2020 AHIP certification update

It’s our favorite time of the year, right behind AEP. That’s right, it’s time for AHIP TESTING and carrier certifications! You have probably seen the emails coming directly from AHIP telling you that AHIP has been released for 2020. Sure, you can go ahead and follow those links and pay the full retail price of $175 or…. You could follow your favorite FMO’s link and get the exact same course for a whopping $50 off. No strings attached. Well, there is one small one. You have to sign up for our blog in order to get the discount, but I promise we won’t SPAM you. Since you are reading this article, there is a good possibility you’re already signed up anyway. 

2020 AHIP has changed their ways this year too. Here’s what you need to know:

  • There is a timer on every slide. You can no longer just click-through the slide deck to the end
    • We have found that using Firefox instead of Chrome or Edge as your browser will allow you to move through the slides quicker
  • Quizzes have changed. You must answer every question until you get it correct.

For those of you new to Medicare Advantage, this really isn’t a deal breaker and the more time you spend on each slide, the better your chance of the information actually sinking in to the huge brain of yours.

We have partnered with AHIP for 2020 to offer our agents a generous, no-obligation $50 discount when you take the exam through RBI. You can always procrastinate and follow the carrier’s links (when they come out next week OR NEXT MONTH!) but go ahead and give us a try. Here’s the AHIP Discount link!

That’s not all!

Because we are so excited about this offer, we have decided to sweeten the deal. Let us pay for your AHIP certification!

  • Contract directly with RB Insurance Group with 3 Medicare Advantage carriers.
  • Make 5 Medicare Advantage enrollments with RB Insurance Group during AEP.
  • We will send you a check in the mail for $125 after the policy effective date.

You’re also invited to join us for a fun and informative webinar hosted by our National Sales Manager, Charlie Ferrell. He will offer useful advice for taking the 2020 AHIP certification so register today!

Register for “Ace the AHIP 2020”  Here’s what we’ll cover:

— Tips on how to study for the 2020 AHIP
— Practical advice for once you’re taking the test
— Pass the AHIP the first time!
— BIG changes this year to how to study for the exam

Register here now!

Want more reasons to sell Medicare Advantage plans?

How about we just got a raise! CMS just increased the Initial Compensation to $510 for a beneficiary just enrolling into Medicare and raised the renewal rate to $255. Most carriers pay lifetime commissions so if you enroll a client into a Medicare Advantage plan for the first time in 2020, that client is worth more than $2200 over 10 years. We make it easy to stay in front of and keep track of your clients with our proprietary Medicare Sales Engine CRM. We also make it easy to contract with our Fast-Track contracting process.

2020 Medicare Agent and Broker Compensation Announced | CMS | RBI

2020 Medicare Agent and Broker Compensation Announced

The Center for Medicare and Medicaid Services released a memo on May 29th, 2019. The CMS made the annual announcement detailing the compensation limits for 2020.

AHIP Certification 2020 discount training medicare

The Center for Medicare and Medicaid Services released a memo to Medicare Advantage Organizations, Prescription Drug Plan Sponsors, Section 1876 Cost Plans, and Medicare-Medicaid Plans detailing Contract Year 2020 Agent and Broker Compensation Rate, Referral/Finder’s Fees, Submissions, and Training and Testing Requirements for 2020.

The CY 2020 FMV cut-off amounts for all organizations & referral/finder’s fees are as follows:

Medicare Advantage Organizations, Prescription Drug Plan Sponsors, Section 1876 Cost Plans, and Medicare-Medicaid Plans 2020 Agent and Broker Compensation Rate, Referral/Finder’s Fees, Submissions, and Training and Testing Requirements 2020 compensation and referral/finder’s fee

Policies sold for a January 1st, 2020 effective date will be eligible for this new compensation as long as the selling carrier decides to pay the Maximum CMS Allowable Commission.

