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    Medicare Changes 2023

    Medicare Changes 2023

    By Ed Crowe | General Articles | 0 comment | 30 September, 2022 | 0

    Medicare Changes 2023

    The Medicare changes 2023 includes the 2023 benefits and major changes in Part B enrollment rules.   The standard benefit changes for 2023 Medicare A and B benefits are listed below.  This includes premiums, deductibles and copays.  In addition, there are some changes to part B enrollment time frames.  There are also some notable changes to the Medicare Part D model plan design which is detailed below.

    Rather learn about this information via a recorded webinar?  Review our webinars on YouTube

    Big changes to Medicare Part B enrollment

    The Beneficiary Enrollment Notification and Eligibility Simplification Act (BENES ACT) creates some major changes for Medicare Beneficiaries effective 1-1-2023.

    Changes to Part B enrollment

    • Those in the last 3 months of their Medicare Part B IEP will be able to get a part B effective date the month after they apply!
    • Those applying for Medicare Part B through the Medicare Part B General Election Period will have their Medicare B start the month after they apply.  They will no longer need to wait for a July 1 start date!
    • There will be a number of Medicare Part B SEP’s for those applying outside of their IEP or the Medicare GEP
      • Those that had an emergency or disaster during their Medicare B IEP or Medicare B GEP
      • An employer or health plan made an error or material misrepresentation of information as it relates to the members Medicare enrollment
      • Those formerly incarcerated
      • Those that lose Medicaid

    Medicare Agents!  Learn how to hold Medicare T-65 educational seminars to explain the important changes to Medicare prospects.  (Averaging 60 attendees per seminar)

    Medicare Changes 2023:  Part A of Medicare

    The Medicare Part A premium and deductible will be changing slightly for 2023.  Medicare Part A includes inpatient hospital, skilled nursing, hospice, inpatient rehab and some home health care services.

    • Inpatient hospital deductible (if admitted): Changing from $1,556 in 2022 to $1,600 in 2023
    • Co-insurance will be $400 per day from day 61 through 90  ($389 in 2022)
    Part A Co-insurance and deductible cost comparison for 2022 and 2023
    2022 2023
    Inpatient hospital deductible $1,556 $1,600
    Daily coinsurance for 61st-90th Day $389 $400
    Daily coinsurance for lifetime reserve days $778 $800
    Skilled Nursing Facility coinsurance $194.50 $200.00

    Medicare Part A monthly premiums

    Medicare enrollees age 65 and over with fewer than 40 coverage quarters and people with disabilities may voluntarily enroll in Medicare Part A at no monthly cost. Those with at least 30 quarters of coverage or were married to someone with at least 30 quarters of coverage may buy into Part A at a monthly premium.  The premium will be $278 a month starting in 2023.  This is $4.00 more a month than 2022. Individuals without other coverage and less than 30 quarters of coverage and individuals with disabilities without other coverage or have exhausted other entitlement will pay the full premium. The amount in 2023 will be $506 a month.  This is an increase of $7.00 a month compared to 2022.

    Medicare changes 2023: Part B of Medicare

    • Medicare Part B premium for 2023:  Monthly B premium will be $164.90 which is a reduction of $5.20 a month compared to 2022
    • Annual Medicare Part B deductible:  The deductible for 2023 will be $226 which is a reduction of $7.00 a month from 2022

    Medicare Changes 2023: IRMAA (Income Related Monthly Adjustment Amount)

    Those with higher incomes pay more for the monthly Medicare Part B premium.  Please keep in mind, IRMAA income is based on the income of the individual from 2 years prior to the current year.  It is adjusted every year going forward.

