Carriers

Carrier Announcements

Foresters Webinar January 2020

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Foresters Webinar 1.28.20

Final expense is a key product to offer senior clients AND a great follow-up strategy for recent Medicare sales. With AEP behind you, now is the time to reconnect with all clients about the peace of mind they can achieve by securing a Final Expense plan.

Join GarityAdvantage on Tuesday January 28th from 11AM-12PM EST as we sit down with Jeanne Gazlay, CLU, ChFC, MSFS, FLMI – National Sales Specialist – Foresters Financial to drill down into the key features and cross selling opportunities available through their Foresters PlanRight Final Expense plan.

Foresters recently overhauled the PlanRight plan to strengthen its value to policyholders and deliver more benefits including:
  • RE-Price of all base coverage plans using 2017 CSO Tables
  • 3 new plan types available:
    • PlanRight Preferred (level death benefit)
    • PlanRight Standard (level death benefit)
    • PlanRight Basic (graded death benefit)
  • Rider Updates – riders included with no extra premium:
    • Accelerated Death Benefit Rider (for Terminal Illness) added to Preferred and Standard Plans
    • Family Health Benefit Rider added to PlanRight Preferred, Standard and Basic Plans
  • Updated application and more!

More and more brokers from across the country are discovering the exceptional earnings potential of final expense insurance – have you? Join us on next week for this informative Webcast to learn more about Foresters PlanRight plan and how Final Expense can fit into your 2020 strategy.

Tuesday, January 28th
11:00 AM – 12:00 PM EST

REGISTER HERE

Check out Foresters on our website:

Foresters Materials

Contract Online through SuranceBay:

Foresters Contract

Oxford Life Announcement

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New Partnership Oxford
Our Final Expense Portfolio Now Includes

Oxford Life Insurance Company

“Our mission is to provide products and
services promoting financial security to
individuals that will enable them to live
with dignity in their retirement years.”
~ Oxford Life Insurance Company

Oxford Life Insurance Company

Excellent financial ratings, a long track record of caring for their policy holders, and a host of financial products specifically designed to meet the needs of seniors make Oxford Life a strong partner in helping your clients achieve their retirement goals.

Oxford Life offers brokers competitive commissions, flexible advance policies and a comprehensive agent portal to facilitate the ease of writing business including a mobile app, online calculators, downloadable forms and more…

Request a Contract

LEARN MORE!
Join us for an informative Webcast focused on:

Why Oxford Life Final Expense?

  • InstaWriteSM Point-of-Sale Decision
  • Among the LOWEST rates in the industry
  • Up to 9 Month Commission Advance Available
  • Commissions Paid Daily via EFT
  • Issue Ages 50-85
  • Coverage from $5,000-$30,000
  • No Charge for Resident Appointment Fees
  • Product available in all states except – AL, MS, MT, NY, VT, WV

    Wednesday, January 22nd

    11:00 AM – 12:00 PM EST

REGISTER

OEP: Do’s and Don’ts

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Are you ready for the Open Enrollment Period (OEP)?
OEP Cheat Sheet

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.
red x
green check

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 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 2020. Below are links to carrier information sheets to further clarify the do’s and don’ts you need to follow to ensure you remain compliant. Happy New Year!
What is OEP
Educational Flyer
OEP Job Aid
Listen to UHC's Podcast for more in depth information!

Contact Broker Support if you have any questions!
800-234-9488
GarityAdvantage Agencies

Selling Med Supp: Strategies for Success (Webinar Rebroadcasts)

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Med Supp Web Rebroadcast
CT Expo Icon

Connecticut

  • 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
Watch Now
Request a Contract
MA RI Expo Icon

MA - ME - NH - RI

  • Med Supp product/market review for MA, RI, ME & NH
  • 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
Watch Now
Request a Contract
Virginia

Virginia

  • VA Med Supp product/market review
  • 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
  • Competitive advantages unique to Virginia
Watch Now
Request a Contract

Why Sell Medicare Supplements?

  • Great commissions AND high persistency
  • High renewal income potential
  • Helps create other sales opportunities
  • No red tape; no certifications; no set enrollment period
  •  
Medicare

10 Key Reasons to Work with GarityAdvantage:

  1. National FMO with access to the top carriers in your market
  2. Local broker support across New England
  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

Submission Deadlines for AEP 2020

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PLAN AHEAD!

Medicare AEP ends on December 7th!

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 Saturday, Dec. 7, 2019 to fulfill AEP election.

All Enrollments MUST BE *Received at GarityAdvantage or directly to the carriers NO LATER THAN the guidelines below. If submitting directly to carrier, all submissions need to be received by midnight on December 7th.

Please refer to our website for submission methods directly to carrier.