Needless to say, Medicare Advantage is more attractive than ever to sell as a Broker.  If you’ve ever thought about selling Medicare Advantage, now is a good time to consider getting into this market . The 2020 Medicare Broker Compensation is more robust than ever with this new announcement. Many beneficiaries (21 Million and counting) prefer a Medicare Advantage plan, and with the new broker compensation for 2020, the gains for brokers are obvious.

Give us a call at 1-800-997-3107 to find out which carriers pay Top Commission in your market! Click here to contract now!

See below for the memo in it’s entirety, titled “Contract Year 2020 Agent and Broker Compensation Rate Adjustments, Submissions, and Training and Testing Requirements.”

2020 Agent and Broker Compensation Rate, Referral, Submissions, and Training and Testing Requirements


2020 ahip discount certification



2020 ahip discount certification
OEP
Medicare cost-sharing

There are Just 24 months Between S.S.D.I. and Medicare Automatic Qualification

There are 24 months Between S.S.D.I. & Medicare Automatic Qualification

What You Need to Know to Grow Your Book of Business.

The Social Security Administration estimated in December 2018 that 8.5 million Americans received Disability Income or S.S.D.I.. To get a sense of who is covered by S.S.D.I., check the Administration’s Definition of Disability and view its complete list of impairments for adults and children.

What does this mean for you the agent? S.S.D.I. and Medicare work together to support individuals with disabilities. Independent Medicare agents have a rewarding opportunity to serve these disadvantaged beneficiaries. Whether someone is physically disabled and needs assistance with mobility or those with intellectual disabilities or those suffering with mental illnesses, they all need assistance with finding the right health coverage for them. Many times, S.S.D.I. beneficiaries qualify for Medicaid due to lower earnings over their lifetime. This provides you with a unique opportunity to partner with others to assist these beneficiaries. Once they have Medicare, you have a client for life!


“Realizing the the implications that Medicare is not just for seniors 65 and older opens up your book of business to new streams of income.”


It’s fairly simple, once a person has been on S.S.D.I. for 24 months, he or she automatically qualifies for Medicare. You can read more about eligibility for S.S.D.I. here. Individuals with S.S.D.I. can receive Medicare benefits before 24 months if they are fully disabled & have no expectation to work because of their disability. This is not granted automatically; the beneficiary must apply for it. I have had some clients receive Medicare benefits within three months of applying once they began receiving S.S.D.I..


Independent Medicare Agents have a Rewarding Opportunity to serve these Disadvantaged Beneficiaries

Most states do not have Medicare Supplements available to individuals under age 65. If Medicare Supplement plans are available, they can be cost prohibitive because most companies are group or age rated. An individual on Medicare due to Disability is bound to have higher health costs, so they often go with a Medicare Advantage plan simply because that is their only choice. Many Medicare Advantage plans have different networks than your new S.S.D.I. clients may have used in the past, so make sure they are comfortable changing their doctors and specialists.


“It’s fairly simple: Once a person has been on S.S.D.I. for 24 months, he or she automatically qualifies for Medicare”


It’s often the case that many individuals with a disability & families with a disabled family member don’t know where to turn for help. Some have Medicaid, some have no insurance and some live off of their savings.  Tragically, we have bared witness to cases where disabled clients have been Bankrupt by medical bills and are now on Medicaid after burning through their entire life savings because they had no insurance. Most are in their Forties or Fifties and believed they had at least 10 to 20 years or more to work.

Knowledgeable and caring Medicare agents can really make a positive difference in the lives of Disabled prospects by helping these individuals understand S.S.D.I. & Medicare. Realizing the the implications that Medicare is not just for seniors 65 and older opens up your book of business to new streams of income.

