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UHC Jarvis login

Agents who are appointed to offer UHC/AARP Medicare plans can access many helpful tools in the UHC Jarvis portal.  In order to access the Jarvis portal, you must have a writing number and a UHC Jarvis login.

Do you want to add UHC to your appointments, click here to contact online with Crowe

Once you are in the portal, you can either sign in with your One Healthcare ID or register for a One Healthcare ID .  You can also login through the One Healthcare mobile app.

To learn more about the mobile app, click here.

When you get to the Home page, you will see a menu at the top of the page.  If you hover over the items, you will see a drop-down menu with several options for each category.

Sales Tools

In this section you have the following options:

Sales Materials with this tab, you can order or download applications or enrollment guides.

Medicare Medicaid Eligibility lookup.

Plan Search with this tab, you have the ability to look up available plans in an area once you enter a zip code.

LEAN is an online enrollment HUB.  LEAN includes a scope of appointment and voice signature options for applications.  There are also tools to lookup providers and medications.

Marketing Resources includes forms for events including new event request and cancellation forms.  There are also a marketing sales event checklists as well as sample verbiage.

Application Status

This tab is pretty self-explanatory.  Once you are in this screen, you can view a list of clients and see details of their application and enrollment.  This includes their member ID.

Commissions

Commissions Search this tab is useful for both agents and agencies. Run a report by agent and date.

Statements and More use this tab to download statements by date.

Commissions Calendar view the calendar and to see when commissions are set to be paid each month.

Direct Deposit access your direct deposit information and update it when necessary.

Assignment of Commissions this tab allows you to download an assignment of commissions form as well as view a FAQ sheet.

Release view instructions for releases.

1099 instructions to get a copy of your 1099.

Successor Agent this area is used for the transfer of both members and commission payments.

Book of Business

Use this tab to view a complete list of your clients.  Agents can apply filters to narrow down their search by area, status or name.

The final tab is Knowledge Center

Medicare Product Portal view the UHC product portfolio and search for available plans in a specific market area.

Training and Certifications form here you will access the Learning Lab where you can view product training and continuing education resources.

Agent Guide this area provides rules, policies and procedures for marketing UHC products.

Portfolio Overview view all the plan types UHC offers.

Selling Resources from here, you can access resources and product guides to find out what’s new and what benefits members can expect.

Enrollment Resources here you will access LEAN (The Landmark Electronic Application Navigator).  This tool makes enrollments quicker and easier. LEAN supports all Medicare Plans, including Medicare Supplement. Agents can use LEAN as a website on either desktop or laptop as well as mobile app for iOS and Android tablets.

Agent News View special election periods as well as several other announcements.

Member Experience in this tab you can view examples of common communications members receive from the plan based on the plan type.

Compliance Access resources for CMS sales and marketing compliance information.

Forms agents can easily find forms for events, scopes, PTC, commissions or other forms pertaining to specific plan types.

Click here to watch a quick YouTube video on the scope of appointment rules

FAQs learn how to find anything you need in Jarvis.

The top of the Home page shows enrollment statistics

View at a glance, how many applications are pending, how many have been approved in the last 60 days and how many active members you have.  There are links to view clients in each one of the categories.

There is a scrolling news feed with recent information as well as a plan finder and application status tool.  The center of the screen provides quick links to tools such as:

Medicare & Medicaid lookup

LEAN

UHC Agent Toolkit

Book of Business

Prescription Drug Lookup cost estimator

Pharmacy Finder

Dental Provider lookup

Medical Provider lookup (Rally)

Renew Active Fitness locator shows locations of clubs, classes and provides information for members to join a Fitbit community etc.

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Understanding Medicare Supplements: The Basics of Medigap

Medicare covers many health essentials for citizens sixty-five and older but it does not cover everything. Particularly for those with more complex medical histories (or futures), Original Medicare (Parts A and B) is often not enough as they move into their golden years of retirement. This is where understanding Medicare Supplements, or Medigap insurance policies come into play.

What is it?

Medigap is essentially extra insurance. Beneficiaries can buy extra insurance policies from private carriers to help pay their share of the out-of-pocket expenses that come with Original Medicare. Original Medicare is funded by the federal government.   The federal government also contracts with private carriers to ensure that their Medigap policies are safe, uniform, and sufficient. Beneficiaries must have Original Medicare in order to buy a Medigap policy. This means they must sign up for Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) to be eligible to purchase Medigap.

As previously mentioned, the insurance carriers that provide Medigap policies are contracted with the United States government. This means that the carriers must meet certain guidelines in order to keep their contract each year and continue to sell these policies. All Medigap policies are standardized, meaning that they all cover the same basic health benefits regardless of which company they were purchased from or which state the beneficiary lives in. There are ten different types of Medigap policy, and they are distinguished by letters (A, B, C, etc.). Price is the only difference between carriers’ plans of the same letter. This means that plans with the same letter offer the same coverage regardless of carrier. It is important to note, however, that in Massachusetts, Minnesota, and Wisconsin, the plans are standardized in a different way. Despite this, every Medigap policy must follow state and federal laws to protect their beneficiaries.

