Humana's Online Well-Being Communities, Special Needs Plans, and More

Spread the word about Humana’s online well-being communities

Nowadays almost everyone is online and uses a social network to connect, including your clients. Social networking sites such as Facebook are not just for kids anymore. According to a recent report from Nielsen, the fastest growing demographic of users is age 55 and over.

Did you know Humana has well-being communities for Medicare members and Veterans on Facebook?

Click the links below to learn more about how Humana is connecting members on one of the most popular social networks. Don’t forget to like and share this valuable resource with your members.

What’s so special about Special Needs Plans?

With AEP behind us, now is a great time for agents to refresh their knowledge on Special Needs Plans. MarketPoint Retail Sales Learning and Development is pleased to offer several learning opportunities to help agents gain insight into these very important plans.

Check out the learning catalog for the following courses:

  1. What’s so “special” about Chronic Condition Special Needs Plans?
    1. Description: Learn from the Subject Matter Experts! This recorded Webinar highlights the many unique features of these plans including, A Day in the Life of a CSNP member, Product and Process Tips and the Top 10 reasons to sell these plans
  2. Did you Know Series for Special Needs Plans
    • Description: Top Performing Agents Share SNP Tips! This course includes a series of articles and videos on ways to expand your SNP membership.
  3.  Fundamentals of Chronic Condition Special Needs Plans (C-SNP)
    • Description: An online course to help you brush up on the Fundamentals of Chronic Condition SNPs.
  4. Fundamentals of Dual Eligible Special Needs Plans (D-SNP)
    • Description: An online course to help you brush up on the Fundamentals of Dual Eligible SNP)

Are you ready to get started?
Agents can use the Accessing SNP Courses in the Course Catalog job aid to locate these valuable training courses. Once finished, or if they are already familiar with these plans, agents can take a look at the SNP plans we offer in your market by accessing the 2017 Medicare Advantage Product Guide and Humana Market Highlight Guidebook (AP-818).

Have questions? Discover the answers with Ask Humana

This valuable tool provides simple, direct answers to frequently asked questions about enrollment, providers, billing, HumanaVitality, ID cards, and many other topics. The goal of Ask Humana is to deliver personalized self-service help to consumers via their channel of choice. With this innovative tool users can enter full questions, phrases and keywords into the bar to be matched to an appropriate answer.

Try it for yourself today, visit Humana.com and ask a question.

 

Please contact your Account Manager with any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

HCSC News: Retail QHP Deadline for Paying First Month's Premium Extended to Jan. 14

First Month’s Premium Deadline Now Extended to Saturday, Jan. 14
If your client’s deadline to pay the first month’s premium for 2017 coverage was Jan. 1, we are extending that deadline until Saturday, Jan. 14, 11:59 p.m. CT. Due dates past Jan. 1 still stand. Read about additional support for members making payments below:

OK

TX

IL

 

Please contact your Account Manager with any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

Mutual of Omaha's Updates for the New Year

Life

Help Your Clients Get ‘Fit’ in the New Year
Humana’s Fit underwriting credit program offers you many advantages for your clients. Learn who is eligible, what the lifestyle and medical criteria are, and how much it can save your clients in terms of premium.

Illustrating the Advantages of Income Advantage IUL
Your Winflex illustration software includes reports that show how Income Advantage can help provide additional income that can be used for college expenses and retirement. Learn why you should include these with your next illustration.

Long-Term Care

Advantages of Traditional LTC
A traditional LTCi policy remains a viable way for your clients to protect their assets from the cost of potential LTC services.

Disability

Tips for Selling DI – Young Couples: Important Prospects for Income Protection
Start the conversation about disability income insurance with young couples who have bought a home or are starting a family. It’s the best time for them to build a foundation of financial protection.

News

Technical Support Team Offers Assistance via Chat
You can connect with the Technical Support Team via a new “chat” feature available on Sales Professional Access.

 

Please contact your Account Manager with any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

Humana's Medicare Annual Disenrollment Period (ADP) & more!

Medicare Annual Disenrollment Period (ADP)

The Medicare Annual Disenrollment Period began January 1st and continues through February 14th. During this period members may choose to disenroll from their MAPD or MA plan and go back to Original Medicare. To accomplish this, the member must complete the disenrollment form or submit a written to request to Humana.

