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 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!
Beef up your knowledge of Humana’s 2023 Medicare Plans!
Join Jared Chute and Bob Stocker of Humana, along with Susan Young of GarityAdvantage, for this circuit training style webcast. Vendor representatives from Humana’s ancillary product suite will run through the circuit, weighing in on how you can help your prospects and clients use the benefits to get the most out of their Medicare plan.
This virtual training will help you navigate Humana’s extra benefits – knowledge that can land more leads and grow your retention rates! Please join us from the convenience of your remote location. Ample time included for Q&A.
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, an agent dashboard and MedicareCENTER, 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.
By now, we all understand the importance of HRAs. HRAs help the member, the agent, and Elevance Health. Everyone benefits from HRA submissions.
But did you know that HRA submissions can also apply to existing members?
If your current member doesn’t have an HRA on file OR their HRA is over 12 months old, now you can Submit or Update an HRA and earn Extra!
D-SNP Plans – Earn $125 for each HRA submitted
Non-SNP Plans – Earn $50 for each HRA submitted
Elevance Health invites your agents to verify that there is a current (within the last twelve months) HRA on each client. If your agent has a client with an outdated HRA, or no HRA at all, a new HRA can be submitted, and the reimbursement will be paid to your agent just like it is with a new enrollment. Please forward the process to your agents so they can check on their clients as soon as possible.