POPULARITY
10 episodes with Annual enrollment
9 episodes with Annual enrollment
4 episodes with Annual enrollment
2 episodes with Annual enrollment
2 episodes with Annual enrollment
2 episodes with Annual enrollment
2 episodes with Annual enrollment
2 episodes with Annual enrollment
4 episodes with Annual enrollment
The Retire Hour team is back in action, teaching you actionable advice on retirement planning, including investing, taxes, estate planning, and medicare. Manage your money and retirement with the Retire Hour team. In this episode, Matt Goolsby hosts financial, tax, estate, and healthcare advisors to discuss Annual Enrollment, myths about Wills, and getting a random refund from the IRS. #retirement #podcast #show #money #finance
In this special multi-part episode, Julie shares a few recorded conversations live from the Michigan SHRM Conference in Grand Rapids, and a new ‘Voice of GenZ' chat on what employees and candidates think. First, Julie catches up with Brown and Brown colleagues, Kevin Cumings, Amy Gerard, and Tyrone Jordan to talk the Michigan SHRM Conference in Grand Rapids. The conversations highlight key trends through the lens of the HR practitioner and leader. The importance of effective benefits communication and engagement strategies for the modern workplace, and the evolving role of brokers and HR professionals and their need to adapt to the changing workforce and legislative landscape. Next up, Julie chats with Nico Fernandez who shares what employees and candidates are thinking as seen through the lens of GenZ. Nico shares his POV as an engineer for a small firm and navigating life as an early career professional. He talks his onboarding, offer and benefits experience. Plus other key workplace observations on how HR decisions impact Nico, his peers, and the multigenerational workforce. Connect with Brown & Brown guests: Kevin: https://www.linkedin.com/in/kevincumings/ Amy: https://www.linkedin.com/in/amygerard/ TJ: https://www.linkedin.com/in/tjordan2/ Connect with Nicolas Fernandez: LinkedIn: https://www.linkedin.com/in/nicolas-fernandez00/ Connect with the show: LinkedIn: http://linkedin.com/company/hr-payroll-2-0 X: @HRPayroll2_0 @PeteTiliakos @JulieFer_HR
#255: Today's episode is brought to you by Elevance Health. Ever felt lost trying to navigate the maze of health insurance? You're not alone! Understanding what health insurance covers and what your options are can get incredibly confusing.In this episode, I'm joined by Tita Stewart, the Staff Vice President, Growth and Engagement from Elevance Health to break down the essentials of health insurance in an easy-to-understand way to prepare you for Annual Enrollment this fall.Whether you're new to health insurance or just seeking clarity, Tita offers straightforward advice on maximizing your coverage and avoiding common pitfalls.We Also Talk About…Types of health insurance plansHow to maximize your policy benefitsWhy health insurance is expensiveHow to apply for health insurance and where to compare plans onlineResources:Subscribe to my Substack, Balance with LesGo to myhealthbenefitfinder.com to find out which benefits you qualify for.Download Anthem's Sydney app for fast and convenient access to your health insurance information.Check out www.healthcare.gov to enroll in health insurance and compare plans.Keep in touch with Balanced Black Girl:Watch on YouTube @BalancedBlackGirlShop limited-edition Balanced Black Girl merchFollow on IG: @balancedles @balancedblackgirlpodcastFollow on TikTok @balancedlesVisit our website at balancedblackgirl.comSponsors:Act now to improve your health and quality of life by exploring health insurance coverage. Visit www.myhealthbenefitfinder.com and utilize expert advice from Anthem by calling at (888) 811-2101Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode of our podcast, we talk with R&I Committee Chair Captain Kevin Biggins. Kevin discusses annual enrollment for 2025 benefits, the upcoming benefits fair and other important deadlines...
In this episode, Jason Maciejewski, CEO of The Senior Alliance, is joined by David Linden of the Michigan Medicare Assistance Program. They talk about the services that MMAP offers older adults, what kinds of Medicare coverage ...Read More The post Inside The Senior Alliance: MMAP Open Annual Enrollment with David Linden (Ep 1.38) appeared first on The Senior Alliance.
They talk about the services that MMAP offers older adults, what kinds of Medicare coverage programs exist, and how MMAP can help older adults save money on Medicare The post Inside The Senior Alliance: MMAP Open Annual Enrollment with David Linden (Ep 38) appeared first on The Senior Alliance.
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We went Facebook live AND recorded audio at the same time! ALWAYS FUN! MedicareMisty and I Talk Donuts - Habits - Annual Enrollment - AND MUCH MORE! Please consider supporting the podast by becoming a Patron: https://www.patreon.com/duringthebreakpodcast THANK YOU TO OUR SPONSORS: Granite Garage Floors of Chattanooga: https://granitegaragefloors.com/location/chattanooga Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Chattanooga Concrete: www.chattanoogaconcreteco.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm
In this episode of The ROCC Pod presented by the Royal Oak Michigan Chamber of Commerce, we welcome Andrea Hicks, a local insurance agent specializing in Medicare. Andrea clarifies the intricacies of Medicare enrollment and the importance of understanding the difference between annual enrollment and open enrollment periods. She emphasizes the significance of having an independent agent to navigate the complex world of Medicare plans and ensure that individuals receive the right coverage tailored to their needs.The conversation delves into the distinction between advantage plans and supplemental plans, with Andrea simplifying the jargon for a clearer understanding. She highlights that the choice between these plans depends on individual circumstances and health needs, explaining that the government has a way of ensuring everyone pays for their healthcare one way or another.Then, Andrea shares her extensive involvement in the community, volunteering in various organizations and offering assistance to seniors and those in need of insurance guidance.Listeners interested in Medicare guidance can contact Andrea Hicks for personalized assistance at 248-733-3959. Or by email: andrea-hicks@outlook.com.Connect with our hosts:Trish Carruth from The Personal Jeweler - https://www.thepersonaljeweler.com/Jon Gay from JAG in Detroit Podcasts - http://www.jagindetroit.com/Lisa Bibbee from Keller Williams - http://soldbylisab.com/
Tune-in NOW to our live, fun, informative, and popular radio show! This will be a great show that you don't want to miss! Today's topic: "The AEP - Annual Enrollment Plan 2024". We share important info with you about Health Insurance, Medicare, Life, Disability, Long Term Care, Accident, and other insurance solutions. Sure, we know that insurance is confusing and doesn't sound sexy, but we make our show fun, informative, and quite simply we provide, "Insurance Straight Talk" - No BS! Catch our show every Tuesday at 10am on WSTU1450 AM & WPSL1590 AM and FB Live @ Quality of LIFE Radio Show.
It is now time for you to make sure you have health insurance coverage for 2024. Annual Enrollment for those that are Medicare Eligible is 10/15/23-12/7/23. Affordable Care Open Enrollment starts 11/1/23- 1/15/2024. Contact me at 954-330-2778 or leave your information by clicking the link: https://mailchi.mp/b058369602a4/c I will be happy to explain the benefits with you and get you enrolled. . Call 954-330-2778 https://mailchi.mp/b058369602a4/c
A Taylor made offer of NFL+. What's in store for 2024 Annual Enrollment and how you can save $120 annually with the latest +play offer.
