Where to Submit Enrollments*:
Via MedicareCENTER – Garity’s Virtual Enrollment Platform
MedicareCENTER Log In
MedicareCENTER Tools & Support

Via the Agent Dashboard
Log in to our Agent Dashboard to Upload and Track your enrollments. Watch the video to learn how.

Via Carrier Online Enrollment Tools/Apps
Visit our grid to access carrier direct enrollment app links and user guides.

Via Fax: 781-982-1887
Faxing: Please be sure to include an Enrollment Cover Sheet for each application.
Use a separate cover page for each enrollment.

To the Carriers Directly via Fax or Email

All Medicare Advantage and PDP enrollments should be submitted electronically. Do not mail the originals.

Important Downloads:

Need help on a submitted enrollment? Submit an Enrollment Inquiry Request Here

Application Submission Time-Frames

**ALL APPLICATIONS MUST BE SIGNED & DATED PRIOR TO THE REQUESTED EFFECTIVE DATE**

Carrier Name/ Product Type	Fax Number/ Email Address	# of Days Garity has to submit applications to the carriers	Additional Notes
Aetna-MA - MAPD (HP)	(888) 554-7668	2
Aetna-MA - MAPD (MA & PD)	(866) 441-2341	2
Aetna-MA - MAPD (NG, JV & DS)	(866) 756-5514	2
Aetna-MA - DSNP GA (US)	(844) 984-0393	2
Aetna-Rx	(866) 415-2232	2
Aetna Silver Script	(866) 552-6205	2
Aetna-Med Supp	(877) 380-2777	21
Aetna BOR Change	BrokerSupport@Aetna.com	2	*Must be received, by the carrier, prior to the requested effective date.
Anthem- HMO/DSNP/PPO	(800) 833-8554	3	Must be faxed per number listed on application
Anthem - PDP (CT Only)	(866)-342-7048	3
Anthem - PDP (CA & GA Only)	(800) 833-8554	3
Anthem - PDP (All Other States)	(800) 833-8554	3
Anthem-Extras	(877) 238-1107	3
Anthem-Med Supp	(844)-236-7967	7
Anthem BOR change	Senior_Salescomp@Anthem.com	3	*Must be received, by the carrier, prior to the requested effective date.
BCBSRI	Medicareenrollmentintake@bcbsri.org	3	All application types - if MUST fax use 1-401-459-5025
CCA - SCO ONLY	BrokerSupport@commonwealthcare.org cc to JDemos@commonwealthcare.org	3
Cigna-Med Supp	(877) 704-8186	21
Clover	Enrollment site: www.cloverhealth.com/en/brokers/plan-documents-enrollment Fax (732) 993-6650	2
Combined-Med Supp	(866) 545-8076	21
CTCare (Med Advantage)	medicarepe@emblemhealth.com	3
CTCare Medicare Supplement	Mail / Connecture Portal Only		Applications must be mailed in with first months premium OR via Connecticare broker portal. No applications can be submitted via email or fax.
Denver Health	dhmpsales@dhha.org	2
Emblem Health	(866) 890-7722	3
Eternal	Fax (866) 437-1627 or Agent Portal: broker.eternalhealth.com	24 - 48 hrs
Fallon	MedicareSalesBrokers@fallonhealth.org	3	*Must be received, by the carrier, prior to the requested effective date.
Fallon BOR Change	MedicareSalesBrokers@fallonhealth.org	3	*Must be received, by the carrier, prior to the requested effective date.
Fallon - Navicare SCO	ESR.mailbox@fallonhealth.org	3	*Must be received, by the carrier, prior to the requested effective date.
HPHC - Med Supp	Medicarebroker@Harvardpilgrim.org	7	*Must be received by the carrier no later than 7 days after the requested effective date
HPHC - STRIDE	Medicarebroker@Harvardpilgrim.org	3
Humana - D-SNP	(877) 889-9923	3
Humana - MAPD/PDP	(877) 889-9936	3
Health New England - Med Supp	sfernandes@hne.com	7
Kaiser	Apps can only be submitted via Sunfire		Per Kaiser - A broker can take a paper enrollment then submit through Sunfire
Mass Advantage	ONLINE ENROLLMENT ENCOURAGED. IF NEED TO EMAIL TO: brokers@massadvantage.com
MediGold	Fax (614-234-8622)
Molina	(844)-541-6848	3
Mutual of Omaha - PDP	(855)-867-6711	3
Optima	(757) 648-1367	3
UHC - SCO	(855) 250-2168	3	*Must be received, by the carrier by 1:00 P.M. on the last day of the month.
UHC - Restricted Plans	(888) 950-1169	3
UHC AARP - Med Supp	(888) 836-3985	21
UMASS / MASSADVANTAGE	ONLINE ENROLLMENT ENCOURAGED. IF YOU NEED TO EMAIL SEND TO: brokers@massadvantage.com
United American-Med Supp	(972) 569-3678	21
Virginia Premier	vpeenrollment@virginiapremier.com	3
Wellcare - MAPD	(866) 473-9124	3
Wellcare - PDP	(866) 388-1521	3
WellCare BOR Change		3	*Must be received, by the carrier, prior to the requested effective date.
WellSense	(866) 266-0802	3

