Join us for an overview of Heartland National, now available nationwide. This webinar will cover Heartland’s Medicare Supplement plans and suite of ancillary products—including Cancer, Heart Attack & Stroke, Hospital Indemnity, and Short-Term Health Care. Learn how these offerings can help you provide comprehensive protection for your clients while staying engaged well beyond AEP. We’ll review plan highlights, rates, and selling opportunities.
GarityAdvantage is proud to partner with American Home Life, as we strive to offer another Hospital Indemnity option for your clients. American Home Life has been serving clients since 1909 and is currently available in 16 states, offering flexible plan options and competitive household discounts.
AHL’s IdealFlex Series Hospital Indemnity offers features your clients will want, including:
5 base benefits including emergency room, pet boarding, observation admission
10 optional riders including cancer, ambulance, critical accident
Supercharge your business with exclusive, compliant health leads. Join us on Thursday, January 8th, to learn how to connect with consumers in real-time as they are looking to speak with a licensed health agent about their Medicare options. Agents can target their ideal clients through our customizable direct mail pieces.
There is a lead type of any agent no matter their budget, schedule or experience working leads. PLUS – leads seamlessly flow into IntegrityCONNECT Clients allowing you to take advantage of the automated marketing to start connecting with them without ever having to log into the platform!
Wednesday, Dec. 24th – CLOSED Thursday, Dec 25th – CLOSED
Enrollment Processing Over Christmas Holiday
NOTE: Carrier deadlines for enrollments still apply.
Please plan accordingly as any enrollments sent to the enrollment department after 5:00 PM Tuesday, December 23rd, will not be processed until Friday, December 26th.
Please note that while the office will be open on Friday, the 26th, staffing will be limited.
To ensure compliance with CMS enrollment time-frames, you should always submit your enrollments the day they are received. This requirement becomes especially important now because CMS requirements Do Not allow additional days for weekends and holidays.
Please use the links below for alternate application submission options after 5:00 PM Tuesday, December 23rd.
For enrollments that are NOT time-sensitive, our Agent Dashboard and Enrollment Fax lines are open 24 hours to accept your enrollments. We will resume processing again on Thursday, December 26th.
Are you ready for the Open Enrollment Period (OEP)?
January 1 through March 31 each year.
Please see updated rule regarding DSNP and LIS eligibles below.
Who is Eligible
Individuals enrolled in an MA-Only or MAPD plan CAN:
Use the OEP to switch to or get a different MAPD plan, an MA-only plan, or Original Medicare (with or without a PDP).
Individuals enrolled in Original Medicare CANNOT:
Use the OEP to join an MA or MAPD plan, add a PDP, or change their PDP.
In addition, the OEP is not available to those enrolled in Medicare Savings Accounts or other Medicare health plan types (such as cost plans or PACE).
Broker Do’s and Don’ts
Producers May NOT:
Send unsolicited materials advertising the ability/opportunity to make an additional enrollment change or referencing the OEP
Send marketing that encourages OEP inquiries, such as, “Unhappy with your current plan? “
Specifically target beneficiaries who are in the OEP because they made a choice during AEP, by purchase of mailing lists or other means of identification
Engage in or promote agent/broker activities that intend to target the OEP as an opportunity to make further sales
Call or otherwise contact former enrollees who have selected a new plan during the AEP
Use marketing pieces that highlight the OEP or the opportunity to change plans during the OEP
Make assumptions on which election period to use.
Producers May:
Educate consumers about the OEP if you are enrolling them into a plan, or they have reached out to you about their dissatisfaction with their current plan
At a beneficiary’s proactive request, send marketing materials, have one-on-one meetings, and provide information on the OEP
Market to age-ins (who have not yet made an enrollment decision)
Market to five-star continuous enrollment Special Enrollment Period when 5 Star Plan are available in your area
UPDATED: Market to dual-eligible and low-income subsidy (LIS) beneficiaries in states where the new integrated care SEP is applicable. More information in our DSNP Guide.
Include general information on your website about enrollment periods, including OEP
PRODUCERS MUST:
Determine if the consumer has a valid election period and which election period is best for the consumer’s circumstances.
