As Medicare agents, we have access to a lot of training. In person training with carriers and uplines, annual carrier certifications, AHIP and a number of other options. The majority of trainings have great content but tend to be generic in nature. They give us information on topics such as benefits, election periods, marketing rules and numerous other areas of Medicare. They usually do not get specific to the real scenarios we run into, however. The post below reviews the most common real life Medicare sales examples and how to handle them.
Note: The most important part of all the following scenarios is to ask questions to understand the prospects specific situation. Only when we understand the details about the person’s specific situation can we make solid recommendations. The reality is, many agents do not ask questions and just as many do not listen to the answers when they do ask. Listening to the prospects concerns can make the sale for you.
Are you new to Medicare sales? Watch this video for the basics on a Medicare sales appointment
The first of the real-life Medicare sales examples is the best one for agents. When someone turns 65 and new to Medicare, we know the full CMS max allowable commission will be paid and the case will not be pro-rated. A T-65 sale is really more of an education than a sale. The person turning 65 usually does not know all the rules with Original Medicare. They also may not be sure about the differences between a Supplement and Advantage plan. Here is how to handle a T-65 meeting.
After you have asked some basic questions to understand the situation you should explain Original Medicare to the prospect. The following points should be made:
When it comes to those still working past Medicare age, the agent needs to know the Part B rules for both valid waivers and enrollment.
Although some people may be working and getting coverage through work, it may still make sense for them to enroll in Medicare. The agent needs to look at the amount the employee is paying for coverage and the benefits they are getting. They can then compare that to the additional cost of adding Medicare Part B and the benefits they would get from an Advantage or Medicare supplement plan. The working member does not have to stay on the employer coverage if the math and benefits do not make sense.
Keep in mind someone working for an employer of less than 20 employees needs to sign up for Medicare Part B even if they are working and getting coverage through work. They will need to pay for Medicare B regardless so it often makes sense to move this person to a Medicare Advantage or supplement plan.
The 3rd real life Medicare sales example is working with dual prospects. Extra benefits have become a very important part of dual sales over the last few years. Dual members are looking for plans that will provide the highest dental, vision, OTC, Flex and grocery benefits. Other benefits such as utility cards have also become more important. Other members look for transportation benefits. The most important aspect for an agent is to ask questions and figure out which of those benefits are most valuable to potential members. Once that is determined, the agent can quickly quote and compare the various dual benefits on Connecture, Sunfire or MyMedicareBot to find the plan that best meets the clients needs.
Dual prospects often do not know the level of help they receive. A number of dual plans only accept clients receiving a certain level of help. Some plans accept full dual only while others will take full dual and/or QMB level. While both full and partial duals (QMB) receive help with medications and Medical copays, the QMB only dual does not receive extra benefits such as dental and vision. As a result, the extra benefits of a dual plan can be more appealing to a QMB only. Regardless, the agent needs to know the level of Medicaid the client currently has. Enrollment systems such as Sunfire give the agent access to a limited version of Marx which allows them to look up the status. Those without access to Sunfire can access the information through carrier platforms such as UHC Jarvis.
In the case when such systems cannot be accessed, agents can ask questions to help determine the level of coverage. Asking the prospects if they pay copays when they see doctors can eliminate lower levels of help such as SLMB or ALMB (States that have ALMB) and SPAP programs that only help with medications. If the prospects pays for medical copays but has limited medication copays and/or does not pay their Medicare part B premium, they likely are in a drug help only program. If they do not pay medical copays but you are not able to determine full dual vs. QMB, it may be wise to suggest a dual plan that accepts both populations.
In conclusion, the agent needs to identify the level of coverage, ask which extra benefits are most important to the prospects and then quickly find the plan that offers the richest of those specific benefits. Lastly, keeping the dual on the books can always be a challenge. As a result, it is important to stay in contact with dual populations and also encourage them to sign up for the federal do not call list. Dual eligible populations are at a much higher risk of unknowingly switching plans over the phone due to the high volume of Medicare type calls they receive. Being on the DNC can help reduce those calls.