Members are also eligible to use a SEP to enroll in a PDP plan. Individuals may use the “ADP” SEP code subsequent to having submitted a disenrollment request or may simply enroll in a PDP plan resulting in automatic disenrollment from their previously-elected MAPD or MA plan and placing them back on Original Medicare. Please Note: Members cannot elect an alternate MAPD or MA plan during the Annual Disenrollment Period.

Members may also choose to purchase a Medicare Supplement to enhance their Original Medicare benefits during this time. Please Note: Members may be subject to underwriting as ADP does not assure a Medicare Supplement plan will be a guaranteed issue.

Individuals enrolled in a PFFS with no Rx plan must request disenrollment from that plan in order to be eligible for this SEP, as enrollment into a PDP plan would not result in the automatic disenrollment from the MA-only plan. If the member is currently enrolled in both a PFFS with no Rx plan and a stand-alone PDP, he or she will have to actually disenroll from the PFFS plan if they wish to return to Original Medicare.

Please remember to utilize the proper election period when completing applications. In addition, a Scope of Appointment (SOA) form is needed for each face-to-face and telephonic sales appointment.

All applications should be submitted within 24 hours of taking the signature.

Updated Consent Forms for Release of Protected Health Information (PHI)

The PHI Consent Form and the Revocation of PHI Consent forms have changed, effective January 1, 2017.  Humana/ CarePlus uses these forms so members can designate or revoke the ability of a family member, friend, or other Caregiver to interact with Humana/ CarePlus on their behalf.

NOTE: The Caregiver should not be confused with Power of Attorney.  A Caregiver is a friend or family member who has been granted access to the member’s PHI and has documented permission to speak on the member’s behalf.

What is different about the new forms?

  • Added required non-discrimination disclaimers and translations
  • Changed HumanaVitality to Go365

What do agents need to do?
Stop using the old forms immediately. Destroy old versions. Consider all types of the form, including:

  • Paper: Stop using the old forms immediately. Shred remaining paper copies.
  • Electronic: Delete old copies of the forms from your computer.
  • MAPA or FastApp: The PHI Consent form in these tools reflect the change so continue using enrollment tools as usual.

Begin using the new forms immediately.
The new forms are available beginning 1/1/2017 at Humana.com and CarePlusHealthPlans.com. For your convenience you may select the links below to download the updated forms.

Consent for release of protected health information (PHI) form

Humana (English) Humana (Spanish) CarePlus (English)

 

Revocation of consent for release of protected health information (PHI) form

Humana (English) Humana (Spanish) CarePlus (English)


What does this mean to the customer? 

The member will still have multiple ways to grant PHI access to another person. Whichever method the member choses, Humana/ CarePlus can provide information to the designated Caregiver(s) on the member’s behalf.  They can grant PHI access at the time of enrollment.

After enrollment, they will be able to add, change, or revoke consent in these ways:

  1. Online by accessing their myhumana.com account
  2. Online to Humana.com or CarePlusHealthPlans.com to print a form
  3. Call Customer Service at the number located on their Humana or CarePlus ID card to request a form

 

Please contact your Account Manager with any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

Humana's Mandatory 2017 Compliance Program Materials Are Now Available

Mandatory 2017 Compliance Program materials are now available

The 2017 versions of the following Humana Compliance Program documents are now available. You may access them by clicking the document links provided below, from the MarketPoint Learning Portal (secure) or from Humana’s Website: https://www.Humana.com/fraud.

You need to comply with these materials per the mandate of the Centers for Medicare & Medicaid Services (CMS) and your contract or appointed status with Humana. For your convenience, each document provides:

  • A page that outlines the key requirements
  • Notable changes from the 2016 versions

Note: Anyone supporting a contract with Humana who suspects or becomes aware of potential noncompliance and/or fraud, waste or abuse is required to report it immediately via one of the following methods that allow for confidentiality and anonymity:

Retain clients by conducting follow-up calls

Regular communication can strengthen the bond your agents have developed with your clients. The rest of the year (ROY) is the perfect time to conduct check-in calls to existing clients and add a touch of personal service.

