Anthem Q&A Medicare Supplement Plans

Q: Can MO MS members move to a lower lettered plan on their anniversary date?

A: Both current members and members of other carriers can move to a lower lettered Plan on their anniversary date and they have to answer the tobacco question and will be rated at their current age.

 

Q: Do we pay standard MS commissions, i.e. 18% Years 1-6 and 4% Years 7-10, when a MS beneficiary changes from another carrier’s MS plan to an ABCBS MS plan on his/her anniversary date? 

A: Yes. When a member moves from another carrier’s MS plan to an ABCBS Medicare Supplement  plan on his/her anniversary date, the standard ABCBS MS commission schedule applies.

 

Q: Do we pay standard MS commissions, i.e. 18% Years 1-6 and 4% Years 7-10, with guaranteed issued (GI) MS plans?

A: Yes. Currently we do not have different commission rates for GI issue plans.

 

Q: Is MO an attained aged state or an issue age state for ABCBS MS plans?

A: Anthem MO Med Sup products are issue age for the open marketed plans.

 

Q: If a MS member from another carrier’s MS plan wants to join an ABCBS MS plan, is the ABCBS Medicare Supplement plan issued based on his/her current attained age or based on when the applicant’s Part B began, i.e., a retiree who started his/her Part  B coverage and when a beneficiary postpones Part B coverage? 

A: If the coverage is for Anthem MO, the prospect would be issue age rated; the premium would be determined by their age at time of enrollment.  The Part B coverage effective date would determine if the prospect was GI or be required to complete the health questionnaire.

 

Q: Does ABCBS go by attained age in MO or when the beneficiary’s Part B begins?

A: For Anthem MO, the premium would be determined by the prospect’s age at time of enrollment.  The Part B effective date determines if the prospect would be medically underwritten or not.

 

*Anthem pays standard Medicare Supplement Commissions for Medicare Supplement Plans written for Under 65 clients.