As agents, we often run into clients that have a Medicare supplement plan. Often times they are familiar with Medicare Advantage plans and would like to try one but have never done it. The main fear they have is not being able to get back into the Medicare supplement if they do not like the advantage plan. Agents that understand the rules of an all time GI state, (NY, CT, MA, ME) and the Medicare Trial Right, can get more advantage sales.
It is much easier to have a Medicare supplement client try an advantage plan in one of the 4 all time GI states. Given that underwriting is never allowed on Medicare supplements in these states, the member is able to try an advantage plan without the risk of being locked out of a supplement in the future. As a result, the member can try the Medicare advantage plan and will always have the ability to change back to a supplement during the AEP or OEP if needed.
The Medicare Trial Right can be utilized in all time GI states and underwritten states when it comes to trying out an advantage plan. The trial right allows the Medicare supplement member to try an Advantage plan with the GI right to move back to a supplement if they decide the advantage plan is not for them. It is very important for the agent to fully understand Trial Right rules when utilizing this strategy. When a Trial Right is in place, the member has 12 months to move back to a supplement. During this time, they can make the move back on the first of any month during the 12-month period.
Trial Right number 1
The member enrolled in an advantage plan when they became eligible at the age of 65. If the member enrolled in Medicare at age 65 and their first plan was an advantage plan during their IEP, they have a 12-month Trial Right. The Trial Right is only for those that enrolled at age 65. There is no Trial Right for those that enrolled in Medicare after their turning 65 IEP.
Trial Right number 2
The second Trial Right is for those that have had nothing other than a Medicare supplement since they have been on Medicare A and B. (Regardless of their age when they enrolled in Medicare A and B) If that member decides to try a Medicare Advantage plan for the first time, they will have a 12 month Trial Right. This gives them the ability to try the Advantage plan for up to 12 months with the ability to move back to a Medicare supplement without underwriting during this time.
Agents will often talk to a prospect that is happy with their current plan. Sometimes the agent can ask questions to determine if they are truly happy with it. Maybe there are plans that would fit them better they don’t know about or they may just be resistant to change. If that is the situation, a good agent may be able to find a better option for them. However, sometimes they actually are on the plan that has the best benefits for them. When this happens, the agent will often move on to the next prospects without following up with the prospect again. Many potential sales are lost when this happens.
The reality is that Medicare supplement rates increase, and Medicare Advantage plans can have poor renewals. An Advantage plan that looked appealing one year may not look as good the next. This may be due to an increase in copays, lowering of extra benefits or a new plan coming to the market with notably better benefits.
Had the agent kept the prospects contact information and scheduled a follow up during AEP, they may be able to write the prospect a new plan. It is usually easier to follow up with such a prospect because a relationship has already been established. On the other hand, if a follow up does not happen, the opportunity is lost. It is important to schedule follow up AEP calls with past appointments or with clients that you did not sell to. This will help to build the sales pipeline and can be more time efficient than closing a prospect you have not established a relationship with.
The CMS Federal Register is where the Centers for Medicare and Medicaid services published all of the documents. This includes rules, proposed rules and notices. The proposed CMS rules are published in the document that allows comments for a certain period of time. In fact, there was a proposed rule added on 12/27/2022 that includes changes to the Medicare program contract for the year 2024. This includes new rules and regulations for both the Medicare Advantage and the Prescription drug benefit program. Changes to Medicare Cost plans and other rules that will become part of the Medicare Communications and Marketing Guidelines for 2024 are also included. CMS MCMG for 2024
The proposal on the register as of 12/27/2022 includes other changes. This includes changes in the provisions of the Affordable Care Act as well as programs of care for the elderly. There are changes to health information technology stndards and implementation. While the additional pending changes do not directly affect Medicare agents and how they can compliantly market, they will make changes to the experience of the Medicare beneficiary. Below are highlights of some of the more impactful changes.
The CMS Federal Register document would potentially have a major impact in the following areas:
The new proposal would address other areas as well:
A Medicare plan G high deductible plan (HDG) offers beneficiaries the comprehensive benefits of standard plan G at a much lower premium. The premise is simple. Like all supplemental (Medigap) plans, Medicare pays first. The balance is submitted to the Medigap plan for payment. The 2023 deductible amount is $2,700. Therefore, enrollees in a High deductible plan pay the first $2,700, after Medicare has made payment. Once the $2,700 deductible has been met, the (HDG) covers the balance. The Part B deductible applies toward the $2,700 deductible.
