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Companion Life: Missouri Rate Increase

Lock In Current Rates: Applications signed and dated before May 1, 2019, and received by May 8, 2019, will be issued at the current rates prior to this premium increase. In-Force Policies: Beginning May 1, 2019, the rate increase will be applied to in-force policies on the next premium due date. Policyholders will be notified via [...]

Transamerica: Medicare Supplement Insurance Premium Rate Change

Transamerica Premier Life Insurance Company will be implementing Medicare Supplement Insurance premium rate changes in the following states for new sales and in force policies. The in force policies that are impacted were originally underwritten by Transamerica Premier Life Insurance Company. Three scenarios to consider: Applications submitted and placed prior to the new rate upload [...]

More Than Half Of Missourians Who Were Dropped From Medicaid Didn’t Answer Mail

About 60 percent of the approximately 70,000 Missourians purged from the state’s Medicaid program in 2018 lost coverage because they failed to reply to a mailed renewal form, according to state data. The Missouri Department of Social Services started using an automated system to determine residents’ Medicaid eligibility last year. If the system couldn’t find [...]

White House Slams ‘Medicare for All’ as Bad for Americans’ Health and Wallets

The Trump administration slammed "Medicare for All" in its annual economic review Tuesday, claiming that creating a new government-run health care program would be expensive, damage the economy and hurt Americans' health. President Donald Trump and his top health officials have repeatedly blasted Medicare for All, which several Democratic presidential candidates and lawmakers are backing. "M4A will be [...]

UnitedHealthcare: New to Medicare Commission Payments Easier in 2019

New to Medicare Commission Payments Easier in 2019 Like plan change commission is easier and will pay you in full in 2019! UnitedHealthcare will pay the full, initial year commission for new to Medicare members – even if a like plan change is made in the same year! Situation: The agent enrolls an individual who [...]

Aetna MA: Coming Soon: A New, Improved Contracting Process

Great news! We’re replacing our existing Aetna Medicare contracting system (nomoreforms™) with an improved tool that will expedite the contracting process for MA/MAPD products. It’ll be available starting May 13.  The new contracting tool (powered by CallidusCloud®) will streamline and simplify the contracting process, and improve the onboarding/contracting experience for new Medicare producers. We look [...]

MACRA = Medicare Supplement Opportunities

MACRA 2020 Update MACRA-related changes create opportunities for both existing and new carriers to position themselves in the Medicare Supplement market in 2020 and beyond. Are you prepared to take advantage of those opportunities? The passage of MACRA altered the Medicare Supplement market in several ways. With new regulations taking effect in 2020, carriers and [...]

Aetna: Heads up, Potential genetic testing scam – Know what to watch for

Recently, the Centers for Medicare and Medicaid Services (CMS) alerted us of a scam designed to generate Medicare member referrals to genetic testing companies. Please read this communication so you know what to watch out for and can help educate your clients. Agents: Please be wary of any offers of payment in exchange for referrals [...]

UnitedHealthcare: The Sales Evaluation Period Has Been Extended!

The Sales Evaluation Period Has Been Extended! UnitedHealthcare’s Sales Evaluation Period has been extended to include sales of UnitedHealthcare Medicare Advantage (MA) Plans, Prescription Drug Plans (PDP), and Medicare Supplement Insurance plans with effective dates through April 1!  This means you still have time to make one sale of any MA, PDP, or Medicare Supplement [...]

Trump Administration Keeps Up Assault on ‘Medicare for All’

Proposal 'goes in exactly the wrong direction,' White House official says WASHINGTON -- The Trump administration this week continued its spirited attack on Democratic proposals for a "Medicare for All" healthcare system. "I will never understand mandating one-size-fits-all coverage for every American," Joe Grogan, director of the White House Domestic Policy Council, said Monday at [...]

For Your Older Clients – Life Insurance with Guaranteed Acceptance

At Gerber Life, our Guaranteed Life insurance policy makes providing peace of mind to families simple. It enables your clients to obtain up to $25,0001 in coverage to pay their final expenses — and it comes with an added advantage. Acceptance is guaranteed, regardless of health. WHY YOUR CLIENTS SHOULD CONSIDER COVERING FINAL EXPENSES WITH [...]

Anthem: Attention Brokers! Our Network Now Includes BJC HealthCare!

Our Medicare Advantage Network Now Includes BJC HealthCare Network strength and security are important factors when your clients shop for a new Medicare plan— and they deserve nothing but the best. That’s why Anthem Blue Cross and Blue Shield is always adding quality providers. You and your clients will both be pleased to know that, [...]

GTL’s Precision Care Now on the e-App in 7 More States!

Now available in Colorado, Connecticut, Maryland, Missouri, North Dakota, Ohio and Utah! Available on Paper, Portal and e-App! Please update your GTL e-App now to see these states. UPDATE FOR APPLE         UPDATE FOR ANDROID Covering the High Cost of Cancer is Good... Beating Cancer is Better. Guarantee Trust Life Insurance Company [...]

‘Medicare for All’ Bill Unveiled: ‘Complete Transformation’ of Health Care

WASHINGTON — As the debate over "Medicare for all" heats up on the 2020 trail, House progressives are opening a new front in Congress with a detailed single-payer bill that they plan to aggressively push this year. "We intend to make sure that Americans across this country know that we are standing up and fighting [...]

ACA Public Exchanges May Expel Medicare Enrollees Faster

The Affordable Care Act public exchange system is making a change that could help some people avoid tax nightmares but cause some other people to suffer a sudden, unexpected loss of ACA exchange plan health coverage. The public exchange programs will be automatically ending the exchange plan coverage of many exchange plan users who appear [...]

Aetna: New Medicare ID numbers | Welcome calls | Preferred pharmacies | Compliance tips for sales and marketing events

Medicare Producer News Individual MA/MAPD: February 21, 2019 New welcome/onboarding program New CMS Medicare ID numbers are here Saving money with preferred pharmacies Member meetings — Encourage your clients to attend Compliance tips for sales and marketing events New welcome/onboarding calls help members engage with their plan early Did you know? All 2019 Aetna and Aetna [...]

Let’s Reimagine The Sales Funnel

Marketing and sales teams have spent years trying to perfect the art of the traditional sales funnel. In this model, prospects enter at the top of the funnel and move seamlessly through distinct phases – from awareness into consideration and evaluation – until they are finally ready to make a purchase. The marketing team manages the very top of the funnel, [...]

Looking for a Whole Life Policy that Checks all the Boxes for your Clients?

Being a hero is easy with Gerber Life Gerber Life's Whole Life and Simplified Senior Life policies provide permanent life insurance protection that come with guarantees,1 simplicity and an easy buying experience for your clients. Take a look at how we compare to universal life policies and you'll see very quickly that Gerber Life's Whole [...]

Americo Incentive Program

Anthem Bonus Program Extended through 7/1!

Great News for Brokers in Missouri! The More You SELL the More You EARN During our Medicare Supplement Sales Bonus Program!   Now YOU have a new opportunity to earn even more on EVERY Medicare Supplement Plan you SELL! Don’t miss out on this opportunity to earn stacks of cash when you sell Anthem Medicare Supplement [...]

Two Medigap Plans to Be Phased Out

Q: I understand that medigap Plan F is going away in 2020. I’ve had Plan F for years. Does that mean I have to pick a new plan? A: No, you don’t need to switch plans. Medicare supplement (medigap) policies, which help cover Medicare’s co-payments, deductibles and other out-of-pocket costs, currently come in 10 standardized plans: A [...]

CMS Proposes Medicare Advantage and Part D Payment and Policy Updates to Maximize Competition and Coverage

Today, the Centers for Medicare & Medicaid Services (CMS) released proposed changes that will take significant steps in continuing the agency’s efforts to maximize competition among Medicare Advantage and Part D plans. These proposals will increase plan choices and benefits and include important actions to address the opioid crisis. “CMS is committed to modernizing Medicare [...]

Leaving Money on the Table? Complete VBE

Are you leaving money on the table? You could earn up to $50 every time you enroll a client in an Aetna Medicare (MA/MAPD) plan through the Ascend app just by completing a value-based enrollment (VBE). It's easy! Here's how it works: Enroll your client in a plan with Ascend. After you submit the enrollment and before you [...]

Get the Rock Star Treatment by Qualifying for Humana’s Leaders Club!

Concierge service, preferred quoting, and more — with Humana’s Leaders Club Qualify for Humana’s Leaders Club by doing the things you’re already doing Learn More For your Humana clients Educating members about all the benefits of Doctor On Demand® is easier than ever with the all-new employer toolkit Read More is getting a whole [...]

There’s Still Time to Get Your OEP Questions Answered!

Getting Answers Just Got Easier Still have questions about OEP? We’ve got answers! We know OEP can be hard to navigate, so we put together a list of Frequently Asked Questions that makes it simple for you to get the answers you need — anytime. Don’t forget to check out all our OEP tools and [...]

2019 SEP Strategy Guide Now Available

Ignite your Sales with More Pre-Approved Prospecting Tools, including Generics Dozens of customizable outreach tools are available now in the Marketing Resource Center for customization and download to print locally and use throughout this SEP season. Check back frequently, since more of the hundreds of SEP flyers, postcards, letters and ads will be added frequently!  What’s New? [...]

NAIFA Missouri – Day on the Hill & Much More!

Dear NAIFA Missouri Members: We would like to invite you to our annual NAIFA Missouri Day on the Hill on March 6, 2019 in Jefferson City. We will meet at Capitol Plaza Hotel in the morning which will include a presentation from Carrie Couch with the Missouri Department of Insurance.  Lunch will be provided. All [...]

Aetna: An Easier LOA Renewal Payment Validation Process

Good news: Effective February 9, uplines will no longer need to request an agent of record reassignment when a license-only writing agent (LOA) terminates from your company, or does not meet renewal commission requirements.  What’s the new process? Going forward, the original LOA may remain the agent of record on the policy, without impacting the renewal [...]

N.Y. deal helped push Centene past $60B in 2018

Centene Corp. (NYSE: CNC) reported that its total revenue increased 24 percent in 2018, while its managed care membership rose by 15 percent. The Clayton-based managed health care provider said Tuesday in its earnings report that its 2018 total revenue grew to $60.1 billion, up from $48.4 billion in 2017. In addition, its managed care membership grew [...]

CMS Aims to Address Senior Poverty, Social Determinants of Health

CMS is working with partners and technology developers to address the social determinants of health for seniors, including poverty and care access. February 06, 2019 - To drive down healthcare costs for Medicare beneficiaries, CMS is expanding policies to reduce prescription drug prices, increase community partnerships, and foster technological innovations that will address poverty and other social [...]

NAIFA Leadership Alert: NAIFA Bylaws Amended | New Agency Program Announced

IFAPAC Leadership Webinar Rescheduled The IFAPAC Leadership Webinar originally scheduled for Thursday, February 7 has been rescheduled for Wednesday, February 13 @ 2:30 p.m. Register New Agency Presentation Program Unveiled NAIFA has developed a new agency presentation program that NAIFA staff will deliver virtually to agencies in your state or local chapter. To learn more [...]

CVS ExtraCare Health Cards | Personalized member videos | Save $$ w/ preferred pharmacies

Medicare Producer News Individual MA/MAPD: February 06, 2019 Members get ExtraCare Health Card New materials on Studio New personalized video for members Saving $$ with preferred pharmacies How to read a formulary Special rules for some drugs _______________________________________ NEW: Members to receive ExtraCare Health Card Aetna and Aetna Coventry MAPD and PDP members will receive [...]

Essence Update on 1099’s

Essence has has received some questions regarding 1099’s and we wanted to reach out to inform you of their status. We spoke to their Finance Department today and were informed that 1099’s were mailed on 1/30 and can take up to 7-10 business  days to be received in the mail since they are not directly [...]

Medicare Advantage Enrollment Surges For Centene And WellCare

Centene and WellCare Health Plans are the latest to report a surge in seniors signing up for private Medicare coverage administered by health insurers. Centene and WellCare, which reported earnings Tuesday, have been expanding beyond their historic business lines dominated by administering Medicaid benefits for states into Medicare Advantage. Centene also has a large business [...]

Western Catholic Union Withdrawal of Medicare Supplement Business

Western Catholic Union (WCU) has made the decision to increase its strategic focus on our life insurance and annuity product lines.  Due to this increased focus on these product lines, WCU is withdrawing from the Medicare Supplement business.  This change is effective March 1, 2019.  While this change impacts agents currently appointed to sell the [...]

Anthem Medicare Supplement Enrollment Increases 9,000 in 4th Quarter 2018

Anthem, Inc. released 4th quarter 2018 financials on January 30th, adding 9,000 Medicare Supplement lives in the 4th quarter and 19,000 Medicare Supplement lives over the past two quarters. The Anthem enrollment table below features Medicare Supplement policy in-force counts of 846,000 as of 12/31/2018, a 23,000 increase in the past 12 months. The 23,000 [...]

U.S. Lawmaker Yarmuth says Democrats to Begin Medicare for All Hearings

WASHINGTON (Reuters) - Democrats in control of the U.S. House of Representatives will begin holding hearings on expanding Medicare this spring and will aim to pass a bill by the end of next year, a senior Democratic lawmaker said on Tuesday. John Yarmuth, chairman of the House Budget Committee, said in an interview with Reuters [...]

Trademark Usage for Gerber Life Insurance and Baby Logo

As you know, Gerber Life Insurance Company was acquired by Western & Southern Financial Group, effective December 31, 2018. As part of the acquisition, Western & Southern entered into a formal trademark license agreement with Société des Produits Nestlé S.A. and Gerber Products Company for the right to use the name Gerber Life and the [...]

The Stakes are Higher for Women when Claiming Social Security

When it comes to claiming Social Security retirement benefits, no one should take the decision of when or how to claim lightly. And that goes especially for women, who are more likely to suffer financially if they make the wrong choice. Social Security's rules for retirement benefits were first set in the 1930s. And they [...]

Anthem Bonus Program Extended!