Field agent 30-day follow-up talking points
A call during the first 30 days of enrollment is a great way for field agents to connect with clients and ensure they understand their plan and the benefits, as well as answer any questions. Below are some suggested topics to discuss as you talk with your clients.

  • ID card
  • New Member Orientation (NMO) date or alternative NMO process
  • Initial contact with their doctor
  • Importance of using network providers
  • The benefits of utilizing a preferred pharmacy or mail order (e.g. Humana Pharmacy)
  • Explain Health Assessment call to Enrollee
  • HOS/CAHPS survey (only January – May) reminder

For additional field agent conversation starters, review the first attachment above or the External Agent Member Retention Talking Points (AP-581).

Note: Humana wants to remind you that it is the responsibility of the GPA (Agent) to be aware of and comply with applicable state and federal laws and regulations, including but not limited to the Telephonic Consumer Protection Act, as well as Humana’s rules and provisions.  If GPA has a question or concern regarding state or federal regulation, GPA should consult a legal adviser.

Call center agent follow-up talking points: Because call center agents conduct business over the phone, Humana recommends similar talking points at 3, 30, 60, and 90 day intervals. The 2nd and 3rd attached documents are for call center agents and provide detailed guidance and helpful talking points.

Marketing opportunities exist beyond AEP

With approximately 11,000 consumers turning 65 everyday, your agents’ Medicare marketing strategy doesn’t have to end after December 7th. Enrollment opportunities for New to Medicare, Special Needs Plans and other Special Enrollment Periods allow your agents to market Medicare Advantage plans even after AEP has concluded.

Not sure what Humana has to offer in your market?
Take a look at our their Product Guide and the Market Highlight Guidebook and see how a Humana plan can benefit your clients. These resources feature some of their most attractive plans, and provide a quick and simple way to view information such as premium, copays and value added services.

2017 Medicare Advantage Product Guide

Humana Market Highlight Guidebook (AP-818)

Please note: These documents are for agent use only and may not be discussed with or distributed to customers or the general public under any circumstances.

Do you need marketing material? Check out Humana’s customizable flyers, letters and ads and more.
Humana is pleased to provide their valued partners with a comprehensive suite of over 100 pre-approved customizable marketing outreach materials for throughout the year. You can preview the AEP postcards, flyers, ads, letters, etc. in this link to the Humana Delegated Medicare Marketing Catalog.

Here’s how agents can access, customize and download the Medicare templates:

  • After signing onto Vantage through Humana.com, click “Customizable Materials” on the Sales & marketing card.
  • Click on “Individual” and then “Medicare”. Materials are categorized by type, such as $0 Premium or Age In/New to Medicare.
  • Each agent will see the materials relevant the plans they are contracted to sell and the states in which they are contracted.
  • Use the search functions on the left column to navigate or enter a document number or name into the search box at the top right.
  • If you’ve never used the Marketing Resource Center before, click on the Quick Start Guide on the home page in the “Support” box.

Non-renewing plan SEP enrollment reminders

Did you know beneficiaries who were enrolled in a plan that is not renewing for 2017 may still have the option to select a new plan after AEP?  From 12/8/16 – 2/28/17, beneficiaries affected by a non-renewing plan may enroll into another MA using the SEP-NON election period.

When meeting with people who have received a non-renewing plan notice, it is important to explain that if they choose not to enroll in another plan, beginning 1/1/17 they will not be enrolled in a Medicare Advantage plan.  Should they choose to enroll in another Humana/CarePlus plan, make sure that you use the correct election period.

AEP: Between 10/15 and 12/7, agents should have used the Annual Enrollment Period for members selecting a new plan to begin 1/1/17.

SEP-NON: Between 12/8 and 2/28, members affected by a non-renewing plan have a Special Enrollment Period that can be used only once.  The SEP-NON can be used even if the person made a plan selection during AEP.

Note: A plan non-renewal is the ONLY situation in which someone with ESRD may make a one-time election into another MAPD (same or different carrier).  All other eligibility requirements must be met.  The SEP to use in this case is non-renewal (SEP-NON) and is subject to the SEP-NON time frame availability.