Both plans F and G have a high deductible option. Plan F is only available to individuals eligible for Medicare prior to 1/1/2020.
The average cost of HDG is around $40-$90 per month. Medigap Plan G High Deductible cost varies based on several factors and will vary from company to company. Some of the most common factors private carriers assess include your age, location, tobacco usage, and gender.
Plan is ideal for those who:
Agents can use our online link to request contracting with all the carriers they need. All contracts pay agents directly at full allowable CMS max commission. Because of this, the agent owns the cases they write (the book of business).
Medicare Plan G High Deductible include cost-sharing features. High deductible plans offer lower premiums while still receiving dependable coverage.
In fact, The high deductible Medicare Supplement insurance plan pays the same benefits as Plan G. AFTER you have paid the annual deductible of $2,700. Benefits from the Medicare Plan G High Deductible will not begin until out-of-pocket expenses are more than $2,700.
What’s is included with Medicare Plan G High Deductible?
|Services||Medicare Pays||After You Pay
Plan G Pays
|After You Pay
|HOSPITALIZATION*: Semi-private room and board, general nursing, and miscellaneous services and supplies|
|First 60 days||All but $1,600||$1,600
(Part A Deductible)
|61st through 90th day||All but $400 a day||$400 a day||$0|
|91st day and after:
— While using 60 Lifetime Reserve days
— Once Lifetime Reserve days are used:
Additional 365 days
|All but $800 a day of Medicare eligible expenses||$800 a day 100% of Medicare eligible expenses||$0$0***|
|Beyond the additional 365 days||$0||$0||All costs|
|SKILLED NURSING FACILITY CARE*: You must meet Medicare’s requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital|
|First 20 days||All approved amounts||$0||$0|
|21st through 100th day||All but $200 a day||Up to $200 a day||$0|
|101st day and after||$0||$0||All costs|
|First three pints||$0||Three pints||$0|
|HOSPICE CARE: You must meet Medicare’s requirements, including a doctor’s certification of terminal illness|
|All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care||Medicare copayment/coinsurance||$0|
|Services||Medicare Pays||After You Pay
|After You Pay
|MEDICAL EXPENSES—IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physicians’ services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment|
|First $226 of Medicare-approved amounts*||$0||$226
(Part B deductible)
|Remainder of Medicare-approved amounts||Generally 80%||Generally 20%||$0|
|PART B EXCESS CHARGES (above Medicare-approved amounts)|
|First three pints||$0||All costs||$0|
|Next $147 of Medicare-approved amounts*||$0||$147
(Part B deductible)
|Remainder of Medicare-approved amounts||80%||20%||$0|
|CLINICAL LABORATORY SERVICES—TESTS FOR DIAGONOSTIC SERVICES|
Selling Medicare Advantage over the phone is becoming the most common approach with agents. While there certainly are many agents selling face to face, phone sales has grown in popularity. The business was trending this way but has been accelerated by COVID.
Read below to learn how to start making sales without face to face meetings.
Looking to get contracted with Medicare carriers? Use our online contracting link to get started
There are some basics people need to understand when selling Medicare Advantage over the phone. For those that have already been selling Medicare on a face to face basis, phone sales can be a big adjustment. In part, this is due to the difference in closing ratio between face to face and phone. To a degree, it can be easier to get started with phone sales for those that have not sold face to face in the past. The challenge for the new agent, not familiar with Medicare is learning the benefits and rules. (of which there are many)
Selling by phone has some major advantages. A phone sales agent is able to solicit and work more leads than a face to face agent. They are not spending time on the road or engaging in long conversations in the office. As a result, they can talk to many more people in a given day. The drawback is the closing ratio will be much lower by phone than it will be face to face. An agent selling face to face may close 80% or higher. The best case scenario for a phone sales agent is 20% but even that would be on the highest end of the scale. In other words, a phone agent must be able to accept failure much more often. The benefit is they can speak to far more people in a day.