To Stop Pleasing & Appeasing Others, Focus On These 3 ThingsWonder why you automatically people-please, rush to fix things when there's a problem, panic at the idea of someone being upset with you, or feel an internal pressure to avoid disappointing others?This is the fawn response in action, and it is happening because your body is perceiving a threat or anticipating a threat.The body will react to the present based on your past, re-living that past experience through the feelings, sensations, reactions, and thoughts that flood you. When you've been threatened or harmed and your body has used the fawn response to survive it, it will do that again in the future because it worked.Disengaging this response involves:1) Restoring a sense of safety by nurturing capacity for those reactions, connecting with safe community and persons, and learning to regulate back into a window of tolerance through titrated experiencing of the sensations that show up2) Processing the pain, fear, and hurt that is stuck in a loop that was created in the previous threatening events. This will involve feeling the sensations in short, bit-by-bit moments over time. As the body begins to experience a reduction in the intensity, duration, and frequency of the intense sensations that come with fawning, it will start engaging in other responses to it, including inquiry, indifference, advocacy, and even fight or flight.3) Discovering safety and who you are without the fawning response. This will likely feel uncomfortable, confusing, liberating, and even empowering. You'll find yourself experiencing more rest, more confidence, more peace, and more clarity about what you want, what you feel, and your intuitive senses will arise.This is a core feature of the Codependency Healing System. Over 35 live-taught classes, you are nurtured through each of these phases of healing through live support, effective tools, and community.Your codependency developed in relationship. Your healing and freedom develops in relationship. We heal together. We thrive together.[Annual Enrollment in The Codependency Healing System Closes Saturday Till 2024]New payment options available! Check below!This is an invitation to codependents, people-pleasers, and perfectionists who've been doing therapy or self-help, are struggling to get lasting, consistent results, and are seeking greater self-worth, peace, and freedom in being who they are without trying to figure it all out or do it on their own.You will work along with me and 74 other students over a gentle 9 months as we increase your sense of safety, connection, and self-worth through:1) Increasing your emotional safety. 2) Connecting with reality and using it to build real connection. 3) Taking back and becoming your power. 4) Discovering and embodying who you really are through knowing your innate worth. 5) Reclaim your natural ability to create connection with others and build healthy, safe, playful bonds with your fellow humans. This is achieved through The Codependency Healing System 9-month, 36-module journey.To succeed in these areas, all you will need to do is:1) Watch the recorded trainings or show up to the live versions2) Do the practices 2 - 3 times a week3) Get support when you need it.The program supports you in doing that through:- Weekly live trainings hosted and taught by Marshall- Unrivaled live support facilitated by Marshall that includes:- Twice-a-week support calls to help you as you learn these concepts and master them in your daily life- Twice-a-week homework calls to help you do the homework, get help with tools, or have a space to do the work - Twice-a-month practice sessions to help you
Achieving Success In Your Healing: Are You Stuck In The "Start-Stop" Loop of Healing?Does this sound familiar?- You buy a course, feel a burst of relief, and never open the course again?- You get a big aha from something you've read, heard, or watched. It feels like something changed, yet the same behaviors and results show up again?- You try really, really hard to get engaged in your healing work, and you find yourself distracted by other things?- You feel pressure to "do it right" and when that doesn't happen, you deflate and retreat from doing anything else?- You're waiting to take action when it "feels right" or "you have the motivation"?If so, YOU ARE NOT ALONE.This is something I do a lot. In fact, it is part of how I heal. Sounds strange, right?"This is part of how you heal?"Yep. You see, when we step into something new (a course, therapy, coaching, etc), we will encounter the momentum of our previous path. This hows up as resistance and avoidance to the new thing we're attempting to integrate into our daily lives. It is that feeling of anxiety, discomfort, or ugh we feel when we step towards that new thing.*THIS IS NORMAL TO FEEL*Why? Because your body is used to a certain cadance and rhythm. It feels safest with what is known and is has a natural resistance towards new and unknown features. Accepting this as normal empowers you to navigate it to your advantage - specifically in making the new thing a normal thing.So, how do we do that?Learn in today's episode!***The Annual Enrollment for the Codependency Healing System is OPEN. We're accepting 75 individuals on this 9-month live training journey in nurturing and increasing our individual and communal safety, connection, and individual worth.Students will leave this journey knowing how to:- Create and nurture emotional safety, relationship safety, and physical safety- Identify and connect with compatible, safe, healthy people- Recognize, understand, trust, and follow their own voice- Identify, connect to, and embody their real worth- Recognize and embody their personal power- Heal their pain through reduction and resolution practices- Increase their confidence and worth through orienting to their innate value- Communicate clearly and understand others more deeply- Create and execute boundaries that foster connection and well-being- Soothe pain and anxiety- Increase peace, rest, and safetyHere are the details:Enrollment closes August 12, 2023. THIS IS THE LAST DAY YOU CAN ENROLL FOR 2023.Class starts Monday, August 14, 2023.Class ends Monday, May 20, 2024Live Class Time: 11am Mountain TimeRecordings: Released at 6pm Mountain TimeSupport Calls: Tuesdays at 5-7pm and Thursdays 10-12pm Mountain TimePractice Calls: Sundays 7pm Mountain Time two times a monthInvestment:You must have a membership to attend these classes. Lifetime Membership with 6 Months Personal, Private Support from Marshall: $2000 (comes with 6 months private support access to Marshall, along with the Self-trust Course, Indomitable Worth System, and the Breakthrough Sessions - $3500 value)Lifetime Membership $1500 (includes the Self-trust Course, Indomitable Worth System, and the Breakthrough Sessions - $2500 value)Annual Membership: $997 (includes the Self-Trust Course - $997 value)Monthly Membership: $125 (hardship/income aware pricing is available for this. Contact us with your situation and we'll get you options)75 students total for 2023 will be admitted.Where you can sign up: https://chs.freetheself.comSeeing this in the future? Get on the wait list: https://chs.freetheself.com