2023 CARRIER SCOPE OF APPOINTMENT RULES

CARRIER	IS THE SCOPE OF APPOINTMENT FORM REQUIRED TO BE SUBMITTED WITH THE APPLICATION?	WILL A CMS APPROVED GENERIC SCOPE OF APPOINTMENT FORM BE ACCEPTED?	WILL ANOTHER CARRIERS’ SCOPE OF APPOINTMENT FORM BE ACCEPTED?	IMPORTANT INFORMATION
AETNA	YES	YES	Any CMS approved SOA
ANTHEM	YES	YES	NO
BCBSRI	NO	YES, BUT NOT REQUIRED	YES, BUT NOT REQUIRED
CCA	YES	YES	YES
CPCT	NO	YES, any generic/CMS SOA will be accepted.		Agents are required to maintain the SOA themselves for CMS required timeframes.
EMBLEM	YES	YES	YES
HPHC STRIDE	NO	YES, any generic/CMS SOA will be accepted.		Agents are required to maintain the SOA themselves for CMS required timeframes.
HEALTH NEW ENGLAND	YES	YES	NO
HEALTHFIRST	YES	YES	NO
HUMANA	YES – ONLY IF A HUMANA SOA HAS BEEN COMPLETED.	YES – DO NOT SUBMIT TO HUMANA. AGT SHOULD KEEP ON RECORD FOR 10 YEARS	YES – DO NOT SUBMIT TO HUMANA. AGT SHOULD KEEP ON RECORD FOR 10 YEARS	Yes, CMS requires we accept any carrier/generic SOA. We want to advise agents they SHOULD send us their Paper Humana Scope of Appointments. Humana will retain these for the 10 year timeframe. If a non-Humana SOA is used, the agent shouldn’t submit those to Humana but we need to let them know it is their responsibility to keep record of them for 10 years.
MEDIGOLD	YES	YES	NO
OPTIMA	NOT REQUIRED	YES		AGT MUST KEEP SOA RECORD FOR 10 YRS PER CMS COMPLIANCE.
TUFTS	NOT REQUIRED	YES, any generic/CMS SOA will be accepted.		Agents are required to maintain the SOA themselves for CMS required timeframes.
UHC	NOT REQUIRED	YES	YES
VA PREMIER	YES	YES	YES
WELLCARE	YES
WELLSENSE	NO – encouraged, but not required	YES	YES

2023 BROKER OF RECORD CHANGE RULES

CARRIER	ARE BOR/AOR CHANGES ACCEPTED?	DOES THE CARRIER REQUIRE A SPECIFIC FORM TO BE COMPLETED?	WILL THEY ACCEPT A HAND WRITTEN LETTER FROM THE CLIENT?	WHAT IS REQUIRED ON THE MEMBERS HANDWRITTEN LETTER?	HOW & WHERE ARE THEY SUBMITTED TO?	**IMPORTANT INFORMATION
AETNA	YES	NO	YES, OR A CALL TO MEMBER SERVICES	MBR ID, NAME, BROKER NAME, NPN#	Email: brokersupport@aetna.com
ANTHEM MEDADV & PART D	NO LONGER ACCEPTS AORs for any MAPD/PDP plans	NO	YES	Member name & Policy#, new Agent name & encrypted ID. Must be signed and dated.	Email: senior_salescomp@anthem.com	The only way to become agent is if application was per plan change.
ANTHEM MEDSUPP & EXTRAS	YES		YES			Must be handwritten.
BCBSRI	NO	N/A	N/A	N/A	N/A	BOR changes are made when a member makes a plan change with a new broker.
CCA	YES	YES	NO		Email: brokersupport@commonwealthcare.org
CPCT	YES	YES, CPCT has a BOR change record form	A handwritten letter will be accepted.	Member name, ID#, Broker Name and NPN#	Email: MedicareBrokerSupport@point32health.org	Changes will be made eff 1st of the next month in which received (later can be requested as well, cannot be back dated)
CTCARE	NO	N/A	N/A	N/A	N/A
EMBLEM	NO	N/A	N/A	N/A	N/A
HEALTH NEW ENGLAND	YES	YES	NO		Email: sfernandes@hne.com	AOR Change Form can be submitted anytime during year, but HNE will only process for a Jan 1 effective date.
HEALTHFIRST					Submit specific inquiries to Nvidal@healthfirst.org
HPHC STRIDE	YES	Point32Health has a BOR change record form	A handwritten letter will be accepted	Member name, ID#, Broker Name and NPN#	Email to: MedicareBrokerSupport@point32health.org	Changes will be made eff 1st of the next month in which received them (later can be requested as well, cannot be back dated)
HUMANA	NO – see important information	N/A	N/A	N/A		A member wishing to change their AOR can call into member services to make the request. Those requests are evaluated on a case-by-case basis.
MEDIGOLD	YES	NO	YES	Name, Policy ID, Group#, Agent Name & Effective Date.	Fax to: 614-234-8622	When handwritten letter received, understand that commissions may not be paid in certain circumstances.
OPTIMA	YES	NO	YES	Member personal information and Member ID	Email: MABrokerSupport@optimahealth.com Include Agent Info and NPN#
TUFTS	YES	Point32Health has a BOR change record form	A handwritten letter will be accepted	Member name, ID#, Broker Name and NPN#	Email: MedicareBrokerSupport@point32health.org
UHC	NO	NO	N/A	N/A	N/A
UMASS / MASSADVANTAGE	YES	YES	NO		Email: BROKERS@MASSADVANTAGE.COM	Agents should request BOR Form from carrier.
VA PREMIER	NO	NO	YES	Member Name, Complete Address, Member ID, Current Agent Name, New Agent Name, Effective Date and Reason for Change.	Email: vpeenrollment@virginiapremier.com	BOR changes can only be submitted by the member
WELLCARE	YES		YES	Member Name, DOB & MBI#. New Broker Name & NPN. Physically signed & dated by member.	BOR Requests should be made via the broker’s/agency’s Workbench portal via a Workflow ticket.
WELLSENSE	As of 10/5/22 WellSense has not finalized their BOR policy.	Yes, specific form will be available once finalized.				If there are any questions in the meantime, contact: AgentAdmin@wellsense.org

