Author: Amy Donahue

About Amy Donahue

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Q2 News: Get a Life Incentive Extended

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Back by Popular Demand! 
We’re ramping up for a whole new contest for Q2!
Sell 10 life applications. Win Bose Wireless Headphones!

Our first quarter sales contest saw 6 winners from 4 different states. For Q2 we’re ready to give out Bose Wireless Headphones (or cash equivalent) to even more brokers who step up and sell life plans from any of the many great insurance partners including Gerber, Foresters, SBLI, Americo and Royal Neighbors and more!

So… what are you waiting for – make some calls and nail down what you need to reach 10 Apps for the Win!

Cases must be submitted to carrier by 6/30/19 and paid by 7/30/19 to qualify. All life products count!

Submit 10 applications between 4/1/19 – 6/30/19 and win a pair of Bose SoundSport Pulse Wireless Headphones ($200 value)
Eligible Products:

  • Final Expense
  • Whole Life
  • Guaranteed Issue
  • Juvenile Insurance
  • All life products count!

Keep an eye on our Bonus Programs for new incentives coming soon!

Not contracted through GarityAdvantage?
Download or request contracting on our site: Final Expense Carriers | Life Carriers

Webcast: RI LIS & DSNP Selling Strategies

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ATTENTION MEDICARE BROKERS!
Are you hunting for SEPs?

Do you sell in Rhode Island? Opportunity Awaits YOU in the LIS and DSNP markets

Join our Senior Territory Manager for the Northeast, Susan Young, and Broker Liaison, Christina Comerford, for a special ‘roll up your sleeves’ webinar focused on the selling strategies you need to find prospects, assess their needs, offer solutions and close more business throughout the year in the lucrative LIS and DSNP markets.

With thousands of full and partial dual-eligible beneficiaries residing in RI, the time to act is NOW!

Join us on Thursday, April 18th at 11am and learn:

  • Size of the opportunity in RI
  • Key definitions to help you understand who your target audience is
  • Who is eligible for LIS and DSNP
  • How to generate leads
  • Where to go to verify Medicaid status
  • Tips on how to sell LIS and Dual Eligible plans

Thursday, April 18, 2019 | 11:00 AM – 12:00 PM

REGISTER TODAY

Not yet contracted? Get started here.

Unable to attend? Please contact Susan Young for more information: 800-234-9488 x1459 – plus, register and we will send you the recording later that day!

CT DSNP Selling Strategies

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CT DSNP

Ready to Capitalize on the Booming Dual Eligible Market?

Curious about how to get involved in this market?
Currently selling and want to brush up on your skills?
Have some questions about Medicare/Medicaid?

GarityAdvantage is pleased to welcome Theresa Gontarek from Anthem Blue Cross and Blue Shield as she walks you through the most effective ways to sell to dual eligibles in Connecticut.

Some topics we’ll review:

  • Eligibility – what are the differences between FBDE, QMB, MSP, LIS?
  • How does someone apply for extra help?
  • How to determine what level of extra help a client has
  • Lead Sources: Find out where to find clients
  • Grassroots marketing ideas
  • Agent best practices and how to retain your client once you enroll them

When: Tuesday, April 30th, 2019
Registration starts: 9:15AM
Full Breakfast: 9:30AM
Time: 10:00AM – 12:00PM

Where: Four Points by Sheraton-Meriden
275 Research Parkway
Meriden, CT 06450

REGISTER

Need to contract with Anthem in CT? Get started here.

Contact Broker Support if you have any questions.

Webcast Q&A: CT Med Supp Strategies

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We had such great questions during the Q&A segment of yesterday’s webcast, “Selling Medicare Supplements in Connecticut: Strategies for Success,” we wanted to share them with our agents for future reference.

Highlights from today’s webcast Q&A:

  1. Can you submit online enrollments for Medicare Supplements?
    Answer:     Yes! Online enrollments are available for UHC, Anthem, Cigna, Combined and Mutual of Omaha (Omaha Insurance Company) and United American (UA’s E-app requires training to be completed before an agent can use it)
  2. If a beneficiary moves to another state, can they keep the CT plan?
    Answers:     They can keep their plan, as long as it is offered in the new state of residence. The beneficiary should contact the carrier to inform them of the new address and the premium will be adjusted to the rates in effect for that plan in the new state.
  3. Foreign Travel which Medicare Supplement plans cover it? Source: Medicare & You 2019
    Answer: Basic Medicare: Foreign Travel is generally not covered by Medicare. There are a few exceptions, please refer to Page 48 of Medicare & You.