It's been called "idealizing others" or "putting them on a pedastal". This is where a person perceives another to be much better than they are, including being perfect, being "the one", or having some kind of special meaning. These are positive illusionsThis habit comes from the young parts of ourselves that idealized parents, peers, and authorities. This happens as a way to try to create safety and comfort anxiety, as well as eliminate doubt or uncertainty the child doesn't know how to navigate. In trauma bonding, this is doing excessively about a person's partner, creating massive illusions and disillusions in the relationship.This is how we learned to navigate the lack of safe people in our lives - we created illusions of them.This also leads us to giving them a lot of influence, power, and responsibility over us. Often, we tend to look to people we've idealized for all the solutions and answers to our personal problems and challenges. We look to be rescued. And when they show up as the human being they are, we feel betrayed, dismayed, shocked, and disillusioned.Often, that person hasn't done anything actually harmful or abusive. In one experience from my life, the person had said no to me. And that shocked me deeply. Another person turned out they didn't like what I did. So, what do we do when this is happening?1) Recognize and acknowledge to yourself that you may be idealizing someone, especially if you make them out to be perfect, flawless, or ignore their humanity in some way2) Notice how your body feels around them. Is there euphoria? Do you feel swamped with admiration or affection? Do you find yourself pushing away things that bother you or feel uncomfortable? 3) Notice what expectations you are putting on them. Are you expecting them to act a certain way? Are you imagining them being or doing things a certain way?4) Notice what fantasies are present. Do this person bring you some kind of rescue? Are they "the one" you've been looking for? Are you finally going to get or have a specific result because they're in your life?5) Notice if you're seeing them as a human being with limits, challenges, and a life of their own. Often in idealization, we do not acknowledge that the other person is literally just a human being like ourselves. 6) Begin to normalize the person by identifying with them as a fellow human being. See their limits. Acknowledge things you may not like about them. Acknowledge that they have no responsibility to your expectations or fantasies about them. Start to visualize them as an equal to you. You two are both human beings. No more, no less.7) Process your feelings of disappointment or hurt with a therapist or qualified mentor. This will help you to start seeing others and yourself more objectively and realistically.This starts the process of becoming more sober and connected with reality. Doing so empowers your ability to heal, to choose better relationships, and discover your own well-being and fulfillment.***The Annual Enrollment for the Codependency Healing System is OPEN. We're accepting 75 individuals on this 9-month live training journey in nurturing and increasing our individual and communal safety, connection, and individual worth.Students will leave this journey knowing how to:- Create and nurture emotional safety, relationship safety, and physical safety- Identify and connect with compatible, safe, healthy people- Recognize, understand, trust, and follow their own voice- Identify, connect to, and embody their real worth- Recognize and embody their personal power- Heal their pain through reduction and resolution practices- Increase their confidence and worth
How I Nurture Emotional Safety And You Can, TooEmotional safety is an essential factor in creating and sustaining your ability to heal and thrive in your daily life - especially beyond codependency.What is emotional safety? It is knowing that your emotions are safe to acknowledge, feel, and care for AND they'll be cared for and supported by those around you, too. it is a you-and-others experience (also known as interdependent experience).Emotional safety is the first core focus I teach in the Codependency Healing System. We spend 10 weeks on it alone!Learn how I resource this in my life in today's episode!***The Annual Enrollment for the Codependency Healing System is OPEN. We're accepting 75 individuals on this 9-month live training journey in nurturing and increasing our individual and communal safety, connection, and individual worth.Students will leave this journey knowing how to:- Create and nurture emotional safety, relationship safety, and physical safety- Identify and connect with compatible, safe, healthy people- Recognize, understand, trust, and follow their own voice- Identify, connect to, and embody their real worth- Recognize and embody their personal power- Heal their pain through reduction and resolution practices- Increase their confidence and worth through orienting to their innate value- Communicate clearly and understand others more deeply- Create and execute boundaries that foster connection and well-being- Soothe pain and anxiety- Increase peace, rest, and safetyHere are the details:Enrollment closes August 12, 2023. THIS IS THE LAST DAY YOU CAN ENROLL FOR 2023.Class starts Monday, August 14, 2023.Class ends Monday, May 20, 2024Live Class Time: 11am Mountain TimeRecordings: Released at 6pm Mountain TimeSupport Calls: Tuesdays at 5-7pm and Thursdays 10-12pm Mountain TimePractice Calls: Sundays 7pm Mountain Time two times a monthInvestment:You must have a membership to attend these classes. Lifetime Membership: $2000 (comes with 6 months private voxer mentoring with Marshall)Annual Membership: $997 (includes the Self-Trust Course)Monthly Membership: $125 (hardship/income aware pricing is available for this. Contact us with your situation and we'll get you options)75 students total for 2023 will be admitted. 50 seats are currently open.Where you can sign up: https://chs.freetheself.com
The open enrollment period for benefits under the Affordable Care Act (ACA) began on November 1 and it will run through January 15 of next year. As part of the effort to cover various financial impacts to trucking professionals, Colton Lawrence, the Trucker CFO, is focusing this episode of the podcast on exploring annual enrollment and examining the value of health insurance in today's economy. To get an expert perspective, we have asked Marc Ballard to join us for our latest edition of the Trucker CFO podcast. Marc holds a wealth of experience in the field, serving as an insurance agent for the past 33 years and running his own agency since 1996. Marc has also worked extensively within the trucking industry through Truckers Healthcare and the National Association of Independent Truckers.
Scott and James discuss the 5 employee benefits to get right during annual enrollment! NEW: We're on YouTube here! Planning Points Discussed Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 2:30 - We're on YouTube HERE! 4:25 - Retirement Contributions 10:59 - Credit Card Interest Rates 16:26 - Healthcare Considerations 23:05 - Life Insurance Coverage 29:12 - Savings Rates 33:39 - Deferred Compensation 36:00 - Aligning Your Financial Goals LET'S CONNECT! James YouTube LinkedIn Website Scott Facebook Twitter Website ENJOY THE SHOW? Don't miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play.
Every year the Medicare and You Handbook is printed and mailed out before the first of October to all Medicare beneficiaries to help guide them with Annual Enrollment (which goes from October 15 until December 7). The handbook states that at the time of printing, premiums and deductible amounts for Medicare Parts A, B, and D were not available. Well, guess what? The 2023 Medicare Part A and B premiums and costs were released by the Centers for Medicare & Medicaid Services (CMS) early! Here's everything you need to know about the 2023 Medicare deductibles and premiums.See omnystudio.com/listener for privacy information.
On this episode of Medicare Moments with Toni King, Toni answers a question from James, a 65-year-old from Memphis who was recently diagnosed with Parkinson's disease. James wants to know if he can enroll in a prescription drug plan during Medicare's Annual Enrollment Period. Find out Toni's advice for James, plus, the dates for Annual Enrollment and everything Medicare beneficiaries can do during this time. Medicare's Annual Enrollment is going on NOW - so, don't delay! Listen to Toni's podcast and learn more about your options, because, when it comes to Medicare, "what you don't know WILL hurt you!"See omnystudio.com/listener for privacy information.
See omnystudio.com/listener for privacy information.
Mark your calendars with these important Annual Enrollment dates.
