Are you ready for the Open Enrollment Period (OEP)?
When is OEP?
January 1 through March 31 each year.
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
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
Market to dual-eligible and low-income subsidy (LIS) beneficiaries who, in general, may make changes once per calendar quarter during the first nine months of the year
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 2023. Below is a link to a helpful carrier information sheet courtesy of Aetna to further clarify the do’s and don’ts you need to follow to ensure you remain compliant.
Thank you for all of your hard work this Annual Election Period.
Please follow these reminders to make sure your final selling days go smoothly.
ENROLLMENT DEADLINES
Per CMS, as an agent, you must receive and sign the consumer’s AEP enrollment application No Later than Wednesday, Dec. 7, 2022 to fulfill AEP election.
All Enrollments MUST BE *Received at GarityAdvantage or directly to the carriers NO LATER THAN the guidelines below.
If you sell D-SNP plans, you are eligible for an additional $125 for every NEW D-SNP plan.
Great News for the start of AEP!
Anthem broker incentive for completing the Health Risk Assessment (HRA) for NEW D-SNP plans is increasing from $100 to $125!*
IMPORTANT
*These changes begin with NEW D-SNP plans effective December 1st, 2022 and apply to all AEP DSNP HRA’s that have already been submitted for 1/1/2023 effective dates.
Each HRA must be completed and electronically submitted at the point of sale using Anthem’s mProducer.
If you are not submitting via mProducer, download the DSNP HRA fillable PDF form and submit it to the email address below within 7 calendar days from point of sale in order to qualify for payment: EMOsalesinitiatedhra@anthem.com
Reimbursement payments of $125 per HRA will be processed once the new D-SNP application is approved and the new member is active and will be paid within 60 days of the policy’s effective date.
HRA completions for current members moving to or switching between D-SNP plans are not eligible for payment.
Reimbursement payments will be included in commission statements.
Advantages for your Clients:
Encouraged by CMS as a way to identify and close the gaps in care and quality
Information contained in the HRA helps us improve access to care and affordability
Members are more likely to receive the care they need in the right setting for both preventive and chronic medical conditions
BCBSRI & GarityAdvantage Agencies invite you to join us for an in-depth webinar training on BCBSRI’s 2023 Medicare Portfolio. There are new benefits, premium reductions, and lots of enhancements to discuss!
All BlueCHiP for Medicare premiums reduced
New Low-Cost generic inhalers being moved from Tier 3 to Tier 2
New Dental included on all plans
Enhancement Insulin savings program – Copays reduced to $20 (30-day supply)
BlueRI for Duals DSNP- enhanced Rx, dental, grocery benefit and More! Join us to learn more!
Join Garity Advantage Agencies, Senior Territory Manager, Jeanette Natale, and Cigna HealthSprings’s, Broker Manager, Comie Stallmeyer, for a deep dive into their 2023 product portfolio including expansion into two new counties: Middlesex and Litchfield!
Join GarityAdvantage Sr. Territory Managers Kim Sanzo (VT) and Susan Young (NH) along with Bob Stocker, Humana’s Broker Relationship Manager for VT and NH as they take a deep dive into 2023 products, exciting new benefit enhancements, network improvements and expansion plans for 2023.
More plans. New benefits. Lower costs. Endless opportunities
Bob Stocker
Kim Sanzo
Susan Young
Plus, find out about all the additional support that Garity agents will be getting this AEP including:
Top CMS commissions (own your own book)
Year-round access to free leads and co-op marketing programs to help you sell
Access to the latest technology – CRM, market data and the top virtual quote and enroll tools on the market
Agency building support – all you need to build your business
Personalized agent collateral to market yourself to prospects
GarityAdvantageis a National Marketing Organization (NMO) for the top local, regional and national Medicare carriers.We approach our role with brokers a bit differently than our competitors – as we provide local market teams to work with you side-by-side to ensure you succeed.
This allows us to actively develop targeted lead programs and local market opportunities to help you prospect and sell as well as deliver personalized training, ongoing marketing support and co-op funding to support your specific needs. We also offer the latest tech tools to help manage your business including efficient lead calling tools, agent dashboard, and a virtual quote and enrollment platform. Rounding out our support is a back office team helping you every step of the way with contracting, commissions, enrollments and compliance. Plus, all broker commissions are paid directly to you. You get the whole pie, not just a piece of it! Call us today to learn more or request your contract now.
Essence Healthcare’s Medicare plan previews for 2023 have been released. Preview the 2023 MA/MAPD products and learn about these portfolio-selling opportunities in your state.
NEW IN AR, IN, OH, KY & GA!
Essence is making their largest plan growth investments in history. These investments will generate more leads, improve close rates and reduce disenrollment.
2023 Highlights:
Flexible Benefits Cards
Healthy Foods
Improved Comprehensive Dental
Personal Emergency Response Systems
Reduced Copays
New $0 HMO and PPO Plans in Existing Service Areas
Did you know… GarityAdvantage provides contracted agents with no-cost and co-op lead programs, live and virtual training, personalized marketing collateral, client retention programs, and a knowledgeable team to help you every step of the way. Be sure to request your contracting today to gain access to these valuable marketing tools – plus all the service and support
*THESE MATERIALS ARE STRICTLY FOR AGENT USE ONLY, AND ARE NOT INTENDED FOR THE GENERAL PUBLIC. ANY DISSEMINATION OF 2023 PLAN PREVIEWS PRIOR TO OCTOBER 1, 2022 IS STRICTLY PROHIBITED.
Join Theresa Gontarek, National Director of Sales at GarityAdvantage, and Sylvester Hebron, Broker Relationship Manager from Cigna, LIVE IN RICHMOND as they rollout 2023 plan details plus all the reasons you should partner with Cigna and GarityAdvantage this AEP.
Come hear about the New and Innovative 2023 Benefits!
$20,000 Dental Benefit
Cigna Healthy Today card
Utility allowance
Grocery allowance
Pet allowance
Fitness allowance
Reduction in Cost-Sharing in Dental, Vision, and Hearing
Did you know… GarityAdvantage provides contracted agents with no-cost and co-op lead programs, live and virtual training, personalized marketing collateral, client retention programs, and a knowledgeable team to help you every step of the way. Be sure to request your contracting today to gain access to these valuable marketing tools – plus all the service and support
Dwight Michael “Dewey” Evans (born November 3, 1951) is an American former professional baseball right fielder and right-handed batter who played with the Boston Red Sox (1972–1990) and Baltimore Orioles (1991) in Major League Baseball (MLB). He was a three-time All-Star, won eight Gold Glove Awards, and won two Silver Slugger Awards. Evans played the second-most career games for the Red Sox of any player, surpassed only by Carl Yastrzemski.
Join Kim Sanzo, GarityAdvantage’s Senior Territory Manager for
NY & VT along with Judy Gee and Bob Stocker, Humana Broker Relationship Managers for New York and Vermont as they roll out details about exciting new benefit enhancements, network improvements and expansion plans for 2023.
More plans. New benefits. Lower costs. Endless opportunities
Did you know… GarityAdvantage provides contracted agents with no-cost and co-op lead programs, live and virtual training, personalized marketing collateral, client retention programs, and a knowledgeable team to help you every step of the way. Be sure to request your contracting today to gain access to these valuable marketing tools – plus all the service and support