Great News for Brokers in Missouri! The More You SELL the More You EARN During our Medicare Supplement Sales Bonus Program!   Now YOU have a new opportunity to earn even more on EVERY Medicare Supplement Plan you SELL! Don’t miss out on this limited time opportunity to earn more when you sell Anthem Medicare […]

Aetna News: Walmart Remains In-Network | Plus, SilverSneakers, CollegeSave, Member ID Cards, Diabetic Supplies and More

Medicare Producer News Individual MA/MAPD: January 16, 2019 Don't worry, Walmart is still an in-network pharmacy for 2019 MAPD and PDP products CVS Health recently announced that Walmart has opted to leave its pharmacy network for Commercial and Medicaid plans. As stated in the press release, this has no impact on Medicare plans. Please let your clients [...]

Data Security, UnitedHealthcare and You

UnitedHealthcare takes data security and privacy very seriously. As the world changes from a cyber and privacy risk perspective, we are focused on protecting customer information, and want to help you keep consumer data safe. As part of that commitment, agents in all segments of UnitedHealthcare are required to participate in data security review and [...]

Here’s What Happens to Social Security and Disability Benefits During a Government Shutdown

The federal government is now in the 20th day of a partial federal shutdown, as President Donald Trump and congressional leaders have still not been able to come to a deal to reopen the government. While parts of the government are still funded, nine of the 15 federal agencies are affected by the shutdown and problems are beginning to pile [...]

Transamerica 2020 Convention

CANCUN, MEXICO | PARADISUS PLAYA MUJERES MARCH 4-8, 2020 It's the moment you've been waiting for: the 2020 Convention location! Experience paradise in the truly breathtaking Cancun, Mexico at the brand-new Paradisus Playa Mujeres resort. Luxurious and all-inclusive, the Paradisus Playa Mujeres sits along the coast of Cancun, with views overlooking the beach and tropical [...]

Aetna DSNP Application Tips

When your clients enroll in an Aetna DSNP, be sure to include an accurate phone number so their Aetna-assigned personal care team can connect with them All 2019 Aetna Medicare Dual-eligible Special Needs Plan (DSNP) members get access to our personal care team led by a nurse case manager. After your client enrolls, a representative from the [...]

Expand Your Online Presence With an Agent Website

We are now offering personalized websites for you and your agency. We combine insurance knowledge with technical expertise to create a website that does exactly what you want it to do.   5 Reasons to Have a Website Credibility When you can point clients to a professional looking website it tells them you are a serious [...]

Cigna Incentive Trip

Your other life awaits in Monaco in 2020. As one of the world's elite salespeople, you'll live steps from the famed Monte Carlo Casino at Cigna Supplemental Benefits (CSB) 2020 Incentive Trip. You'll be surrounded by the blue waters of the Mediterranean. Roam the famed Formula One racecourse, and explore the Musée océanographique. Your other [...]

Consistently Providing the Highest-Quality, Safest Care Mercy Hospital Springfield Earns National “Top Hospital” Award for Patient Safety

SPRINGFIELD, Mo. (Dec. 4, 2018) – On the heels of earning an “A” grade for Hospital Safety, Mercy Hospital Springfield has now also been recognized as a “Top Hospital” by the Leapfrog Group – a designation less than 6 percent of hospitals in the country attain. Mercy Hospital St. Louis has earned the same honor. [...]

Mercy Earns “A” Grades for Patient Safety Mercy Hospital Springfield and Mercy Hospital Lebanon Honored by Leapfrog

SPRINGFIELD, Mo. (Nov. 8, 2018) – It’s grade card time for Mercy, and its local hospitals are getting high marks for protecting patients from harm and meeting the highest safety standards in the United States. Both Mercy Hospital Springfield and Mercy Hospital Lebanon earned “A” grades from The Leapfrog Group’s Fall 2018 Hospital Safety Grade. [...]

VA Sets Grand Opening and Ribbon-Cutting for New Springfield Clinic

A ribbon cutting and grand opening ceremony for Springfield's new Veterans Affairs medical clinic has been set for 11 a.m. Jan. 24. The Gene Taylor Community Based Outpatient Clinic is located at 1850 W. Republic Road.  Learn More.

About Assured Life

Vision: To honor our promises to pay. Mission: To use the power of ingenuity and the spirit of community to create financial security and value for our members. Assured Life Association was founded under a single plan to bring together a community of caring individuals looking for the assurance of life insurance coverage as well as the opportunity to help others. The Society is a [...]

Companion Life Lands on National List for 7th Straight Year

Columbia, S.C. – For the seventh consecutive year, Companion Life, a leading provider of life, dental, disability, accident and specialty insurance, was named to the Ward's 50® list of top-performing life-health insurance companies. Cincinnati-based Ward Group, a provider of benchmarking and best-practices services to the insurance industry, is an independent external organization that annually analyzes the [...]

Companion Life Receives A.M. Best A+ Rating for 16th Consecutive Year

Columbia, S.C. — A.M. Best Company has assigned Companion Life Insurance Co., (including its subsidiaries Niagara Life and Health and Companion Life Insurance Co. of California) an A+ (Superior) rating, marking the 16th consecutive year Companion Life has met this high threshold of achievement.  A.M. Best noted that the rating reflects a stable premium, earnings [...]

Prosperity Life Insurance Group Announces Sale

New York, NY – March 14, 2018 -Prosperity to maintain its current management, strategy, distribution and employee base, while obtaining access to significant additional capital and resources to accelerate organic and inorganic growth  Prosperity Life Insurance Group, LLC (“Prosperity” or the “Company”), today announced that its current majority shareholders, including funds managed by Reservoir Capital Group, [...]

Prosperity Life Insurance Group Assigned A- (Excellent) Financial Strength Rating from A.M. Best

New York, NY - May 11, 2016 – We are pleased to announce that A.M. Best has initiated its coverage of Prosperity Life Insurance Group, LLC (“Prosperity” or “Company”) by assigning a financial strength rating of A- (Excellent) and an issuer credit rating of “a-” to members of the Prosperity Life Insurance Group SBLI USA Life [...]

Why Lumico?: Financial Security

We're financially secure Lumico Life Insurance has been in business for over 50 years and is part of Swiss Re, a large, global financial services organization. Lumico is rated “A” by A.M. Best. “A” is excellent and is the second highest of fifteen ratings that can be awarded. It means that Lumico Life is financially [...]

Why Lumico?: Focus

We're Focused We are focused on offering a simple, straightforward application process and affordable pricing to fit a range of budgets and coverage needs. The result - more families have the peace of mind that comes with having the life and health insurance they want.

Why Lumico?: Commitment

We're committed Our team is passionate about helping more Americans secure the life and health insurance that they need. We seek to exceed your expectations in our products, processes and pricing. 75% of Lumico consumers* say that their experience buying life insurance from Lumico was better than they expected.    

Insurer Group Urges CMS Administrator Seema Verma to Reconsider Pass-Through Funding for Non-ACA Plans

America's Health Insurance Plans wants CMS to reissue the guidance on funding waivers through formal rulemaking. America's Health Insurance Plans is urging Centers for Medicare and Medicaid Services Administrator Seema Verma to prevent subsidies from being used to purchase plans that are not compliant with the Affordable Care Act. In a December 20 letter to Verma, AHIP said CMS's October [...]

Express Scripts is Now Part of Cigna

Accelerating a new model of health care We are excited to announce that Express Scripts is now part of Cigna. Together, we are accelerating a new, more sustainable model of health care as a global total health and well-being company. With combined medical, clinical, pharmacy, behavioral and wellness insights, we will deliver more connected, personalized [...]

Texas Judge Throws Out Most of ACA

A lower court judge in Texas has issued a ruling that could lead to all of the Patient Protection and Affordable Care Act of 2010 (PPACA) — the main part of the Affordable Care Act (ACA) statutory package —being tossed out. U.S. District Judge Reed O’Connor said today that the PPACA provision requiring many individuals [...]

Humana Cuts 2019 Forecast for Medicare Prescription Drug Plans

Health insurer Humana Inc (HUM.N) said on Wednesday that enrollment for its 2019 Medicare prescription drug plans dropped as customers opted for lower priced options from rivals. However, the company said it expected to add between 350,000 and 400,000 members to its Medicare Advantage health plans in 2019. It had previously expected additions of between [...]


The top performing hospital in 2019 will receive a 3.6% net increase, and the lowest performing hospital will incur a net decrease of 1.59%. KEY TAKEAWAYS More than 1,550 hospitals (over 55%) will share higher Medicare payments totaling about $1.9 billion in fiscal year 2019. The average net increase in payment adjustments is 0.61%, and [...]

CHLIC Med Supp rate adjustments coming soon

Premium change for CHLIC Medicare Supplement Rate adjustment notice for Missouri At Cigna, we are committed to helping customers enjoy a healthy and happy life. That's why we periodically review our premiums and make adjustments to ensure we are able to provide the products and services they need.  During our review, we consider trends in healthcare [...]

Aetna & CVS Merge Complete

A New Day in Health Care We are excited to share that CVS Health, the nation’s premier health innovation company, has completed its acquisition of Aetna. The combination of CVS Health and Aetna is a transformative moment for our company and our industry. With the combined capabilities of two leading organizations, our goal is to [...]

New Underwriting Policy for AARP Medicare Supplement Insurance Plan G

Starting October 1, 2018, members currently enrolled in an AARP® Medicare Supplement Insurance Plan, including Medicare Select Plans, insured by UnitedHealthcare® Insurance Company, residing in all states and territories EXCEPT CA, CT, FL, GU, MA, ME, MN, MP, NY, OR, VI, VT, WA, and WI who wish to change to Plan G will now need [...]

Sales Oversight Corner: Conducting a Compliant Marketing Event

Checkpoints for Conducting Compliant Marketing Events: All formal, informal & educational Marketing events must be reported in the respective systems. Ensure Marketing events are conducted only in the presentation language listed on the sales event. Ensure only the product/plan types intended to be discussed are covered during the Marketing event presentation. Ensure all marketing materials used and displayed at your [...]

Part D Late Enrollment Penalty

he late enrollment penalty is an amount added to your Medicare Part D monthly premium. You may owe a late enrollment penalty if, for any continuous period of 63 days or more after your Initial Enrollment Period is over, you go without one of these: A Medicare Prescription Drug Plan (Part D) A Medicare Advantage Plan (Part C) [...]

Old Surety Life Bullseye Bonus

MO, KS Agents: Submit 3 for Chance to Win a $50 gift card

Chance to win $50 gift card to a local grocery store for your holiday dinner Kansas & Western MO agents: The holidays are almost here— which means holiday feasts and treats too! Here's your chance to win a $50 gift card to your local grocery store. Just submit 3 new 2019 Aetna or Aetna Coventry MAPD [...]

Cigna Point of Sale Approval Now Available

Utilize POS Approval during AEP Cigna values the time you invest in promoting our products to your customers during this busy AEP season.  Conducting a Phone Verification will significantly speed up the application process since no "wet" signature is needed.   Earlier this year we implemented Point of Sale approval as part of the PV process.  [...]

Upcoming December DSNP Roll-Out Events

New Year’s Resolution. What will yours be? Did you know about 80% of individuals eligible for a Dual Special Needs Plan are not yet on a plan? Join us at our upcoming 2019 DSNP Kick-Off event to learn how you can take advantage of this untapped market. If you would like to volunteer to bring [...]

2019 MAPD & PDP Recertification Closes November 30th

Dear Agent, As a friendly reminder, Humana’s 2019 MAPD & PDP Recertification closes Friday, November 30, 2018. AHIP Remains a Requirement for Certification and Recertification AHIP is required for both Certification and Recertification. Agents typically take their AHIP through Humana after they have logged into training from our Humana site. If an agent goes directly [...]

New Med Sup Marketing Boost From Americo

Are Your Clients Getting the Best Rates Possible? Use this new marketing boost to reach out to your clients to see if they are getting the best Medicare Supplement rates possible.  Harness the power of digital marketing FREE from Americo! Simply click the button below and you can send out a powerful and thoughtful marketing [...]

Add 2019 Star Ratings to your Enrollment Kits

Action required: Add 2019 star ratings to 2019 enrollment kits CMS requires producers to review the 2019 star ratings document with beneficiaries when presenting 2019 Individual Medicare plans (MA/MAPD, PDP). By October 31, you must update all 2019 enrollment kits to include the new 2019 star ratings document. To update 2019 enrollment kits with the new 2019 [...]

Private Medicare Insurers Struggle with Prescription Drug Plans

Private Medicare insurers are failing to deliver Part D prescription drug plans with the highest star ratings.  The number of Medicare Part D prescription drug plan members who will be in plans with four stars or more in 2019 dropped sharply to 3.5% of all members compared to 47% last year, CMS data released on [...]

CVS-Aetna merger faces resistance in New York

New York state officials are considering blocking parts of the $68 billion merger of drugstore store chain CVS Health Corp. and Aetna Inc., jeopardizing billions of dollars in insurance premiums for Aetna. CVS and Aetna won approval from the U.S. Justice Department on Oct. 10, contingent on Aetna divesting its Medicare Part D business, which covers prescription drugs for [...]

4 States to Expand Medicaid

For years, elected leaders in conservative states have resisted expanding Medicaid, the government health program for low-income Americans. Now voters in four of those states will decide the question directly. Ballot initiatives in Idaho, Utah, Nebraska, and Montana will test whether there’s a disconnect between politicians and voters over a program that insures 1 in 5 [...]

PROPOSED 2019 Rate Information for AARP Medicare Supplement Insurance Plans

2019 rate information in the following states has not yet been approved for AARP® Medicare Supplement Insurance Plans, insured by UnitedHealthcare® Insurance Company. For your convenience, please find the proposed rate change percentages and plan effective dates below, which are subject to change. Please remember to continue to check your email, Jarvis, and JarvisWrap for [...]

Special Shout-Out to Our In-House Agents

Special shout-out to our in-house agents, Terri Weaver and Tiffany Williams, who have worked incredibly hard to be in the top 2% of our agents. With their knowledge and experience managing their books of business, they continue to be a reliable resource while helping you manage and grow your business.