    Full Part B Coverage
    Beneficiaries who file individual tax returns with modified adjusted gross income: Beneficiaries who file joint tax returns with modified adjusted gross income: Income-Related Monthly Adjustment Amount Total Monthly

     Premium Amount

    Less than or equal to $97,000 Less than or equal to $194,000 $0.00 $164.90
    Greater than $97,000 and less than or equal to $123,000 Greater than $194,000 and less than or equal to $246,000 $65.90 $230.80
    Greater than $123,000 and less than or equal to $153,000 Greater than $246,000 and less than or equal to $306,000 $164.80 $329.70
    Greater than $153,000 and less than or equal to $183,000 Greater than $306,000 and less than or equal to $366,000 $263.70 $428.60
    Greater than $183,000 and less than $500,000 Greater than $366,000 and less than $750,000 $362.60 $527.50
    Greater than or equal to $500,000 Greater than or equal to $750,000 $395.60 $560.50

    Immunosuppressive Drug Coverage only

    Beginning in 2023, Medicare enrollees who are 36 months after kidney transplant and no longer eligible for Medicare , have the option to continue Part B to cover immunosuppressive drugs. There will be a premium of $97.10 to do so.  This program will coordinate with MSP for those eligible for the program.This is a limited Part B that will cover immunosuppressive drugs only.

    The 2023 Part B monthly premiums for higher earning beneficiaries with immunosuppressive drug only Part B coverage are listed in the table below:

    Part B Immunosuppressive Drug Coverage Only
    Beneficiaries who file individual tax returns with modified adjusted gross income: Beneficiaries who file joint tax returns with modified adjusted gross income: Income-Related Monthly Adjustment Amount Total Monthly

     Premium Amount

    Less than or equal to $97,000 Less than or equal to $194,000 $0.00 $97.10
    Greater than $97,000 and less than or equal to $123,000 Greater than $194,000 and less than or equal to $246,000 $64.70 $161.80
    Greater than $123,000 and less than or equal to $153,000 Greater than $246,000 and less than or equal to $306,000 $161.80 $258.90
    Greater than $153,000 and less than or equal to $183,000 Greater than $306,000 and less than or equal to $366,000 $258.90 $356.00
    Greater than $183,000 and less than $500,000 Greater than $366,000 and less than $750,000 $356.00 $453.10
    Greater than or equal to $500,000 Greater than or equal to $750,000 $388.40 $485.50

    Premiums for high-income beneficiaries with full Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:

    Full Part B Coverage
    Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses, with modified adjusted gross income: Income-Related Monthly Adjustment Amount Total Monthly Premium Amount
    Less than or equal to $97,000 $0.00 $164.90
    Greater than $97,000 and less than $403,000 $362.60 $527.50
    Greater than or equal to $403,000 $395.60 $560.50

    Medicare Changes 2023: Higher earning beneficiaries with immunosuppressive drug only Part B coverage that are married and lived with their spouse at any time during the year, but file a separate return.

    Part B Immunosuppressive Drug Coverage Only
    Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses, with modified adjusted gross income: Income-Related Monthly Adjustment Amount Total Monthly Premium Amount
    Less than or equal to $97,000 $0.00 $97.10
    Greater than $97,000 and less than $403,000 $356.00 $453.10
    Greater than or equal to $403,000 $388.40 $485.50
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    Call Recording Connecture Sunfire MyMedicarebot

    Call Recording Connecture Sunfire MyMedicarebot

    By Ed Crowe | General Articles | 0 comment | 22 September, 2022 | 0

    Call Recording Connecture Sunfire MyMedicarebot

    Connecture, Sunfire and MyMedicarebot are 3 different Medicare quote and enrollment platforms. Agents working with Crowe and Associates and PFS insurance have access to all at no cost. Agents can access all 3 through Connect4Medicare.com (You need a username and password to access the site).  Call or email our office if you do not have a username and password.

    WANT TO GO STRAIGHT TO THE CALL RECORDING VIDEO EXAMPLES FOR EACH SYSTEM?  SCROLL TO THE BOTTOM OF THIS BLOG POST

    All 3 systems work in a similar manner by letting agents quote and compare plans and enroll prospects without the need for a face to face meeting.  They will also have the ability to record calls compliant with the new CMS call recording rules.  READ ABOUT THE NEW MEDICARE CALL RECORDING RULES FOR AGENTS HERE  There are a number of features common to all 3 systems which are listed below.  The call recording features are further down the blog post.