*TIP:
After AEP, it is important to probe the client to determine if the SEP-NON has already been utilized as it is a one-time SEP.

 

Please contact your Account Manager with any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

Cigna's Medicare Deductibles, ARLIC Rate Adjustments, and More

2017 Medicare deductibles

View Cigna’s 2017 Medicare deductible letter which was sent to all customers. Look for their updated Outlines of Coverage on AgentView. Be sure to check the OC date in effect when you write the application.

ARLIC rate adjustments

American Retirement Life Insurance Company (ARLIC) Medicare Supplement plans are experiencing rate adjustments in the following states beginning on:

1/1/2017 – Illinois, New Hampshire, Wisconsin

2/1/2017 – Colorado

Click here to preview the ARLIC rate adjustments in each state listed above.

CHLIC estimated paper app and Express App release dates! 

 States  Paper sales Express App  Materials
CT Available for both paper and
Express App sales
Application Outline/Rates Brochure
KS Application Outline/Rates Brochure
MI Application Outline/Rates Brochure
TX Application Outline/Rates coming soon
NC Application Outline/Rates Brochure
IL Application Outline/Rates coming soon
KY Application Outline/Rates Brochure
MS Application Outline/Rates Brochure
SC Application Outline/Rates Brochure
IN Application Outline/Rates Brochure
OH Application Outline/Rates Brochure
GA Application Outline/Rates Brochure
PA Application Outline/Rates Brochure
AZ 11/18/16 3/27/17 Application Outline/Rates coming soon
AL 11/18/16 3/27/17 Application Outline/Rates Brochure

Paper app release dates

12/5/2016 – Accident Treatment in Connecticut, Minnesota

12/5/2016 – Accident Expense in Oregon

1/23/2017 Lump Sum Heart in Georgia

Earn leads by selling Cigna’s IWL final expense insurance

Qualify for 1,000 customer lead mailers each month when you meet the monthly minimum of $3,000 in issued annualized premium of Cigna’s IWL final expense insurance. For more information about Cigna’s new leads program, click here.

New brochures

Check out their product availability chart to see all of the products available in your state. Order the new materials now, using their supply order form or visit AgentView.

Please contact your Account Manager with any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

BCBS: Tips to Help Clients Pay the First Month's Premium and Payment Options Chart

Top 10 Tips: Helping Clients Pay the First Month’s Premium

The premium payment for the first month of coverage for qualified health plans (QHPs) must be paid for an application to effectuate. Here are some tips about paying the first month’s premium, including important deadlines that you should know, when helping those enrolling – and in some cases renewing – in 2017 QHPs. In addition to the tips, BCBS has the First Month’s Premium Submission Overview Chart that outlines all the ways your clients can submit that first payment.

Here are some tips about paying the first month’s premium:

First Month’s Premium Submission Overview Chart:

Consumer-Directed Health Plans: The Other Side of the Story
According to a recent survey by the Kaiser Family Foundation, more than a quarter of employers offer consumer-directed health plans. The upshot: workers could spend less overall, between premiums and out-of-pocket costs, says Tom Meier, their vice president of market solutions.

Texas Legislative Digest, Post-election Edition, Issue 5 — TX 
In this post-election edition of the Texas Legislative Digest, learn more about what happened in the state’s political races and pre-filing of legislation for the 2017 legislative session.

2017 Medicare Supplement Benefit Mailing
The annual Medicare Supplement benefit mailing has dropped. Review these FAQs to help address members’ questions.

Please contact your Account Manager if you have any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

Cigna's Final Expense Insurance

Increase sales with Cigna’s final expense insurance

Here’s an opportunity for agents to earn free leads every month by selling Cigna Individual Whole Life (final expense) insurance, insured by Loyal American Life Insurance Company – with no end in sight.

  • Qualify with a $3,000 in issued annualized premium per month of final expense
  • Earn 1,000 lead mailers
  • Program now under way
  • Earn lead mailers every month

Get ready to bring more qualified leads into your life. Get the details here.

Please contact your Account Manager with any questions.

This is neither legal nor accounting advice. If you have questions, please consult a lawyer or accountant. The information included in this post was provided by the entity referenced herein.