Keeping Track of all Your Commissions is now Easier Than Ever!

By now, we hope you've taken the opportunity to check out our newly designed Producer Toolbox, where you  can log into one website, one time, and all the tools you need to manage all your business are there. One easy-to-use, digital dashboard gives you access to everything you want to do and see, including all [...]

Everest Announcements: Rate Action in MO

Adjustments on Plans A, C, D, F, G and N RATE ACTION in Missouri:  Rate adjustments, as noted in the chart below, have been approved for December 1st, 2018, implementation in the State of Missouri.  The rate increases are necessary to account for adverse experience, medical provider reimbursement rate increases, utilization changes, medical cost shifting, [...]

Essence 2019 Rating is Here!

UnitedHealthcare 2019 Star Ratings Results

On Oct. 10, the Centers for Medicare & Medicaid Services (CMS) released our 2019 Star Ratings plan year performance (2020 payment year) for Medicare Advantage plans that includes Individual, Part D, Group Retiree and Dual Special Needs Plans. UnitedHealthcare is committed to delivering clinical quality, access to care and a distinctive experience for the members [...]

Anthem Adds Home Care Benefits Under Relaxed Medicare Advantage Rule

Home care providers have been wondering how insurers will capitalize on the allowance of non-skilled in-home care services under the Medicare Advantage (MA) program since policymakers initially opened that door in early spring. They’re now starting to get some clarity, thanks to Anthem, Inc. (NYSE: ANTM), one of the top players in the MA market. Indianapolis-based Anthem [...]

Check out Everest Reinsurance’s Q4 Agent Bonus Program

2018 Agent Bonus Program Rules Payout Details To receive the per application payout, you must submit a minimum of 3 qualifying “signed” applications within the same month (Everest uses the “Received Date” to determine month submitted). Each month, October through December, is counted separately; and you may participate in any or all those months. Bonus [...]

Medicare for All

The Capitol Hill health care fight sure seemed dead. After Republican proposals to overhaul the Affordable Care Act, also known as Obamacare, failed to pass a Republican-controlled Congress, lawmakers looked poised to move on to other topics, like a tax overhaul. But this week, proposals from both the left and the right are grabbing headlines. (Meanwhile, some members are [...]

Medicare Posts 2019 Rates, Pinches High Earners

Medicare managers announced today that they will hold increases in Medicare Part B premiums to about 1.1% for most enrollees  in 2019. For some high-income enrollees, however, premiums will rise 7.4%. Medicare Part B is the component of the traditional Medicare program that covers physician services and hospital outpatient care. Here’s a look at how [...]

2019 Medicare Parts A & B Premiums and Deductibles

2019 Medicare Parts A & B Premiums and Deductibles On October 12, 2018, the Centers for Medicare & Medicaid Services (CMS) released the 2019 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Download and Print our 2019 Part A and B Premiums and Deductibles Job Aid Medicare Part B [...]

How Artificial Intelligence (AI) is Impacting Healthcare

Artificial Intelligence (AI), often referred to as Machine Intelligence, is becoming a driving force in the healthcare industry. Today, modern dictionary definitions focus on AI being a sub-field of computer science and how machines can imitate human intelligence (being human-like rather than becoming human). More specifically, this modern technology can perform functions ranging from visual perception [...]

Register for CMS-approved Federal Marketplace Training and Grow Your Business with AHIP Courses.

For the Federally-facilitated Marketplace (FFM) training you need, AHIP is CMS’ exclusively approved vendor Make sure you’re prepared to meet your clients’ needs. Start your FFM training today. The benefits of AHIP’s CMS-approved FFM courses go beyond meeting your CMS requirements. They also include: The opportunity to earn Continuing Education (CE) credits.* Online courses created [...]

U.S. Department of Justice will allow CVS Health acquisition of Aetna to proceed

On October 10 we learned that the Department of Justice (DOJ) will allow CVS Health’s acquisition of Aetna to proceed. Under the DOJ consent decree, closing of the CVS Health-Aetna transaction may proceed prior to the effective date of Aetna’s previously announced divestiture of its entire standalone Medicare Part D business to a subsidiary of WellCare [...]

2019 Social Security COLA Increase will be Largest Since 2011

Social Security’s beneficiaries can expect a bump in benefits in 2019, courtesy of a Cost of Living Adjustment, which will be formally announced October 11. Read More. Original Article by Nick Thornton on benefitsPRO

Aetna Medicare Producer News

Individual MA/MAPD, PDP:  October 02, 2018 Start marketing 2019 plans as of October 1 Download 2019 MA/MAPD sales presentations How to submit 2019 enrollments: NEW addresses & fax numbers Fresh look for Provider look up: Are your clients' doctors in-network? Order/download 2019 AEP marketing materials on Studio   Ready, set, go — 2019 AEP marketing [...]

IMPORTANT SilverScript Information

Earlier today, CVS Health and Aetna announced that Aetna has entered into an agreement to sell its standalone Medicare Part D Prescription business to WellCare Health Plans, Inc., with the sale of those assets to be effective as of December 31, 2018. This is an important step toward Department of Justice (DOJ) approval of the [...]

Personal Producing Agents: 2019 Commission Rates for Medicare Advantage Plans

The Annual Enrollment Period (AEP) is right around the corner! Like you, we’ve been anticipating this busy and exciting time of year as we prepare for yet another Medicare AEP.  We hope you have already certified and are ready to sell with Anthem Blue Cross and Blue Shield (Anthem) this season! We're pleased to provide the 2019 Personal [...]

Agreement to Sell all Aetna Standalone Medicare Part D Business

On September 26, 2018, Aetna signed an agreement to divest all of Aetna’s standalone Medicare Part D business to a subsidiary of WellCare Health Plans, Inc. (WellCare).  You can read the announcement here.  There are several important elements of this announcement to highlight: The sale includes both Individual and Group standalone Part D members. This [...]

America’s New Workforce Trend: Refusing to Retire

The White House is focusing on tapping the senior labor force, through an initiative called National Employ Older Workers Week, at a time when elderly workers are increasingly reluctant to retire. The number of Americans above traditional retirement age (65) remaining in the labor force, either part-time or full-time, climbed to nearly 19 percent in [...]

How Amazon Pharmacy Could Save the Health Care Industry $100 Billion Yearly

If Amazon’s move to disrupt health care is going to make Americans any healthier, the improvement is most likely to take place in the business of getting prescription drugs to patients more reliably. For one thing, there’s plenty of room for improvement. Failure to take prescription drugs kills about 125,000 Americans a year, according to a recent review in the [...]

Why the Latest Warnings About Cuts to Social Security and Medicare are a Reason to Worry

You’ve spent a lifetime paying into Social Security, but there’s no guarantee that you’ll get out of it what you’ve put in. In fact, the way things are looking today, the odds aren’t looking too good. The federal government earlier this year admitted that for the first time since 1982, it needs to dip into [...]

How Medicare Wastes $4.6 Billion A Year On Long-Term Care Hospitals

Mom falls and breaks her hip. Her injury is repaired at the local acute care hospital but she needs intensive rehab and post-surgical care. She could be sent home or to a skilled nursing facility (SNF) but instead she is discharged to a long-term care hospital (LTCH)—a facility that specializes in intensive post-acute services. But a new study, [...]

New Underwriting Policy for Plan Changers to AARP Medicare Supplement Insurance Plan G

Starting October 1, 2018, members currently enrolled in an AARP® Medicare Supplement Insurance Plan, including Medicare Select Plans, insured by UnitedHealthcare® Insurance Company, residing in all states and territories EXCEPT CA, CT, FL, GU, MA, ME, MN, MP, NY, OR, VI, VT, WA, and WI who wish to change to Plan G will now need [...]

NEW 2019 EPO plan options in Columbia and Jefferson City, MO

In order to better support the unique needs of your clients as they offer affordable, quality health plans to their employees, Anthem Blue Cross and Blue Shield in Missouri (Anthem) launched an innovative exclusive provider organization (EPO), named Anthem Alliance EPO in January 2018. Since the initial launch of the product, this EPO arrangement has […]

Big News! Lifetime Renewals for AARP Medicare Supplement Plans are HERE!

It's a bird! No, it's a plane! Wait, is that a pig!? Nope, pigs aren't flying, but Lifetime Renewals are here for AARP® Medicare Supplement Insurance Plans, insured by UnitedHealthcare® Insurance Company, applications. Yes, that's right — renewals will be happening past year 6!* Now the only question is why wouldn't you want to sell more AARP [...]

Everest Rate Action in AL, AZ, CO, IA, MI, TX and VA

GREAT NEWS! Rates Hold Steady on Plans G & N Adjustments on Plans A, C, D and F Everest’s "We Love Summer CASH!" Agent Bonus program has yet another month remaining for our Brokerage and Agency distribution channels.  An announcement will be made soon about a Q4 Agent Bonus program.  The current program is meant [...]

New Trump administration rule will require hospitals post prices online

Hospitals will be required to post online a list of their standard charges under a rule finalized Thursday by the Trump administration. While hospitals are already required to make this information public on request, the Centers for Medicare and Medicaid Services (CMS) said the new rule would require the info be posted online to "encourage price [...]

Is Medicare Changing Under Trump?

  In the discussion of healthcare and the Affordable Care Act (ACA), it’s important to understand that no one really knows what is going to happen. All we can do at this point is speculate based on what key players within the industry and the political arena have said. Of course, when politicians introduce a plan, [...]

Trump Administration Reverses Obama-Era Coverage Duration Limit

  HHS final rule on short-term, limited-duration insurance brings more flexibility and choices to consumers Today the U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services (CMS) announced a final ruling regarding short term medical coverage duration periods. Coverage can now cover an initial period of up to 364 days, and, taking [...]

Anthem Announces Tie-Up with Walmart

Health insurance plan provider Anthem is collaborating with retail giant Walmart to provide consumers with easier access to over-the-counter (OTC) medicines and other health-related services. The collaboration will cater to those enrolled in Anthem’s affiliated Medicare Advantage (MA) plans, enabling them to use OTC plan allowances to buy OTC medications, health supplies (like first aid […]

Stay Informed: Compliant Use of Cloud Services

UnitedHealthcare is focused on protecting customer and member information. As technology changes, we provide information about how best to use that technology to avoid data risks – in this case Cloud Service Providers (CSP). Beginning August 17, 2018, agents may use cloud services to store documents containing Protected Health Information (PHI), using the guidelines below. […]

See what’s new for UnitedHealthCare in 2019

Changes that will take effect Jan. 1, 2019. New Medicare Advantage Open Enrollment Period (OEP) MA plan members may use the new OEP to make changes to their coverage from Jan.1 – Mar. 31. New to Medicare MA plan members can also use the new OEP in the first 3 months they have Parts A […]

Attention Brokers! Our Network Includes CoxHealth, Freeman Health System and Mercy

Network strength and security are important factors when your clients shop for a new Medicare plan – and they deserve nothing but the best. That’s why Anthem includes quality providers like CoxHealth, Freeman Health System and Mercy in our network. You and your clients will both be pleased with the extensive list of providers throughout […]

Trump Admin Urges States to Cooperate on Expansion of Non-ObamaCare plans

Health and Human Services Secretary Alex Azar on Thursday urged states to cooperate with the Trump administration’s expansion of “short-term” health plans outside of ObamaCare. Several state regulators have moved to restrict the sales of these plans in their states, arguing that, despite being less expensive than ObamaCare plans, they’re bad for consumers and aren’t an […]

Passing the Torch in Our Family Business

In 1993, Gary Osborn founded our family business in a humble space of the basement around the back of an office building with no windows and a gravel parking lot on S. Campbell in Springfield, Missouri. In our 25 years of business we have seen a lot of changes in our company and the insurance […]

“Medicare for All” would increase spending by $32.6 trillion

According to a new analysis, Medicare for All would deliver significant savings on administration and drug costs, but increased demand for care would drive up spending. Washington (AP) — Sen. Bernie Sanders’ “Medicare for all” plan would increase government health care spending by $32.6 trillion over 10 years, according to a study by a university-based libertarian policy […]

House passes bills expanding health savings accounts

The House of Representatives on Wednesday passed two healthcare bills that would expand the use of health savings accounts, a move that, if advanced, could significantly drive higher employee enrollment in high-deductible health plans that feature HSAs. The Restoring Access to Medication and Modernizing Health Savings Accounts Act, or HR 6199, takes several steps to […]

MORx Bill Fails To Pass Out Of House Committee

Friday, May 25th, 2018 SB 563, a bill that would have removed the requirement of dual eligibility for recipients of MORx Prescription Drug Assistance payments was passed by the Missouri Senate, but failed to be brought to the floor of the Missouri House for final approval by the House Rules-Oversight Committee.  The failure of the […]

2019 Medicare Marketing Guidelines Released

CMS has released the Medicare Marketing Guidelines for 2019.   Please click and view the link below: 2019 Medicare Marketing Guidelines Here

Americo: LA, MS, NV, TN Medicare Supplement Rate Changes Effective 8/1/2018

After a review of our Medicare Supplement portfolio, we will be making the following rate changes to Americo Medicare Supplement Plans A, F, G, and N, effective August 1, 2018. These changes apply to all applications signed on or after August 1, 2018. At Americo, it's all about you! Our UFirst Rewards agent incentive program [...]

Notes on Restructuring of the NAIFA Federation

July 15, 2018 Dear NAIFA Missouri Members: Since the passage of the By-laws amendment at the NAIFA National Conference in Washington, DC in May of this year there have been many questions and concerns about the actual implementation and effect on the locals and their members.  We will attempt to answer some of the questions, but […]

Anthem Bonus Program Extended!

