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Special Election for Medicare Advantage Clients on the Move

Medicare choices

November 18, 2014 by Lance Hoeltke

[Read more…] about Special Election for Medicare Advantage Clients on the Move

Filed Under: Bishop Marketing Agency, Change of Residence, CMS marketing guidelines, Humana MAPD plan, Humana Medicare Agents, MAPD and PDP membership, MAPD enrollment, Medicare Annual Enrollment Period, Medicare Beneficiaries, Medicare choices, Medicare election periods, Medicare options, PDP enrollment, Selling, selling Medicare Advantage Plans, Service

May 22, 2014 by Lance Hoeltke

Answers about enrolling Veterans with Medicare outside of the Annual Election PeriodWe 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:

[Read more…] about Veterans and Medicare Plan Enrollment

Filed Under: CMS guidelines, CMS marketing guidelines, HMO, Humana, Humana MAPD plan, Humana Medicare Agents, Humana Medicare Plans, Humana’s Medicare health plans, MAPD and PDP membership, MAPD enrollment, Marketing Humana Medicare Plans, Medicare Advantage, Medicare Annual Enrollment Period, Medicare Beneficiaries, Medicare choices, Medicare Health Plans, Medicare options, PDP, PDP enrollment, Selling, Veterans and Medicare

June 18, 2013 by Larry Bishop

Thirty three years ago when I started selling Medicare Supplement plans, in the back of my mind I knew someday I would be on Medicare myself.  What I did not know was the range of choices that would be available to me beyond traditional Medicare Supplement plans.
 
As I have indicated in the past my wife and I went onto Part A and enrolled in Part B of Medicare this year.  I started on May 1st and my wife February 1st.   Just some background, the past eight years I have had a high deductible plan with Life Wise of Washington state.  We had a $6000 family deductible plan and was paying about $700 per month the last year we had the plan.  I had also enrolled in an HSA eight years ago as well so today the balance of my HSA account is over $50,000.  As most of you know this fund can be used for co-pays for doctors visits as well as prescription drugs.  
 
My wife and I both chose the $0 premium MA only PFFS plan available in Washington state. (My wife does take some prescription drugs so I enrolled her in Humana’s WalMart standalone PDP, as I do not take any drugs, I chose not to enroll in a PDP.)  This is a Medicare look alike plan meaning I am responsible for the Part A hospital deductible and 20% of the Part B outpatient expenses, however, there is no Part B deductible, I pay 20% from the first dollar of charges.
 
I have used this plan three times so far, twice at the ophthalmologists and once at the dermatologists.  I could not be happier with how the plan works.  First of all, I am not paying for my healthcare in advance in the form of a premium.  Not for a high deductible plan like I did before going onto Medicare or for a traditional Medicare supplement.  I am only paying for 20% of the Medicare approved charge and that is a lot less the than the $8400 in premium I paid for Pat and I last year.  If I had chosen a traditional Plan F my premium would have been around $200 per month for me and $200 for Pat or about $4800 per year.  
 
I have my annual physical scheduled for the fist week of August with the doctor I have had the past several years.  In past her office accepted Life Wise.  Before going onto Medicare I called my doctors office to explain I was planning on enrolling in Humana’s MA only PFFS plan.  The office manager explained they did not officially accept Humana but as I was currently a patient, the office would accept Humana’s terms and conditions and bill them directly so I could continue to keep my current doctor.
 
So far I could not be happier with the choices I have made.  I now go to the downtown YMCA using Silver Sneakers and no longer pay $55 per month to OZ fitness.  The best part is on October 15th I can look at all the options available for 2014 and make a new choice if I find a better option with no pre-existing conditions or waiting periods.  The new choices today really are a win win situation for Medicare beneficiaries like me. 

[Read more…] about Larry affirms his Medicare Health plan selection two months later

Filed Under: Agent Testimonial, Bishop Marketing Agency, Humana, Humana Medicare Plans, ICEP, Medicare Advantage growth, Medicare Annual Enrollment Period, Medicare choices, Medicare Health Plans, Medicare options, Medicare supplement plans, MGA Testimonial, PDP enrollment, selling Medicare Advantage Plans, seniors choose Medicare Advantage, Service

April 3, 2013 by Lance Hoeltke

Medicare Advantage will survive Healthcare ReformOver the last several months I had heard it all. Medicare Advantage is going away. The days of the Balanced Budget Act are back. Time to call in the dogs and put out the fires. But wait, a 3.3% increase to reimbursement rates? What happened to the 8% reduction? Looks like all the anxiety over Medicare Health Plans was for not.

Time and time again we have seen this play out in similar fashion. Government programs are introduced or adjusted, and instead of detracting from the potential of the market, it creates more opportunity than ever before. This phenomenon goes all the way back to the inception of the Medicare trust fund, to the standardization of Medicare supplements, to the MMA, and now Health Reform known as the Patient Protection and Affordable Care Act. Contrary to initial reactions, history shows us that these laws have created enormous opportunities for agents and agencies who are prepared.

Filed Under: Health Reform Bill, marketing Medicare Advantage, Medicare Advantage, Medicare Advantage growth, Medicare choices, Medicare Health Plans, Medicare legislation, Medicare Modernization Act, Medicare options, Patient Protection and Affordable Care Act, Selling

February 19, 2013 by Lance Hoeltke

How will the Affordable Care Act affect Medicare Advantage?

[Read more…] about How might the Affordable Care Act affect Medicare Advantage?

Filed Under: Affordable Care Act, Bishop Marketing Agency, CMS, Health Reform Bill, Humana Medicare Plans, Lance Hoeltke, MAPD and PDP membership, MAPD enrollment, Medicare Advantage, Medicare Advantage growth, Medicare choices, Medicare Health Plans, Medicare legislation, Medicare Modernization Act, Medicare options, PDP, PDP enrollment, Selling, selling Medicare Advantage Plans, seniors choose Medicare Advantage

February 19, 2013 by Lance Hoeltke

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.

[Read more…] about My Wake Up Call

Filed Under: Bishop Marketing Agency, CMS, Get to know Bishop Marketing Agency, Health Reform Bill, Humana MAPD plan, Humana Medicare Agents, Humana’s Medicare health plans, Lance Hoeltke, MAPD and PDP membership, MAPD enrollment, marketing Medicare Advantage, Medicare Beneficiaries, Medicare choices, Medicare Health Plans, Medicare leads, Medicare legislation, Medicare options, medicare supplemental, PDP enrollment, selling Medicare Advantage Plans, selling Medicare products, Service, testimonial

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