Filed under: Uncategorized

ACA Challenges & Our Advice to Agents

As a leader in the industry since being founded in 2001, GoHealth knows a thing or two about the ups and downs of the insurance industry. This year is no different; we’ve seen significant industry changes and ACA challenges, from rising premiums to declining sales commissions.

We recognize that these changes present unique challenges to agents. But fear not! We have advice on how to take these so-called challenges and turn them into opportunities for growth.

GoHealth’s Advice to Agents

Target Carriers and States with High Commission.

  • Examples: Anthem, Molina, HCSC

Expected commissions from each of these carriers are in line with previous commissions or are higher than previous years due to the increase in premiums. In addition, by adding each of these carriers you are immediately equipped to sell in over 20 states!

Target Areas with Low Competition.

  • Examples: Illinois, Florida, Oklahoma

Oklahoma only has a single carrier (HCSC), Illinois has traditionally been a state dominated by HCSC based on networks, and Molina is the lowest priced silver plan in Florida, a market with less competition than usual!

Cross Sell! Cross Sell! Cross Sell!

Our suggestion? Consider selling ancillary products, such as SecureAssist!

SecureAssist products lowers consumers’ costs, alleviating the burden of paying their entire deductible out-of-pocket. They’ll receive critical illness protection and a cash benefit if they incur a medical expense, saving them from out-of-pocket expenses!

In addition, consumers will have 24/7 access to doctors via phone or online chat, a personal healthcare concierge team, an extensive discount network for prescription medications and dental/vision services, and identity theft recovery services.

Major Changes Are Coming: Get Ready for Brokers to Serve a Greater Purpose in Coming Years.

All indications show that insurers are beginning to find ways to become profitable during OEP. We expect that trend to continue, which will create more need for brokers.

Save Money on Enrollment Solutions. Sell More Efficiently without Breaking the Bank!

Email sales@gohealth.com now to sign up with our new low rate!

Filed under: News

AEP Reminders & How to Take Advantage of This Short Window

October 15, 2016.

This marked the start of the Annual Election Period, and when agents could start selling over-65 health insurance plans. Have you hit the ground running?

If you haven’t, there’s still time—but you must act fast. While the Annual Election Period window is short (October 15 – December 7, 2016), it presents a significant opportunity to write a lot of business!

As a reminder, here are 3 reasons why you should sell Medicare this Annual Election Period:

  1. Longer policy duration than under-65 plans
  2. Higher lifetime value and worth 7 x’s more (on average) than a major medical policy
  3. According to CMS (Centers for Medicare & Medicaid Services) enrollment in Medicare and Medicaid increased to 119 million in 2014, and it could rise again to 150 million in 2025.

Help Aging Seniors Get the Coverage They Need1.

While individuals are not required to re-enroll in Medicare each year, Agents can review, change, and expand plans if needed. Once individuals have Medicare Parts A & B, you can begin explaining Medicare coverage options and guide them through the enrollment process to help them find the coverage that’s right for their unique needs.

During This Time Period, You Can Assist Consumers with the Following1:

  • Change from Original Medicare to a Medicare Advantage plan
  • Change Medicare Advantage plans
  • Find a new Medicare Advantage plan that offers prescription drug coverage
  • Join a Medicare Prescription Drug plan
  • Switch from one Prescription Drug plan to another

REMEMBER! You must complete your AHIP Certification before you can sell.

GoHealth Has the Solutions You Need to Hit the Ground Running This AEP.

  1. Certification Guides
    • AHIP and carrier-specific guides to aid in navigating seemingly complicated certification processes
  2. Compliance Resources/Job Aids
    • Guides and trainers available to teach agents the CMS-compliant processes for meeting with consumers, presenting their options and facilitating their enrollments
  3. Lead Sourcing Expertise
    • Industry-leading knowledge in senior-lead sourcing options

Contact GoHealth today to get moving!

Medicare has neither reviewed nor endorsed this information.

Sources: 1. “When Can I Join a Health or Drug Plan?” Medicare.gov: The Official U.S. Government Site for Medicare. Centers for Medicare & Medicaid Services, n.d. Web. 27 Sept. 2016.

Filed under: News