Call RB Insurance at 800-997-3107 or email to learn more about Social Security Disability Income, Medicare for Disabled individuals and how to Market yourself to new prospects. RB Insurance Group, llc. A Field Marketing Organization (FMO) for Insurance Agents and Agencies, specializing in the Senior Insurance market. The Agent Advantage Blog is designed with your business agents in mind. Explore the information below & subscribe to our blog to get CMS and regulatory updates with the agent’s perspective. Then give us a Call:800-997-3107 or Email: Producer@rbi-group.com  to find out how RBI can help you expand your business!

Disability Evaluation Under Social Security*

Listing of Impairments –  Adult Listings (Part A)

The following sections contain medical criteria that apply to the evaluation of impairments in adults age 18 and over and that may apply to the evaluation of impairments in children under age 18 if the disease processes have a similar effect on adults and younger children.

1.00
Musculoskeletal System

2.00
Special Senses and Speech

3.00
Respiratory Disorders

4.00
Cardiovascular System

5.00
Digestive System

6.00
Genitourinary Disorders

7.00
Hematological Disorders

8.00
Skin Disorders


9.00
Endocrine Disorders


10.00
Congenital Disorders that Affect Multiple Body Systems

11.00
Neurological Disorders

12.00
Mental Disorders

13.00
Cancer (Malignant Neoplastic Diseases)

14.00
Immune System Disorders

Listing of Impairments – Childhood Listings (Part B)

The following sections contain medical criteria that apply only to the evaluation of impairments in children under age 18.

100.00
Low Birth Weight and Failure to Thrive

101.00
Musculoskeletal System

102.00
Special Senses and Speech

103.00
Respiratory Disorders

104.00
Cardiovascular System

105.00
Digestive System

106.00
Genitourinary Disorders

107.00
Hematological Disorders

 108.00
Skin Disorders


109.00
Endocrine Disorders


110.00
Congenital Disorders that Affect Multiple Body Systems

  111.00
Neurological Disorders

 112.00
Mental Disorders

113.00
Cancer (Malignant Neoplastic Diseases)

114.00
Immune System Disorders

*Information from Social Security Administration Website:
https://www.ssa.gov/disability/professionals/bluebook/ChildhoodListings.htm
https://www.ssa.gov/disability/professionals/bluebook/AdultListings.htm

MA-OEP is back!

Medicare cost-sharing

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 of Utah, he has been a state manager for RBI as well as an MGA for UHC, Coventry, Molina and other carriers! Charlie came to RBI as the National Sales Manager in 2015, and has been dubbed the “Medicare Encyclopedia” our staff and agents alike. Charlie specializes in the Dual-Eligible market and is leading the charge behind many of RBI’s new training initiatives!

MA-OEP is Back!

Beginning this year the Centers for Medicare & Medicaid Services (CMS) have given Medicare Advantage (MA) beneficiaries an additional enrollment period called the Medicare Advantage Open Enrollment Period (MA-OEP.)

What this means for Beneficiaries

Each year, starting on January 1st, Medicare Advantage members will be able to make a one time plan change through March 31st of each year.

Agents that have been around for a while remember that the Open Enrollment Period (OEP) was critical for people who failed to change plans during the Annual Election Period or those who made the wrong choice and only realized it when they tried to use their plan in January. This new enrollment period helps protect beneficiaries who may only look at how their co-insurance and co-pays are changing, but may not realize that their doctor will no longer be accepting the Insurance/Plan they haveIt also gives us another three months of selling to increase our customer base.

It’s in your and your Client’s best interest

For new agents who have yet to experience an OEP, you might be scared that all your your new clients could leave and all of your commissions would be charged back and … you would be right! This puts more burden on you the agent to put them in the correct plan in the first place, which is a good thing if you ask me! Make sure you call your clients the first week in January and find out if their plan is working correctly for them. OEP gives you a chance to correct plans if you find out that your client’s doctors are no longer in network after the first of the year. It also allows YOU to market yourself and gain new clients from those agents that are not returning phone calls or following up on their clients needs.

How does OEP protect your business?