    Common features for Connecture, Sunfire and MyMedicarebot

    • Basic CRM function that saves client contact information, applications, scope of appointment documents, drug lists, doctors lists and plan history
    • Create plan comparisons and email or text them to prospects and clients
    • Run drug and doctors lists against the plans to see what comes out best
    • The system is similar to the Medicare plan finder.  The differences are you can save all the info and you are the selling agent when using one of the 3 platforms
    • Record all phone calls to be compliant with the CMS call recording requirements.  (Saves recording for the 10 years required)
    • Enroll prospects over the phone via text or email (Connecture and Sunfire)  MyMedicareBot is voice signature for the scope and enrollment without the need for email or text
    • Access to PURL links that allows clients and prospects to quote and compare plans and ultimately enroll in a plan on their own.  (You will be the AOR if they do)  The PURL is specific to the agent and has the agents contact information.  It can be added to a website or sent as a link through email.  Learn about the PURL
    • Ability to see and compare all plans available in the area even if agent is not appointed with the company
    • Watch recorded webinar on Connecture, Sunfire and Medicarebot
    • You can submit your health risk assessment through Connecture & Sunfire
      • Connecture HRA carriers 2023 – Click here
      • Sunfire HRA Carriers 2023 – Click here

    Update: All platforms will provide call recording at no cost to the agent.  It was initially thought there would be an extra cost to for the recording feature through Connecture but PFS insurance has made the decision to cover the additional cost for agents

    Access MyMedicarebot, Connecture and Sunfire through Connect4Medicare site

    MyMedicarebot

    • MyMedicarebot is voice signature:  No need to email or text scopes or enrollment links
    • There is a downside due to the limited number of carriers available
    • Current carriers available:
      • Aetna – Quote/Enroll
      • Cigna – Quote/Enroll
      • Humana – Quote/Enroll
      • UnitedHealthcare – Quote/Enroll
      • Wellcare – Quote/Enroll
      • Anthem – Plans to be Quote only by 10/15!
      • Agents will be able to quote and compare all plans doing business in a given county but will only be able to send quotes and enroll the ones listed above

    Connecture

    • Connecture if making a number of improvements for 2023.  This includes the ability to enroll prospects into ancillary products such as dental, vision and hospital indemnity plans.  It will also have a feature to show drug savings programs for off formulary medications.
    • Connecture has a comprehensive number of carrier available for enrollment and the ability to see carriers that the agent is not contracted to sell
    • Click to see new Connecture Features for 2023

    Sunfire

    • Sunfire has a large number of upgrades for 2023 such as ability to pre fill the entire SOA, Access to plan history, MBI, drug help and dual status and a number of other features by giving agents access to the Marx system (limited version but still incredibly useful)
    • Ability to see all plan benefits and all extra benefits on the initial 3 plan comparison without the need to drill down on benefit details.
    • Very user friendly platform for agents and prospects
    • Ability to see agent ready to sell (RTS) with all carriers in all states

    Call Recording Connecture Sunfire MyMedicarebot:  Videos of call recording features using the links below

    CLICK FOR CONNECTURE RECORDING VIDEO 

    SUNFIRE RECORDING VIDEO 1

    SUNFIRE RECORDING VIDEO 2

    MyMedicarebot RECORDING VIDEO 

    Free Medicare lead and marketing program

    Crowe and Associates offer a Medicare lead program to agents!  $500 per agent per month toward any Medicare lead or marketing costs

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    CMS Call Recording Requirements

    CMS Call Recording Requirements

    By Ed Crowe | General Articles | 0 comment | 22 September, 2022 | 0

    CMS Call Recording Requirements

    CMS call recording requirements for insurance agents are a result of the CMS Final Rule set for October 1, 2022.  The rule expands the definition of who is a TPMO to include independent Medicare agents, agencies and brokers. The rules are applicable to MA/MAPD and Part D products.  Because CMS does not regulate Medicare supplement products, CMS does not include them in the new rule.  TPMO stands for Third Party Marketing Organization and now includes NMO’s, FMO’s, agencies, brokerage, independent agents and brokers.   This blog will provide an outline of the changes from the Final Rule and also how agents can be compliant with them for the 2023 AEP.