What does it cover?

The benefits of each Medigap plan differ (again, usually by letter, or tier), but they are all designed to do one thing: help cover the beneficiary’s share of costs from Medicare Parts A and B. This means Medigap policies can help cover co-payments, coinsurance, and deductibles. Some Medigap policies can cover services that Original Medicare doesn’t cover, like emergency medical care outside of the United States.

What’s not covered?

Medigap can’t cover everything that Medicare Parts A and B doesn’t. Some of the services that are not covered under Medigap policies are long-term care, vision or dental care, hearing aids, eyeglasses, and private nursing. Medigap plans that were sold after 2005 do not include prescription drug coverage, and beneficiaries can opt in to Medicare Part D for that kind of coverage.

Understanding Medicare Supplements – Agent Resources

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United Health Care Branded Plan N Medigap Connecticut

Crowe and Associates would like to help you answer any questions you have about United Health Care Branded Plan N Medigap Connecticut.  Both terms “Medicare Supplement” and “Medigap” are interchangeable as they refer to the same insurance coverage. People use both these terms as names for private insurance plans that you can use as secondary coverage after your Original Medicare plan.  You should note that Medigap plans do not included Part D drug coverage.  In fact,  AARP offers Medigap plans through United Healthcare.  Additionally, people who purchase this UHC plan currently enjoy a lower premium rate.  This is an advantage over the other companies who offer Medigap plans at a higher rate in the state of Connecticut.

Often times people choose to use the Plan N as a supplement option as an alternative insurance choice to a Plan F Medigap plan.   If you would like to learn more about this,  FOR MORE INFORMATION ON PLAN N CLICK HERE.

CLICK HERE FOR MORE INFORMATION

CLICK HERE FOR APPLICATION

In Addition, please feel free to contact us if you have any questions.  You can reach us either by phone at (203)796-5403 or by email at admin@croweandasssociates.com.

AARP Medicare Complete is a general name given to a number of different United Health Care Medicare Advantage plans with the AARP logo.   United Healthcare also offers a number of different Medicare Complete plans without the AARP logo.

United has an AARP Medicare Complete branded product in most states.  In some states they have multiple plans.  The AARP branded Medicare Complete plans come in three types: HMO, POS and PPO.  The plans all have the same basic copay structure and more or less operate in the same manner with the only real difference being that the POS and PPO plans have out of network coverage.

Do you have other questions or do you want to see more detail on these plans?  I have a number of blogs on this topic or you may contact the office for more information.

AARP has released the average rate changes for 2013 in the State of New York.   This includes rate increases for current and grandfathered plans such as Plan J supplement.  Rates have been maintained well by AARP/United Healthcare which has resulted in very low increases for some plans and no increases for others.   AARP Rates 2013 New York

Medicare Supplement plans are standardized in New York which means that there are no variations in benefits in a supplement regardless of the company offering it.  The only difference is the premium of the plan.  If a consumer is looking to purchase a plan F supplement, the only thing they need to be concerned with is the price.  The benefits are identical from company to company.

I would like to dispel some common misconceptions with Medicare supplement plans (Also called Medigap) Medicare supplement plans DO NOT have a network.  You may go to any doctor that accepts Medicare.   Medicare supplement do not have drug coverage, you need to purchase a part D plan in order to obtain drug coverage.   Medicare Supplements are secondary to Medicare.  When you go to the doctor or hospital, you show them your original Medicare card and that is what they will bill.  The supplement will pick up the costs that original Medicare does not cover.  There is not any Medical underwriting in the state of Connecticut if you are turning 65 or if you have had continuous coverage for a retirement plan, a different supplement or a Medicare Advantage plan.

Please feel free to call or email with any questions.

AARP has released the average rate changes for 2013 in the State of Connecticut. This includes rate increases for current and grandfathered plans such as Plan J supplement. Rates have been maintained well by AARP/United Healthcare which has resulted in very low increases for some plans and no increases for others. AARP Rate Change CT

Medicare Supplement plans are standardized in Connecticut which means that there are no variations in benefits in a supplement regardless of the company offering it. The only difference is the premium of the plan. If a consumer is looking to purchase a plan F supplement, the only thing they need to be concerned with is the price. The benefits are identical from company to company.

I would like to dispel some common misconceptions with Medicare supplement plans (Also called Medigap) Medicare supplement plans DO NOT have a network. You may go to any doctor that accepts Medicare. Medicare supplement do not have drug coverage, you need to purchase a part D plan in order to obtain drug coverage. Medicare Supplements are secondary to Medicare. When you go to the doctor or hospital, you show them your original Medicare card and that is what they will bill. The supplement will pick up the costs that original Medicare does not cover. There is not any Medical underwriting in the state of Connecticut if you are turning 65 or if you have had continuous coverage for a retirement plan, a different supplement or a Medicare Advantage plan.