We hope you take advantage of this additional enrollment period happening in Q1. Below is a link to a helpful guide to refer to and ensure you remain compliant.
We are thrilled to announce that2026’s Medicare 101 slide deck is now updated and available in multiple languages, enabling you to effectively connect with a wide range of clients. These files also offer customization, allowing you to personalize each deck with your contact details or agency information, enhancing your outreach and connection efforts.
Available Languages:
English
Chinese (Mandarin)
Japanese
Korean
Russian
Spanish
Vietnamese
GarityAdvantage is a National Marketing Organization (NMO) for the top local, regional and national Medicare carriers. We support our brokers with personalized training, unlimited co-op marketing dollars, a virtual enrollment platform, personalized marketing collateral and exceptional support throughout the year. Plus, all broker commissions are paid directly to you. You get the whole pie, not just a piece of it! Request a contract today!
We are excited to share the updated English Medicare 101 Presentation with 2026 costs! This essential presentation has been refreshed with the latest information from CMS to help you serve clients even better this AEP, and beyond.
GarityAdvantage is a National Marketing Organization (NMO) for the top local, regional and national Medicare carriers. We support our brokers with personalized training, unlimited co-op marketing dollars, a virtual enrollment platform, personalized marketing collateral and exceptional support throughout the year. Plus, all broker commissions are paid directly to you. You get the whole pie, not just a piece of it! Request a contract today!
In observance of Thanksgiving, GarityAdvantage Agencies will be closed on Thursday, November 27th and Friday, November 28th.
Additionally, our office will close at 1pm on Wednesday, November 26th with the exception of our enrollment team who will be processing apps 9am-4pm EST.
Note: Carrier deadlines for enrollments still apply.
WHAT YOU NEED TO KNOW:
Medicare enrollments dated before Thursday, November 27th MUST be sent to us no later than Wednesday, November 26th, during the hours of 9AM-4PM EST.
Wednesday enrollments sent after hours on
Thursday risk of being LATE to the carrier.
Our enrollment team will be working limited hours on Fri (11/28), Sat (11/29), and Sun (11/30). We recommend that you process your applications through IntegrityCONNECT or carrier portals to ensure they are submitted compliantly.
To make sure that CMS enrollment timeframes are followed, you should always submit your enrollments the day they are received. This requirement becomes especially important now because CMS requirements DO NOT allow additional days for weekends and holidays.
Please use the links below for access/directions how to submit your applications through IntegrityCONNECT or the carriers directly after 4:00PM EDT Wednesday, November 26th.
Join these quick IntegrityCONNECT trainings to streamline your workflow and boost results.
Dear {$firstName!”Agent”},
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Additional coverage — including ERISA and vicarious liability for life, health and annuities
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Protect your business and save big with this exclusive offer. Apply for Integrity E&O Insurance today!
As a reminder, you need to have your own independent E&O policy to ensure that you meet carrier requirements while maintaining full control over your protection. It is a smart way to safeguard your business and provide peace of mind for the unexpected. We are excited to bring this to you for a price you can’t get anywhere else!
Have questions or curious about how GarityAdvantage can help you grow your Medicare business?Contact Tori or Jessie!
GarityAdvantage is a National Marketing Organization (NMO) for the top local, regional and national Medicare carriers. We support our brokers with personalized training, unlimited co-op marketing dollars, a virtual enrollment platform, personalized marketing collateral and exceptional support throughout the year. Plus, all broker commissions are paid directly to you. You get the whole pie, not just a piece of it! Request a contract today!
Have Question? New to GarityAdvantage? Contact Tori or Jessie to learn more about expanding your portfolio and working with GarityAdvantage.
GarityAdvantage is a National Marketing Organization (NMO) for the top local, regional and national Medicare carriers. We support our brokers with personalized training, unlimited co-op marketing dollars, a virtual enrollment platform, personalized marketing collateral and exceptional support throughout the year. Plus, all broker commissions are paid directly to you. You get the whole pie, not just a piece of it! Request a contract today!