It never fails that I have someone call me after December 7th saying they want to sign up for the plan now and I have to tell them “It’s too late, you are locked into your current plan until the end of next year unless you move out of the county.” Even worse is the client that calls me in January looking for my help and another agent put them on a different plan just to make a commission. I have had it happen. An agent “stopped by” just to go over her Medicare even though she told them she had an agent and was already signed up. Next thing you know they are on a different plan and I can’t help them. OEP gives you the chance to keep that business and allows you inoculate your clients from agents that want to poach your business. It forces you to do your job… or someone else will do it for you!

21st Century Cures Act

The 21st Century Cures Act allows all Medicare beneficiaries one change during OEP. The law also prohibits carriers from advertising to consumers to utilize the OEP to change plans. It’s up to us to educate our clients and potential clients of the upcoming changes. If you have a penchant for reading ridiculously long and boring Congressional Statutes, then you can read about this new law in its entirety right here!

Keep up to date with the latest in Medicare news by subscribing to our blog on the right hand side of your screen! 



2020 ahip discount certification
Medicare cost-sharing
2019 Medicare Broker Compensation

S.S.D.Y. – Same Stuff Different Year – Here’s Your 2019 AEP Checklist

S.S.D.Y. – Same Stuff Different Year

Getting Ready for 2019 AEP & OEP – Agent Success Checklist



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 3 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.

Hooray, it’s that time of year again where agents spend hours blankly staring at their computers – Medicare Certification Season! Cue the collective groan from agents across the US. That’s why I’m here, to give you a handy 2019 AEP Checklist to get you ready for a successful Annual Enrollment Period!

It’s very important that you get your ducks in a row EARLY! Waiting until September to complete your AHIP and product certifications is a sure-fire way to increase stress levels this fall. The closer it gets to AEP, the more bogged down carriers get with processing new contracts, background checks, and product certifications.

Speaking from personal experience, I’ve seen it take as long as 4 weeks for agents to receive their “Ready to Sell” status after completing their product certifications. There’s nothing more frustrating than losing a sale just because you were still waiting to show up as “Ready to Sell.”

Without Further Ado, Here is Your 2019 AEP Checklist!


AHIP

That dirty four-letter word that spikes agent’s blood pressure far and wide. Unfortunately, it’s a necessary evil in our industry and is required to sell Medicare Advantage and Prescription Drug Plans. If you’re an agent that doesn’t sell MA, then I have news for you – You’re Leaving Money on The Table! Read my Blog Post from last year to learn why you should consider adding MA plans to your portfolio. Quick update, there are now over 21 million Medicare Advantage members compared to roughly 14 million Medicare supplement members nationwide.

Haven’t taken your AHIP yet? Follow this AHIP link to receive your $50 discount… But wait, there’s more!

Picking up Additional Products

Now is the time carriers are releasing first-look benefit information for the 2019 plan year. Head on over to our Events Calendar to register for our upcoming webinars. Curious to find out how these carriers stack up in your market? I’m just one phone call away!

Carrier Certifications

2019 Medicare AEP Certifications RBI

More online testing and certifications! Are you excited yet? No? Not sure when each of the carriers are launching their certifications, head on over to our 2019 Carrier Certification page. You’ll be able to see when all the 2019 Medicare Advantage Certifications are released.

Certainly don’t wait until the last week in September to do these! If you’re not marked as “Ready-to-Sell,” you will not be able to pick up any sales kits or marketing materials for the upcoming Annual Enrollment Period.

Evaluate your FMO Relationship

evaluate you FMO Medicare Advantage

If your FMO isn’t holding up their end of the bargain by providing you the support you need to grow your Medicare book of business, then now is the perfect time to re-evaluate that relationship. If your Field Marketing Organization doesn’t provide anything in the way of marketing support, they’re really just a Field Organization. The bottom line is, your FMO should work for You! These are things you should consider when choosing who to work with.

  • Sales training + coaching
  • Marketing support
  • Compliance support
  • Accessibility

“If you fail to plan, then you plan to fail.”