Carrier Name
(Med Advantage & PDP Only)

Deadline for Enrollments to be
Received at GarityAdvantage:

Aetna/Coventry

Monday, December 9th by 12PM (noon)

Anthem

Saturday, December 7th by 3PM

* Any enrollments taken later
MUST be faxed direct to Anthem:
PPO/HMO/DSNP: 800-833-8554
PDP: 866-342-7048
no later than 11:59PM on 12/7

(Please send a copy to our office for commission tracking)

BCBSRI

Monday, December 9th by 12PM (noon)

CarePartners of CT

Monday, December 9th by 12PM (noon)

Envision PDP

MUST be faxed direct to Envision:
844-645-0583
no later than 11:59PM on 12/7

Fallon

Saturday, December 7th by 3PM

* Any enrollments taken later MUST be emailed direct to Fallon: MedicareSalesBrokers@fallonhealth.org
No later than 11:59PM on 12/7

HPHC Stride HMO

Monday, December 9th by 12PM (noon)

Humana

Saturday, December 7th by 3PM

* Any enrollments taken later MUST be faxed direct to Humana:
877-889-9936
No later than 11:59PM on 12/9

Silverscript

MUST be faxed direct to Silverscript:
866-552-6205
no later than 11:59PM on 12/7

Tufts MA

Saturday, December 7th by 3PM

UnitedHealthcare

Saturday, December 7th by 3PM

Wellcare/ Today’s Options

Monday, December 9th by 12PM (noon)
Submit Through the Agent Dashboard

GarityAdvantage Fax: (781) 982-1887

For Other Carrier Enrollment Deadlines, Call Us: 800-234-9488

IMPORTANT REMINDERS:
• This year’s Annual Enrollment Period (AEP) ends Saturday December 7, 2019 and all AEP marketing efforts must cease after that date
• Beneficiaries that enroll after December 7th, must have a Special Election Period (SEP) or an Initial Election Period (aging in)
• We encourage you to check the enrollment status, carrier approval and enrollment effective dates of applications via the Carrier’s agent portals

Questions?
Call us: 800-234-9488

  Thank you for a successful AEP!
GarityAdvantage Agency
www.garityadvantage.com

December is Med Supp Month – Bonus Info

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Med Supp Heating Up

Did you know GarityAdvantage brokers sell more Medicare Supplement in the month of December than any other month of the year? The time is NOW to get your Med Supp selling strategy in gear and end the year STRONG!

Here’s How We Can Help:

Carrier Incentives $$

Carrier Incentives $$

Earn $25-$300 in bonus cash through carrier incentive programs! Check out programs from Aetna, Anthem, GTL and More! Details here…

Quote and Go!

Quote and Go!

Our Senior Market Quote Engine gives you fast and easy access to Med Supp pricing, benefits and online applications – give it a try:  Quote Engine

Sales Scripts, Webcast Training and Selling Tools

Sales Scripts, Webcast Training and Selling Tools

Garity has the tools you need to help you get your selling strategy off the ground. Check out our Medicare Supplement Solutions Toolkit 

No-Cost Leads and Calling Lists

No-Cost Leads and Calling Lists

GarityAdvantage can help get you get started with access to our 20,000 AEP leads and T65 Calling Lists. Combined, you’ll always have prospects to call! Call us for details at 800-234-9488.

Why Sell Med Supp?

  • Competitive Rates – Look at Plans G, N, F & High G after 1/1/2020. (Plan F is still available people who turned 65 prior to 1/1/2020)

  • No Networks/No Referrals – Clients have the freedom to see any doctor that accepts Medicare.

  • Many carriers are paying Lifetime commissions or have increased commissions as of 2020

  • Most Plans offer Extra Benefits – Gym memberships, vision discounts, hearing discounts, nurse helpline, etc.

If you’re not already contracted, get started here.

If you already have the contracts you need – what are you waiting for??

Need PDPs???

GarityAdvantage works will all major carriers offering prescription drug plans including Envision, Humana, Mutual of Omaha, Silverscript, UHC, Wellcare and more.  Request your contract(s) here.

Aetna’s 5-Star Plan in Maine is HOT!

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aetna HMO 5 star

Have you heard the news???
Aetna Medicare Value HMO is now a 5-Star Plan!
That means year-round sales for you!

CMS has released 2020 star ratings for Medicare Advantage plans and the Aetna Medicare Value Plan in Maine has achieved 5 Stars, the highest possible rating!

This rating reflects the commitment Aetna has made to the Medicare-eligible population in Maine to provide them with exceptional benefits and services they need to stay healthy.
When it comes to your clients’ health, you want the best health plan possible. Some of the key features of the plan include:

    • $0 premium in Southern and Mid-Maine counties
    • $0 annual medical deductible
    • Low PCP and Specialist Co-pays
    • Annual Allowance for comprehensive & preventive dental services
    • $50 per quarter for OTC items
    • SilverSneakers fitness benefit
    • Travel Advantage benefit and more!