Leads are essential with phone sales. Without lead volume, the agent is going to be sitting around a lot and not making money. There are certain types of leads that work best when selling Medicare advantage over the phone. The lead types most commonly used with phone sales are:
Other lead types such as mailers can be used for phone sales but are not as efficient. Make note, there are subtle differences between the call leads but the process to work them is the same. Online leads of any type are a different set up and approach given the nature of them.
When working any of type of leads for phone sales, it is critical to track results. Many agents focus on the cost per lead (CPL) vs. the cost per acquisition (CPA). Some agents may shy away from certain leads due to the price. At the end of the day, what really matters is how many of them you close for the cost. If I am getting call back leads at $12 each but I only close 1 out of 20 vs. a $40 lead and you close 5 out of 20, the CPA comes out better on the $40 lead. Tracking all results is the only way you can determine which lead type is giving you the best CPA.
The set up is different for phone vs. online lead sales. We will focus on the phone set up and what agents need to do in order to start taking in leads and working them effectively. The basic steps are listed below:
Agents need to be able to quickly quote and compare plans when talking with prospects. They need to be able to see all available plans in a given area side by side and be able to see the benefits of each. It is important to see benefits amounts for things like dental, vision, OTC, grocery and Flex cards. Sunfire, MyMedicarebot or Connecture are the 3 most common platforms agents work with. CSG also offers the ability to quote and compare but the system does not have the ability to check medications, save profiles or enroll prospects. Many agents still us the Medicare.gov plan finder. The system works but profiles can only be saved if the client creates one. More importantly, if the member self enrolls the agent does not get listed as the AOR on the case.
Being able to enroll the members is obviously important. Medicare enrollments can be completed by voice signature or sending an enrollment link by text or email. Luckily, the quoting and comparison platforms also have an enrollment function
The 3 most commonly used systems to address this are Sunfire, Connecture and MyMedicarebot. Crowe and Associates gives agents access to all 3 platforms at no cost to the agent.
It is common for someone to focus on the idea of a set call script. In reality, there is not one script for calling all lead types. The script will vary slightly depending on the type of lead being called. (call back, warm transfer, live transfer, online) The overall concept is the same for all of them however. There are some basic skills that any good call agent will have. Watch the video below and and access the blog for more details on the script.
This question comes up very often. A CRM is needed to track progress, call back prospects and also help automate other functions such as emails and social media posts. The 3 enrollment systems in Connect4Medicare all have basic CRM functions that will save client data and allow to schedule call backs. Many agents run successful practices using the basic functions of the built in CRM’s. For those looking for a CRM with more functionality, there are a number of systems out there but they will come at a cost. We have experience with a number of them. Most notably they are Blitz, Radius Bob, Less annoying CRM and Go High Level. There certainly are many more however.
We give agents $500 a month toward lead and marketing costs. Click the link to learn more
Learn how to compare Medicare Advantage plans through online software at no cost. There are multiple platforms that provide this service. The 3 main agent sites are Connecture, Sunfire and MyMedicarebot. Crowe and associates offers all 3 including recording capability to agents at no cost. Medicare Plan Finder can also be used to quote and compare plans. Please note; agents do not receive credit for enrollments done through this site. Agents are also unable to save each client profile on their own, that makes this not an ideal way to enroll clients.
Crowe and Associates gives agents access to Connect4Medicare. (C4M) C4M provides access to the 3 main enrollment portals agents use in the Medicare space. Connecture, Sunfire and MyMedicarebot all work in a similar manner. All 3 have the ability to save client profiles including prescription and doctors lists. Agents can save the profile for each client and access the specific Medication lists for future reference. The systems will create compliant plan comparisons and the ability to enroll prospects over the phone. Agents are able to fill out the entire application for prospects and send them the enrollment link via email, text or voice enroll.
It is important for Medicare agents to know how to compare Medicare Advantage plans quickly. When speaking with clients, agents will need to be able to see specific benefits. Knowing the difference in copays and other cost shares is important. Given the current state of Medicare eligible people today, there is a increased focus on other benefits. Benefits such as dental, vision, OTC, grocery cards and flex cards. A detailed quote system will show the difference in these extra benefits.