The most successful agents don’t go into AEP flying by the seat of their pants. At RBI, we develop marketing plans with our agents the M.A.P.S. way. Your marketing plan should be Measurable, Actionable, Profitable, and Scalable. Check out my blog post that I linked to above to learn more about the M.A.P.S. method for success.

A lot of agents I speak with only look for referrals from their existing book of business but are totally ignoring a HUGE opportunity, getting referrals within your community.  The easiest place you can start is your very own doctor’s office.  If you’ve ever wondered how an agent is able to be successful in this industry without breaking the bank by purchasing leads, here’s your answer: Community Marketing.  Not sure how, or where to start?  Check out my blog post, “Building Your Referral Network” and download the free white paper where I demonstrate how to get started!

AEP + OEP

With our selling season lasting almost three times as long than in previous years – OEP lasts from January 1st through March 31st, now is the time to start planning! You’re probably thinking, “wow, that’s a lot to think about.” That’s because it IS a lot to think about. But, if you really want to be successful in this business, then don’t let another Annual Enrollment Period pass you by without doing everything in your power to make it happen!

RB Insurance Group has the tools, marketing support, and most importantly, the expertise to turn you into a Medicare selling machine.

Give me a call today to learn all about how we do things differently than our competitors! (800)-997-3107 .



2020 ahip discount certification
OEP
Medicare cost-sharing

United Healthcare Non-producing Policy


United Healthcare Non-producing External Distribution Channel (EDC) Agents

United Healthcare recently announced that they’re implementing a new annual agent sales production requirement.  Beginning on June 25th, 2018 UHC will count sales with effective dates from July 1st through March 1st of each year. If an agent fails to meet minimum production requirements by the end of an annual evaluation period, the agent will be charged an administration fee and United Healthcare will move to terminate their contract for non-production.

Who is Affected?

An agent/agency is considered non-producing if, at any time during the evaluation period, they held an active contract and did not have at least one sale with an effective date of July 1st through March 1st.

This policy applies to EDC agents and agencies that are contracted at the Agent level, and that are deemed “Read to Sell” for remainder of the plan year and subsequent AEP and OEP. This policy does not apply to solicitors (Licensed Only Agents).

How does this policy affect GA, MGA, and FMO level agencies?

United Healthcare will charge an administrative fee to any non-producing EDC agent/agency that has an active contract during the evaluation period. After a period of 60 days, the agent/agency’s immediate up-line becomes liable for any unpaid fees for their immediate downlines.

What if I have an agent level corporation, does the policy and fee apply to both the principal and the corporation?

The fee will only be charged once. However, both may be terminated for non-production.

Administrative Fee

  • $150 fee for resident state
  • $100 fee for additional state
  • Maximum of $250 per agent per year

Collecting Renewals

Agents and agencies that no longer want to market and sell United Healthcare Medicare products should consider terminating their contract and moving into servicing status. This protects their current book of business so they can maintain relationships with members and retain their renewals.

Agents and agencies that terminate their contract during the evaluation period may still be subject to the fee if they did not meet the sales requirement during the evaluation period.

I’ve been assessed a fee, but I have a recent application pending

If an agent wishes to avoid contract termination they must have one sale of any United Healthcare Medicare Advantage, Prescription Drug Plan, or Medicare Supplement product within 30 days of the termination notice. The administration fee will still apply.

Terminated for non-production

If an agent was terminated for no United Healthcare sales, but would like to sell with United Healthcare again, they must wait 60 days from the termination date and will be subject to possible contracting fees. After a period of 60 days, the agent/agency’s immediate up-line becomes liable for any unpaid fees.

Our goal at RB Insurance Group is to support your business so that you can perform at the highest possible levels! At RBI, we pride ourselves on our ability to help agents succeed in the Medicare market. If you would like help selling and marketing not only United Healthcare plans this year, call our office at 1-800-997-3107!