Start your AEP Prep with the Agent Survival Guide Podcast! The countdown is on to Annual Enrollment. Use our tips to get your ducks in a row with plenty of time to spare. Read the text version Gain Access to The Ritter Platform, Medicare Quote Engine, and More Tools for Insurance Agents: https://app.ritterim.com/public/registration/ Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ and Instagram, https://www.instagram.com/thesarahjrueppel/ Tina on LinkedIn, https://www.linkedin.com/in/christina-lamoreux-6384b7199/ Resources: 4 Reasons Why Agents Should Sell Medicare Advantage Plans for 2022: https://www.ritterim.com/2022-medicare-advantage-opportunity/ AHIP Test Tips and Tricks for Medicare Certification: https://www.ritterim.com/blog/ahip-test-tips-and-tricks-for-medicare-certification/ A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://www.ritterim.com/selling-ancillary-with-medicare/ Do's and Don'ts of Medicare Compliance: https://www.ritterim.com/blog/dos-and-donts-of-medicare-compliance/ FAQs About NAHU Medicare Certification: https://www.ritterim.com/blog/faqs-about-nahu-medicare-certification/ FastTrack Your Online Medicare Enrollments with Medicareful: https://www.ritterim.com/agent-tools/medicareful/ Medicareful Site Qualification Requirements: https://docs.ritterim.com/medicareful/getting-started/ Online Contracting Made Simple & Smart: https://www.ritterim.com/agent-tools/online-contracting/ Preparing for AEP Webinar: https://screencast-o-matic.com/watch/c31vqCV0qtV Request Your Free Portfolio Review & Smart Sheet: https://www.ritterim.com/portfolio/ Ritter Insurance Marketing Carrier Certification Center: https://docs.ritterim.com/carriers/certification/ Ritter Insurance Marketing Products (Carrier & Product Map): https://www.ritterim.com/products/by-carrier/ Ritter Referral Program: https://www.ritterim.com/ritterreferral/ The Ritter Platform: https://www.ritterim.com/agent-tools/the-ritter-platform/ The Ritter Platform Launches New eScope, FastTrack App, & Profile Features: https://www.ritterim.com/blog/the-ritter-platform-launches-new-escope-fasttrack-app-profile-features/ Ritter's Carrier & Product Map: https://www.ritterim.com/products/by-carrier/
Beat the AEP rush and get a jump on contracting. Did you know you don't have to wait till to start contracting and certifications? Find out how you can save time and energy before Annual Enrollment. Read the text version Register for your FREE RitterIM.com account Mentioned in this episode: Contact the Team at Ritter Insurance Marketing 4 Reasons Why Agents Should Sell Medicare Advantage Plans for 2022 5 Tips for Selling Medicare Advantage Plans How to Get Started in Medicare Sales Methods to Boost Your Medicare Business Next Generation of Medicare Beneficiaries Stay Busy Outside of AEP With Special Enrollment Periods The Benefits of Joining a Top Insurance FMO The Benefits of Selling D-SNPs What Does ‘Ready-to-Sell' Mean for Medicare Agents What is a AHIP Certification and How Do I Get It? More episodes you'll like: Stress Relief Tips to Get You Through AEP Start Selling 5-Star Medicare Advantage Plans All Year How to Prepare for AEP Like a Pro Articles to Share with Your Clients: Medicareful Travels: A Senior Guide To All-Inclusive Resorts Does Medicare Cover Occupational Therapy? Lower 2023 Medicare Part B Premium Could Be on the Way Ritter Insurance Marketing eBooks & Guides: The Complete Guide on How to Sell Medicare Advantage Plans Agent Survival Kits: Beginners or Experts Social Media Marketing for Insurance Agents Your Step-By-Step Guide to Getting Started in Insurance Sales The latest from Ritter's Blog: What is AHIP Certification and How Do I Get It? Generate Medicare Leads Using Marketing Materials from ShopRitterIM CMS Rules ACA Broker Commissions for SEP & OEP Sales Must Be Equal Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram TikTok Sarah's LinkedIn Sarah's Instagram
Forrest Stewart sits down with Jason Cogdill, Attorney at Law to discuss the top compliance initiatives and how they affect The Cason Group's broker partners. He provides some ideas and action steps as 2021 comes to an end. 2021-22 Compliance Best Practices Sheet: https://mcusercontent.com/9fe0bb9d26648198d9ce99a4a/files/9c6acae8-1a3c-7756-3044-f2c9e70e9f59/Compliance_Steps_for_Annual_Enrollment_2022.pdf
Dr. Blanchard with VIP Care and John Wagner with Community Insurance Partners team up on the Pensacola Expert Panel to bring you Better Health!! Call 850-972-9896 to schedule an appointment with Dr. Blanchard. Go to https://www.communityinspartners.com/ to find out more about ANNUAL ENROLLMENT happening NOW!!
Mark your calendars with these important Annual Enrollment dates. Note: If you are a union-represented employee, aspects of your benefits may be covered by your union contract.
Mark your calendars with these important Annual Enrollment dates. Note: If you are a union-represented employee, aspects of your benefits may be covered by your union contract.
Get in the right headspace.
Get in the right headspace.
Kick off AEP with these 5 sales and marketing tips. We want this Annual Enrollment Period to be your most successful season yet! Read the text version. Mentioned in this episode: AHIP Medicare Training How to Market Yourself Effectively How to Prepare for AEP Like a Pro Secure a Bigger, Better, Business with Ancillary Products The Survivor’s AEP Checklist More episodes you’ll like: 5 Must-Haves for Every Insurance Agent This AEP Are these must-haves part of your strategy for this Annual Enrollment Period? They should be! Listen as we highlight five essentials to simplify your Medicare sales this AEP. Be Prepared to Discuss Medicare Telehealth Coverage This AEP Are you prepared to talk about Medicare telehealth benefits this AEP? Whether you call it telemedicine, telecare, or a virtual visit, these benefits are growing in popularity. Learn how your clients can utilize them, which beneficiaries are most likely to access them, and more! How to Survive AEP Get ready to make the most of AEP! We just launched our newest resource page - Surviving AEP - on the Agent Survival Guide Blog. If you want to really thrive this Annual Enrollment season, check it out! We talk AEP prep, AHIP, compliance, and more. There's even an opportunity for a portfolio review. Find "Surviving AEP" online at ritterim.com/aep! Organization Tips and Tricks for AEP Don't get stressed out over AEP, get organized! The Annual Enrollment Period can be a stressful time for insurance agents - but it doesn't have to be for you! Listen to learn tips and tricks to make this AEP go smoother than ever. The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare. The latest from Ritter’s Blog: How to Prevent Insurance Agent Negligence As an insurance agent, you know by now how important it is to remain compliant. While following the Medicare Communications and Marketing Guidelines should be one of your top priorities, there is something else you’ll want to keep on your radar that you may have not yet considered: preventing insurance agent negligence. Ritter Acquires Maryland-Based Secure Benefits Alliance Ritter Insurance Marketing today announced the purchase of Secure Benefits Alliance (SBA), a Maryland-based health and life benefits agency. In order to expand and strengthen Ritter’s growing footprint, this deal will bring SBA agents into the Ritter fold, providing them with cutting-edge technology and support through Ritter’s service platform. How to Keep Your Product Portfolio Fresh As an agent in the Medicare insurance industry, you need to stay competitive. An effective way to do this is by routinely examining your portfolio to determine if you’re prepared to work at your full potential. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Hans and Robby go over the options you have this Medicare Annual Enrollment season! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.
Annual Enrollment is a great time to change your HSA goal amount for the coming year.
Keep more money in your wallet. Consider electing HDHP 2 or 3 during Annual Enrollment.
Did your benefits change in 2020 in response to COVID-19? If so, Annual Enrollment is the time to adjust your elections for 2021. Note: Contact a Benefits Advocate or refer to Your Gateway to confirm benefits available to you.