Agents that know how to compare Medicare plans through these systems have the ability to quote all plans. They can quote plans they are certified to sell and also plans they are not contracted. The question always comes up as to which system is the best at showing benefit details in the comparisons. While all 3 systems are easy to use, Sunfire provides the most detailed comparisons the quickest. This is especially the case with the extra benefits such as dental, vision, OTC, grocery and flex benefits.
Looking to get contracted? Agents can use our online link to request contracting with all the carriers they need. All contracts are set up to pay agents directly at full allowable CMS max commission. Because of this, the agent owns the cases they write (the book of business).
If you are either a producer who offers MA plans or a member of a participating Wellcare MA plan, you should take a look at the Wellcare OTC 2023.
1. Find approved items in your OTC catalog. Keep in mind, your plan will only cover items listed in the catalog.
2. Go to either an OTCHS enabled CVS pharmacy, CVS Pharmacy y mas or a Navarro store. Important; not all CVS store participate in this benefit program. To find a participating store either go to https://www.cvs.com/otchs/wellcare/storelocator or call 1-866-819-2516 (TTY 711).
3. Locate the OTC indicator on the top right of the shelf label and check the SKU number to be sure the item is eligible for the OTC benefit. Some locations may have a OTCHS dedicated location. Be sure to check your catalog to verify item eligibility.
4. Take your items to any sales register to complete your purchase.
If the item you are looking for is not available, just contact OTCHS or visit the website to process your order.
Please note; the store’s regular retail price may vary. To obtain the OTC item prices, please refer to your catalog. CVS ExtraBucks cannot be combined with your OTC benefit or other promotional offers.
This is the quickest and easiest way to order your OTC items 24/7. Please note; Online orders submitted by 11:59 pm ET will be processed the same day.
1. Go to https://www.cvs.com/otchs/wellcare. You need to create an account before your first order. Just click the create account button and follow the instructions.
Important; each member must have a separate email address. If a member shares an email address with spouse or caregiver who also has an OTC account, they will only be able to register one account.
2. Once you sign in, you can see your benefit balance at the top of the page. You can then view available products and add them to your basket. The order total is automatically deducted from your balance at the top of the page.
3. You will receive email notifications on your order status.
4. Orders for each benefit period must be placed by 11:59 PM ET of the last day of the benefit period. Orders can be cancelled within 30 minutes of processing.
1. Place your order over the phone; just call 1-866-819-2516. Live agents are available Monday – Friday, 9:00 am until 8:00 pm local time.
2. Please have your ID and order ready before calling the agent.
3. You can use Wellcare’s automated IVR system 24/7 to either place an order, track an order, cancel an order, hear benefit information or order a catalog.
How to place an order by phone (IVR system): Call OTC Health Solutions (OTCHS) using the phone number on file. Your health care provider will provide the OTCHS your phone number. If you want to change or add a number through the IVR system, you can provide the alternate number to the OTCHS agent.
Due to the personal nature of the OTC products, no returns or exchanges are allowed. If you have either not received your order or received defective or damaged items, please call OTC Health Solutions 1-866-819-2516 within 30 days of placing your order.
If an item is out of stock, you will receive an item of either similar or greater value as a substitution.
Anyone who is a member of an Anthem Medicare Advantage plan with the OTC benefit, will need to access the Anthem OTC 2023 benefit information.
New members of Anthem will receive their ID card and welcome guide 2 weeks after their plan is approved. The prepaid benefit card as well as the OTC catalog should arrive the following week.
Why do I need 2 cards:
When you receive the Nations Benefits Mastercard, it is inactive. There is a sticker on the card with activation instructions for the card. You can either call 1-866-413-2582 or go online MyBenefits.NAtionsBenefits.com/Activate to activate your card.
1. The OTC benefit allowance is loaded onto your card the first day of every quarter
2. Use the Benefits card to purchase eligible items from any of these categories: OTC, Assistive devices, healthy groceries as well as flex benefits.
3. You may shop for OTC products once your plan is effective.
4. Unused balances carry over to the next benefit period but all benefits must be used by midnight on 12/31/23 or they will be lost.
5. Members can purchase store branded products from any of the categories in the store shopping guide section of the OTC catalog.
6. You can also check product eligibility by using the MyBenefits Portal app to scan the product’s UC code.
7. Once you are checking out of the store, you can choose either credit or debit and then swipe your card to purchase. You do not need a PIN.