Great News for Brokers in Missouri! The More You SELL the More You EARN During our Medicare Supplement Sales Bonus Program!   Now YOU have a new opportunity to earn even more on EVERY Medicare Supplement Plan you SELL! Don’t miss out on this limited time opportunity to earn more when you sell Anthem Medicare […]

CMS Proposes Historic Changes to Modernize Medicare and Restore the Doctor-Patient Relationship

Proposed changes to the Medicare Physician Fee Schedule and Quality Payment Program would streamline clinician billing and expand access to high-quality care On July 12, CMS proposed historic changes that would increase the amount of time that doctors and other clinicians can spend with their patients by reducing the burden of paperwork that clinicians face […]

Report Examines How Medigap Rules and Enrollment Vary Widely by State

This week, the Kaiser Family Foundation (KFF) released an issue brief analyzing the availability of, and enrollment in Medigaps across different states. One in four people in traditional Medicare had this private, supplemental health insurance in 2015. Medigaps help cover Medicare deductibles and cost-sharing, reduce the out-of-pocket burden associated with accessing care, and protect against […]

Trump administration takes another swipe at ‘ObamaCare’

WASHINGTON –  The Trump administration said Saturday it’s freezing payments under an “ObamaCare” program that protects insurers with sicker patients from financial losses, a move expected to add to premium increases next year. At stake are billions in payments to insurers with sicker customers. In a weekend announcement, the Centers for Medicare and Medicaid Services […]

2019 Allwell AHIP Certification Now Available!

2019 Allwell AHIP Certification Training is available as of June 18, 2018.     Completing your 2019 AHIP training through our Training Site will provide you with a couple of unique opportunities:   RECEIVE AN IMMEDIATE DISCOUNT OF $50 ON YOUR 2019 AHIP FEES   QUALIFY FOR A FULL REIMBURSEMENT OF YOUR 2019 AHIP FEES after meeting a few […]

Save Money on AHIP with Essence

New for 2019!   Essence directly collaborated with AHIP as their required educational provider for Essence certification. They have also secured special discounted rates available just for Essence partners. If you access the below link to take your AHIP training, you will qualify for a discounted rate of $125, $50 off the standard price of […]

United Healthcare AHIP and Certification

2019 AHIP and Certification Training is available as of June 25, 2018     Certify early! The sales materials portal will open mid-August for Enrollment Guide orders! By certifying early, you can ensure you’ll have materials ready to go by October 1. The longer you wait to certify, the less likely you are to receive materials by October […]

Anthem AHIP and Certification

2019 AHIP Certification Training is available as of June 27, 2018     It’s finally here……the start of the 2019 AEP! There are SIGNIFICANT CHANGES THIS YEAR TO THE AHIP.  Please make sure to read this email in its entirety as it will help you get prepared for 2019. Here’s what you need to know:   Certification begins […]

Everest’s Agent CASH Bonus Program – Extended!

Qualifying Period July 1, 2018 – September 30, 2018 Qualifying Applications Underwritten & Issued Medicare Supplement – Applicants Age 65+ All Available Plans All States Earn additional cash on Everest Medicare Supplement products! $125 for each underwritten and issued E-APP (electronic) application $75 for each underwritten and issued PAPER application* *One (1) E-APP required – […]

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 […]

Anthem: 2018 Bonus Program

Now YOU have a new opportunity to earn even more on EVERY Medicare Supplement Plan you SELL! New, short-term incentives have just been announced for brokers who sell our Medicare Supplement plans! Don’t miss our on this limited time opportunity to earn more when you sell Anthem Medicare Supplement plans with 7/1, 8/1 or 9/1/2018 […]

Everest: 2018 Cash Bonus Program

Qualification Period April 1, 2018 – June 30, 2018 Qualifying Applications Underwritten & Issued Medicare Supplement – Applicants Age 65+ All Available Plans All States Earn additional cash on Everest Medicare Supplement products! $125 for each underwritten and issued E-APP (electronic) application $75 for each underwritten and issued PAPER application* There are no maximum limits to […]

Old Surety: Missouri Rates

Due to changes in Medicare and increasing claims cost, Old Surety Life Insurance Company, will be implementing new rates for Mssouri issued with an effective date of May 1, 2018 and beyond. View the rates for Medicare Supplement Plan F here The new outlines of coverage are being prepared both printed and for downloading from […]

Everest: Medicare Supplement Cash Bonus Program

Qualifying Applications Underwritten & Issued Medicare Supplement – Applicants Age 65+ All Available Plans All States Earn additional cash on Everest Medicare Supplement products! $125 for each underwritten and issued E-APP (electronic) application $75 for each underwritten and issued PAPER application* *One (1) E-APP required – see Qualification Requirements There are no maximum limits to […]

EMC: Incentives trip week 1

From March 12 – June 30, 2018, you can earn travel-related prizes such as a gas card, a luggage set, or an airline voucher through the airline of your choice. The cash equivalent of each of these prizes is also available.  

Trump says proposals targeting high drug prices coming soon

BY JESSIE HELLMANN The administration will unveil a slate of proposals soon to address high prescription drug costs in the U.S., President Trump announced Monday.  “You’ll be seeing drug prices falling very substantially in the not-so-distant future, and it’s going to be beautiful,” President Trump said during a press conference on opioids in New Hampshire.  “If you compare […]

Single Payer – How Does It Really Look?

By Susan Rupe If there are two words that strike fear into the hearts of those who sell health insurance, it’s the words: single payer. A single-payer health care system is a way of life in a number of countries around the world. But not all of these systems are the same, and it’s unlikely any […]

Taxes are taking a growing percentage of SS benefits from seniors

Now that the Tax Cuts and Jobs Act is signed into law many Americans will realize some kind of tax cuts.  For seniors, depending on their retirement income, some will receive tax cuts while others will see no change, and some may even be worse off.  “Recently enacted changes in the tax law will increase […]

What is your agency worth?

Actuarial Appraisal Did you know that along with providing our tools and traditional consulting services, CSG Actuarial also provides Commission and Agency Appraisals?  This can range from a single book of business commission appraisal to a full Agency appraisal.  Whether you are buying, selling, or merging we can help you determine the appropriate value. The process […]

Need help finding tools and resources to help you sell Medicare?

KS, OK, AR, MO-West agents: We’re here to help! Attend a webinar in March to get the tools and resources you need to help you sell our 2018 Individual Medicare Advantage plans. During the trainings, you’ll learn how to access and navigate: • Producer World • Medicare Marketing Studio • Provider lookup and prescription lookup […]


Transamerica invites you to experience paradise when you qualify for the 2019 Convention. Let your worries drift away with the help of sun, fun, and adventure at the all-inclusive Grand Fiesta Americana Los Cabos Resort in beautiful Los Cabos, Mexico. Two magical worlds come together at the tip of the Baja Peninsula. Combining the beautiful […]

Combined: Missouri Rate Updates

  Premium rates for Medicare Supplement Policies will be changing April 1, 2018: A F N 0% 12% 0% This Chart shows the overall rate change percentages by plan.   Lock in Current Rates: Applications signed and dated before April 1, 2018 and received by April 9, 2018 will be issued  at the current rates prior […]

Medicare ‘Doughnut Hole’ Will Close in 2019

By Dena Bunis   |   AARP Medicare beneficiaries with high annual prescription drug costs will get some relief a year earlier than expected as a result of the budget deal President Trump signed early Friday. Part D beneficiaries who have high prescription drug expenses currently have to pay more once the total cost of their medicines […]

Meet Trump’s Proposed Market-Based Health Care Grants

By Allison Bell Alex Azar II, the new head of the U.S. Department of Health and Human Services (HHS), says federal commercial health insurance subsidies could look a lot different in 2020 than in 2019. In the new Trump administration budget proposal, HHS spending on the major Affordable Care Act insurance subsidy programs could be about the same […]

New Market Edge Quote History Tool

CSG Actuarial MarketEdge™ is the ultimate sales and marketing research tool, leveraging over 8 million quotes ran on the MarketAdvisor™ quoting platform.  Gain an unprecedented competitive edge in the Medicare Supplement and Medicare Advantage markets by using real-time quote data. Go to our Quote Engine page now! What can MarketEdge™ do for you? Track up-to-the-minute quote activity and trends, including […]

Electronic ID cards go anywhere with members

In November 2017, we told you about a new electronic-only ID card option for Small Group and Individual ACA members. In case you get questions about this, here’s a recap of the advantages of this option and how it works. Learn more here! Anthem Producer News        

CoxHealth Signs Agreement with Ambetter from Home State Health

CoxHealth is pleased to announce that a contract has been signed with Ambetter from Home State Health that will provide more options for people in the Ozarks seeking insurance through the Healthcare Marketplace Exchange.  The agreement gives individuals utilizing the Healthcare Marketplace Exchange in Greene, Christian, Barry and Lawrence counties an option for health insurance coverage for […]

Congressional Action to Fund the Government Includes Important Medicare Provisions

Congress has just passed the Bipartisan Budget Act of 2018, a bill that will continue to fund the government through March 23, 2018. It does not stop there, however: It also includes key Medicare provisions that will help seniors by providing better and more coordinated healthcare services. The  bill will arrive on President Trump’s desk […]

A Medicare Benefits Update Could Cut Medigap Sales: GAO

By Allison Bell Analysts at the U.S. Government Accountability Office say modernizing the traditional Medicare fee-for-service program benefits design could help cut many enrollees’ costs, discourage unnecessary use of care, and reduce demand for Medicare supplement (Medigap) insurance. About 81% of Medicare fee-for-service enrollees now use some kind of public or private arrangement to cap their maximum out-of-pocket spending, […]

Transamerica: Wealth + Health

Did you know that 81% of Americans want their financial advisor to take into consideration their health when building their financial strategy?* Transamerica’s wealth + health position allows you to take a holistic look at your clients’ wellbeing, addressing both personal and financial health. To kick-start these discussions, we are introducing our Changing the Conversation […]

Medicare Supplement Insurance Premium Rate Changes

Transamerica Premier Life Insurance Company will be implementing Medicare Supplement insurance premium rate changes for new sales and inforce policies. The policies that are impacted were originally underwritten by Transamerica Premier Life Insurance Company. The following are the states that will be impacted. State Plan Adjusted Percentage Upload Date New Rate Effective Date Alaska A, […]

Amazon, Berkshire Hathaway and JPMorgan Team Up to Try to Disrupt Health Care

By NICK WINGFIELD, KATIE THOMAS and REED ABELSON Three corporate behemoths — Amazon, Berkshire Hathaway and JPMorgan Chase — announced on Tuesday that they would form an independent health care company for their employees in the United States. The alliance was a sign of just how frustrated American businesses are with the state of the nation’s health care system […]

Costs rising for Obamacare’s Medicaid enrollees: Analysis

by Kimberly Leonard The cost of healthcare for people enrolled in Medicaid under the Obamacare expansion has been rising steadily over time, according to an analysis by consulting firm Avalere Health. The findings show that average monthly costs for people who enrolled under Obamacare’s Medicaid expansion, which comes at little or no expense to them, rose by an […]

Old Surety: Agent Trip to Colorado Springs

Senate confirms former drug exec Alex Azar as Trump’s health chief

By Dan Mangan The Senate confirmed the nomination of former drug company executive Alex Azar as head of the U.S. Health and Human Services Department on Wednesday. Azar’s long-expected approval as HHS secretary puts him in a charge of a department with a trillion-dollar budget that oversees the massive Medicare and Medicaid health coverage systems, drug regulatory bodies, disease-fighting agencies and […]

Americo: Important Compliance Notice for Agents

  Doing business the RIGHT way is the only way to do business. Americo is committed to helping you build your business in a compliant and ethical manner. Please review the important home office and state notices below. Home Office Notices eApplication Signature Reminder As a reminder, if you are using our eApplication and select […]

“Forming Unbreakable Bonds With Your Clients”

  by Todd Colbeck MBA Have you ever lost a client that simply transferred out? No explanation just here one day gone the next? It doesn’t matter if it was your average client or your best client, it still hurts. Please join me for my upcoming webinar, “How to Form Unbreakable Bonds With Your Client’s”. […]

The Cadillac Tax Was Delayed. Celebrate by Saving on Cap Con!

Monday night President Trump signed a deal to delay the 40% Cadillac/Excise Tax until 2022! NAHU is celebrating this delay by offering $40 off registration for Capitol Conference now through Friday. Use code CTAX when you register.    

“Cures” Act Tips the Scales Even Further in Favor of Medicare Advantage Over Traditional Medicare

On December 13, 2016, President Obama signed into law the 21st Century Cures Act (Public Law No: 114-255, also known as “Cures”, H.R. 34).  The bill, which passed with overwhelming bipartisan support, addresses a wide range of issues, including medical research, the drug approval process, and, added in the final days leading up to passage, […]

Special Update from NAHU: Congress Delays Cadillac Tax and HIT

Congress Delays Cadillac Tax and Health Insurance Tax Earlier today, Congress voted to pass H.R. 195, a bill that would continue to fund the government through February 8, 2018. It includes two major legislative victories for NAHU: delaying the Cadillac/Excise Tax until 2022 and implementing a moratorium of the Health Insurance Tax (HIT), effective for […]

Scholarship available for Missouri students pursuing insurance industry careers

Deadline to apply is March 31 Jefferson City, Mo – The Missouri Department of Insurance reminds high school seniors and college students, who are Missouri residents, to apply for Missouri Insurance Education Foundation (MIEF) scholarships. The deadline is March 31.   Four, $1,500 scholarships are awarded to graduating high school seniors who will be full-time students […]

Americo: Who Else Pays You a 10% Med Sup Bonus?