2020 ahip discount certification
OEP
Medicare cost-sharing

Introducing Short Term Home Health Care!

Medicare SEP

About the Author: With his signature common sense, quiet good humor, and brilliant customer service, Jim is an integral part of the RBI team — we’d go so far as to say we’d be lost without him! 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 2 years, and has worked at RBI for almost 3 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.

What would YOU do for Short Term Home Health Care?

What would you do for the opportunity to protect your clients from lengthy and costly stay at a Skilled Nursing Facility?

Would you jump up and down on one foot? Absolutely

Would you act like a chicken? Sure, why not!

Now what if I also told you that there are plans available that can pay for themselves without even utilizing their Home Health Care benefits?

Would you eat liver and onions? Not my favorite,but yeah sure.

Would you do an interpretive ribbon dance in front of a group of people? Well… How big of a group and who?

Finally, what if I told you that these plans are not only extremely affordable for your clients, but you can also make good money offering these plans?

Would you hug a cactus? Getting a little crazy now…

How bout free swimming with sharks? Yeah, no…

Beyond the Monetary Savings

Maybe I started getting just a little carried away there. But on a more serious note, these new Short Term Home Health Care plans that have been hitting the market recently are an amazing way to not only protect your clients pocket book, but also give them the option to recover in the comfort of their own home. Some carriers even have EXTREMELY relaxed underwriting questions. One of my favorite carriers, Guarantee Trust Life, has 2 or 3 underwriting questions depending on which plan your client selects.

The value of these plans can go way beyond just the intrinsic monetary value. Just from my personal experience, these plans may have saved my Grandpa’s life. A few years ago, he had fallen while stepping off a ladder and ended up breaking his hip. The fall wasn’t what ended up taking his life though, it was a bacterial infection that he ended up contracting in the Skilled Nursing Facility he was staying at. Had he been able to recover from this in the comfort of his own home, he might still be here today.

I love talking about the amazing benefits that these new Short Term Home Health Care plans provide. Give me a call to see which carriers offer these plans in your area. You can reach me directly at 1-800-997-3107!



2020 ahip discount certification
OEP
Medicare cost-sharing

2019 United Healthcare Certification now LIVE

2019 United Healthcare

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.

2019 United Healthcare Certification

The 2019 United Healthcare Medicare certification is now LIVE as of June 25th. In order to access this training you will need to login to your UHC Jarvis Account. Below are step-by-step instructions to access and complete your UHC certification today. Don’t forget that you will have to use your Optum ID to sign into the UHC portal as of mid-June. Instructions are on the UHC portal website if you have not yet set up or linked your Optum ID.

Accessing 2019 United Healthcare Certification

  1. Login to the UHC’s distribution portal, Jarvis – www.uhcjarvis.com.
  2. After logging in, hover over the “Knowledge Center” tab at the top, and click on “certifications.”
  3. Click on the blue “Launch Certifications” button.
  4. Finally, click on the “Certifications” link at the top left hand side of your screen.

Uploading 2019 AHIP

  1. Click on “2019 AHIP (EDC Only)” to upload your AHIP to the UHC website. A message will pop up saying that “You have 6 attempts to complete this component.” Click the “OK” button.
  2. This will load a new page. From here click on the blue “Launch” button. This will bring you to the AHIP website.
  3. Login to the AHIP website. A message will pop up that says, “You are currently active in the United Healthcare site license. To proceed, click the Continue button; if not, click the logout button to exit.” Click “Continue”
  4. Scroll down to the bottom of the page and click on “Transmit to United Healthcare” then “I comply” stating that you understand there are more modules to complete to be fully certified.

After you have transmitted your AHIP to United Healthcare, you are ready tobegin the UHC product certification. You will need to take the “2019 Ethics and Compliance” course and test, as well as the 2019 AARP course. If you plan on selling any Special Needs Plans or Medicare Supplement policies, you will also need to complete those courses as well. We have had several agents not get paid for sales they made this year due to not taking the additional certification modules.