5-Star Special Enrollment Period

Having a 5-Star plan opens new doors to your selling efforts throughout the year. Click here to learn how and when you can offer the Aetna Medicare Value Plan before, during and after AEP!

5 Star Special Enrollment Period Guideline

Download the 2020 Star Ratings sheet and insert into your enrollment kits and offer this plan today!

2020 Star Ratings Sheet

As a broker in the Maine market, you need to have

Aetna as part of your Medicare Advantage portfolio.

New to Aetna?

Get Contracted

Contracted with Aetna through another FMO?

Move to Garity

GarityAdvantage is the largest Medicare FMO in New England and can offer you the personal service and tools you need to succeed, from targeted product and sales training, to best-in-class marketing services (including our $1,000 co-op marketing program) to free leads during AEP and exceptional support throughout the year. Our brokers are paid full commissions directly by the carriers and own their renewals. Let us help you succeed!

Envision Contracting is Closing!

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Time Running Out (1)

THIS IS YOUR LAST CHANCE!

Envision has just informed us that on Friday, November 15th they are closing the onboarding window for new agents until further notice. ACT NOW if you want to obtain the ability to sell one of the lowest cost PDP’s in the nation featuring the highest commissions allowable by CMS ($78 New / $39 Renewal)

Why EnvisionRxPlus?

  • Envision is an independent PDP provider with a low cost plan ($13.70 – $14.20/mo.)
  • They do NOT offer MA―so no worries about them cross selling your PDP Clients!
  • Easy access to supplies and all forms are easily downloadable from their website
  • They are small and highly responsive to brokers
  • Envision pays the maximum allowable commission by CMS – $78 New / $39 Renewal

Learn More and Request Contracting TODAY!

Request a Contract
2020 Benefit Plan

Available in: AL, CA, CT, DE, DC, GA, IN, KY, ME, MD, MA, MI, MS, NH, NY, NC, OH, OR, PA, RI, TN, TX, SC, VA, VT, WA, WV

Reach out to our Broker Support Team if you have any questions.

GarityAdvantage Insurance Marketing Agencies

800-234-9488 | email | web

Are changes in the PDP market driving you crazy?

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PDP Crazy2

Are changes in the PDP market driving you crazy?

You are not alone! A lot has happened in the Prescription Drug Plan (PDP) market over the past year. Here are just a few of the biggest trends:

  • Big carriers buying and selling plans
  • Millions of members getting word that their PDP is with a different carrier
  • Significant plan changes across the industry requiring more members to make decisions on where to go in 2020
  • Agents being left out of the selling process due to carrier’s referring YOUR members to THEIR internal sales teams
  • Supply ordering delays, enrollment submission snags and finding no-one available to answer your questions at the carrier.

Sound familiar? We have a solution we’d like you to consider…

Simplify your PDP selling with EnvisionRxPlus

  • Envision is an independent PDP provider with a low cost plan – $13.70-$14.20
  • PDP is their only product line
  • Easy access to supplies and all forms downloadable from website
  • They are small and highly responsive to brokers
  • Envision pays the maximum allowable commission by CMS – $78 New $39 Renewal

    Learn More and Request Contracting TODAY!

2020 Benefit Plan
Request a Contract

Available in: AL, CA, CT, DE, DC, GA, IN, KY, ME, MD, MA, MI, MS, NH, NY, NC, OH, OR, PA, RI, TN, TX, SC, VA, VT, WA, WV

It’s Not Too Late to Onboard With Envision!

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not too late

A lot has happened in the Prescription Drug Plan (PDP) market over the past year. The biggest news came when CVS purchased Aetna and, as a term of the sale, Aetna sold their massive PDP book of business to Wellcare—impacting over 2.5 million seniors. Now these PDP clients are receiving their ANOC letters informing them that their Aetna plan is now a Wellcare plan–causing many seniors to question their new carrier and how their drugs will be covered moving forward.

For brokers, this level of market disruption can be either a good thing or bad – all depending on how you respond when your clients come calling. At GarityAdvantage, we work with our agents to ensure they are properly positioned in the PDP market to take full advantage of this year’s migration.

CONTRACT WITH ENVISION

One carrier partner we want you to be aware of this season is EnvisionRx—an independent PDP provider who has established themselves as a key player in the low cost PDP market year after year. PDP is their only product line. They are small and highly focused, but growing fast and, unlike many of the big carriers, Envision pays the maximum allowable commission by CMS. Our agents have been pleased with both the broker support and the customer service they provide their members, leaving you more time to sell.

To help you best service your agents in the PDP space this coming AEP, we strongly suggest you take the Envision contract. Click here to view the benefits and the service area, and click this link to request contracting.

Best wishes for a successful AEP season!

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