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  • Medicare + Individual Coverage???
    I'm working with a prospect, under the age of 65, however she is on Medicare due to ESRD. I tell her (rather her father who is who caregiver) options are limited because ESRD is the knockout for the majority of options Supplemental or Part C. Very few SNP plans will take a ESRD patient. Her father asks the social worker. The workers says that the daughter can be covered due to the new law......
  • Under 65 on Medicare with Advantage Plan
    I have an individual who signed up for a Medadvantage Plan effective 1-1-2014. She turned 65 in June and does not like her current plan due to out of pocket (she has significant health issues). Since she is still in her IOE, can I transfer her to Medicare Supplement? In advance, thank you for comments and guidance....
  • Medicare Question
    I have a client age 66 that's on her husband health insurance plan. She is wanting to switch to Medicare but hasn't enrolled into Part B yet. Does she have to wait till January to enroll and start her Part B benefits in July ?...
  • Why Does Medicare Deny Claims?
    I'm just starting my 3rd year in the Medicare supplement business so I'm starting to run into more questions from clients about bills and what not. Several clients I've talked to recently have had routine, "medically necessary" tests and treatments done that Medicare has denied. For example, one of my clients got bit in the face twice by her daughter's cat. Throughout the day, her face......
  • LIS Verification Via Medicare.gov ?
    Being new to MAPD/PDP business, was told a non-Medicaid but full LIS senior can get "Extra Help" for their premiums. Yes? Can an agent with prospect's HICN obtain LIS status on Medicare.gov site? How? Thanking you in advance!...
  • Ritter Insight on CMS Changes, AEP Prep for Medicare Agents
    Craig Ritter recently provided some insight about changes this AEP such as delayed commissions and dropping the outbound enrollment verification calls (link to new article below). He also offers advice on what agents should be doing to prepare for AEP. What are some of the key things you are doing to be ready to hit the ground at full speed come Oct. 15? What concerns you the most at this......
  • Update to the Medicare Marketing Guidelines
    On June 17, 2014, the Centers for Medicare & Medicaid Services (CMS) released revised Medicare Marketing Guidelines (MMG). We issued an HPMS memorandum on August 14, 2014, clarifying various aspects of the revised MMG, including that MA Plans/Part D Sponsors are prohibited from calling existing enrollees to discuss other plan options (Section 70.6). We have since revisited our decision and......
  • Medicare Supplement Commissions !!
    Ok, lets talk medicare supp commission levels. What companies pay the best that have a good product and support....