IMPORTANT: You will need to pass the 2019 United Healthcare certification in order to be paid on any renewal business.

Curious to see how United Healthcare’s Medicare Plans stack up in your area? Call our Office at 1-800-997-3107 to see if they’re worth adding to your portfolio! Or you can start the contracting process by clicking here!



2020 ahip discount certification
OEP
Medicare cost-sharing

Save Big: Medico + USA Senior Care Network

Medicare SEP

About the Author: With his signature common sense, quiet good humor, and brilliant customer service, Jim is an integral part of the RBI team — we’d go so far as to say we’d be lost without him! 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 2 years, and has worked at RBI for almost 3 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.

Save Big with Medico + the USA Senior Care Network

Medico is introducing a brand new program that is designed to save your client’s money. This new program, the USA Senior Care Network program, is a completely voluntary program designed to help save you money when you obtain inpatient services at a USA Senior Care Network hospital. Best of all, this new program costs absolutely nothing!

About the Program

USA Senior Care Network has contracted with hospitals across the U.S. to waive all or a portion of your client’s Medicare Part A deductible if they’re admitted into a participating hospital. This allows them to pass some of those savings on to your clients in the form of a $100 premium credit on their next months Medicare supplement premium payment. For a list of participating hospitals in your area, click here!

USA Senior Care Network

How do You Receive the Premium Credit?

Beginning on June 22nd, 2018, when your clients are admitted into a hospital in the USA Senior Care Network, show your new insurance card with the USA Senior Care Network logo on the back (mailed on June 7, 2018). When Medicare applies a Part A deductible to their claim, the hospital will waive all or a portion of that deductible and will notify your client that an upcoming premium payment will be reduced by $100.

There are two groups of policyholders who will not be eligible for this program:

  1. Medicare Supplement Plan A policyholders are not included, because Plan A does not pay the Medicare Part A deductible.
  2. For legal reasons, this program is not available in the state of Missouri.

Current Coverage

Your clients Medicare supplement policy will remain unchanged by this program. They are not required to use a participating hospital, and you can still go to any hospital you choose. Your clients can now access their policy information on Medico’s secure customer portal at www.gomedico.com or they can call Customer Care Center at 1-800-228-6080.

Medico offers a whole suite of products that are designed to protect your clients from a multitude of situations! If you would like to get contracted, or learn more about their product offering, give me a call directly at 1-800-997-3107!

2020 ahip discount certification
OEP
Medicare cost-sharing

Medicare Broker Compensation Announced 2019

2019 Medicare Broker Compensation Announced

The Center for Medicare and Medicaid Services released a memo on May 28th, 2018 detailing the compensation limits for 2019.

The Center for Medicare and Medicaid Services released a memo on May 28th, 2018 detailing the compensation limits for 2019.

The CY 2019 FMV cut-off amounts for all organizations are as follows:

Policies sold for a January 1st, 2019 effective date will be eligible for this new compensation as long as the selling carrier decides to pay the Maximum CMS Allowable Commission.

Needless to say, Medicare Advantage is more attractive than ever to sell as a Broker.  If you’ve ever thought about selling Medicare Advantage, now is a good time to consider getting into this market . The 2019 Medicare Broker Compensation is more robust than ever with this new announcement. Many beneficiaries (21 Million and counting) prefer a Medicare Advantage plan, and with the new broker compensation for 2019, the gains for brokers are obvious.

Give us a call at 1-800-997-3107 to find out which carriers pay Top Commission in your market! Click here to contract now!

See below for the memo in it’s entirety, titled “Contract Year 2019 Agent and Broker Compensation Rate Adjustments, Submissions, and Training and Testing Requirements.”

2019_Writing_Agent_FMV_Compensation



2020 ahip discount certification
OEP
Medicare cost-sharing