Do you have $25,000 in qualifying UFirst Med Sup production? Produce at least $25,000 of annualized premium by February 28, 2018 and receive a bonus payout in March based on the following: Qualifying Production Bonus Payout $25,000 – $74,999 5% $75,000 – $124,999 7.5% $125,000 and above 10%   Applies to all plans (eApp or […]

Medicare Plan Sales Clobbered Full-Cost Individual Medical: eHealth

Sales to subsidized ACA exchange plan users were strong Sales of Medicare plans, and sales of individual major medical coverage to people who qualify for Affordable Care Act subsidies, have been strong. Sales of individual major medical coverage to people who do not qualify for ACA subsidies, and who must pay all of the premiums out of their own […]

Trump administration to let states adopt Medicaid work requirements

The Trump administration told U.S. states on Thursday they can for the first time move toward imposing work or job training requirements on people as a condition for obtaining health insurance under the Medicaid government program for the poor. The Centers for Medicare and Medicaid Services issued guidance making it easier for states to design […]

Manhattan Life/Western United Life: Marketing Allowance Extension 2018

Start 2018 with a BANG when you write Manhattan Life and/or Western United Life! We are pleased to announce that the AIMC Agent Marketing Allowance Program for Manhattan Life and Western United Life has been extended through March 31, 2018!  Earn $100 for each issued underwritten Medicare Supplement plan and $25 for each non-underwritten Medicare […]

SilverScript: 2018 AEP Commission Timing

SilverScript processes January commissions in two parts. The first part is done in early January and consists mostly of commissions on policies for clients who were already your SilverScript clients in 2017 and are simply ‘rolling over’ into the same SilverScript 2018 plan. The second part is done in late January and includes commissions with […]

UHC: Vision plans rank high; Lots of great things in store

UnitedHealthcare vision plans rank highest in customer satisfaction in J.D. Power study This year’s report is based on responses from more than 1,300 vision plan participants nationwide, measuring customer satisfaction based on coverage, cost, communication, customer service and reimbursement. UnitedHealthcare’s cumulative score was the highest of the plans analyzed. Health and Wellness Learn how to […]

Clover Health got $425 million to disrupt health insurance — but so far it’s upset customers and missed its numbers

By: Christina Farr In the summer of 2015, senior citizens who had signed up for a fledgling insurance plan called Clover Health started receiving unexpected medical bills for blood work. Most were living on fixed incomes in New Jersey, the only state where Clover, a venture-backed start-up based in San Francisco, was available. As a Medicare Advantage […]

Ambetter: Your clients’ first payment has been extended to January 31!

In order for your clients to complete their Ambetter enrollment, they will need to pay their first month’s premium. We have extended the time to make this payment! They now have until January 31, 2018. Here’s How Your Clients Can Pay: Pay Online (our recommendation!): Monthly bill payment. Just login to their member account and […]

Michael Neidorff, a difference maker in Ferguson, named Citizen of the Year

By Samantha Liss Nearly two weeks before protests erupted in Ferguson after a grand jury’s decision not to indict the officer who killed Michael Brown, Michael Neidorff was appointed chairman of the National Urban League, a historic civil rights organization. The appointment would prove to be pivotal for future investments in Ferguson. Brown’s death sparked […]

Anthem to be Accepted at Mercy in 2018

Patients who have insurance with Anthem will now have more options on where they receive health care in Springfield. It’s commonly known in the Springfield area that depending on your insurance company, you could only go to Mercy or Cox. But that is slowly changing. United recently announced its policyholders can choose between the two […]

CoxHealth and Anthem agree to extend contract

CoxHealth Network and Anthem Blue Cross and Blue Shield are pleased to announce we have reached agreement on key financial terms, and have agreed to extend our contract.  Going forward, our immediate focus will be on finalizing a new agreement.   This extension applies to all products for commercial, individual health care marketplace, and Medicare Advantage […]

New Social Security Income Protection Solution

Many married couples rely on both of their Social Security benefits to provide monthly income, but when one spouse passes away, the surviving spouse will only receive the higher of the two Social Security benefits. How can they offset the loss of this second income? INTRODUCE THEM TO AMERICO’S NEW SURVIVOR INCOME PROTECTOR. Survivor Income […]

Aetna: Happy Holidays | Payment options for members | 2018 coupon books | Recertify renewal payments by 12/31

INDIVIDUAL MEDICARE NEWS (MA/MAPD, PDP): December 18, 2017 Happy holidays Premium payment options for members 2018 coupon books—Top 5 things you need to know Deadline to recertify for renewals is December 31 Happy holidays   Thank you for your business during 2017, and for your ongoing commitment to serving our Medicare members. We wish you […]

5 Key Life and Health Sections in Final Tax Bill

The new, combined version of H.R. 1, the Tax Cuts and Jobs Act bill, could cost life insurers about $22 billion over the period from 2018 through 2027. Rep. Kevin Brady, R-Texas, originally proposed a version of the tax bill that would raise about $22 billion, by combining a $7 billion change in the tax rules for life insurers’ deferred […]

Aetna: Reminder – Telephone Consumer Protection Act: What you need to know

The Telephone Consumer Protection Act (TCPA): What you need to know The Telephone Consumer Protection Act (TCPA) is a Federal Communications Commission (FCC) regulatory law that Aetna selling partners are obligated to comply with, in addition to CMS Medicare Marketing Guidelines. What is TCPA? The Telephone Consumer Protection Act (TCPA) and other laws regulate telemarketing […]

Transamerica: Medicare Supplement Insurance Premium Rate Changes

Transamerica Premier Life Insurance Company will be implementing Medicare Supplement insurance premium rate changes for new sales and inforce policies. The policies that are impacted were originally underwritten by Transamerica Premier Life Insurance Company. The following are the states that will be impacted. State Plan Adjusted Percentage Upload Date New Rate Effective Date Virgina A, F […]

Old Surety: Issue Age Medicare Supplement Plan G now available in Kansas!!!

ATTENTION OLD SURETY AGENTS Old Surety Issue Age Medicare Supplement Plan G now available in Kansas!!! Apps can be submitted NOW with January 1st, 2018 effective dates. Old Surety Life is now offering Issue Age Medicare supplement Plan G in Kansas Plans can be issued with 1/1/2018 and after effective date.   Old Surety Kansas […]

Medico: MO DVH Rate Increase effective 01/01/18

The state is receiving a 10% increase effective 01/01/18 and requires us to notify the insureds 30 days in advance. This rate increase is specific to the closed block of Dental, Vision, & Hearing policies with effective dates from 2010 to May 2013. The increase does not affect the open block of business that is currently being […]

EMC National Life: December LIFENotes – EMCNL’s Agent Newsletter

Message from Eric Faust, EVP & COO – Happy Holidays! Thank you for choosing to do business with EMC National Life this year! We appreciate your continued trust and support–and we’re looking forward to building and maintaining a strong partnership with you in 2018 as we Realize Success with Focus, Discipline and Momentum. From the […]

3 Ways to Achieve a Winning Sales Attitude

Written by Colleen Stanley In the competitive world of sales, everyone is seeking the magic bullet that will accelerate revenue. Companies run brainstorming sessions, hire consultants, and invest in expensive technology. But there’s a simpler way to increase market share: Make your sales organization more optimistic. Don’t roll your eyes; this isn’t going to be a […]

Americo: Unlimited Med Sup Cash Bonus Opportunity Still Going On!

There is No Better Time Than Now to Be Selling Americo Medicare Supplement! Earn $150 on every submitted and approved Underwritten Medicare Supplement application until December 31, 2017. The more applications (eApp or Paper) you place, the more CASH you earn! NO LIMIT! Request More Information Cases must be submitted and approved between October 23 […]

CVS Health’s proposed acquisition of Aetna

To our valued brokers, As you may have seen in the news, CVS Health, the largest pharmacy health care provider in the U.S., has agreed to acquire Aetna. This has no immediate effect on the products your clients have purchased or the products you are selling today. We are very excited about this combination. CVS […]

NAIFA GovUpdate: Senate Passes Comprehensive Tax Reform Proposal

Senate Passes Comprehensive Tax Reform Proposal Action Taken: On December 2, at 2 a.m. (!), the Senate approved its version of the Tax Cuts and Jobs Act, a comprehensive tax reform bill similar to the House’s bill of the same title. Background: With the Senate’s 51-49 passage along party lines, the effort to enact the most […]

“Aetna agrees to $69 billion sale to CVS Health” -Reuters: What does this mean for you?

The rumors of Aetna selling to CVS Health seem to be coming to fruition.  The agreement should be announced today by both companies. Here is the link to the Reuters article. In this last week of AEP, do you know who you are putting your business with?  Is it with a trusted, stable partner? What will […]

Americo: Unlimited Med Sup Cash Bonus Opportunity

There is No Better Time Than Now to Be Selling Americo Medicare Supplement! Earn $150 on every submitted and approved Underwritten Medicare Supplement application until December 31, 2017. The more applications (eApp or Paper) you place, the more CASH you earn! NO LIMIT! Request More Information Cases must be submitted and approved between October 23 […]

Anthem: Members give real-time notifications a thumbs up!

Producer Online News Real-time claim notifications let members know when a claim is received, approved or denied Called What’s My Status, our automated, real-time claim notifications let members know when a claim is received, approved or denied. Learn More ›  

Americo: New Social Security Income Protection Solution

WHAT HAPPENS TO THEIR SOCIAL SECURITY BENEFIT WHEN THEIR SPOUSE PASSES AWAY? Many married couples rely on both of their Social Security benefits to provide monthly income, but when one spouse passes away, the surviving spouse will only receive the higher of the two Social Security benefits. How can they offset the loss of this […]

Mercy Accreditation Update


Americo: See Why Agents Prefer Americo’s Final Expense Products

Americo’s final expense portfolio offers low face amounts, no medical exams, a simple application process and a great bonus incentive program! Americo has a proven history in the final expense market. See for yourself why agents prefer to sell our final expense products. Face amounts as low as $2,000  Option for daily commissions Unique smoker […]

Anthem: Important changes to your Individual commission schedule

Dear Valued Broker, As we announced at the beginning of 2016, we will continue to pay commissions on individual policies sold during Open Enrollment (OE) only. We will also continue the same commission level as last year. As a reminder, policies sold during the Special Enrollment Period (SEP) will not be eligible for commission payments. […]

CMS Proposes Policy Changes and Updates for Medicare Advantage and the Prescription Drug Benefit Program for Contract Year 2019 (CMS-4182-P)

CMS Proposes Policy Changes and Updates for Medicare Advantage and the Prescription Drug Benefit Program for Contract Year 2019 (CMS-4182-P) Contact On November 16, 2017, the Centers for Medicare & Medicaid Services (CMS) issued a proposed rule with comment period that proposes to update Medicare Advantage (MA) and the prescription drug benefit program (Part […]

CMS: 2018 Medicare Parts A & B Premiums and Deductibles

2018 Medicare Parts A & B Premiums and Deductibles   Contact 2018 Medicare Parts A & B Premiums and Deductibles On November 17, 2017, the Centers for Medicare & Medicaid Services (CMS) released the 2018 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Medicare Part B Premiums/Deductibles Medicare […]

CMS: 2018 Medicare Parts A & B Premiums and Deductibles Announced

2018 Medicare Parts A & B Premiums and Deductibles Announced Contact Medicare offers improved access to high-quality health coverage choices in 2018 Agency releases Star Ratings for 2018 health and drug plans in advance of Medicare Open Enrollment  Today, the Centers for Medicare & Medicaid Services (CMS) released the Star Ratings for the 2018 […]

Aetna: Xarelto is back! | Top PDP in 27 states | Provider lookup hotline | 2018 Referral option (use your NPN)

INDIVIDUAL MEDICARE NEWS (MA/MAPD, PDP): November 17, 2017 Xarelto is back… Back on our 2018 formulary! Updated Aetna Medicare Producer Guide Top PDP on Medicare Plan Finder in 27 states + DC Need help looking up providers? Call us Resources for Living – Exclusively for Aetna/Coventry members Grow your business with referrals – How to […]

Americo: Unlimited Med Sup Cash Bonus Opportunity

Earn $150 on every submitted and approved Underwritten Medicare Supplement application from October 23 – December 31, 2017. The more applications (eApp or Paper) you place, the more CASH you earn! NO LIMIT! Request More Information Cases must be submitted and approved between October 23 – December 31, 2017. Applies to all approved and Underwritten […]

Americo: New Social Security Income Protection Solution

WHAT HAPPENS TO THEIR SOCIAL SECURITY BENEFIT WHEN THEIR SPOUSE PASSES AWAY? Many married couples rely on both of their Social Security benefits to provide monthly income, but when one spouse passes away, the surviving spouse will only receive the higher of the two Social Security benefits. How can they offset the loss of this […]

UHC: Capture That Email!

When you are able to enter a member’s email at the time of enrollment, a cascade of engagement and health care insights can positively impact the member years after they sign up for a UnitedHealthcare Medicare plan. A good relationship between an agent, a member and UnitedHealthcare begins with that first positive experience. For members […]

Learn How to Be More Effective this AEP

As the largest Medicare Advantage provider – more than 12 million members – UnitedHealthcare is more than just a health insurance company – we’re a strong, stable health care organization that delivers long-term innovation and a superior experience for your consumers. We strive to provide you a hassle-free experience when you do business with us. […]

Aetna: 2018 Individual Medicare administrative fee payments

2018 Individual Medicare administrative fee payments Administrative fee payments are currently being processed and paid for Individual Medicare enrollments (MA/MAPD, PDP) effective January 2018 that were submitted during the Annual Election Period (AEP). To be eligible to receive administrative fee payments, all writing agents, uplines, payees and principals must be “ready to sell.” To eliminate or […]

Aetna: NEW provider lookup hotline plus Tips for provider lookup tools and Aetna’s Select Rx is a top PDP on Plan Finder

INDIVIDUAL MEDICARE NEWS (MA/MAPD, PDP): November 09, 2017 NEW broker hotline for provider lookup help New enhancements — Now easier to look up network providers Aetna’s Select Rx is top PDP on Medicare Plan Finder in 27 states + DC NEW provider lookup hotline: 1-844-375-2394 You can now call a new Medicare provider lookup hotline for help […]

Trump’s Posts Strong First-Week Results

  By Allison Bell Consumer fear about the future of the Affordable Care Act public exchange system may be driving early sales of 2018 public exchange plans through the roof. took in 2018 plan selection information for an average of about 150,000 people per day during the first four days of the open enrollment period for 2018, according […]

CMS overhaul of Medicaid may face legal challenges

By Virgil Dickson   The CMS will approve requests coming in from various states to impose work requirements on Medicaid enrollees, according to CMS Administrator Seema Verma. While only a handful of states have asked for waivers for the requirement, others could follow. “These are individuals who are physically capable of being actively engaged in their […]

Americo: Add Value to Your Final Expense Sales

Could your clients pay for a child or grandchild’s funeral if they needed to? Many people do not think about purchasing life insurance for their children or grandchildren. Just as they purchase life insurance for their beneficiaries’ future needs, parents and grandparents can make sure the ones who mean so much to them are covered […]

Anthem: Announces Key Management Changes

Anthem, Inc. Announces Key Management Changes Earlier today, our parent company announced that Gail K. Boudreaux, has been named Chief Executive Officer and President and appointed to the Company’s Board of Directors, effective November 20, 2017. Joseph R. Swedish, Chairman, President and Chief Executive Officer, Anthem, will continue to serve as Executive Chairman, Anthem Board […]

UHC: 2017 DSNP Fax Number

If you sell Dual Special Needs Plans (DSNP) in Arizona, the 2017 enrollment fax number is different than the 2018 fax number. During this busy Annual Enrollment Period (AEP), save yourself the hassle of delayed enrollments by faxing them correctly the first time. 2017 DSNP Enrollment Fax Number:  1-855-210-5123 2018 DSNP Enrollment Fax Numbers: 1-501-262-7070 […]

Aetna: $0 PPO in Joplin/Springfield markets!