CARRIER PCP RULES FOR 2023 ENROLLMENTS

CARRIER	PCP NAME REQUIRED?	PCP ID # REQUIRED?	IMPORTANT INFORMATION
AETNA	YES (required on HMOs)	YES (required on HMOs)
ANTHEM	YES (not required for PPO)	YES (not required for PPO)
BCBSRI	YES (not required for PPO)	ID NOT REQUIRED	If PCP is not on application they will need to call Concierge and select a PCP, this could impact their benefits (Enrollment will still process through CMS)
CCA	SCO & DSNP required, if not listed will be Auto Assigned. Other Plans are optional for 2023	ID NOT REQUIRED
CPCT	Requested, but not Required	Requested, but not Required	Missing PCP will not hold up enrollment; even for an HMO Plan, on a paper application. However missing PCP information will cause the enrollee to be auto assigned a PCP.
EMBLEM	YES	YES
HEALTH NEW ENGLAND	Baystate Health Pref HMO – PCP Required Other Plans, preferred but not required.
HEALTHFIRST	Required for all HMO apps. Not required for PPO’s	Required for all HMO apps. Not required for PPO’s
HPHC STRIDE	Requested, but not Required	Requested, but not Required	Missing PCP will not hold up enrollment; even for an HMO Plan, on a paper application. However missing PCP information will cause the enrollee to be auto assigned a PCP.
HUMANA	Required for all HMO apps. Preferred, but not required for non-HMO apps.	Required for all HMO apps. Preferred, but not required for non-HMO apps.
OPTIMA	Yes, required for all types of apps	Not required.
TUFTS	Requested, but not Required	Requested, but not Required	Missing PCP will not hold up enrollment; even for an HMO Plan, on a paper application. However missing PCP information will cause the enrollee to be auto assigned a PCP.
UHC	YES	YES
UMASS / MASSADVANTAGE	Yes, required for all types of apps	YES
VA PREMIER	Yes (PCP Name, Address, City, State, Zip, PCP ID)	YES
WELLCARE MAPD	YES, not required for non-HMO’s	YES, not required for non-HMO’s
WELLSENSE	Encouraged, but not required.	Not required.	If no PCP requested, carrier will Auto Assign
STAND-ALONE PDP PLANS	A PCP is not required on ANY Stand-Alone PDP plans	A PCP is not required on any Stand-Alone PDP plans	A PCP is not required on any Stand-Alone PDP plans

