Category: Carriers

Carrier Announcements

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.

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.

Hot New Product Alert!

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GerberLife

Whole Life Insurance for Adults 50 to 80 Years Old
Introducing, Gerber Life Insurance’s brand new Simplified Senior Life Insurance. Help your clients protect the future with the whole life insurance specifically designed for Seniors.
Simplified Senior Life Insurance offers up to $100,000 in coverage to clients, age 50 to 80 years old, who want to add to the coverage they already have, or buy their first life insurance policy. Helping your clients find peace of
mind.
Product Highlights:
  • Whole Life – Immediate Death Benefit
  • Simplified Issue (not to be confused with the longstanding Guaranteed Issue Product)
  • Coverage Amounts: Minimum $25,000 / Maximum $100,000
  • Medical Exam not required for ages 70 and under
  • Download the Gerber Life “Agent Zone” mobile app to get rates – available on your device’s App Store
  • Download the Product Reference Guide
  • Consumer Brochure
*Please note: Gerber Life Insurance is approved in all states except New York.
Start selling now to participate in the Cross-Selling Incentive Program running through December 31st. Details…
Then, stay tuned for a brand new Gerber Life Incentive Program coming in January. Watch your email for details!
Contact me for more information.
Jane Feit
Ancillary Products Manager
800-234-9488
jfeit@garityadvantage.com

3 Quick Steps to More Commission Dollars

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Are you maximizing your time—and commissions—at each and every Medicare Advantage appointment? 

Hospital Indemnity can be an easy ancillary sale once you know how to incorporate it into your Medicare Advantage appointment.

Jane Feit, Ancillary Products Manager, has created a short and concise 3 minute video that gives you the 3 Quick Steps you need to get started selling GTL Hospital Indemnity and start making an extra $300-$500 per week!
 

Jane Cartoon

GTL Video

GTL

Simple, right?
Contact Jane if you have any questions about the tips you just heard.
 
Ready to get started?
First, you need to get contracted! Submit today and be ready to cross-sell at your next Medicare Advantage appointment.
 
Then, log in to GTL’s Agent Connection to access all the sales tools you need at your next Medicare Advantage Appointment.

Selling CarePartners of Connecticut just got easier!

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CCheck out and use CarePartners of Connecticut’s new Consumer Video explaining their groundbreaking Circle of Care concept in your next client meeting.

CarePartners of Connecticut’s Circle of Care is designed to provide your clients with better access to health care, service, information, and outcomes. This video provides a simple, easy to understand explanation of how the Circle of Care works, how your client’s PCP takes on the role of care coordinator and how all those in their circle – specialists, imaging centers, hospitals, and diagnostic labs – work hand-in-hand with the same consistent focus on ensuring healthy outcomes.
Download the video or copy the link to play during your next appointment.
If you have any questions or need help, please contact us.

Virginia Medicare Advantage Market

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LEADS | SELLING TOOLS | EXPERT SUPPORT

  • The Virginia Medicare Advantage Market is EXPLODING
  • UHC’s New DUAL ELIGIBLE SNP is driving rapid growth statewide.
  • We have COMPLIMENTARY LEADS for qualified producers.

GarityAdvantage Agencies is a National Field Marketing Office (FMO) for UnitedHealthcare and most other Medicare carriers in the Virginia 

Did you know?
  • Virginia has 188,000 Dual Eligibles
  • 1% Dual Market Penetration
  • UnitedHealthcare offers a Dual Plan in All Counties
  • Clients eligible for Dual Special Needs Plan (DSNP) can enroll in plans any time of the year without a special election period and are the fastest growing Medicare plan segment.

GarityAdvantage is committed to maximizing your sales growth year-round. We want to talk to you about this opportunity and give you tools to succeed in the market. Contact Bob to find out more today!

Contact Bob Mager

Request a Contract

In addition, contact Bob to find how to:
  • Leverage age-in sales to keep you in front of qualified prospects throughout the year.
  • Double your MA commissions by offering your MA clients Hospital Indemnity plans.

Now is the time to take your business to the next level.

 

Bob Mager

Director of Sales, GA & Southeast Region

GarityAdvantage Agency

678-920-0633

Ameritas Dental and Vision & Anthem Inc Webinar

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Ameritas

Join us for a Double Online Training with Anthem, Inc. & Ameritas Dental and Vision
A one, two webinar punch! Heavyweights Steven Muir, National Broker Sales Manager, Anthem, Inc., and Bryan Derheim, Regional Managing Director – Ameritas Dental and Vision are teaming up for this special web-based training…
Cross Sell Medicare Supplements and Dental/Vision Plans
  • Learn More- Find out how to effectively cross sell a Med Supp with a Dental/vision Plan (use our simple Scope of Appointment method)
  • Earn More – New short-term incentives have just been announced for brokers who sell Anthem Medicare Supplements! $150-$300 per application bonus! (not available in NH or VA) Plus, earn an extra $100-$150 per client by adding a Dental and/or Vision sale!
  • Do More – Plan your strategy to boost your sales with Ancillary products from GarityAdvantage. Access our webinar archives to find products and opportunities
Any questions, please contact us
GarityAdvantage Agencies
800-234-9488

 

A NEW MA CARRIER COMING TO CONNECTICUT!

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CarePartners of CT
 
Hartford Healthcare and Tufts Health Plan and have joined forces to create a NEW insurance company offering Medicare Advantage products to Seniors in Connecticut. This newly formed joint venture brings the insurer, provider and patient together inside a unique model of care utilizing the best care practices developed by Tufts–the only 5-star plan in Massachusetts.
GET READY TO SELL!
If you haven’t already done so, the time to act is NOW to complete your contracting to sell CarePartners of Connecticut (CPCT) Medicare Advantage products for this upcoming AEP.
 
 
 
PRODUCT DETAILS
At launch, CPCT will offer three premium products across six counties. The initial network features integrated relationships with over 3,000 physicians and 11 hospitals delivering a model designed to empower physicians to manage care.
-$0, $29, and $89 premium products
-$0 PCP and $5 lab visits on all plans
-$0 medical deductible on all plans
-No preferred or standard pharmacy
-84% of generics are Tier 1 & Tier 2
-Low or no Part D deductibles
-$0 copay for medication adherence checks
-Robust supplemental benefits including dental, vision, and hearing benefits on all plans
-$0 Silver Sneakers membership
 
 
JOIN US FOR PRODUCT TRAINING:
Wed., Sept. 19th, 1PM-4PM
Sheraton Hartford South Hotel
100 Capital Blvd., Rocky Hill, CT
 

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