    • Medicare is a US Health Plan that does not provide coverage outside of the US.
    • Plans C, D, F, G, N & M cover 80% of Medically necessary emergency care services after a $250 deductible up to a lifetime max of $50,000.
    • Please note that this is reimbursement coverage only, so the member must pay the charges from the foreign hospital, then submit a claim for reimbursement to the carrier.
    • Our Slide showing plans F, G & N incorrectly stated that the Cost of Foreign Travel Emergency is covered at 100% up to plan limits. The correct percentage of coverage is 80%. A corrected grid can be downloaded here. Foreign Travel Health Insurance can be purchased through IMG – click here to access plan info and contracting.
  4. What about covering for dialysis, does the supplement have more coverage than the advantage?
    Answer: Basic medicare covers 3 dialysis treatments per week if the member has ESRD. Dialysis is covered under basic Medicare so a Med Supp wouldn’t offer any additional benefits.
  5. What is the High F Commission for United American?
    Answer: Commission is 16% of first year premium, which is $50/month.
  6. How many carriers have a 5 * PDP and who are they?
    Answer:  Blue Cross and Blue Shield has 5 Star PDP’s in CT, IA, MA, MN, MT, NE, ND, RI, SD, VT, WI, WY.
  7. Is that Star rating state-specific or national?
    Answer: Star ratings encompass the service area of the plan.

Do you have a question that was not answered above? Reach out to either Jane Feit, Jeanette Natale or anyone on the Broker Support Team – 800-234-9488

Ready to get started? Request a contract – 4 great carriers to choose from in CT!

How to Sell HPHC’s DSNP “look alike” plan in NH

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How to Sell HPHC's DSNP “look alike” plan in NH

 

ATTENTION HARVARD PILGRIM MEDICARE BROKERS

Let’s Take a Closer Look at How the Gain Rx Product Works in New Hampshire

Join GarityAdvantage and Harvard Pilgrim Healthcare’s Senior Market team for a hands-on training session at HPHC’s Manchester Offices focused on understanding:

  • How a DSNP “look alike” product works in the NH market
  • How big the opportunity is in NH
  • How to find prospects
  • How and where to sell

You’ll “Gain” a better understanding of HOW TO SELL this unique Medicare product to diversify your client base and income potential throughout the year.

Register and Save Your Seat:

Harvard Pilgrim Health Care
650 Elm St., 7 th Floor
Manchester, NH 03101
Not Yet Contracted? Get started here.
Unable to attend? Please contact Susan Young for more information: 800-234-9488 x1459
GarityAdvantage Agency   is a national field marketing organization specializing in the senior market. Our goal is to provide independent brokers with the tools they need to be successful. This starts with a large and diverse portfolio of senior products from the top insurance carriers in each market we serve and continues on with a menu of innovative sales and marketing tools and helpful support services designed to ensure our agents maximize sales in this burgeoning market.

(Webcast) Selling Med Supp in Connecticut: Strategies for Success

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GarityAdvantage invites you to join us for a timely webinar focused on today’s most successful strategies for selling Medicare Supplements in the state of Connecticut. With AEP in the rear view mirror, more and more agents are ramping up their Med Supp selling effort—and reaping generous rewards.

Are you maximizing your full potential in this lucrative market?

Let us help you define (or refine) your Med Supp selling strategy. Join us on Wednesday, February 27th at 11AM for an in-depth look at the Med Supp market and how you can maximize sales in the coming year.
Topics to be discussed include:
  • CT Med Supp product/market review
  • New changes for 2020/MACRA
  • Med Supp vs. Med Advantage
  • Lead generation/marketing strategies
  • Asking the right questions to identify Med Supp candidates
  • Med Supp selling tools you can use
  • Cross selling strategies
  • Leveraging our Medicare Quoting Engine

