Transcript Berwick Insurance Group NMA / FMO

BERWICK INSURANCE
WELCOME!
We will begin Shortly…
Sales Meeting &
Focus Discussion:
“Infinite Possibilities”
June 16, 2014
AGENDA
1. Headline News
 AHIP
 UnitedHealthcare
 Humana
 Mutual of Omaha
 Aetna/Coventry
 Cigna
2. Compliance
 Member Complaints to CMS
 How to Prevent Complaints
 Avoid Rapid Disenrolls
3. Focus Discussion:
“Infinite Possibilities”
Headline News
AHIP
www.ahip.org
Available on their website on June 23rd, 2014
Will be 6 sections this year instead of 5
Fraud, Waste, and Abuse has been added
Make sure the test you take says 2015
certification
• The cost is $150 when taken directly from this
site
• Discounted rates are available from the carrier
sites if you would like to wait.
• Aetna and Humana will pay for AHIP next year
with 10 MA sales in OEP.
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Headline News
UnitedHealthcare News
1. 2015 Certifications
 Available July 1st
 Stay tuned for Certification incentives from Berwick!
2. ASL Services
 UHC provides FREE interpreters
 Complete ASL Request form on UHC portal
 Contact PHD (AFTER form is completed)
 Interpreter will contact you to coordinate meeting time
 See “Meeting w/ Hearing Impaired” instructions
Headline News
Humana
 New Newsletter with important news
Mutual of Omaha
 New Lower Rates – all over country!
 Check out emails sent to you by Mutual of Omaha
Headline News
Aetna/Coventry
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July 1st Combined Contract available, Re-contracting to start
July 15th updated Aetna Producer Guide Released (download from website)
July 17th 2015 Certification begins
Go to Carrier Website take AHIP
 Frontrunners get free AHIP
AHIP has 6 sections including FWA for 2015
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
Then you are ready to sell.
July 18th Aetna 2015 First Look Available (Disclaimer-Benefits Not Final)
August 6th Aetna Broker Training released (Disclaimer-Benefits Not Final)
August 25th Aetna Sales Presentation and Video Released. (Agents can use in presentations)
September 1st Broker Plan Booklet (Broker Use Only)
September 15th Kit Pre Orders (Tentative Date)
September 15th New Frontrunner program criteria
October 1st AEP Marketing Begins
October 15th AEP begins
October ?? 2015 Star Ratings announced
Headline News
Cigna/Healthspring
• New Carrier to Berwick Insurance Group
• Cigna will only offer MA plan in 2015, PDP will be
discontinued
• Offered in 17 States for 2014:
• AL, AR, AZ, DE, DC, FL, GA, IL, IN, MD, MS,
NC, OK, PA, SC, TN, TX
• Certifications
• AHIP or “New option” for 2015 certs required
• More info to follow on the “new option”
• Internal certifications
• Face to face
Compliance
1. Member Complaints to CMS
 Biggest issue affecting Star Ratings
 Important to have your client call YOU or UHC if they have an issue
 Create Business Card Magnets to leave behind
 Have them put your contact info in their phone/address book
 Highlight UHC’s number in Enrollment Booklet
 You are assessed Complaint points for a CMS complaint!
 Too many points and your contract can be termed!
2. Prevent Complaints
 #1 Reason for complaints is Wrong Provider!
 ALWAYS check ONLINE Provider Directory!
3. Audits are Coming!
 We will call you if we need anything!
 Make sure you have done FWA training & monthly Exclusions
Checks on all NON-agent personnel!
Compliance
4. Avoid Rapid-Disenrolls
 Keep member engaged throughout meeting
 Use scenarios to explain benefits/how MA plans work
 Follow Up Calls
 Contact member to check to see if they received their Enrollment packet
 Make sure Doctor is correct on Card
 Do a few checks throughout the year to ensure everything is going well
and your client is happy with coverage!
 DUALS have higher dis-enrollment rates!
 Make sure your clients UNDERSTAND!!
5. Generic Advertising
 We MUST Review your Ads!
 Don’t forget Berwick Portal has Generic Templates
 If you need something you don’t see, ASK US & we’ll create
it for you!
 Please submit your Generic ads for review to:
[email protected]
Focus Discussion
“Awesome New Product”
Innovative product:
• Gives your Clients 24/7 Access to physicians. Anytime! Anywhere!
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Saves them time and money
Avoid ER and Urgent Care Waiting Rooms
Costs less than $1 per day
Available in all 50 States
Over 2300 physicians , largest of its kind
Has 97% Customer Satisfaction Rate
Doesn’t require a License or Certifications
Great way to prospect for new clients
You can sell over the phone to Individuals, Families, Groups, Medicare
Recipients
• Cannot be purchased directly from the company, must be through a broker
Focus Discussion
Introducing healthiestyou
 Over 70% of all ER, Urgent Care & Doctor’s visits can be
safely and effectively handled OVER THE PHONE!
 9 most common consultations:
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Allergies
Bronchitis
Earache
Sore Throat
Sinusitis
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Pink Eye
Strep Throat
Upper Respiratory Infection
Urinary Tract Infection
It’s the most convenient benefit
since doctors made house calls!
Focus Discussion
healthiestyou
Physician Access
Benefits
- 24/7 physician access via
phone, email or video
- Address health issues on
own schedule
- Physicians can diagnose &
prescribe non-narcotic meds
- Fewer sick days taken
- Utilization encouraged, NO
CONSULTATION FEES
- No Underwriting
- Easy Enrollment
- Immediate advice or 2nd
opinions
- Measurable reduction in
health costs
- Prescription Savings
- Healthier Employees
- Disease Management
- Increased employee
productivity
Personalized
Wellness
- First-of-its-kind wellness
program
- Smarter-with-use online
member health platform
- Clinically-validated through
Stanford Medical School
- Improves weight, stress, blood
pressure, mood & more!
Focus Discussion
healthiestyou
Here’s how Plan works:
 Client calls healthiestyou #
 Healthcare coordinator takes info
 Licensed Physician from their state calls back w/in
maximum of 3 hours – average time 11 minutes
 Doctor consults, diagnoses and prescribes treatment
Focus Discussion
CLIENT COST$
Focus Discussion
healthiestyou
Here’s how You Contract:
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We send you email link
Complete Form & Submit
You receive an email verifying your contract
Log back into site & e-sign contract
Ready to Sell!
Here’s how You Sell:
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Send Email to Client (paper app also available)
Client clicks on link
Completes form w/credit card info
Submits
You Start Getting Paid!
Focus Discussion
healthiestyou
COMMISSION$
 Agent receives 15% of Premium
 Paid as Earned
 No Production Requirements
 Paid Monthly
FACTS:
 No long term contracts- its Month to Month
 No Usage Minimums or Maximums
 No Co-pays!
Focus Discussion
healthiestyou
Here’s how to Market:
 Use as a door opener product
 Sell this plan now
 Use those contacts for Medicare referrals in OEP
 Great source of income & referrals
 Appoint someone in your office to call your clients –
No Insurance License required!
 No CMS regulations for marketing
Q&A