We often get questions relating to the enrollment of Medicare eligible veterans outside of the Annual Election Period. In short, veterans are treated just as any other Medicare eligible person. There are a few things to note, however, when working with a veteran who is Medicare eligible. Here’s a short list of things to consider when helping veterans make an informed decision about Medicare Advantage enrollment:
Humana Medicare Agents
This was a question from one of our clients this past week. They sell Medicare Advantage policies and, as a prerequisite to selling these policies, are required to go through AHIP’s marketing certification for MA policies. By going through this Medicare training and signing an agreement with the carrier, are they HIPAA compliant?
Statistically, the number of Humana’s MAPD/PDP enrollments that result in an allegation against an agent is just a small fraction of a single percent. The number of allegations that are founded as a result of investigation are just a fraction of allegations themselves, which is outstanding. Here are my root cause reasons for these strong compliance outcomes:
Recently I’ve been getting a lot of questions about when recertification for AHIP and Humana will be available, and the best cost/benefit timing for getting newly certified for Medicare Advantage plans. Normally these web based modules come online for the upcoming season in late July, but it appears they are going live sooner than ever. AHIP training for 2014 plans will actually launch next week! For Humana, you can re-certify and newly certify for 2014 beginning July 15th.
Well, I left Orb and Goldensoul off my Superfecta this Derby weekend, so I guess I won’t be retiring anytime soon! Got a chance to speak with a Humana sales leader in Colorado last Friday. We discussed the timing and best strategies for getting an MAPD certification for marketing Humana products, if you do not have one already. As an agent not yet certified for MAPD you should be asking yourself a couple questions: “Is there an opportunity to enroll any beneficiaries into an MAPD plan between now and July?” “Do I plan to represent any of the under 65 major medical products offered through exchanges in the fall?” If you answered yes to either of these questions, now is a good time to get registered for Humana’s MAPD certification training. Here is my logic:
We can’t forget the importance of service, ethics, and compassion for clients in our roles as insurance professionals. I was reminded of this when I fielded a call last week from a plan member, who had some legitimate concerns. I rarely speak with the members themselves, so this caught me off guard at first. The lady on the line was noticeably upset, a bit frightened even, and looking for someone that would help her. She had just received notification that her Medigap plan was going to experience a significant rate hike for both she and her husband, and while she never came out and said it, I could sense that affordability of this new premium was a major challenge. She shared that it was very difficult to reach her agent, and after several attempts, was told that there was nothing that could be done, and that the reason for the increase was “Obamacare”. Her husband, also an older gentlemen, struggles with hearing on the phone, so she was stepping up to the challenge of finding solutions on behalf of them both. This woman was very sharp, and perceptive, but obviously needed someone with the expertise to advise her of any and all options available to reduce their cost of coverage. Having recently celebrated a birthday, her research revealed that there may be some favorable rules within this time period that might allow their to select another plan in their state of residency. Her existing agent had already written this option off.