NEW MBI # RULES

CARRIER	OPTION 1	OPTION 2	IMPORTANT REMINDERS
AETNA	If an MBI is not provided the application will remain in a pending status for 30 days.	The client can also call CMS at that point to request the MBI.
ANTHEM	DO NOT LEAVE FIELD BLANK PROVIDE SSN	Member can call 1-800-MEDICARE to request new card copy	Agent can call Agent Support and request a MBI Lookup. First/last name, DOB & SSN needed for lookup
BCBSRI	Enrollment will pend as incomplete until we receive the MBI, client will be sent a letter for MBI
CCA	If MBI not available we will reach out to Garity to request enrollee’s SSN. CMS allows carries to search using First Name, Last Name, DOB & SSN.		If MBI not available we will reach out to Garity to request enrollee’s SSN. CMS allows carries to search using First Name, Last Name, DOB & SSN.
CPCT	Leave blank on the application, it will pend for 21 days before denial		Leave blank on the application, it will pend for 21 days before denial, if the applicant does not know their MBI
EMBLEM	Active Medicare needed to enroll	Emblem can check for MBI if provided with name, DOB & SSN
HNE	will pend for 21 days awaiting MBI	Client can call 1-800-MEDICARE	HNE can help client retrieve their med#
Healthfirst	Applicant should contact SS office	Applicant should contact SS office
HPHC STRIDE	Leave blank on the application, it will pend for 21 days before denial		Leave blank on the application, it will pend for 21 days before denial, if the applicant does not know their MBI
HPHC SUPPLEMENT	Leave blank on the application, it will pend for 21 days before denial		Leave blank on the application, it will pend for 21 days before denial, if the applicant does not know their MBI
HUMANA	MBI needs to be on the application. Contact SSA to gather that info before submitting application.
MEDIGOLD	Member given 21 days or until the eom in which they applied, whichever is later.		MediGold Enrollment will send a letter asking them for missing information. Letter will include a denial date.
OPTIMA	Provide the Medicare # with the effective date written on the confirmation letter from the CMS/SSA	They have to call Medicare (1-800- Medicare) to request a new one and get the Medicare #. Once the number is provided to us and to the application form, we will still verify the identity of the CMS site.
TUFTS	Leave blank on the application, it will pend for 21 days before denial		Leave blank on the application, it will pend for 21 days before denial, if the applicant does not know their MBI
UHC	Agent can call PHD at 888-381-8581 to request clients MBI#. Must provide basic client info.	Contact SSA to replace a lost Medicare card
UMASS / MASSADVANTAGE	Please call Broker Support at 508-868-0498 or 774-701-1411 to verify MBI#
VA PREMIER	We need a Medicare Award letter or MBI# to process application
WELLSENSE	Missing MBI#, Part A or Part B start dates are treated as missing information.		Applicant is sent a letter for the missing info.

FAQs

Q: What SEP should be used when a client’s current Medicare Advantage plan is being terminated in their county?
Q: What SEP should be used when a client is coming off their employer/group plan or their spouse’s employer/group plan (voluntarily or non-voluntarily)?
Q: What do I do if I am unsure of which election to use?

A: If you are not sure of what election you should be using, please refer to the Election Period Guidelines. If you are still unsure, call or email our enrollment department and we will be happy to assist you. It is never a good idea the “guess” what the election type is. If the wrong election is chosen the application can be denied by the carrier and a new application may be required to proceed.
Q: What about Scope of Appointment Changes?

CMS added requirements to the Scope of Appointment (SOA) regulation in 2011.

In addition to retaining a copy, agents will be required to fax or email a copy of the SOA directly to the Carrier. View SOA Rules.

All agents are required to fill out SOA forms and send them to the carriers prior to meeting with consumers– If it is not feasible for the scope of appointment form to be executed prior to the appointment, an agent may have the beneficiary sign the form at the beginning of the marketing appointment. However, the agent must document why it was not feasible to obtain the scope of appointment prior to the appointment. *Applies to all Scope of Appointment forms.

The Scope of Appointment Form is required for cancelled appointments, no-shows, appointments not resulting in an enrollment, etc.
Q: What is the average time for Medicare Supplement enrollments to become active?
Q: How do I submit Medicare and PDP enrollments?
Q: How do I submit Medicare Supplement enrollments?

No Live Check Live Check Mail

All Carriers Except HPHC Fax or Email Mail Y

HPHC Fax or Email N/A* N

* Please fax or email all your HPHC Medicare Supplement applications directly to our office to be processed. HPHC does not accept collection of first month’s premiums with their Medicare Supplement applications, members are billed after enrollment approval.

Medicare Advantage / PDP Enrollment Submission Chart

PRODUCT ENROLLMENT TYPE	EMAIL	FAX OK	ORIGINALS NEEDED (Must Mail)
HMO-HMO/POS	YES	YES	NO
RPPO	YES	YES	NO
PDP	YES	YES	NO
SCO	NO	NO	Original PSI Form Only

Medicare Supplement Enrollment Submission Chart

	No Live Check	Live Check	Mail
All Carriers Except HPHC	Fax or Email	Mail	Y
HPHC	Fax or Email	N/A*	N

* Please fax or email all your HPHC Medicare Supplement applications directly to our office to be processed. HPHC does not accept collection of first month’s premiums with their Medicare Supplement applications, members are billed after enrollment approval.

Enrollment Support Inquiry Request support on a specific enrollment