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Home 2021 (Page 2)
Connecticare OTC catalog 2021

Connecticare OTC catalog 2021

By Ed Crowe | General Articles | 0 comment | 8 February, 2021 | 0

Connecticare OTC catalog 2021

The Connecticare OTC catalog 2021 is a great tool for any member of a participating Connecticare Medicare Advantage plan.   To verify weather or not your plan offers the OTC benefit; either look through your plan materials or call 1-855-957-2056 (TTY:711).  Yo can go online connecticare.com/medicare  to check your plan benefits.

CLICK HERE FOR THE CONNECTICARE 2022 OTC CATALOG

The folowing plans offer a quarterly benefit amount:

  1.  Choice Part B Saver Plan allows members a quarterly OTC benefit amount of $75.
  2.  Flex 3 Plan provides a quarterly OTC benefit amount of $50.
  3.  Choice Dual BASIC-QMB Plan-  provides a quarterly OTC benefit amount of $50.

Anyone who is a member of one of these plans can use the following mail order form:

Connecticare OTC information – Click here

Any members of one of the plans listed above plans; order your OTC items either online at connecticare.com/mailOTC or over the phone: 1-877-239-2942.

Please note:   You will need your member ID when placing an order.  All items ordered will be mailed to the member.

Member of Choice Dual HUSKY Plan receive their OTC benefit amount of $50 monthly.

Any member of the Choice Dual Husky Plan will receive an OTC card to use in store on approved purchases.  The card may only be used in stores that are part of the participating network.  To view a complete list of participating pharmacies visit otcnetwork.com.

Some of the Connecticare OTC network pharmacies include: CVS, Duane Reade, Family Dollar, Rite Aid, Walgreens and Walmart.

Because OTC benefits expire at the end of each benefit period; either the end of the quarter or the end of the month it is Important to be sure and use them before it is too late. The unused balance does not rollover.

If you want help finding the best Medicare plan option for you;  contact us either by phone at (203)796-5403 or email at admin@croweandassociates.com.

Crowe and Associates

To find out if Medicare covers home healthcare costs; click here

Image by Amjad Siddiqui from Pixabay
EmblemHealth OTC catalog 2021

EmblemHealth OTC catalog 2021

By Ed Crowe | General Articles | 0 comment | 4 February, 2021 | 0

EmblemHealth OTC catalog 2021

If you are fortunate enough to be enrolled in one of the Medicare Advantage plan that is offered by EmblemHealth, you may like a copy of the EmblemHealth OTC catalog 2021.  Members who are unsure of their plan benefits;  can contact member services to verify their benefits.

THE INFORMATION ON THIS PAGE HAS BEEN UPDATED.   CLICK HERE TO VIEW THE NEW POST.

Take a look at the EmblemHealth 2021 OTC Catalog.

Do you need a catalog mailed to you; call Nations OTC at 877-239-2942.

Members of participating plans have 3 ways to order OTC items.

  1. Mail in your order; just fill out the order form and send your form to: NationsOTC, 8930 West State Road 84, Suite 187, Davie, FL 33324.
  2. Call the order in.  You can reach NationsOTC at 877-239-2942 (TTY: 711).  Member Experience Advisors are available from Mon- Fri, from 8 am until 8 pm.
  3. Order online at:  EmblemHealth.com/mailOTC .  Be sure to have the item number as well as your member ID with the number 1 on the end and your birthdate available.

If you are a member of the VIP Reserve HMO, you can only access the OTC benefit through mail order and will not receive a separate OTC card.  Please use your member ID on your order form. 

EmblemHealth OTC Order Form;  2021 Mail Orders.

2021 EmblemHealth 2021 OTC Catalog – click here.

You can also visit EmblemHealth.com/mailOTC to view a copy of the OTC catalog.

In the event that an item is unavailable, EmbleHealth reserves the right to substitute an item of equal or greater value.  There will be no additional cost for item substitutions.

Members who place an order over the OTC benefit limit will need to provide an additional payment method before their order can be processed.

Once your order is processed; it should take about 2-5 business days for you to receive it.  Orders are non returnable as the items are of a personal nature.

 If you either need help or have questions; just call Member Experience Advisors at 877-239-2942 (TTY: 711).

Does Medicare cover home healthcare; click here to learn more

What does the donut hole mean?

Image by PublicDomainPictures from Pixabay
How to sell Medicare plans over the phone

How to sell Medicare plans over the phone

By Ed Crowe | Medicare, Medicare compliance, phone and home Medicare sales | 0 comment | 8 January, 2021 | 0

How to sell Medicare plans over the phone

It is not difficult to learn how to sell Medicare plans over the phone.  We will provide the blueprint in the article below.   If you do not have experience in Medicare sales, there are some steps to take prior to starting.

You will need a health insurance license to sell Medicare plans

Click here to see the steps to get a health insurance license

Starters guide for Medicare Contracting

After you have an insurance license, there are steps to take for contracting and certifications.  Use the link for step by step instructions.   Medicare contracting and certifications guide

How to sell Medicare plans over the phone- The set up

There are a number of ways to sell Medicare plans over the phone.   The most obvious option is to get set up as a call center/telesales agency.  While this set up can ultimately work very well, there are some obstacles to doing it which are time and cost.  Call scripts will need approval by the carriers. All calls will need to be recorded as well. The other negative is the cost to start the call center.  Those with funding and time to invest should call us to discuss the call center option further at 203-796-5403 or email Edward@croweandassociates.com.    For most people we will suggest a different approach.

