01- 11- 2021 Medicare Update & Opportunities

Medicare Agent Training Chris Westfall

Our meeting today covered improvements in our process, things we are experiencing and how to fix them, and opportunity updates for California's birthday rule.

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OE, GI, UW Review – Meeting 12-28-20

In today's office meeting, we reviewed Open Enrollment, Guarantee Issue, and Underwriting scenarios as they pertain to Medicare Supplement timelines. See the video: <[email protected]@> {“@context”: “http://schema.org”,”@type”: “VideoObject”,”name”: “CamtasiaVersion012820″,”description”: “This video contains CamtasiaVersion012820″,”thumbnailUrl”: “https://embed.vidello.com/71/yop2zt3mcky0dpa4/video/splash.jpg”,”uploadDate”: “2020-12-28T18:31:56.000Z”,”duration”: “PT40M33S”} Notes from the Meeting: 1)…

     


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Improving Process – 12/21/20 Office Meeting

Our internal agency office meeting for 12/21/2020, where we cover process improvements, selling in Missouri, California, and New York, specifically, and other items that help! <[email protected]@> {“@context”: “http://schema.org”,”@type”: “VideoObject”,”name”: “122120officemeeting”,”description”: “This video contains 122120officemeeting”,”thumbnailUrl”: “https://embed.vidello.com/71/5iyxcxk2qaihcc33/video/splash.jpg”,”uploadDate”: “2020-12-21T17:55:12.000Z”,”duration”: “PT31M1S”} Covered in this…

     


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Losing Money – Avoid It – Office Meeting 12/14/20

Losing money is not a very good way to run a business. There are situations where you can obtain a new client, write them a policy and get them approved, and yet still get paid zero or next to nothing…

     


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Colorado S.E.P. for Plan F

Update on November 20, 2021:                                                                  <[email protected]@> .llo_1q28bq5b04b35rye{width:400px!important;height:224.99971875035158px!important;}.llos.vs_tl,.llos.vs_tr{top:20px!important;bottom:auto!important}.llos{position:fixed!important;z-index:9999999!important}.llos.vs_tl{left:20px!important;right:auto!important}.llos.vs_tr{right:20px!important;left:auto!important}.llos.vs_bl,.llos.vs_br{bottom:20px!important;top:auto!important}.llos.vs_bl{left:20px!important;right:auto!important}.llos.vs_br{right:20px!important;left:auto!important}.llos.vs_xs{width:200px!important}.llos.vs_s{width:300px!important}.llos.vs_m{width:400px!important}.llos.vs_l{width:500px!important}.llos.vs_xl{width:600px!important} void…

     


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Great New Opportunity

We constantly keep our eye out for unique opportunities that those agents, who still don't see by phone, just cannot take advantage of. This is one such opportunity. See the video!!! <[email protected]@> {“@context”: “http://schema.org”,”@type”: “VideoObject”,”name”: “oregongicigna”,”description”: “This video contains oregongicigna”,”thumbnailUrl”:…

     


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October 19 Medicare Update

October 19, 2020  Office Meeting Notes under the video. Very short meeting. To see more of our office meetings, click here.   See the video: <[email protected]@> {“@context”: “http://schema.org”,”@type”: “VideoObject”,”name”: “101920”,”description”: “This video contains 101920″,”thumbnailUrl”: “https://embed.vidello.com/71/s83zjckwd2i20yns/video/splash.jpg”,”uploadDate”: “2020-10-19T16:19:54.000Z”,”duration”: “PT6M35S”} To see more…

     


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Rescinding Policies? Perspective on using G.I. vs. Underwritten.

If you have a scenario where someone has a Special Election Period, granting them the opportunity for a guaranteed issue Medicare Supplement, but they are healthy and could qualify for a plan that is better for them, what should you do? According…

     


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Everest Reinsurance Company

Update January 2020: Citing losses that require closer supervision to what is being written, Everest has notified all contracted agents that their contracts are being terminated. They will now be marketed exclusively through one agency, as they continue to roll…

     


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CSI Makes GI Change

CSI (also known as CSI LIFE) announced today that on Guarantee Issue cases, they will require agents submitting them to send in paper applications with “wet” signatures. So, no more E-app if you are submitting a GI case to CSI…

     


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Oxford Life Lowers the Boom on G.I. Cases

Effective 8/1/15, Oxford Life will no longer pay full commission on guarantee issue cases. (Open Enrollment will continue to be paid at full commission, as with all carriers.) Oxford had been one of the last remaining companies in the country…

     


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January 30, 2015 Webinar on Medicare Changes

See the video: *Update/Clarification: Send Out Cards now charges 3 points for a 2-panel card for everyone. Download the Slides as a PDF: January 30 2014 Webinar Slides Mentioned in the webinar: Video from Congress on Doc Fix Video of…

     


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Guaranteed Issue Considerations

This post also covers Guaranteed Issue circumstances and the impact that has on your commissions. It is very important to start with this publication.. learn it! Choosing a MediGap policy. (Section 3 on Page 21)   [ If you are…

     


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California Birthday Rule on Medicare Supplements – Guaranteed Issue

In a recent post, we covered guaranteed issue situations in general.
You can see that post on guaranteed issue Medicare supplements here.

Here, I've extracted some good content from one of the carrier's underwriting guides that helps to break down the guaranteed issue rules for California, the guaranteed issue rules for Missouri, and the Guaranteed issue rules for Oregon.

See the graphics below.. the rules on the underwriting dates in advance of the effective date, are specific to Stonebridge Life's Medicare supplement. The Enrollment starts on the birthday and lasts 30 days, not 30 days on each side.  All that means is you have to take the app on the birthday or 30 days after to be GI.  I am sure Stonebridge will accept apps on either side of the birthday, but no other carriers in CA that I know of will.

See this latest update from the California Dept. of Insurance:
http://www.insurance.ca.gov/0200-industry/0120-notices/upload/NoticeMedigapChanges2010.pdf
{From Stonebridge:}

Guaranteed Issue Medicare CA MO OR Underwriting Dates for Medicare Supplements California Birthday Rule Medicare Supplement Guaranteed Issue

State of Washington:

Washington GI Rules

April 24, 2013 Weekly Conference Call

Replay from 04-24-13 Mentioned on the conference call: Plan F vs. Plan G (FreeBlogFactory is no longer around) Guaranteed Issue Considerations http://archive.org/download/April24ConferenceCall/April24ConferenceCall.mp3…

     


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