    The new rules

    The new rules are applicable to all TPMO’s.  The definition of a TPMO has been expanded to include both independent agents and agencies. Agents need to be compliant with the new rules by October 1, 2022.  Here are the main points to know:

    • Record all calls with Medicare beneficiaries in their entirety, including the enrollment call. The rule is including the entire “chain of enrollment” which requires agents to record inbound and outbound calls, enrollments calls and any calls leading up to the enrollment and post enrollment.  (If the call is going to lead to a Medicare Advantage or PDP or the attempt to make a sale)  The recording must be available for 10 years
    • The addition of a TPMO disclaimer on enrollment phone calls and any marketing materials;  the agent must state the TPMO disclaimer within the first minute of the enrollment/sales call.
    • TPMO disclaimer must also be displayed on all Medicare marketing materials (Not Medicare supplements) which includes emails, websites, newspaper ads, flyers, mailers or any other promotional advertising method
    • NOTE:  Call recording is NOT required when meeting for a face to face meeting.  There is also no recording requirement for educational events
    • Zoom Calls:  Some carriers are stating Zoom calls are a face to face meetings.  (CMS is stating Zoom calls are not face to face and recording is needed)

    CMS call recording requirements: The TPMO disclaimer

    Here is the disclaimer which must be used for sales calls and on all marketing materials as well as all marketing communications:

    “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.”

    Immediate steps for agents

    Take the following steps to be compliant with the new rule for October 1, 2022.

    • Add the TPMO disclaimer to your website
    • Have the TPMO disclaimer on all email communications
    • Easiest way is to add the disclaimer to your email signature line
    • Add TPMO disclaimer to all marketing materials including print and TV ads.
    • Use an enrollment platform that can record calls and keep them for the required 10 years  (We offer Connecture, Sunfire and MyMedicareBot at no cost)
    • If you do not have access to an enrollment platform, add a service to record all calls at the office or home.  Many companies offer the service at a surprisingly low cost ($25 to $45 a month).

    Connecture, Sunfire and MedicareBot offer call recording and 10 year recording storage at no cost to our agents! Learn about all three systems and watch 3 minute demonstration videos of the call solutions for each

    CMS Call Recording Requirements:  Other questions and rule enforcement

    Many agents are asking if they need to record all calls vs. recording only the enrollment calls.  The CMS rules make it clear; the expectation is to record all calls in the “chain of enrollment”.  This means you should record all calls leading up to the sale.  This includes the sale as well as post enrollment calls.  The unanswered question is;  how will CMS regulate it. It is reasonable to assume the carriers (They ensure compliance of CMS rules for TPMO’s) will only ask for the actual enrollment call when doing compliance checks.  Keep in mind; this is not guaranteed, so the way to be sure of 100% compliance is to record all calls.  There will likely be many agents that record the sales/enrollment call only.  Only time will tell if that is enough to stay in good standing with compliance checks.

    Learn about our T-65 Medicare seminar program!  Averaging 65+ prospects per seminar!  Our agents and agencies can run seminars throughout the year using this turnkey seminar program.

     

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    Molina First Look 2023

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    Humana First Look 2023

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    ConnectiCare First Look 2023

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    UHC Medicare First Look 2023

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    Allstate Medicare Supplemental Insurance

    Allstate Medicare Supplemental Insurance

    By Ed Crowe | General Articles | 0 comment | 5 August, 2022 | 0

    Allstate Medicare Supplemental Insurance

    Allstate Medicare Supplemental Insurance products are now available for agent contracting. The product is underwritten by National General.  The plans are available in all states except: CT, HI,MA, ME, NH, NY, RI, VT and WA.  The plans will have multi-discounts/stackable discounts in a number of states.  Stackable discounts can result is a savings of up to 25%.  They also have an online signature enrollment method and InstaDecision E-app and ID card.