What's going on in your brain when you make enrollment decisions?
The Friday Five for September 4, 2020: Medicare Advantage Hospice Carve-In GoodRx To Go Public Flu Shot Guidance from CDC Twitter Tackles Trending Topics Ritter Insurance Marketing Acquires Secure Benefits Alliance (SBA) Mentioned in this episode: Coffee, ketchup and Nike Air Max: it’s the COVID consumer economy Explaining the Newly-Released Medicare Advantage “Carve-In” Model Frequently Asked Influenza (Flu) Questions: 2020-2021 Season Getting Upstream: A Hospice Playbook for Value-Based Care GoodRx files to go public, boasting track record of profitability Hospice Must Demonstrate Value to Medicare Advantage Plans Ritter Acquires Maryland-Based Secure Benefits Alliance Twitter tries to explain trending topics Vaccine Finder What Is the Difference Between Palliative Care and Hospice Care More episodes you’ll like: August 28, 2020 | The Friday Five The Friday Five for August 28, 2020: Closing the Sale & Managing Rejection; CDC Changes Travel Quarantine Guidance; Teams vs. Zoom; Pandemic Relief for Small Businesses; and Client Conversation Starters. 5 Tips for Selling Medicare Advantage Plans Ready to rock your Medicare Advantage sales goals this AEP? Learn five ways you can make this Annual Enrollment Period your most successful yet. Our tips can help you grow your commissions and your book of business. The Hidden Value of Medicare Supplements During AEP AEP is about more than just Medicare Advantage. Don't miss out on sales because you're missing the product your client wants. Learn why Med Supps make a crucial addition to your insurance portfolio, whether it's Annual Enrollment or not. The Ritter Platform Launches New Drug Cost Estimator and Prefilled Applications Big News! We've added two brand-new features to The Ritter Platform - a Prescription Drug Cost Estimator and Prefilled Applications! Learn more about these new additions and how they can simplify your selling process this AEP. What is the Ritter Platform? The Ritter Platform is a CRM for insurance agents selling Medicare and other senior market products! Consolidate client info, analyze prescription drug costs, access carrier resources, get info on commissions and more. What could you be saving time on?!? The latest from Ritter’s Blog: How to Keep Your Product Portfolio Fresh As an agent in the Medicare insurance industry, you need to stay competitive. An effective way to do this is by routinely examining your portfolio to determine if you’re prepared to work at your full potential. 5 Tips for Selling Medicare Advantage Plans With the Annual Enrollment Period approaching, you may be strategizing to have more success selling Medicare Advantage plans this year. The Ritter Platform Launches New Drug Cost Estimator and Prefilled Applications Two brand-new features have been added to our comprehensive agent dashboard. Say “hello” to the Drug Cost Estimator and prefilled applications! Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
AEP is about more than just Medicare Advantage. Don't miss out on sales because you're missing the product your client wants. Learn why Med Supps make a crucial addition to your insurance portfolio, whether it's Annual Enrollment or not. Read the text version. Get the Top Med Supp Products in Your Market Mentioned in this episode: 2020 Medicare Supplement Changes Will Introduce Two New Eligibility Groups Contact the Team at Ritter Insurance Marketing Cure Your Clients’ Needs with a PDP Defining the True Value of $0 Premium for Medicare Advantage Plans Download our eBook – The Complete Guide on How to Sell Medicare Supplements Finish Work Faster Using e-Apps Get a Free Medicareful Site Guaranteed issue rights How Medicareful Helps You Sell Ancillary Products How to Save Your Clients Money on Prescription Drugs Learn about Ritter’s 100K Giveaway! Medicare for Snowbirds, Sunbirds, & Travel Enthusiasts Medicare Supplements Fill the Gaps in Your Portfolio Med Supp Underwriting Fast Facts PDF Part D late enrollment penalty Prepare for Upcoming Medicare Supplement Changes What is a Medicare Select Plan? More episodes you’ll like: 2020 Medicare Supplement Changes Will Introduce Two New Eligibility Groups Med Supp changes are coming for 2020. Get all the facts about the two new Med Supp eligibility groups here, like what they are, who falls into each group, which plans you can sell to clients in each group, and more, in this can't-miss episode. Getting Started Selling Medicare Supplements Take your insurance sales to the next level with Medicare Supplements! Discover why Medigap plans make such a great addition to your selling portfolio. How to Write a Medicare Supplement Call Script That Really Works Selling Medicare Supplements over the phone? Now is a great time to rework your current Med Supp call script! We outline the best practices to follow while working Medigap leads. What to Know When Replacing Existing Med Supp Plans for Clients Learn how to switch your client's Medigap plans. We unpack it all, from why your clients might want to switch Med Supps, to the free look period and everything in between. Read the text version. When Do Med Supp Plans K, L, M, & N Make Sense? Take a closer look at Medicare Supplement Plans K, L, M, and N. Learn more about how these specific Medigap plans work and the ideal clients for each type. The latest from Ritter’s Blog: Join Us at the Summits! Each summer, Ritter Insurance Marketing hosts the annual Summits, where insurance agents can receive an exclusive first look at the next year’s Medicare Advantage and Part D plan offerings. This year, we’re hosting our Summits a little differently. 5 Tips for Using Medicareful to Sell More Medicare Plans Medicareful gives agents the potential to double or triple their capacity to safely engage prospects and enroll clients! How can you maximize your site and Medicare sales? To start, request your free Medicareful page here! Why Being a Likable Agent Is Good for Your Business How you present yourself as an agent can make or break your business. You may think, “It doesn’t matter what other people think of me,” which in some ways is true. But when it comes to how people view you professionally, their opinions do matter. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
The global pandemic has heightened uncertainty for employers and their people in all aspects of their lives, but one thing is certain – mitigating risk is imperative as employers prepare for annual enrollment. As the unemployment rate increases, how do organizations minimize eligibility risks to their benefit plans and address healthcare cost backlogs from COVID-19?Join us for this latest episode to learn:Employer compliance trends in the era of COVID-19How to minimize healthcare cost risks for the 2021 plan yearValuable business outcomes beyond compliance
In today's episode, it's all about your total rewards. Why it's so important to focus on your differentiator, when to talk about your total rewards package, and when and how to over-index on the right benefit or perk. Pro-tip: Annual Enrollment is the perfect time to revisit your total rewards key messaging. Get full show notes and more information here: RethinkHRPodcast.com/19
In today’s episode, it's all about your total rewards. Why it's so important to focus on your differentiator, when to talk about your total rewards package, and when and how to over-index on the right benefit or perk. Pro-tip: Annual Enrollment is the perfect time to revisit your total rewards key messaging. Get full show notes and more information here: RethinkHRPodcast.com/19
As we navigate healthcare benefits during COVID-19, employers have even more to consider when they think about their upcoming enrollment needs and goals. Effectively educating employees on their benefits offerings and reducing healthcare costs are now more important than ever before.Join us for this episode to learn:How the pandemic changes the course of this year’s annual enrollmentTips for aligning your enrollment tactics to your overall benefits strategyHigh-tech and high-touch strategies for improving the enrollment experienceHow to effectively communicate with employees during enrollment and beyond
