I had an agent tell me recently that “United was more generous than Humana because they offered unlimited renewals.” Currently, Humana offers a six-year tail on MAPD and PDP enrollments, which begins with either the “initial” or “replacement sale,” as CMS defines it.
Okay, so we’re all familiar with the basics… AEP runs October 15 to December 7 (six months from tax day to “A day which will live in infamy”), MADP runs January 1 to February 14 (New Years to Valentines Day, piece of cake), and the rest of the year, or ROY as they call it at Humana, runs February 15 through December 31.
Then there’s those “other scenarios,” hundreds of them it seems. I need an overhead projector and a flow chart to make sense of them all. Well, rather than chew up our entire morning reviewing the scenarios, let’s take a look at one each day until we nail down five of the most common.