BERWICK INSURANCE

WELCOME!

We will begin Shortly…

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Sales Meeting Must Have Info:

Compliance AEP Commissions UHC 2015 Plans

July 21, 2014

AGENDA

1.

Headline News

 2015 AHIP  Humana  Aetna/Coventry  Cigna HealthSpring

2.

Compliance

 Certifications     Generic Advertising CMS Audits/Request for Info OEV Calls Events

3.

Focus Discussion: “Commissions & UHC 2015 Plans”

Headline News

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2015 AHIP

Available on website on June 23, 2014 ONLY 5 sections NEW Fraud, Waste & Abuse section Make sure the test you take says 2015 certification The cost is $175 when taken directly from AHIP site $125 through carrier sites – Now Available thru UHC!

If you are re-certifying, you only have to read modules 4 & 5 -> YOU ARE TESTED ON ALL 5 MODULES!

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After successful completion of the final AHIP exam, the FWA course will “unlock” When it is complete, the FWA exam will “unlock” Agents have 1hour to complete the 10-question exam. They must score 90% to pass. Once the FWA exam is completed, General Compliance course will “unlock.” No EXAM!

After completing AHIP, you have the option to purchase Continuing Education credits

Headline News Aetna/Coventry

               July 1 st July 15 th Combined Contract available, Re-contracting to start updated Aetna Producer Guide Released (download from website) July 17 th 2015 Certification begins Go to Carrier Website take AHIP  Frontrunners get free AHIP Aetna/Coventry has 1 online class called core training Schedule yourself for Local Market Training After attending local training, go to website online and complete and pass the local market test

READY TO SELL!

July 18 th Aetna 2015 First Look Available (Disclaimer-Benefits Not Final) August 6 th Aetna Broker Training released (Disclaimer-Benefits Not Final) August 25 th Aetna Sales Presentation and Video Released (Agents can use in presentations) September 1 st Broker Plan Booklet (Broker Use Only) September 15 th September 15 th October 1 st Kit Pre Orders (Tentative Date) New Frontrunner program criteria AEP Marketing Begins

Headline News

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Humana

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Not doing a National Plan Reveal Look for local trainings Beginning Aug/Sept.

Each agent will be notified by Local Sales Mgrs.

Please READ your emails!!

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Cigna HealthSpring

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Waiting for info on Plan Reveal Please READ your emails!!

Headline News Cigna HealthSpring

• • • In 2015, ONLY MA plans available - PDP discontinued!

Offered in 17 States :  AL, AR, AZ, DE, DC, FL, GA, IL, IN, MD, MS, NC, OK, PA, SC, TN, TX Certifications: • AHIP or “New option” for 2015  Now accepting Pinpoint’s Medicare Certification  Only $70 thru Cigna’s website  Only 90 minutes • • Internal online courses Face-to-face (1 st year only)

Compliance

1. Certifications!

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GET PORTFOLIO CERTIFIED!

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If you’re not certified & you sell a 2015 plan, YOUR CONTRACT WILL BE TERMINATED!!!

VERY Important to take ALL Certifications!

2. Licensing!

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#1 Reason for agent terminations – license has lapsed!

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Make sure you licenses are up-to-date, especially in NON Resident states!!

3. Generic Advertising 

We MUST Review your Ads!

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Don’t forget Berwick Portal has Generic Templates If you need something, ASK US & we’ll create it for you!

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Please submit your Generic ads for review to: [email protected]

Compliance

4. CMS Audits/Request for Info 

CMS can now contact any Agent or Agency for Info

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If you are contacted by CMS for ANYTHING call Berwick Compliance immediately!

DO NOT respond to CMS prior to contacting us

5. OEV Calls 

UHC will no longer be making OEV Calls!

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Members will get a “Welcome Letter” & at 1 month a follow up “Welcome Call”

Focus Discussion “Certification Incentive”

Certify for 2015 by September 19 th You could win 1000 FREE mailers!

(Berwick will do all the work…You just need to complete your 2015 certifications!)

The Earlier you Certify, the More Chances you have to WIN!

Focus Discussion “Certification Incentive”

It’s easy! Here’s how w/ UHC:

 2015 Medicare Basics   2015 Ethics & Compliance 2015 AARP 101    2015 Medicare Advantage plans 2015 Prescription Drug plans 2015 Medicare Supplement, Dual Complete (optional for this incentive, HIGHLY recommended)

Send the certificates showing you completed courses

Email:

[email protected]

Focus Discussion “Commissions”

 CMS NEW RULINGS 

Renewals can be up to 50% of the current year’s New to Medicare amount.

Example: • 2013: NTM = $413 then 2014 Max Renewal = $207.50

• • 2014: NTM = $450 then 2015 Max Renewal = $250 Works the same is NTM total goes down.

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CMS will NOT ALLOW Carriers to pay AEP commissions prior to Jan. 1

 All sales made in AEP = Commissions will be paid in Jan/Feb 2015!

Focus Discussion “UHC 2015 Plans”

 Commissions “Turned On” last week 

57 CIP & AARP Medicare Complete plans are restored to FULL COMMISSION (as of July 17, 2014)

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Read the email sent to you by UHC for specifics

 UHC 2015 Plan Preview   

Sent Email on Friday – UHC Med Adv. Plan Preview If you didn’t receive, retrieve from Berwick Portal DO NOT DISCUSS w/ CLIENTS!!!!

 DON’T FORGET  

RENEW YOUR UHC CONTRACT CERTIFY TODAY!!

Q & A