Get ready to make the most of AEP! We just launched our newest resource page - Surviving AEP - on the Agent Survival Guide Blog. If you want to really thrive this Annual Enrollment season, check it out! We talk AEP prep, AHIP, compliance, and more. There's even an opportunity for a portfolio review. Find "Surviving AEP" online at ritterim.com/aep! Hey there! It’s me, Sarah Rueppel, host of the Agent Survival Guide Podcast here to tell you about a really cool resource that we just launched on our website. It’s called Surviving AEP, and it’s an entire page dedicated to helping you make the most of the Medicare Annual Enrollment Period. That period only lasts from October 15th through December 7th, (just 54 days!) and there are quite a few things that need to be done before you’re considered “ready-to-sell.” Surviving AEP lays out what that path looks like and walks you through it, step-by-step. AEP prep, compliance, AHIP, sales, and even managing stress while you’re trying to do all of those things. Very important, don’t want to be like me and get shingles in the midst of a pandemic. But enough about me, although I do think this is the coolest feature, when you subscribe to our blog through the Surviving AEP page, you get a free portfolio review as our way of saying thank you. Check it out here: ritterim.com/aep And as I’m known to frequently say, we will have that link in our show notes for you. Now go see for yourself! Surviving AEP with Ritter Insurance Marketing Mentioned in this episode: Ritter Insurance Marketing Official Website Surviving AEP More episodes you’ll like: June 12, 2020 | The Friday Five The Friday Five for June 12, 2020: The Cost of Treating COVID-19; Coronavirus cases on the rise in Arizona; HHS announces new data reporting protocol for COVID-19; Lemonade files for IPO; and Federal Reserve Announces Interest Rate & Projections FAQs About AHIP Have questions about AHIP? We've got answers! In this episode, we answer some frequently asked questions about AHIP certification. How to Sell Medicare Advantage Plans – FREE Guide Get ready to find out what selling Medicare Advantage is all about! Whether you’re already an insurance agent selling Medicare or you’re transitioning to MA sales, we want to help you build your career. Our eBook is packed with information on Medicare Advantage – certification, contracting, sales pitches, cross-selling tips, training, marketing, and more! Wondering who qualifies for MA plans or when you can enroll your clients? We answer those questions, and give you an AEP Ready-to-Sell Checklist, FAQs on AHIP, and info on enrolling clients online with Medicareful. The Best Software for Tracking Your Medicare Commissions How do you track your Medicare commissions? Want a better solution? Listen to this episode of our ASG Podcast for suggestions on tracking (and troubleshooting!) your hard-earned insurance commissions. The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare. The latest from Ritter’s Blog: How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking? Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
How do you keep your Medicare business thriving after Annual Enrollment ends? What can you sell outside of AEP? We talk products for your portfolio, selling strategies, and compliant follow-up, and more! Read the text version. Register with Ritter Mentioned in this Episode: 2012 Facts from LIMRA 3 Ways to Calculate Your Clients’ Life Insurance Needs 4 Reasons Why Ritter Should Be Your FMO Insurance Agency Building Client Loyalty: More Than Just a Plan Genesys Releases Customer Satisfaction Surveys Getting Started Selling Medicare Supplements Ritter Leads Program Rules for Hosting a Compliant Medicare Educational Event SNPs: The Secret to Surviving Lock-in Secure a Bigger, Better Business with Ancillary Products Stay Busy Outside of AEP With Special Enrollment Periods The Part D SEP Triggers That Can Help You Post-AEP Try Cross-Selling Annuities to Fuel Sales More episodes you’ll like: January 17, 2020 | The Friday Five Oscar & Cigna teaming up, screening kids for toxic stress in CA, smart contact lenses, sweethearts are BACK, and our newest FREE eBook is now available for download! Starting Your Own Insurance Agency featuring Craig Ritter and Dave Dietz What does it really take to create your own insurance agency? We sat down with Craig Ritter, President and Owner of Ritter Insurance Marketing, and Dave Dietz, Senior Vice President of Marketing at Ritter, to pick their brains on the subject. These are just some of the questions they answer: When do I create an LLC? What qualities do I look for in downline agents? Should I follow the 80/20 rule? Listen now for the answers to these questions and more! The Beginner’s Guide to D-SNPs What is a Dual Eligible Special Needs Plan? How do you sell it? Where do you find dual-eligible prospects? Our D-SNP primer answers these questions and more! The Part D SEP Triggers That Can Help You Post-AEP A prospect wants to switch their Medicare Part D coverage, but AEP is over. Can you still help? YES! Listen to learn the different scenarios that can help qualify your client for coverage through a Special Election Period. Things to Think About Post-AEP AEP is over.
Happy New Year and Happy New Decade! In this episode, I am talking about various financial terms, concepts and help sustainable fashion brands analyze how they did in 2019 and plan out their 2020 financial goals. We’ve put together SO many resources this month when it comes to financials and funding for sustainable fashion brands so make sure you take advantage of them! Resources Mentioned: - Our Financial PDF Resource: www.recloseted.com/financials - Our complimentary one-hour masterclass on funding & financials: www.recloseted.com/masterclass - Annual Enrollment in our Conscious Apparel Academy (closes in a few days!): https://recloseted.mykajabi.com/apparel-academy - Our Conscious Apparel Academy: Financials & Funding course: https://recloseted.mykajabi.com/financials Please subscribe to Recloseted Radio if you haven’t already! If you enjoyed this episode and want to encourage others to join our mission to right the harmful fashion industry, please take a screenshot, share it on your social media, and tag us @Recloseted! Lastly, it would make our day and help us a lot if you left a rating and review for our podcast.
A huge Medicare Part D Update for 2020. This is very important for anyone that used Medicare’s Part D Plan Finder when shopping for their Medicare Part D plan for 2020. In October, Medicare decided to roll out a new and “improved” Part D Plan Finder on their website on October 1st, 2019 only two weeks before the Annual Enrollment period. Unfortunately, the information in the Plan Finder was found to be conflicting with the information from the Part D carriers. Zip codes were incorrect, pharmacies, the premiums but most importantly the costs of the medications. There were numerous errors with their system. Unfortunately, anyone that was shopping for their Part D plan without the assistance of an agent or broker wouldn’t know if there were errors in the system and took their information as gospel. This has resulted in many seniors with the wrong Part D plan. Luckily, Medicare has admitted the mistake and has allowed a Special Election Period under this specific circumstance. On Medicare’s website it reads: “If you believe you believe you made the wrong plan choice because of inaccurate or misleading information, including using Plan Finder, call 1-800-MEDICARE and explain your situation. Call center representatives can help you throughout the year with options for making changes.” You can find this information under this link to Medicare’s website: https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances-special-enrollment-periods Senior Healthcare Direct’s customer service agents have tested this SEP and it works! So please, if you feel that you have purchased the wrong Medicare Part D plan because of incorrect information on their Plan Finder, give Medicare a call and explain the situation to them and they will correct the mistake and put you on the Part D plan that’s best for you. If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: Website - https://www.seniorhealthcaredirect.com/ Facebook - https://www.facebook.com/MedicareBob/ Podcast - https://anchor.fm/MedicareBob Twitter - https://twitter.com/MedicareBob YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1
Check out the latest episode of Tell Me Why, in which Adrienne Schneider, Director of Benefits, shares the scoop on Annual Enrollment for 2020 benefits. Adrienne discusses several enhancements we’re making for 2020, introduces the DFW ConnectedCare option for DFW-area team members and previews several other changes team members can look forward to for 2020 like an enhanced Wellness program.