Don’t miss the 2018 Advantra Freedom PPO (H1608-018): It’s the ONLY $0 premium PPO in Southwest Missouri Check out key features of the 2018 Advantra Freedom PPO (H1608-018): The only $0 premium PPO (MAPD) in Joplin and Springfield markets Large network of hospitals and providers Mercy, Cox and Freeman are all in network No preferred/standard pharmacy network […]

Aetna: Aetna’s Silence Doesn’t Mean It’s Not Listening to CVS

By Max Nisen An all-cash bid may be more than CVS can handle Silence may still be golden for Aetna shareholders. On its earnings call Tuesday morning, Aetna Inc. refused to discuss “rumors and speculation” about a possible acquisition by CVS Health Corp. But don’t take that as a sign the company isn’t interested. Though Aetna beat […]

Congress fails to fund CHIP program, endangering health coverage for 25,000 Missouri kids

By: Will Schmitt Due to a lack of action by Congress, more than 25,000 young Missourians and about 1,300 kids in Greene County are in danger of losing health coverage. An estimated 8.9 million American children covered through the Children’s Health Insurance Programsaw funding for that coverage lapse last weekend after Congress failed to reauthorize funding for the program. […]

Americo: Unlimited Mortage Cash Bonus Potential

Winter Cash Dash! Earn $50 for every 25- and 30-year HMS Plus Term or HMS Plus Payment Protector application submitted and paid between October 18 and December 31, 2017. For every 10th application we’ll pay you a $500 bonus! NO LIMIT! 10 paid Apps = $500 + $500 = $1,000 20 paid Apps = $1,000 + $1,000 = $2,000 Have the […]

Anthem: Fly High as a Medicare Megastar and earn a FREE AHIP Certification!

Here’s how YOU can be a Medicare Megastar and get FREE AHIP certification! Sell 18 approved Medicare Advantage policies with 1/1/18 effective dates during this AEP season and YOU can become a Medicare Megastar! As a Medicare Megastar you’re entitled to SUPERHERO benefits like getting your 2019 AHIP certification at no cost! That’s our way […]

8 Ways for Agents to Answer ‘What Do You Do?’

By Bryce Sanders Perceptive Business Solutons You’ve seen it all before. You’re attending a wedding/funeral/birthday. You chat will a well-dressed stranger. They ask: “What do you do?” You say: “I sell insurance.” They bolt. Later, you learned all about elevator speeches. “I’m an estate planning specialist in intergenerational wealth transfer.” It’s smoother, but sounds scripted. They counter: “You’re an insurance […]

3 Possible CVS-Aetna Deal Effects, for Agents

By Allison BellInsurance EditorThinkAdvisor The Wall Street Journal set off a stock trading frenzy Thursday by reporting rumors that Woonsocket, Rhode Island-based CVS Corp. is offering about $60 billion to acquire Hartford, Connecticut-based Aetna Inc. A sentimental insurance agent or broker’s immediate reaction to the news of the CVS-Aetna deal rumors might be: How sad. Aetna is not the biggest […]

UHC: The Right Plan at the Right Time

It’s the Annual Enrollment Period (AEP), which is a great time to check in with members to find out if their needs have changed. Here are just a few of the questions to consider: Is the member in a Prescription Drug Plan (PDP)? Is the member taking any new prescription drugs? Does the member have […]

NAIFA: IRS will require health insurance info on tax returns

Experts: 401(k) contributions still may not be safe from tax overhaul President Donald Trump tweeted Monday that 401(k) plans would not be affected by tax-overhaul efforts, but some experts say deductions on 401(k) contributions aren’t necessarily untouchable at this point. Some Republicans have said they are uncertain about what Trump hopes to see in tax […]

NAHU: Join Us at Capitol Conference – Register Today and Save!

Click HERE to see the basic agenda. Click HERE to register for the NAHU 2018 Capitol Conference, February 26-28 in Washington, DC. Limited Spaces Available. Click HERE to reserve a room today.

UHC: Transitional Fee Due Nov. 15; Real Appeal, Motion Webinars Scheduled

Self-funded Transitional Fee Due Nov. 15 The final installment of the Transitional Reinsurance fee is due by Nov. 15 for those self-funded employers who selected to pay the 2016 fee in two installments. Broker Support Final “Motion” Webinar Set for Oct. 30: Attend the final Motion Webinar where you’ll learn how to leverage the wearable […]

NAHU: Take Action! Tell Congress to Support H.R. 3919 and S. 1908, to Ease Employer Reporting Requirements!

  Take Action NAHU is excited to announce that earlier this month Senators Mark Warner (D-VA) and Rob Portman (R-OH) introduced S. 1908, and Representatives Diane Black (R-TN) and Mike Thompson (D-CA) introduced H.R. 3919. These bipartisan bills will provide much-needed relief for employers seeking to comply with the reporting requirements under Sections 6055 and […]

Renaissance: Product Updates

Renaissance Life & Health Insurance Company of America – Annual Enrollment Period  – Cash KickOff Contest in Florida – 2017 Competitive States with Great Rates – 2018 Sales Convention – 2017 Rate Adjustments Great News for ALL Producers! During the Annual Enrollment Period (AEP), we will accept applications requesting a January 1, 2018 effective date […]

Americo Med Sup AEP Cash Contest

Medicare Supplement AEP Cash Contest Earn $150 on every submitted and approved Underwritten Medicare Supplement application from October 23 – December 31, 2017. The more applications (eApp or Paper) you place, the more CASH you earn! NO LIMIT! Request More Information Cases must be submitted and approved between October 23 – December 31, 2017. Applies […]

Free NAIFA Members-Only Webinar: Social Security is an Investment – Help Your Clients Understand It

Social Security is an Investment – Help Your Clients Understand It Date: Wednesday, November 15, 2017 Time: 3:00p – 4:00p Eastern time Your clients have made a valuable investment by paying into the Social Security system over their lifetime. Most tend not to think about this investment until something happens – a loved one passes […]

Allwell: Important Message Regarding Allwell’s VBE

An important message about Allwell’s new initiative “Value Based Enrollments” to leverage beneficiary contact at the point of sale. Here is what you need to know: The Value Based Enrollment Program launched by Allwell is a quick and easy process to help gather health-related information and provide a smooth transition of care to your Medicare […]

UHC: JarvisWRAP for October 20, 2017

New Podcasts Available   Stay in the know by knowing the tools available to you! Learn about the UnitedHealthcare Toolkit, LEAN, Jarvis and much more on our newest podcast. Listen here. READ MORE ON JARVIS Reminder! Section 1557 Non-discrimination Disclaimer Requirement As the Annual Enrollment Period (AEP) starts, please remember that the Section 1557 Notice […]

9 New 2018 Tax Numbers to Know

The Internal Revenue Service has published a big new collection of tax parameters for 2018, in Revenue Procedure 2017-58. Even financial professionals who do their best to keep as much room between themselves and tax questions as possible may find themselves hunting for the revenue procedure document over and over, just to try to find just what, for […]

Judge May Keep ACA Subsidy Payments Flowing to Insurers

A federal judge appears to be sympathetic to the idea of granting a temporary restraining order that would force the administration of President Donald Trump to continue to make Affordable Care Act cost-sharing reduction subsidy payments. The judge, U.S. District Judge Vince Chhabria, has scheduled a hearing on the request for the restraining order for 2 p.m. Pacific […]

Washington Update from NAHU

Fast Facts NAHU-supported market stability legislation was introduced with bipartisan support from 24 senators to provide funding for the ACA’s cost sharing reduction program, provide additional state flexibility through waivers, and other provisions. NAHU activated Operation Shout to urge Congress to pass a delay of the Cadillac/excise tax prior to the end of the year […]


2018 Star ratings How to submit enrollments 2018 Sales videos NEW for 2018: SilverSneakersSM fitness benefit NEW for 2018: Resources for LivingSM NEW for 2018: Diabetic testing supplies Aetna once again outperforms industry average in latest Medicare star ratings Aetna’s Medicare Advantage Prescription Drug (MAPD) plans have once again received higher than average ratings from the […]

Medicare X: the Democrats’ supercharged public option plan, explained

Updated by Sarah Kliff Senate Democrats are increasingly divided over how far the government ought to go to expand health coverage. At one end of the spectrum is Sen. Bernie Sanders (I-VT), who has offered an idea to end employer-sponsored coverage and move all Americans to a government-run plan. At the other are Sens. Michael […]

Could The Health Insurer Subsidy Shutdown Lead To Free Coverage?

WASHINGTON (AP) — If President Donald Trump prevails in shutting down a major “Obamacare” health insurance subsidy, it would have the unintended consequence of making free basic coverage available to more people, and making upper-tier plans more affordable.   The unexpected assessment comes from consultants, policy experts, and state officials, who are trying to discern […]

CMS: Bill it Right the First Time: Compliance Newsletter & Video

News & Announcements Preview Draft eCQM Specifications through November 13 MIPS Virtual Group Election Period Ends December 1 Quality Payment Program: New Resources SNF Quality Reporting Program Confidential Feedback Reports for Claims-Based Measures SNF Review and Correct Report Update Post-Acute Care Quality Reporting Programs FY 2018 APU: Successful Facilities New CMS Legionella Requirement for Hospitals, […]

Essence: Sales Blast! – Online Enrollment Tool Update

Great News! The selection for Annual Enrollment Period (AEP) has been updated on the Online Enrollment Application.  There is no need for you to mark “Other” and input AEP, just mark the AEP box going forward.  

Announcement in Medicare and Medicaid Compliance

  Rafael Gonzalez, Esq. President of Flagship Services Group Medicaid provided health coverage to 1 of every 5 of us, about 74 million Americans, as of June 2017, costing us $553 billion Medicaid provided coverage to about one in five Americans, or about 74 million as of June 2017. “Total Medicaid spending was $553 billion in […]

Rewriting the words brokers should be using to win clients

by Sam Boyer It could be that you’re talking to your potential clients all wrong, that what you’re saying is turning them off rather than securing that deal. Maybe you have a tried and true script you work off. Certainly there are insurance buzzwords you use time and time again… Well, it may be time to […]

NAHU: Operation Shout

Take Action NAHU is urging Congress to further delay the Cadillac/Excise Tax as they consider additional delays of the Health Insurance Tax (HIT) and the Medical Device Tax. All three of these ACA taxes were delayed in December 2015, with the Cadillac Tax delayed until 2020 and the HIT and medical device delayed for one […]

UHC: Enrollment Right the First Time

Save time and hassles when you process enrollment applications correctly the first time this Annual Enrollment Period (AEP). An updated version of the Enrollment Handbook is now posted on  Use the Enrollment Handbook to break down details in the enrollment process including: steps in the enrollment process election periods billing options enrollment letters application […]

Americo: Unlimited Mortgage Cash Bonus Contest

Winter Cash Dash!   Earn $50 for every 25- and 30-year HMS Plus Term or HMS Plus Payment Protector application submitted and paid between October 18 and December 31, 2017. For every 10th application we’ll pay you a $500 bonus! NO LIMIT! 10 paid Apps = $500 + $500 = $1,000 20 paid Apps = $1,000 + $1,000 = $2,000 Have […]

ALLWELL: Reminder! Important changes to Medicare enrollment submission fax #EFF

Improve Your Beneficiaries Experience by Submitting a Clear and Concise Application! One of our highest priorities is to process enrollment applications in a timely and accurate manner.  You can assist us in minimizing errors and/or omissions to assure the quickest processing of applications and accurate broker linkage.  These inconsistencies can create delays in enrolling your […]

Anthem to launch new pharmacy benefits manager

Today, our parent company Anthem, Inc., announced that it is launching IngenioRx, a new pharmacy benefits manager (PBM). IngenioRx will begin offering a full suite of PBM solutions starting in 2020. IngenioRx will strengthen Anthem Blue Cross and Blue Shield’s value proposition centered on improving health outcomes and helping to lower total health care costs […]

UHC: Sales Compensation Information

The Annual Enrollment Period (AEP) is here, and UnitedHealthcare is committed to paying your commissions in a timely manner throughout the year! Below are a few reminders for 2018 enrollments: The Centers for Medicare & Medicaid Services (CMS) requires that agent-level commissions for the sale of Medicare Advantage (MA) and Prescription Drug Plans (PDP) be […]

Old Surety: Kickoff!

Win BIG with Old Surety Life $50 Medicare Supplement Bonus Program now available! $50 Bonus on Med Supp! $50 Bonus on all underwritteen Med Supp Business! PLUS LIFETIME LEVELIZED COMMISSIONS!!   Get off the bench and get in the game today! Call 1-800-272-5466 for supplies or questions *Bonus will be paid upon issue to the […]

Old Surety: Hit the ground running this AEP with us!

