Transcript Berwick Insurance Group NMA / FMO
BERWICK INSURANCE WELCOME!
We will begin Shortly…
Sales Meeting & Focus Discussion: “AEP Prep: Event Reporting”
August 4, 2014
AGENDA
1.
Headline News
2015 AHIP UnitedHealthcare Cigna HealthSpring Aetna/Coventry Humana Mutual of Omaha
2.
Compliance
Certifications Licensing Generic Advertising
3.
Focus Discussion: “AEP Prep: Event Reporting”
Headline News 2015 AHIP
• • • • • • •
Available on website starting 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!
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
UnitedHealthcare
2015 PLANS ARE OUT!!!
Check out Berwick Portal!
Cigna HealthSpring
2015 PLANS ARE OUT!!!
Offered in 17 States :
AL, AR, AZ, DE, DC, FL, GA, IL, IN, MD, MS, NC, OK, PA, SC, TN, TX
Check out Berwick Portal!
Headline News Aetna/Coventry
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 September 15 th Broker Plan Booklet (Broker Use Only) Kit Pre Orders (Tentative Date) September 15 th New Frontrunner program criteria October 1 st AEP Marketing Begins
Headline News
Humana
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!!
Mutual of Omaha
New Lower Rates for Plan G – all over country!
National Average Rate Changes:
2013 = 5.9%
2014 = 4.2%
Compliance
1.
2.
3.
Certifications!
GET PORTFOLIO CERTIFIED!
If you’re not certified & you sell a 2015 plan, YOUR CONTRACT WILL BE TERMINATED!!!
VERY Important to take ALL Certifications!
Licensing!
#1 Reason for agent terminations – license has lapsed!
Make sure you licenses are up-to-date, especially in NON Resident states!!
Generic Advertising
We MUST Review your Ads!
Don’t forget Berwick Portal has Generic Templates If you need something, ASK US & we’ll create it for you!
Please submit your Generic ads for review to: [email protected]
Compliance
Secret Shopper Results
Star Ratings:
Agents MUST indicate where member can find rating in the packet or you FAIL shopper results.
Prescription Drug Coverage:
Explain late enroll penalties
Explain how to appeal for coverage
Pharmacy Networks
Coverage Gap Meetings:
Do NOT require consumer’s contact info
Do NOT take attendance from an RSVP roster
Marketing:
Do NOT put “This is an advertisement”
Do NOT put “By calling this number you reach a licensed agent.”
CAN put “Free” if it’s about agent services
i.e. “Contact me for a free evaluation.”
Compliance
Marketing:
Do NOT put “This is an advertisement” Do NOT put “By calling this number you reach a licensed agent.” CAN put “Free” if it’s about agent services
i.e. “Contact me for a free evaluation.”
BRC: Consumers Must Know…
Who Card is From
What products will be discussed Method by which they will be contacted by you Cannot require contact info Cannot ask: DOB, Medical or Prescription info.
Miscellaneous:
Cannot do Generic Sales Presentations Cannot do AEP Marketing for 2015 prior to Oct. 1
Focus Discussion Certification Incentive Winners
Week 1: Alan H., California Annette H., Wisconsin Week 2: Isabel D., New York John S., California
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:
Focus Discussion “AEP Prep: Event Reporting”
Definition of an Event: Community Meeting Any meeting held in public place Includes: Private club, Church, Club House, etc.
Booth/Table located ANYWHERE!
NOT an Event: Any meeting or presentation held in a personal residence!
MUST DOs: Report Every Event in a timely manner Schedule at least 3 weeks in advance Use CMS approved presentation materials SHOW UP!!!
Focus Discussion “AEP Prep: Event Reporting”
1.
Secure Event Space 2.
Complete ALL Required Certifications 3.
Submit Event date to Carriers: UHC = 21 days before date of event Complete Event Form Must be reported to CMS by all carriers EVENT WILL NOT BE ACCEPTED • • If submitted FEWER than 21 days If submitted without Agent Certification 4.
Use Carrier Checklists and ALL Resources
Focus Discussion “AEP Prep: Event Reporting”
Changes to event: Submit minimum 3 days prior Cancelling event: Minimum 7 days prior • • • • Must Notify Carrier!
Every effort must be made to notify members who have RSVP’d Notifications to members should be documented NEVER cancel < 7 days before event – get another agent to take your place.
Focus Discussion “Carrier Contracts”
CALL US TO MAKE SURE YOU HAVE ALL THE CONTRACTS YOU NEED 888-745-2320