Selling by phone in conjunction with online enrollment

A quicker and less expensive way to start is selling over the phone and processing enrollment online. The online enrollment function is available at no cost through our online enrollment portal Connect4Medicare  (C4M)  C4M provides agents with their own approved enrollment website and consumer facing URL.  Agents and prospects can quote and compare plans, run drug comparisons, search doctors and enroll prospects online without a face to face meeting.  The agent can enroll the prospect or the prospect can self enroll through the link sent to them by the agent. You can text or email the enrollment links.  CLICK HERE TO LEARN MORE ABOUT CONNECT4MEDICARE   Under this set up, agents can talk to prospects over the phone and then email or text them the link to complete the enrollment.

How to sell Medicare plans over the phone: Generating lead volume

You will need to generate prospects to try to close so figuring out the method to use is important.  There are a number of ways to do this but we will focus on two of them here.

Telemarket leads:  There are companies that will generate leads by phone at a set price per lead.  The calls are recorded and the information is sent to the agent to close the sale.  We have worked with a vendor to offer one of the best prices for teleleads.  With call back leads at $10.00 and live transfers at $16.00 a large amount of volume can be generated at a low cost.  CLICK HERE TO LEARN MORE

Online leads:  Online leads are also a good way to generate prospect volume at a low cost.  You can get online leads for $8 to $15 each depending on the lead aggregator/lead company.  Shared and exclusive leads are available but we suggest using shared leads due to the high price point of exclusive leads.

CLICK HERE TO LEARN MORE ABOUT USING ONLINE LEADS

We offer a free lead program to help off set your lead costs- Learn more about the Crowe and Associates Free Medicare Lead Program

 

How to sell Medicare plans over the phone: Other important things to know

Having the correct set up for phone sales is important but organization is also key. As a result, it will be important to have a good CRM. Connect4Medicare is a basic CRM but we suggest having your own in order to stay organized.  It will be important to keep all prospects in your database, schedule return calls and keep notes on each call.   In addition, you need to have a scheduled routine every day.  How many leads will you work? What time will you be contacting new prospects vs. calling existing prospects you are working with?   Other things to consider are: How much money will you have in your daily lead budget?  Do you have access to all competitive plans in the area/states you are working?   Thought and preparation is needed in order to be successful when starting any type of phone sales.

WORK WITH ONE OF THE NATION’S TOP FMOs.  CLICK HERE TO GET STARTED.

To view more images by this artist; click here

 

 

2021 Medicare Updates

2021 Medicare updates

By Ed Crowe | Medicare compliance | 0 comment | 7 January, 2021 | 0

2021 Medicare updates

2021 Medicare updates will focus on changes that brokers should be familiar with.  In most years, CMS (Center for Medicare and Medicaid Services) makes updates and changes to marketing and sales rules and max allowable commissions .  One of the larger changes they put in place is the change to the scope of appointment rules.  In the past, an agent needed to document the scope of appointment form 48 hours prior to the sale.  That is no longer a requirement. SOA forms at the time of the appointment (prior to starting it however) are allowed.

Here are some changes that will impact all Medicare agents:

 Commission Increase:

Since 2009 max allowable commissions for Medicare advantage and Medicare part D plans have increased every year.  PA, CT, DE, CA, and NJ will continue to have higher max commissions than other states for 2021.Here is the commission breakdown for all states.  Click here for 2021 Medicare commissions full grid

Medicare Advantage PDP
Plan Year National Rate PA, CT, & DC CA & NJ National Rate
2021 $539 $270 $607 $304 $672 $336 $81 $41

2021 Medicare updates: Client referrals

CMS has changed the regulations that limited when an agent could solicit referrals and the types of gifts that can be given for those referrals. Keep in mind, the nominal value of the referral gifts still applies. (Limited to $15 retail value per referral)

Change to marketing event invitations

Invitations to any type of sales (Formal or informal) or educational event through any form of media must have a specific statement:  The statement is: “For accommodation of persons with special needs at meetings call <Phone Number and TTY number>.”

2021 Medicare updates: Educational events

Meals may now be offered at educational events.  The minimum value rule of $15 still applies however.  As a result, agents need to make sure the meal has a retail value of $15 or less.

Crowe and Associates gives agents access to compliance information via the Pinnacle Financial Services websites.  We also give agents access to a compliant online enrollment platform through Connect4Medicare and access to a Medicare lead program.

New to Medicare sales?

We offer a number of programs to help new agents get started.   Take a look at our sales contracting guide to help you get started.   CLICK TO ACCESS MEDICARE CONTRACTING AND SALES GUIDE

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all options.

Not affiliated with the U. S. government or federal Medicare program. This website is designed to provide general information on Insurance products, including Annuities. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that [Agency Name], its affiliated companies, and their representatives and employees do not give legal or tax advice. Encourage your clients to consult their tax advisor or attorney.

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Online Enrollment- Enroll prospects online without the need for a face to face appointment. Access to all major carriers with the ability to compare plan benefits and prescription drug costs. Link to recorded webinar https://attendee.gotowebinar.com/recording/2899290519088332033

All agents receive a personalized enrollment website. Prospects can use the site to compare plans, check doctors, run drug comparisons and enroll in plans. Agents are credited for all enrollments. Click Here

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