Why Old Surety?   Issue Age Med Supp Rates Bionus programs Advancing availble Commissions paid on Part B deductible 24/7 agent access through our agent portal Access to a true stand-alone PDP Levelized commission for the life of the policy New Pan G available in some state   Call today for supplies or more information! […]

NAHU Members — An Astounding Fact

Here’s an astounding fact: People who read business books make more money — a lot more! (Even in tough economic times.) According to a number of studies, people who read at least seven business books a year earn over 2.3 times more than those who read only one book per year.* Why? One reason is […]

UHC: 2018 Star Rating Results

UnitedHealthcare is proud to announce that for 2018 Star Ratings (2019 payment year), we expect to again achieve at least 80 percent of our Medicare Advantage members enrolled in plans with four stars or higher. This will be the third consecutive year in which at least 80 percent of our members are in plans rated […]

United Healthcare: Meeting Reminder: 1 Sales Event(s) 10/18

On behalf of UnitedHealthcare Medicare Solutions we would like to thank you for your business and commitment to serve consumers as a trusted advisor. Compliance Reminders (based on trending topics) 2017 Star Ratings: Provide the 2017 Star Rating when you present a Medicare Advantage or Prescription Drug Plan. If your inventory of Enrollment Guides indicates […]

United Healthcare: Update! Non-resident Appointment Fee

In an effort to remove hassle, we’ve made some changes to the way non-resident appointment fees appear on compensation statements. Here’s what you need to know UnitedHealthcare charges EDC and IMO agents for the non-resident appointment fee—when applicable, charges appear on compensation statements We are adding additional detail to the charge line on the statement […]

Americo: Living Benefits Offer Peace of Mind

Being diagnosed with an unexpected illness can cause a loss of income and medical expenses, which can take a toll on a family budget. Living Benefit Riders can help offer peace of mind at a critical time. These benefits will give your clients access to an early (accelerated) payout of the policy death benefits if […]

United Healthcare: JarvisWRAP Medicare highlights

Welcome to the JarvisWRAP Welcome to the first edition of the JarvisWRAP! Each week during the Annual Enrollment Period (AEP), we will provide a quick overview of the most recent news to hit Jarvis that week. Think of is like a news email from the New York Times or something like The Skimm – it’s […]

Time Running Out to Fix Social Security, Medicare: BPC

Further delays could mean deeper cuts in benefits or increases in taxes or both, according to a BPC report by the last two public trustees of the Trust funds   The window of opportunity to make up the shortfalls in the Social Security and Medicare trust funds is closing, and the longer the government delays, […]

Americo: Are You Ready for AEP?

Americo has a game plan in place to help you be successful during AEP It’s Game On We are ready to take your AEP applications right now The effective date can be extended 90 days from the application sign date New look and redesigned navigation on our eApplication make it even easier to use and […]

STARS Ratings Released and Humana Ranks High

Medicare Star Quality Ratings Reflect Humana’s Commitment to Quality Care for Its Members   **2.4 million, or approximately 74%, of Humana Medicare Advantage members are in 4-plus star contracts **Humana received a 4.5-star rating for five Medicare Advantage contracts offered in 8 states **All Humana Medicare Advantage HMO membership in Florida received a 4.5-star rating **12 […]

NAHU’s Statement on Trump’s Executive Order

Earlier today, President Trump signed an executive order in an attempt to improve access, increase choices and lower costs for healthcare. What Is in the EO? The EO directs the secretary of Labor to consider proposing regulations or revising guidance to expand Association Health Plans. The intent of this directive is to allow employers in […]

Protect your Social Security benefits after data breaches

By Michelle Singletary: The irony is not lost on me — nor should it be on you — that National Cyber Security Awareness Month falls at the same time we celebrate Halloween. When it comes to money, one of the scariest things happening right now is the insecurity of our financial information. The fast-food chain Sonic […]

Essence: CoxHealth MedicarePlus Springfield Office is in on the move!

This afternoon, we are moving from 3354 S. National, Suite F, to our new larger offices at 3330 S. National, Suite 100. If you are familiar with the location of our current office in the Medical Mile Plaza at the corner of Walnut Lawn and National Avenue in Springfield, the new office is located in […]

Mercy and UnitedHealthcare Expand Network Relationship in Southwest Missouri for 2017

SOUTHWEST MISSOURI – Beginning Jan. 1, 2017, individuals enrolled in most UnitedHealthcare® plans will have the additional choice of more than 675 Mercy doctors and facilities across the region to choose from for in-network health care services. The change is effective for Medicare Advantage plans as well as UnitedHealthcare employer-sponsored plans that access the Choice POS network plans. Covered patients will have […]

Features of winning Medicare Advantage plans of 2017

TEG Healthworks(TM) has been providing fast and accurate prediction/insights on Medicare Advantage plans to top insurers in the USA. Get enrollment prediction within 72 hrs of CMS releasing AEP plans. #Medicare #TEGHealthworks #TEGAnalytics #AEP Read More

Americo: 10 Percent More

10 Reasons you should write Americo Med Sup 10% Household Discount 10% UFirst Bonus No Policy Fee Great rates on Plans F, G, & N! Voice, Tablet,  & Electronic Signature Options eApplication Available “A” Rated Company Competitive Commmissions Policy e Delivery Available Sales Tools & Preapproved Advertising Available Want to know more? Request more information […]

Ambetter: 2017 Fourth Quarter Broker News – October

Remember that 2018 Open Enrollment is November 1, 2017 through December 15, 2017! WA only: Remember that 2018 Open Enrollment is November 1, 2017 through January 15, 2018! Find out how to receive updates on your phone! Find out how to help clients understand how to renew during the 2018 Open Enrollment. Read More…

Anthem: Become a certified Medicare Megastar!

Grow your business by leaps and bounds Are you ready to grow your business by leaps and bounds? Then NOW is the time to learn about our NEW 2018 AEP plan options for your current and prospective clients. Sell 18 approved Medicare Advantage policies with 1/1/18 effective dates during this AEP season and YOU can […]

Anthem cyber attack class action settlement mailing

Anthem Newsflash Anthem, Inc., has reached a settlement to resolve the multi-district class action litigation relating to the 2015 cyber attack against the company. The settlement did not include any finding of wrongdoing, and Anthem did not admit any wrongdoing or that any individuals were harmed as a result of the cyber attack. The settlement […]

UHC: Why Every Agent Should Care About Net Promoter Score

You may be asking yourself, what is a Net Promoter Score (NPS)? Or, why should I care? NPS is a customer loyalty metric that can help predict member retention and growth. It starts by asking customers a single question, “Would you recommend our product, service or company to others?” As agents, you play a critical […]

UHC: New SAM Enhancements — Just in Time to Streamline Q4

By United Healthcare Broker Connection “To give you a better quoting and enrollment experience with your clients, we’ve made new enhancements to the Sales Automation Management (SAM) tool!” There’s support on new SAM trainings,  there are new Medicare ID cards, and more! Read more here! Plus join us on October 11th for the Health with […]

UHC: Toolkit Training September 2017

By UnitedHealthcare If you attended a UnitedHealthcare Toolkit training, thank you! If you were unable to make it, we are having a makeup session this week-details are listed below. For reference, here is a Toolkit cheat sheet. Below is a list of the top materials reviewed during the call. To find them, just type  the title […]

Mutual of Omaha Dental Commission Schedule Update – Approved States

By, Mutual of Omaha We are pleased to introduce for sale, effective October 7, 2017, the new Mutual of Omaha Dental product for the following states: Alabama, California, Colorado, Florida, Idaho, Indiana, Iowa, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, West Virginia, Wisconsin, Wyoming. Please use this […]

UHC: Annual Medicare Product Commission Updates

UnitedHealthcare Medicare Solutions is amending its agent/agency contracts. We strive to provide a superior health care experience for members and look forward to working with you in 2018! Important Notes The 2018 Prescription Drug Plan (PDP) and Medicare Advantage (MA) Plans Commission Schedule is now available. The 2018 Medicare Supplement Insurance Plans Commission Schedule is now available. The following […]

Fiduciary Rule Applies To Health Savings Accounts

By Susan Rupe InsuranceNewsNet The Department of Labor wants to remake the Obama administration fiduciary rule. The Department of Labor (DOL) fiduciary rule does not apply only to products such as annuities. The rule also applies to health savings accounts (HSAs). An alert sent out by The Wagner Law Group states that those who provide advice […]

How Emotional Intelligence Can Be Key to Workplace Success

By Staff While there are many benefits to having high intelligence, many managers, supervisors, and other workers—particularly those who work in businesses in which interpersonal relationships are key—have become keenly aware that workplace success may depend on their ability to use another invaluable personality trait: emotional intelligence. What Is Emotional Intelligence? The concept of emotional […]

Recent HIPAA Changes

Recent HIPAA Changes The recent HIPAA changes extend the scope and extent of the Health Insurance Portability and Accountability Act and the Health Information Technology for Economic and Clinical Health Act (HITECH). Many of the new HIPAA rules for 2013 account for changes in working practices and advances in technology since the original legislation was […]

18,000 could lose health coverage in Missouri’s ‘bare counties,’ as state faces tough choices

By DURRIE BOUSCAREN & BRENT JONES Next year, Blue Cross Blue Shield of Kansas City will leave the individual health care marketplace in Missouri that was set up under the Affordable Care Act. And when it does, about 18,000 patients in 25 western Missouri counties will lose their health insurance. If those enrollees sign on to this fall to [...]

Obamacare Is Suddenly in Grave Danger.

by BENJY SARLIN WASHINGTON — A last-ditch Republican effort to repeal Obamacare picked up steam on Monday as a key senator opened the door to supporting the bill, which is popularly known as Graham-Cassidy. The GOP got a boost when Sen. John McCain, R-Ariz., who was one of three Republican “no” votes in July that derailed the […]

ObamaCare push may show Senate Republicans ‘getting there’

By Joseph Weber, Fox News Senate Republicans are trying again to repeal and replace ObamaCare, pushing a measure that would give states broader authority through block grants and which appears to have wide support among GOP members. But the deadline to pass such a measure ends in just days, with leaders of the GOP chamber skeptical […]

How Far Does $1 Million Go in Retirement?

AUGUST 22, 2017 By Suzanne Woolley How Far Does $1 Million Go in Retirement? From Mississippi to California to Hawaii, here’s the purchasing power, state by state A million dollars—it has a nice ring to it. But as Dr. Evil learned after spending 30 years cryogenically preserved, it may not be enough—for many people, certainly not […]

More than 60,000 Missourians face prescription drug benefit cut

June 5, 2017 | By Kurt Erikson JEFFERSON CITY • A looming change in how Missouri helps low-income seniors pay for prescription drugs has Robin Weiss fearing the worst for her parents and herself. On July 1, Weiss, 60, and her elderly mother and father are expected to be among tens of thousands of low-income [...]

Old Surety Life Agent Trip

Trip in Colorado  Qualifying period – July 1st 2017 through December 31st, 2018  Trip for you and a guest Trip in Summer of 2019 Call for more information – 1-800-272-5466 More details coming soon. 

Anthem will sell insurance on Missouri exchange in 2018 — at least for now

Anthem Inc. said Monday it will sell coverage on the health insurance exchange in Missouri in 2018. However, Anthem warned that it could adjust that decision, or any aspect of it, as the year goes on. The Indianapolis-based company, which currently provides Blue Cross Blue Shield plans in 14 states, said it may laterdecide to […]

Centene commits to new Obamacare markets for 2018, as other insurers eye business

June 14th, 2017 | By: Dan Mangan Centene will start selling Obamacare plans in Kansas, Missouri and Nevada next year. The insurer in early 2017 doubled its number of Obamacare customers. Insurers are worried that they could lose billions of dollars in funds owed them by the federal government for Obamacare subsidies. Where President Donald […]

29 Ideas to Cross-Sell More Insurance to Current Clients

May 29th, 2017 | By: John F. Carroll Sometimes cross-sales fall in your lap. “Do you guys also do life insurance?” Beautiful thing, huh? Most of the time though, you have to work hard to make it happen. I’ll assume you’re already good with the ones that fall in your lap, today I want to […]

The Top 5 Mistakes We All Make While Networking

June 6th, 2017 | By: Ivan Misner BNI Executive Director Tim Roberts breaks down the five things you need to stop doing while you’re networking. First of all, make sure you don’t overemphasize sales — not just of your products, but of yourself, too. Americans love to buy things, but we hate when we feel like […]

What really happens without insurance?

May 23rd, 2017 | By: Sheryl Brown I’m finally ready to talk about something very personal. Something which affected my home even though I work in financial services. On Friday, May 5, 2017, my mother-in-law, Mary Madjlessi, died at 2:45 am in a state-aided nursing home. She died in a bed just 10 feet from […]

The Single-Payer Party? Democrats Shift Left on Health Care

June 3rd, 2017 | By: Alexander Burns and Jennifer Medina For years, Republicans savaged Democrats for supporting the Affordable Care Act, branding the law — with some rhetorical license — as a government takeover of health care. Now, cast out of power in Washington and most state capitals, Democrats and activist leaders seeking political redemption […]

What’s the Social Security Number Removal Initiative (SSNRI)?

The Medicare Access and CHIP Reauthorization Act (MACRA) of 2015, requires us to remove Social Security Numbers (SSNs) from all Medicare cards by April 2019. A new Medicare Beneficiary Identifier (MBI) will replace the SSN-based Health Insurance Claim Number (HICN) on the new Medicare cards for Medicare transactions like billing, eligibility status, and claim status. You […]

Aetna New AOR Policy

Aetna has released a new AOR policy change please be aware of changes below.  Key points Aetna Medicare Producer Guide – March 2017 pages 67-73

Web Brokers Win a Major War

May 17th, 2017 | By: Allison Bell If the Affordable Care Act public exchange system survives Republican efforts to change the ACA, private health insurance agents and brokers may get to play a much bigger role in selling exchange plan coverage. President Donald Trump’s Centers for Medicare & Medicaid Services says it will let web broker […]

Health insurance premiums will keep going up, under either ACA or AHCA

May 15th, 2017 | By: Glenn Kessler “If we do nothing, premiums will go far, far, far higher than they would otherwise go up. . . . I think they’ll go down once this system comes into place.” — House Speaker Paul D. Ryan (R-Wis.), interview on CBS’s “Face the Nation,” March 12, 2017 “The […]

Aetna to Pull Out of Current Affordable Care Act Exchanges

May 11th, 2017 | By: Anna Wilde Mathews The Wall Street Journal  (5/10, Mathews, Subscription Publication) reports that on Wednesday, Aetna Inc. announced it would exit the Affordable Care Act marketplaces in Delaware and Nebraska in 2018, which means it will no longer sell any ACA plans. The insurer estimated that it would lose about […]

Can employers make you rely on Medicare and drop their insurance?

