It almost seems unAmerican to not want to rally around this endeavor. Humana’s Veterans Initiative Program, or HVIP features several objectives and a new product for those wanting to offer solutions to Veterans across the country. In 2011, Humana made a decision and commitment to our servicemen and women who are often overlooked and under appreciated. For starters, they pledged to hire 1,000 Veterans and/or spouses of veterans by 2013, and recently committed $1 million to sponsoring participants in the Entrepreneurship Bootcamp for Veterans with Disabilities (EBV). As a result they have been recognized by President Obama for their support of the administration’s new national veteran-employment campaign.
Medicare Health Plans
“I have been working with Larry Bishop for the last eight plus years. I highly recommend him to others as an FMO. Over my years in this business, what I have learned is that most FMOs are only interested in talking with you as they get you assigned under them. After that, you are lucky to hear from them again as they tend not to return calls. Their interest is in recruiting, not retention.
Larry has been very helpful and supportive over the years. He does return calls and takes a genuine interest in my success. Larry has been very good about communicating changes or new rulings of the Humana plans that he represents, making sure I have the tools to do my business. There have been times when he could get me the packets I needed faster than I could obtain them from customer service in the peak of the season. On one occasion I was sent three boxes of the wrong plans for my counties; he paid the postage to have them sent to him so he could distribute them to others in need. I consider Larry to be one of the best in the business.”
In case you’ve missed it, we started a little series on election periods. Did you know there are over 20 SEPs (Special Election Periods) for MAPD and Prescription Drug Plans?
Here’s the scoop on Dual Eligibles:
Here’s the scoop on Dual Eligibles:
Dual Eligibles are defined as those having both Medicare and either partial or full Medicaid benefits. Here are some qualification items you can ask to verify their status: Medicaid Card, Medicaid Award Letter, Medicaid #, or Member Attestation Form.
As long as they are eligible for dual status they have a continuous open enrollment period. For those who have recently lost their status (which can be verified by member attestation or state notice showing loss of status), then the SEP begins the month of lost dual eligibility and runs for two consecutive months following the first month.
I read recently where Dallas, TX is growing so fast it adds one new resident every four minutes! I’m sure a good percentage of those are Medicare eligible, or soon to be. The California’s, Arizona’s, and Florida’s have been aware of this phenomena for many years now, but the relocation and growth of retirement-age citizens is not limited to these markets. Vegas, Boise, Provo, and Colorado Springs are experiencing rapidly growing retiree populations. Albuquerque, NM and Madison, WI also make the top 20.
Many older Americans are heading to markets where their families are located, to be closer to grandchildren, and residing more in suburban communities than ever before. Any permanent move to a new service area generates an SEP for the Medicare beneficiary. If the client is wanting to enroll in a new plan prior to the move, they can complete their enrollment up to one month prior to moving, and designate an effective date up to three months from enrollment. However, the effective date cannot occur until after they have officially relocated to the new service area. If notification occurs before the move, then the SEP runs the month before, plus two months after the move. If notification is made after the move, the member then has two months from notification to make an election. If the member waits until their plan terms them, they then have two months from the plan term to make an election.
Now that the Supreme Court has ruled the Health Reform Bill as constitutional, it appears to be moving full speed ahead into 2013. State, association, and commercial health exchanges, premium tax on Medicare Health Plans, and dramatically increased access for previously uninsurable individuals across the country are all on the horizon. Oh yeah, and the requirement to carry health insurance, unless you are willing to incur a penalty for continuing to go without.