Selling Medicare Supplements in Connecticut: Strategies for Success

Wednesday, February 27th, 11AM-12PM

With only 30% of CT seniors in Med Advantage plans, that means the remaining 70% may need a Med Supp!
Why Sell Medicare Supplements?
  • Great commissions AND high persistencyclients
  • High renewal income potential
  • Helps create other sales opportunities
  • No red tape; no certifications; no set enrollment period
10 Key Reasons to Work with GarityAdvantage:
  1. National FMO with access to the top carriers in your market
  2. Local broker support office in CT
  3. Entire focus is on senior market
  4. Top commissions paid directly to you
  5. Extensive in-person and online training
  6. Free Senior Market Quoting Engine
  7. Flexible marketing co-op lead programs
  8. Uncompromising compliance standards
  9. Committed to the long-term agent relationship
  10. Opportunities for agency growth

Gerber Life Instant Decision Tele-App

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Get INSTANT DECISIONS
Submit applications OVER THE PHONE
KEEP THE COMMISSION on each and every application

Let Gerber Life Do the Work for YOU!

Gerber Life is simplifying the selling process by empowering agents in the field through a unique call center solution.
 
Now you can call Gerber Life during your sales appointment to get an instant underwriting decision on their new Whole Life and Senior Whole Life products and submit your applications for any Gerber Life Insurance products directly over the phone. Gerber does the work and you get paid the commission! 
 
Get on board with GarityAdvantage!
 
Due to our strong relationship with Gerber, GarityAdvantage has been chosen for this exclusive launch. Our agents can now call Gerber Life with their clients on the line, and complete applications by telephone – and still keep the commission on the sale.
 
If you are not currently contracted through GarityAdvantage, complete our simple contract request form to get started.
 
If you already have a contract through GarityAdvantage, you are ready to go! 
Just call 1-877-885-7612 between the hours of 8:30AM – 6PM EST with your client on the line. Use this check list to make sure you have what you need to make the call. Most calls will take 10-15 minutes. NOTE: Agent must have a writing number for Gerber Life through GarityAdvantage Agency to use this system.
 
GarityAdvantage and Gerber Life look forward to working with you.

Get Mobile and do more

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Get Mobile and do more for your clients and prospects.
Use these mobile apps to make sales.

Make sure you have both of these great apps and have information at your fingertips to help you close sales.

Senior Market Quote Engine
Access this powerful tool to quote and compare Medicare Advantage, Medicare Supplement, Final Expense, Hospital Indemnity and Dental all from your computer, tablet or phone. Compare rates and benefits, combine quotes for multiple product types and click to apply (for most carriers). Get the app! 		Quote Engine
What's Covered App Medicare’s “What’s Covered” App
Once you’ve downloaded the GarityAdvantage Quote Engine, your next step should be to download Medicare’s new “What’s Covered” mobile app to learn what items and services are covered, how to get covered benefits, and basic cost information. Get the app!

GarityAdvantage Agencies

Contact Us: 800-234-9488

Medicare & Senior Market Conference & Expo Expands in 2018

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medicare

 

Attend the 2018 Medicare & Senior Market Conference & Expo

The Biggest Medicare Selling Event in the Northeast!

GarityAdvantage Agencies invites you to join our team, our carrier partners, and your broker peers for an information-packed day of networking and learning about the latest opportunities in the senior market.

Benefits of attending include:

  • Get a first look at 2019 plan designs from the most prominent Medicare Advantage carriers in the market
  • Uncover the latest trends emerging in the senior market from our industry keynote speakers
  • Meet face to face with carrier representatives offering Medicare Advantage, Medicare Supplement, PDP and a host of other senior market products
  • Compare your strategy with top brokers in the field
  • Enter to win fun raffle prizes
  • Meet the GarityAdvantage Team!

As the largest FMO in the Northeast, GarityAdvantage knows what you need to get ready for the next AEP and succeed in the Senior Market. Don’t miss this unique opportunity to learn from and network with the key players in the field. Register Today!

CONNECTICUT
Thursday, August 2nd, 2018
9:30 AM – 3:00 PM EDT
Aqua Turf Club, 556 Mulberry Street, Plantsville, CT 06479

 

MAINE/NEW HAMPSHIRE
Thursday, August 16th, 2018
10:00 AM – 4:00 PM EDT
The Westin Portland Harborview, 157 High Street, Portland, ME 04101

 

MASSACHUSETTS/RHODE ISLAND
Wednesday, August 22nd, 2018
9:30 AM – 3:00 PM EDT
Plainridge Park Casino, 301 Washington Street, Plainville, MA 02762

 

Watch last year’s Expo highlights! 

 

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Check out other news from Garity here.

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