May 4th, 2017 | By: Philip Moeller  Editor’s Note: Journalist Philip Moeller is here to provide the answers you need on aging and retirement. His weekly column, “Ask Phil,” aims to help older Americans and their families by answering their health care and financial questions. Phil is the author of the new book, “Get What’s Yours for […]

Medicare Advantage plans to receive 0.45% rate hike for 2018

By Shelby Livingston and Virgil Dickson  | April 3, 2017 The federal government bumped up average pay raises for 2018 Medicare Advantage plans and modified several of the program’s policies in favor of the health insurance industry. Payment rates for insurers that sell Medicare Advantage plans will rise by 0.45% on average for 2018, the CMS said in its final […]

5 Ways the New ACA Rules Will Change Health Insurance Sales

April 17th, 2017  The U.S. Department of Health Human Services has just completed work on regulations that could make big changes in how the U.S. individual health insurance market. One change will cut the open enrollment period for 2018 in half, to just 45 days. The open enrollment period will now end Dec. 15, not […]

CMS issued final rule to increase choices and encourage stability in health insurance markets for 2018

The Centers for Medicare & Medicaid Services (CMS) issued the final Market Stabilization rule to help lower premiums and stabilize individual and small group markets, and to increase choices for Americans.   Individuals obtaining coverage in the Marketplace created by the Affordable Care Act have faced double-digit premium increases, fewer plans to choose from, and […]

The Facts About Social Security, Medicare May Surprise You

February 17th, 2017 | By: Mark Miller While the era of “alternative facts” dawned in Washington last week, experts from across the ideological spectrum gathered in the capital for a review of real facts about our two most important retirement programs: Social Security and Medicare. The annual policy research conference of the National Academy of […]

9 Signs You’re Successful—Even If It Doesn’t Feel Like It

May 8th, 2016 | By: Dr. Travis Bradberry If you’re ambitious, you’re bound to feel like a failure from time to time. Lofty goals lead to inevitable moments when you aren’t yet living up to your expectations. We live in a world that reinforces this feeling. Though most people won’t admit it—other than the guy […]

Surprise! Do your clients know how Social Security income is taxed?

April 5th, 2017 | By: Mark E. Caner “Making friends.” “Being busy.” “Spending more.” “Missing work.” Ask retirees what has surprised them about retirement and you can expect responses such as those. What goes unmentioned, though, may be a surprise that comes at tax time. It is the discovery that, for the majority of recipients, […]

7 things health agents think about insurers

March 20th, 2017  If you’re an agent selling major medical insurance, long-term care insurance or other health-related products, you may feel unloved right now. But, whether or not anyone has the cash to pay you, both the insurers and consumers need you now more than ever. You help insurers make money by using capital to patch […]

Why The Republican Health Care Plan Delays, Not Repeals, The ‘Cadillac Tax’

The House Republican plan to overhaul the Affordable Care Act would delay, not repeal, the so-called “Cadillac tax” on the most expensive job-based health insurance plans. The news came as a disappointment to some in the Republican rank and file, as well as labor union members, who fought for years against the 40 percent excise tax, […]

Tax Guide Get answers to all your questions about taxes, personal finance, insurance and more.

Health Savings Accounts and Your Tax Return A Health Savings Account (HSA) is a way to save money to pay for medical expenses and costs that not covered by insurance. An HSA is also a great tool for saving money not only for medical expenses, but also for retirement. Tax Benefits for HSAs Besides being […]

Obamacare Expert: Scrapping the Individual Mandate Will Only Worsen Health Care’s Biggest Problems

March 8th, 2017 | By: Jonathan Gruber Earlier this week, House Republicans released a long-anticipated health care plan that would “repeal and replace” Barack Obama’s signature Affordable Care Act (ACA). Even though the bill keeps the most popular part of Obamacare and bans insurance companies’ consideration of pre-existing conditions when selling insurance, it nevertheless reintroduces […]

10 Things That Will NEVER Change In Sales

March 9th, 2017 | By: Daniel Disney The sales landscape is constantly changing. New technology, new platforms, new corporate structures and fluctuating economies make it a tough industry to keep up with. Sales strategies will evolve to reflect these changes but ultimately sales as a profession, sales as a key activity will rarely change. Here […]

The most important step to gaining customer referrals

March 7th, 2017 | By: Shawn Sparks Sometimes in life you don’t get what you want, you get what you deserve. When it comes to referrals for your business, I sincerely believe this is true. If you are getting a lot of referrals, you probably deserve them. If you are not, you probably don’t.   […]

Medicare Savings Program Enrollment Visualization

The Medicare-Medicaid Coordination Office at the Centers for Medicare & Medicaid Services (CMS) periodically releases updates to enrollment data for dual-eligible Medicare and Medicaid beneficiaries; the most recent update reflects the period from December 2007 through March 2016. The visualization below enables you to view enrollment in each dual-eligible (Medicaid and Medicare Savings Programs) program at the state and […]

Trump Administration Released Proposed Rule Intended to Stabilize Health Insurance Markets

NAHU’s Washington Update is on hiatus this week. In lieu of our usual collection of articles and podcast, we are summarizing the most recent regulatory action affecting our industry.   On Wednesday, February 15, the Trump Administration released its first significant health policy action, a proposed rule intended to stabilize the individual and small group […]

Humana backs out of the Affordable Care Act

As you are likely aware from news reports, Humana has announced its decision to no longer offer health insurance coverage through the Federal Exchange in 2018.   Humana has worked over the past several years to address market and programmatic challenges in order to keep coverage options available for individuals and families. This has included […]

Why prospecting fails and what to do about it

February 17th, 2017 | By: John Graham Prospecting is arguably the hottest topic in sales. In spite of all the seminars, podcasts, training programs and books, not to mention pressure from managers, most salespeople are prospecting excuse experts. Even when cajoled, pushed and incentivized, salespeople have a tough time getting their prospecting engine to run […]

Everest Agent Bonus Program

Everest has a Agent Bonus Program Reward: $50 for every underwritten E-Application $25 for every open enrollment E-Application Period: 2/1/17 through 4/30/17 Qualifying business must be submitted using E-App only! $250 additional bonus if a minimum of 10 underwritten e-applications OR 15 e-application of any type are submitted and issued during the reward period! For […]

Humana Updates

      Humana Daily update ⋅ February 15, 2017   FINANCE   Stock price: HUM (NYSE) $205.48 -0.49 (-0.24%) February 15, 2017 at 12:33:04 PM EST | Disclaimer   NEWS   Humana Plans to Pull Out of Obamacare’s Insurance Exchanges New York Times Humana announced on Tuesday that it would no longer offer health […]

Cigna faces off with Anthem, escalating fight by ending deal

February 15th 2017 | By Cecile Daurat  Simmering tensions between Anthem Inc. and Cigna Corp. exploded Tuesday as Cigna sued to end their $48 billion deal, and Anthem moments later said it would fight to keep the merger alive. The clash came just hours after the other U.S. health insurance megadeal, a $37 billion tie-up […]

New Bills – Keep Updated

      HB 80                  Vescovo, Rob(R) Changes the laws regarding employee welfare and retirement plans to require certain employers to provide a summary annual report.   Track Name(s): MAIFA (Neutral)   Bill History: 01-10-17 H Referred to House Committee on House-Pensions 02-06-17 H Meeting set for 5:00 […]

One of the US’s largest health-insurance companies is dumping Obamacare; Trump says law ‘continues to fail’

February 14th 2017 | By: Bob Byran Humana is pulling out of the Affordable Care Act market. The company, one of the five large publicly traded health insurers, said in a press release Tuesday that it would pull all its business from the individual marketplaces starting January 1, 2018. The announcement comes the same day […]

Aetna and Humana break up

February 14th 2017 | By: Allison Bell  Aetna Inc. and Humana Inc. say they have agreed to call off efforts to merge. Hartford, Connecticut-based Aetna once hoped that acquiring Louisville, Kentucky-based Humana would be a good way to help both companies respond to pressure to cut costs in the face of regulatory uncertainty. But a federal court […]

Blocked insurer mergers: What the decisions mean and what lies ahead

February 13th 2017 | By: Leslie Small  When four of the country’s five largest for-profit health insurers announced two summers ago that they would pair off, many saw the moves as a game changer. Now, with both the Aetna-Humana and Anthem-Cigna deals struck down by the federal courts, the implications for both the health insurance […]

Humana faces $401 million loss, and Medicare headaches

February 8th, 2017 | By Allison Bell Humana Inc. has already cut back on sales of individual major medical insurance market, and now it says it’s facing challenges in the private Medicare plan market. The Louisville, Kentucky-based health insurer talked about the Medicare plan worries today when it announced its earnings for the fourth quarter of […]

The right persuasive words turn prospects into clients

February 8th 2017 | By: Mark Rodgers I’ve said this before, but it bears repeating — especially in discussions about persuasion: Logic makes you think, emotion makes you act. Some words are more compelling than others because of their emotional heft. They create powerful mental images to which listeners can readily relate. That’s why some […]

Record Number of U.S. Senators Sign Letter Supporting Medicare Advantage

January 26th, 2017 | By: Business Wire A record 65 United States Senators took a stand yesterday to protect seniors with Medicare Advantage (MA). Senators Mike Crapo (R-ID) and Bill Nelson (D-FL) led a bipartisan letter to Acting Administrator Conway at the Centers for Medicare and Medicaid Services (CMS) strongly supporting MA. The number of Senate […]

Republicans Retreat to Philadelphia to Work out Details on Possible ACA Replacement Plans

This week, congressional Republicans attended a two-day policy retreat in Philadelphia to work out their agenda for the coming year, including details and timelines for the repeal and replacement of the Affordable Care Act. House Speaker Paul Ryan (R-WI) announced that they would use a three-pronged process for health reform: first to repeal the law […]

6 ACA individual mandate replacement ideas

January 24th, 2017 | By: Allison Bell A critic of the Affordable Care Act says the ACA individual coverage mandate works especially poorly and ought to be replaced. Thomas Miller, a senior fellow at the Washington-based American Enterprise Institute, talked about alternatives to the mandate today in Washington during a hearing organized by the House Ways & Means oversight subcommittee. […]

Cadillac plan tax math may shape ACA attack

January 26th, 2017 | By: Allison Bell  A benefits compliance specialist says he thinks the current Affordable Care Act battle could threaten the federal income tax exclusion for employer-sponsored group health premiums. Edward Fensholt, a lawyer who tracks the ACA for Kansas City, Missouri-based Lockton Companies, said today in an email interview that the group […]

Trump signs ACA burden relief executive order

President Trump started his presidency by signing an executive order that seeks to minimize any burdens caused by the Patient Protection and Affordable Care Act. In the order, Trump states that the administration is working to have PPACA repealed. “In the meantime, pending such repeal, it is imperative for the executive branch to ensure that the law […]

Trump may end ACA insurance requirement, Conway says

January 22nd, 2017 | By: Zachary Tracer The Trump administration may stop enforcing the Affordable Care Act requirement that most Americans carry health insurance even before Congress repeals the law, Kellyanne Conway, a top adviser to the new president, said in interviews broadcast on Sunday. Such a move would take the teeth out of the […]

Math geniuses size up 5 ACA change ideas

January 25th, 2017 | By: Allison Bell Some Affordable Care Act change proposals that sound good on paper might jack up claims, chase customers away, or cause other unexpected problems. In short, health insurance policy is complicated. Members of the Individual and Small Group Markets Committee, an arm of the Washington-based American Academy of Actuaries, make […]

10 Signs That a Salesperson Has Their Shi*t Together

January 19th 2017 | By: Adam Honig Have you ever wondered why some salespeople succeed no matter where they work, no matter what they sell, and no matter what obstacles are in their way? On the other hand, there are salespeople out there who can’t seem to get out of their own way even when […]

Manhattan Life $125 Marketing Allowance

Here’s how it works… When you write 4 or more issued policies during any calendar month from January 1, 2017 through December 31, 2017, you will receive a marketing allowance of $125 for each underwritten policy (“Qualifying Business”). Neither non-underwritten issued business, nor Guaranteed issue business that qualifies under the normal 63-day G.I. period, is […]

Big ‘I’ Addresses ACA in Letter to Congress

December 22nd, 2016 | By Wyatt Stewart Last week, the Big “I” partnered with the American Benefits Council and other business groups to send Congress a letter opposing several burdensome health care taxes. The letter urges Congress to repeal the Affordable Care Act’s (ACA) 40% “Cadillac” tax on health benefits. It also advises Congress not […]

Everest New Medicare Supplement

Medicare Agents, you’ll want to add this to your portfolio   Highest Commissions for MO Anniversary Business in Years! A+ rated Carrier with A.M. Best* 7% Household Discount** Offering Plans A, C, D, F, G, and N Agent Bonus Program Emphasizing E-App   EMAIL for Contracting, Rates and Company Info  or Contact Us Here 800-647-0724 For […]

A Conversation With … John C. Osborn

Published from the Springfield Business Journal A Conversation With… John C. Osborn Emily Letterman Features Editor Tell me about Osborn & Associates. What type of insurance do you focus on? We are a wholesale broker that caters to other independent insurance agents throughout the Midwest. We provide contracts to independent agencies for Medicare supplement, Medicare […]

Opinion: ACA implementation messy situation for insurance providers

Published from the Springfield Business Journal John Osborn Guest Columnist I have been a licensed agent specializing in health insurance for 12 years, and I will be the first to admit that both our health care delivery system and the insurance that covers its care has never been a smooth process. The processes are neither […]

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