being attacked by snakes during a 40-day fast, an angry (or perhaps “hangry?”) Saint Patrick chased the slithering serpents into the sea, forever ridding the land of their presence. Never mind the fact that there is zero fossil evidence to prove there ever were any snakes in Ireland- the climate is just too chilly. Most scholars consider “driving out the snakes” to be metaphorical. Regardless- no snakes! We think that sounds like a great place to visit!

Number 4: Why the booze? Saint Patrick’s Day originated as a celebratory feast. In his honor, most Christian churches lift the temporary dietary restrictions imposed by Lent. For that one day, it is permissible and encouraged to gorge and imbibe. And boy, do we ever…

Number 5: It is estimated that 13 million pints of Guinness will be consumed worldwide on March 17th. Approximately $425 million is spent by patrons on alcohol each holiday… and that’s before tipping the bartender. That is a LOT of beer.

Number 6: Despite all the green, Saint Patrick had a different favorite color. Most historical illustrations from that period depict him wearing blue.

Number 7: We hate to break it to you, but your odds of finding a lucky four-leaf clover are about 1 in 10,000.


Number 8: Cabbage, too! Corned beef and cabbage, anyone? Cabbage shipments spike 70% the week before Saint Patrick’s Day. Can’t find Grandma’s recipe? Try this one!

Number 9: Leprechauns are even stranger than you realized. In traditional Irish folklore, there is no such thing as female leprechauns, only males. We’re still trying to wrap our heads around this one…

Number 10: Shamrocks are not the official symbol of Ireland. Where did they come from? Saint Patrick used clovers as a metaphor for the Holy Trinity. They also grow all over the place in Ireland, contributing to the gorgeous green countryside.

Number 11: The harp is Ireland’s official symbol. It can be found on Irish currency, the presidential flag, state seals, uniforms and government documents.

Shamrock ShakeNumber 12: Still, marketers love shamrocks. Especially McDonald’s. Each season they bring back their famous Shamrock Shake. It has a cult following, with fan-created websites and mobile apps popping up to help you locate your nearest Shamrock Shake. We’re not kidding.

Number 13: So many calories. A large, 22-ounce McDonald’s Shamrock Shake contains 820 calories. That just about makes up for all the Lent fasting, right?

Number 14: Americans are a bit fanatical about Saint Patrick’s Day. Parades, parties, pub crawls, and green rivers. Yes, that’s right… the Plumbers Local 110 Union actually dyes the Chicago River Check out this incredible time lapse video of 2017’s dye job!

Number 15: Don’t worry, it’s harmless. Although the formula of the river dye is a closely-guarded secret, the formula has been thoroughly tested by independent chemists and has been proven safe for the environment. Phew!

The Plumbers Local 110 Union actually dyes the Chicago River green for St. Paddy’s Day!

Number 16: There are over 34.7 million Americans with Irish ancestry. That is nearly seven times the population of Ireland! You guessed it, Ireland is our nation’s second highest reported nation of origin, ranking only behind Germany.

Number 17: That probably helps explain why there are 16 US towns named after Ireland’s capitol, Dublin. Can’t afford an expensive transatlantic flight? Worry not! You can visit Dublin in Alabama, California, Florida, Georgia, Indiana, Kentucky, Maryland, Minnesota, Missouri, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, Texas and Virginia!

What a journey! Thanks for sticking with us! As always, RB Insurance Group wishes you a happy and safe holiday weekend!

Love St. Paddy’s for the parties? RBI loves parties too! If you want to join in a special party at RB Insurance Group, you should check out our RBI Agent Social! Stop by the office and meet the team or get started contracting here!

A traditional Irish Pub, we’d love to be there on St. Patrick’s Day!

Kayakers enjoying the weather on St. Paddy’s Day.

A look at the beautiful countryside in Ireland.

Saint Patrick used clovers as a metaphor for the Holy Trinity.


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