Prepare for AEP with help from the Agent Survival Guide team! Use these steps as you get ready for the 2020 Annual Enrollment Period. Read the text version. Learn more about Ritter’s Annual Summits Ritter Insurance Marketing info mentioned in this episode: Carrier Pages Certification Center Contracting Licensing Email Licensing Fax: 888-509-7058 Official Website Sales Team More episodes you’ll like: 2020 AHIP Certification UPDATE | ASG News Update: 2020 AHIP certification is LIVE! Need to know where to find carrier-specific Medicare Advantage and prescription drug plan certification requirements? We cover everything you need to know about AHIP! The Survivor’s AEP Checklist | ASG002 Get ready for Annual Enrollment with the Agent Survival Guide AEP Checklist! What is AHIP and Why Do You Need It? | ASG001 Learn more about AHIP requirements, how to get certified, and ways to find discounts on AHIP courses. The latest from Agent Survival Guide: 2020 Maximum Broker Commissions: Medicare Advantage & Medicare Part D 4 Perks of Partnering with an FMO How to Get Your Medicare Enrollment Kits on Time FAQs about AHIP Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook Twitter YouTube LinkedIn
Episode 7 is all about how to generate leads by partnering with providers! Generating your own leads can seem like a daunting task; and once AEP ends, it can be difficult to make sales. We talk about some of the ways you can continue selling outside of Annual Enrollment like selling Medicare Supplement Plans and... The post How to Generate Leads: Partnering with Providers – Ep. 7 appeared first on Selling SMART with Senior Market Advisors.
This week we are diving further into Medicare, discussing Medicare Supplements and Medicare Advantage Plans. We talk about the differences between the two, how they cover what Medicare doesn’t, and how much they cost. We also discuss the biggest similarity of them both: they don’t cover long-term care! How do you fill the gap that this leaves? How does Medicaid fit into all this? Listen to find out! If you would like to follow along with the show in the book, you can get the books on Amazon or download the corresponding chapters on CardinalGuide.com! Hans can be reached at 919-535-8261 or Hans@cardinalguide.com.
Medicare Open Enrollment 2019 is now! Learn why you should get your free quote and learn how you can do it. Get started with your Annual Enrollment with Keith Armbrecht who shows you everything. Important information about the 2019 Medicare Open Enrollment period also called the Annual Election Period : This is the time of year to review your Medicare choices.. Last day for Open Enrollment is December 15, 2018. People want to know how the Bipartisan Budget Act of 2018 will impact Medicare Part D in 2019 and beyond. Important Medicare 2019 enrollment considerations .The best Medicare Supplemental Insurance Plan and You: You should get insurance quotes from different companies. Know when to Sign Up for Medicare Insurance Services. Watch our other videos and learn when to apply for Medicare for the first time. Now you know how to change Medicare insurance plans. Medicare On Video allows you to compare competitive quotes from multiple resources so you can choose the best Medicare supplemental insurance plan for you. See 2019 Open Enrollment overview for Medicare members’ video. Want to know what is the best Medicare Supplemental Insurance plan? This video outlines what you can do and the changes you can make during the 2019 Medicare Annual enrollment period regardless of the type of Medicare coverage you have. When it comes to Medicare enrollment there are certain times when you can sign up and it’s very important to know it before you miss it or make mistakes. No matter your situation, knowing when to sign up for Medicare is important, as failing to sign up on time could leave you with late enrollment penalties. Watch important information about the Medicare Open Enrollment period. Medicare open enrollment 2019 - Annual Enrollment period is where you can sign up or change your plans. Pre existing condition Medicare supplement insurance is available. • Medicare drug plans comparison • Enrollment period for Medicare • Threshold for additional Medicare tax Do you have additional questions about the differences between Medicare Supplement Plans and what they cover? We can help you through this. An overview of the different Medicare Supplement plans and what they cover could be of help to you. Medicare On Video makes it easy for you to find out when to apply for Medicare and if you're eligible to apply for Medicare insurance plans. Be sure to amend your cover during the 2018 Medicare enrollment period. During the open enrollment period for Medicare all registered members are provided the chance to change their healthcare plan. Supplemental health insurance can be a smart choice for many people. In this video, we go over how to sign up for Medicare and when to sign up for Medicare.
A helpful tip during the Annual Enrollment period. This tip will help avoid confusion between you and your doctor’s office: As you’re shopping for a Medicare plan, it is very common that we ask our doctors which plans they accept. If you decide to go with a Medicare Advantage plan, if it very important to check with your provider to make sure that they accept the HMO or PPO plan of the carrier that you’re choosing. For example, if you were choosing and HMO plan with United Healthcare, you would call your doctor’s office and ask if they accepted the United Healthcare HMO Medicare Advantage Plan. Ninety percent of the time they will tell you yes or no and then you can proceed from there. If you are choosing a Medicare Supplement plan (Medigap plan), the ONLY question you need to ask your doctor is if they accept Original Medicare because there are no networks with Medicare Supplements. Medicare is the network. For example, if you decided to choose a Medicare Supplement Plan G with Mutual of Omaha, do not ask your doctor’s office if they accept Mutual of Omaha because what they will do is look up whether or not they accept Mutual of Omaha’s HMO or PPO plan. Simply ask your doctor if they accept Original Medicare because every provider that accepts Original Medicare will accept your Medicare Supplement regardless of the carrier.
Get Ready for AEP with the ASG team. Use these tips for your most successful Annual Enrollment yet. Read the text version. Mentioned in this Episode: Do's and Don'ts of Medicare ComplianceMedicarefulRitter Agent RegistrationRitter's Carrier PagesRitter's Certification CenterRitter's Event CalendarRitter's Medicare Quote EngineRitter Referral ProgramRitter's Sales Team Related: 2019 Medicare Advantage & Part D Certification Info Is HereThe Survivor’s AEP ChecklistWhat is AHIP and Why Do You Need It? Subscribe Here: Apple PodcastsGoogle PodcastsOvercastPodbeanSpotifyStitcher Connect With Us: FacebookTwitterYouTubeLinkedIn
When Congress passed the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, Medicare went through a huge change. Among other things, this act started the beginning of Medicare Part D prescription drug coverage. Since Medicare Supplements can no longer be sold with prescription drug coverage, the Medicare Supplement Plan G does not offer prescription drug coverage. The supplements all use stand-alone drug plans, Medicare Part D. The great thing about using a stand-alone drug plan is that you can shop for the drug plan that is the best value and covers your medications the best. Every Part D plan is different based on the medications you're taking at that time. There is no way to list an exact cost for these plans. The good thing is you can shop these plans every year during Annual Enrollment (starting Oct. 15th and ending Dec. 7th) and we do that for our clients every year as a service to them.