    Allstate Medicare Supplemental Insurance: Multi-Discounts

    There are multiple discounts available in a number of state including:

    • Roommate HHD -7% :  Offered to those residing with someone 50+ years of age for 1+ year
    • Dual applicant discount -10% : When 2 people in the same residence apply for MedSupp at the same time. (7% roomate + 3% dual-applicant)
    • Annual pay discount – 10% : Select annual payment for a 10% discount on the premium
    • Activity-Tracker discount – 5% :  Register your Fitbit/Apple Watch or other wearable fitness device and save 5%

    Allstate Medicare Supplemental Insurance:  Rates

    The Allstate product can currently be quoted on our CSG quote site (No cost to our agents) or on Connecture or Sunfire (No cost to our agents).  The rates are coming in as the lowest cost Medicare Supplement in a number of states currently.  Watch recorded webinar on how to use quote site

    START CONTRACTING NOW!

    Agents and agency use our online contract to set up to offer Allstate Medicare Supplemental Insurance.  All contracts are full street level compensation to the agent from the carrier.  Agencies looking for above street level (agency level) contracts can contact us for details.

    CLICK HERE FOR AGENT AND AGENCY ONLINE CONTRACTING

    Programs and benefits offered by Crowe and Associates

    We offer agents a number of programs and benefits such as our lead and marketing program ($500 per agent per month), T-65 Medicare seminar program (averaging 70 prospects per seminar), access to Connecture, Sunfire and MyMedicareBot at no cost and a number of other benefits.

    CLICK HERE TO SEE ALL AGENT BENEFITS

    Aflac Medicare Supplement

    Aflac Medicare Supplement

    By Ed Crowe | General Articles | 0 comment | 4 August, 2022 | 0

    Aflac Medicare Supplement

    Agents now have the ability to offer Aflac Medicare Supplement plans (Starting in August of 2022).   Crowe and Associates has the ability to contracts agents to start selling!  The plans are approved in a number of states and filed in a number of others.  See the information below to see the available states.  Agents and agencies can use the online contracting link below to get contracting started.  All agents will be set up at full street level contracts.  If you are contracting for an agency, please contact us to inquire about the agency level contracting requirements.

    Aflac Medicare Supplement:  Approved states

    7-28-2022:  AL, AZ, GA, IA, MI, NV, OK, SC, WV,WY

    8-11-2022:  DE, TX

    8-25-2022: AR, SD

    Filed states not yet approved

    Pending approval:  NE, KS,IL, IN, OH, PA, MD, TN, NC, MS, LA, FL

    States product will not be available in:

    States not available:  WA, NY, ME, MA, CT, DC

    Aflac Med Supp state availability map-updated

    Aflac Medicare Supplement: Online agent and agency contracting

    CLICK HERE TO START CONTRACTING

    Agent and agency benefits offered by Crowe and Associates

    Crowe and Associates is a Medicare FMO working with agents and agencies in all 50 states.  We give agents and agencies access to a wide range of products but our specialty is Medicare sales and Medicare agency building.  We offer a number of programs and services such as access to contracts (street and agency level), lead programs, marketing co-op, lead programs, online enrollment tools and more.  CLICK HERE TO SEE ALL OUR PROGRAMS 

    Free Medicare lead and marketing program:  $500 per agent per month.  Click to see program details

    T-65 Medicare seminar program:  Averaging 70 T-65 prospects per seminar!  Agents utilizing our seminar program have the ability to run seminars all year.  The program is available in all 50 states.   Learn more about seminar program

    Access all of our recorded Medicare training webinars on Youtube!

    Aetna First Look 2023

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    Crowe & AssociatesCrowe & Associates

    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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