Purchase items in store at a participating, local retailer. Some examples are: Walmart, Giant Eagle, CVS, Rite Aid, Schnucks, Kroger & Albertsons. To search for more participating stores; go to MyBenefits.NationsBenefits.com and search for retailers. You will find the categories to choose store branded products from in the OTC catalog. You can also use the MyBenefits portal app to scan the UPS codes on eligible products.
Members can either Shop for products online at MyBenefits.NationsBenefits.com or by downloading the MyBenefits Portal app from the App store or Google Play. You will receive products in your home with no delivery fee.
Place an order over the phone and get free delivery. Just call; 1-866-413-2582 (TTY 711). This service is available 24 hours a day, 7 days a week.
Looking for the best FMO for Medicare agents? Crowe and Associates offers agents and agencies access to a enrollment platforms, lead money, training and support. Agents can access a number of Medicare carriers in all 50 states. In addition, Crowe provides access to other lines of business such as life, final expense, annuities, LTC, health and indemnity products. Read below for information on a number of the benefits we offer to insurance agents.
Crowe and Associates started as a one agent without a single Medicare client. As a result, we know personally what it takes to build a Medicare book of business and then to build an agency. We share this experience with our agents. Wether they want to build up a profitable book of business or start to recruit and grow and agency, we have the blueprint to help them do it. Our agent programs were designed based on real experience of what agents need to be successful. We are an independently run office in Connecticut which is backed by Pinnacle Financial Services to provide agents with support in a number of areas.
Our Turning 65 educational Medicare seminar program averages over 50+ prospects per seminar. Agents can focus their time on presenting and writing business instead of worrying about generating attendance. We work with agents on the best practices for their educational seminar from start to finish. Sample presentations are available along with hands on guidance and training. Best practices such as where to hold the event, when to serve the meals, ideal presentation time, follow up and all other aspects are covered. Crowe offers 50% toward the cost of the first seminar and $500 toward all future seminars. Agents and agencies utilizing our seminars write 20+ new policies per seminar when they follow our guidance.
Every agent with Crowe and Associates has access to $500 per month toward Medicare marketing and lead costs. The program is simple. The agent simply sends our their monthly lead or marketing receipt and we reimburse them up to $500 a month toward the cost. There are no minimums to start and commissions are not reduced in any way.( All agents with Crowe are paid directly by the carrier and recieve CMS Max allowable commission) Agents can utilize the program as long as they want. We have agents that have been using the program on a monthly basis for 6 years. Agencies can offer the program as a method to recruit agents into their hierarchy.
Connect4Medicare gives agents access to 3 online quote, comparison and enrollment platforms. Agents can access Connecture, Sunfire and MyMedicarebot at no cost to them. All 3 systems will quote and compare Medicare advantage, Supplement, PDP plans and other health benefits such as dental, vision and hospital indemnity. The system save client information, prescription and doctors lists. All 3 offer online enrollment without the need for a face to face appointment.
Crowe strives to be the best FMO for Medicare agents by offering support for a number of online and search functions. Agents can have a free website (Agent owns the URL) that is created specific to them with a CMS compliant quote and enrollment platform built in. The site is provided at no cost to the agent. We also offer guidance and support with SEO and online advertising through platforms such as Facebook, Google Ads, YouTube and linkedin.
Full agent support is provided by both our CT and PA locations. Agents have access to a full time support team along with a contracting team and a dedicated contracting point person to help them coordinate all efforts. We provide training for day to day sales up to helping call centers get approved as offical call centers with each carrier. If you prefer to watch training videos online, we hold multiple weekly training webnars from both CT and PA. Our favorite training is helping agents build agencies and helping current agencies recruit and increase revenue. We use online contracting so agents and sub agents only need to fill out contracting one time. As a result, additional carriers can be requested at any time simply by email us.
Crowe YouTube recorded training webinars (Live webinars held on Wednesdays and Thursdays at 1:00 pm EST)
Pinnacle YouTube recorded training webinars (Live webinars held multiple times per week)
Crowe online contracting: Fill out the online link to request contracting with the carriers you want
Sales Dialer Discount If you are like many Medicare agents, you are
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