Each year, you have a chance to make changes to your Medicare Advantage or Medicare prescription drug coverage for the following year. This time frame is called the Annual Enrollment Period. Every year the Annual Enrollment starts on October 15th and ends on December 7th. Below is a list of all the changes you are allowed to make during this period. • Change from Original Medicare to a Medicare Advantage Plan. • Change from a Medicare Advantage Plan back to Original Medicare. • Switch from one Medicare Advantage Plan to another Medicare Advantage Plan. • Switch from a Medicare Advantage Plan that doesn't offer drug coverage to a Medicare Advantage Plan that offers drug coverage. • Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn't offer drug coverage. • Join a Medicare Prescription Drug Plan. • Switch from one Medicare drug plan to another Medicare drug plan. • Drop your Medicare prescription drug coverage completely.
Get ready for Annual Enrollment with the Agent Survival Guide AEP Checklist! Read the text version. Mentioned in this Episode: AHIP WebsiteRitter's Carrier PagesRitter's Certification CenterRitter's Event Calendar Related: The Latest on 2019 AHIP CertificationWhat is AHIP and Why Do You Need It?What to Know About SOAs in Senior Market Sales Subscribe Here: Apple PodcastsGoogle PodcastsOvercastPodbeanSpotifyStitcher Connect With Us: FacebookTwitterYouTubeLinkedIn
Annual Enrollment is just around the corner so here are some essential Medicare Advantage compliance updates as well as new tips and techniques for selling MA effectively and efficiently during AEP.
David Broyles and Brandon Fox discuss Annual Enrollment and Benefits Discounts with Marsha Brock
The Center for Medicare & Medicaid Services, has recently announced the costs for Medicare in 2017. The one change that everyone is talking about is the increase to the Medicare Part B Premium. Last month, Social Security announced a .03% COLA for Social Security beneficiaries in 2017. With the COLA announcement, the hold harmless rule is in effect. This means if the social security COLA doesn’t cover the increase to the Medicare Part B base premium, those individuals who already have their Medicare Part B premium taken out of their Social Security benefit check will not see that deduction in their benefit check. The hold harmless individuals, who make up about 70% of all Medicare beneficiaries, won’t even come close to covering the $134.00 base Part B premium in 2017. The hold harmless protection will squeak out a Medicare Part B premium increase of about $109.00. The hold harmless rule does not protect individuals who: Are enrolling in Medicare Part B for the first time. Haven’t started receiving their Social Security Benefits and are enrolled in Medicare Part B. Are directly billed for their Medicare Part B premium Make an annual income of $85,000.00 or more Are enrolled in the Medicare Savings Program (States pay the new Medicare Premium increase). Are enrolled in Medicare and Medicaid, the State pays for the individual’s Medicare premiums. Individuals who are not protected by the hold harmless rule, and have an annual income of less than $85,000.00, will be paying a base Part B premium of a whopping $134.00 a month in 2017. Individuals with an annual income of more than $85,000.00, but less than $107,000.00, will pay a Part B premium of $107.50 a month. Individuals who earn an annual income between $107,000.00 and $160,000.00 will pay a monthly Part B premium of $243.60. Those who earn an annual income between $160,000.00 up to $214,000.00 will pay $316.70 a month premium for Medicare Part B. Finally, those individuals who earn an annual income of more than $214,000.00 will pay $389.80 a month. The Medicare Annual Enrollment Period is in full swing and allows Medicare Advantage enrollees the opportunity to voluntarily make plan changes, which are effective January 1, 2017. Individuals can make the following changes during the Annual Enrollment Period: Switch from one Medicare Advantage Plan to another Medicare Advantage Plan. Drop their Medicare Advantage Plan and go back to Original Medicare. Switch from a Stand-alone Prescription Drug Plan to a Medicare Advantage Prescription Drug Plan and vice versa. Go from Original Medicare onto a Medicare Advantage Plan. Stay with the Medicare Advantage Plan they currently have. Switch from a Medicare Supplement Plan to a Medicare Advantage Plan. Drop a Medicare Advantage Plan and enroll in a Medicare Supplement Plan (underwriting may apply). But according to a brief published by The Kaiser Family Foundation in September of 2016, from 2007 – 2014, only an average of 10% of Medicare Advantage enrollees voluntarily switched plans each year. (https://goo.gl/KqmCXL) In my experience, Medicare enrollees do not have enough resources to make informed decisions in selecting a Medicare plan for themselves. During the Annual Enrollment Period, people are bombarded with TV infomercials, newspaper ads, direct mail offerings and inaccurate advice from friends and family. Overwhelming information! So what is the answer for over 31% of Medicare beneficiaries on Medicare Advantage Plans during the Annual Enrollment Period? There are several options available. If you have a Medicare Advisor or Insurance Agent, who can offer you several different Medicare Advantage carriers in their portfolio – call them. It wouldn’t be in your best interest to contact an insurance agent, who works for only one Medicare insurance carrier. These agents are only able to offer you Medicare Advantage Plans from their one carrier. They will not have your best interest in mind. If they don’t enroll you in one of their plans, they won’t get paid. Using a Medicare Advisor or insurance agent, who has different Medicare carriers available to you, will have your best interest. They will help find you a Medicare plan that fits your unique needs. If you don’t personally know a Medicare Advisor or insurance agent, you can Google “Medicare Advisor + your town.” An example would be – Medicare Advisor Tampa, FL. Each State has a Department of Aging, with volunteers to assist you with your Medicare questions. Advise the representative that you’d like to speak with someone who is knowledgeable with the different Medicare Advantage Plans in your area and they will connect you with a person who is unbiased. Many States have educational seminars on Medicare at community Senior Centers. Ask if any will be in your area. Individuals can go onto the www.Medicare.gov website and use the plan finder database, but understand the information is not 100% complete. The Medicare Part B premium increase for 2017 is going to make many people anxious and frustrated. It is in your best interest to plan ahead and research your Medicare plan options at least three to four months prior to turning 65. If you are still employed and on an employer’s health insurance plan, compare your cost for your employer’s plan against Medicare plans. Don’t forget to calculate the Medicare Part B premium into your comparison. You can participate in a credible employer health plan and not have to enroll in Medicare Part B when you turn 65. In my experience, I have found over 80% of the time, a Medicare Supplement plan is more cost effective than the employer’s plan. The Medicare Supplement plan also provides the freedom to choose any physician in the United States, who is contracted with Medicare. Take your time and do your due diligence. “A stitch in time saves nine.” Properly preparing for your initial enrollment in Medicare and choosing a Medicare plan that fits your unique needs, will save you the aggravation and possibly making a poor financial and health coverage decision. Need help with understanding Medicare? Call SAMM is available throughout the Annual Enrollment Period to help educate you about Medicare plans. Call 855-855-7266 for more information. You can also send an email to Support@TheMedicareNation.com
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