Please feel free to call or email with any questions.

AARP has released the average rate changes for 2013 in the State of New York.   This includes rate increases for current and grandfathered plans such as Plan J supplement.  Rates have been maintained well by AARP/United Healthcare which has resulted in very low increases for some plans and no increases for others.   AARP Rates 2013 New York

Medicare Supplement plans are standardized in New York which means that there are no variations in benefits in a supplement regardless of the company offering it.  The only difference is the premium of the plan.  If a consumer is looking to purchase a plan F supplement, the only thing they need to be concerned with is the price.  The benefits are identical from company to company.

I would like to dispel some common misconceptions with Medicare supplement plans (Also called Medigap) Medicare supplement plans DO NOT have a network.  You may go to any doctor that accepts Medicare.   Medicare supplement do not have drug coverage, you need to purchase a part D plan in order to obtain drug coverage.   Medicare Supplements are secondary to Medicare.  When you go to the doctor or hospital, you show them your original Medicare card and that is what they will bill.  The supplement will pick up the costs that original Medicare does not cover.  There is not any Medical underwriting in the state of Connecticut if you are turning 65 or if you have had continuous coverage for a retirement plan, a different supplement or a Medicare Advantage plan.

Please feel free to call or email with any questions.

AARP Medicare Complete is a PPO Medicare Advantage plan offered by United Healthcare. (By the way, If you do not have a basic understanding of how Medicare Advantage plans work, please refer to our other blogs for a quick tutorial.) The plan is offered on a regional basis is Connecticut, Mass, RI and Vermont. It was a $0 monthly premium plan in 2011 but now has a $20 monthly premium for 2012.

Here is a basic summary of the strengths and weaknesses of the plan.                   (Looking for AARP Medicare Complete 2013 Info?  CLICK HERE)

Network- United has built up a strong network in Connecticut. The AARP Medicare complete network is second only to the network of Connecticare. Overall, they are very good with network.

In Network Benefits- The AARP Med Complete plan certainly had some benefit changes for the worse for 2012. The most notable changes are Hospital inpatient charge ($400 a day 1-4), Outpatient surgery and Major Radiology at 20% cost share. Copays went up slightly for a primary care doc ($20) and a specialist ($45). Many Advantage plan members, worry about about office copays but the concern should be with the Outpatient surgery and Major Radiology. At 20% cost share, there can be substantial out of pocket costs for the insured.

Out of Network Benefits-The out of network benefit feature is a plus due to the freedom it allows. The fact that the cost share is 30% to the insured is of a concern however. The combined in and out of pocket max for this plan is $10,000 which seems to be a bit excessive.

Overall- While this plan may not look as good as the Anthem PPO (click here for info on the Anthem PPO) on paper, it tends to run much more smoothly. We receive far more client plan and benefit issues from the Anthem PPO than we do with the AARP Medicare Complete PPO. Again, the benefits do not compare well with the Anthem PPO but the administration of the plan is far better on the United side.

If you have specific questions or need any additional information, please email Edward Crowe at Edward@CroweandAssociates.com or call at 203-796-5403

For a link to the Application, Benefit Summaries and Rates click the link below

Click here for Benefit Summaries, applications and rates

WANT TO LEARN MORE?  REGISTER FOR OUR “HOW TO CHOOSE A MEDICARE PLAN” WEBINAR:  CLICK HERE TO REGISTER

United Healthcare has made  changes to their current suite of AARP branded Medicare Complete plans for 2012. The majority of changes are to the basic co pay structure of the plan.  Some of the bigger changes are detailed below.

The AARP Medicare Complete RPPO $0 premium plan will no longer be $0 premium for 2012. The plan will now have a $20.00 monthly premium but will have the same platform as last year (PPO with in and out of network benefits). Office vist copay for 2012 are $20 per visit primary doctor and $45 per visit specialist. The Inpatient hospital copay has been changed to $400 a day for 4 days in 2012 vs. $320 a day for 5 days last year. The Rx benefit copays have increases slightly to $5.00 tier 1 generic, $8.00 tier 2 non-preferred generic, $45.00 tier 3 name brand and $95.00 for tier 4 non preferred name brand.  The biggest change is in the outpatient surgery benefit which is now a 20% cost share.

The plan still offers in and out of network coverage and maintains one of the larger Medicare Advantage plan networks in the northeast.  United HealthCare will also be offering their Non AARP branded Medicare Complete Plan 1 and Plan 2 HMO plans in most Northeastern states.   The Plan 2 option will still be $0 monthly premium.

More detailed information can be found by clicking on the links below

 AARP Medicare Complete Choice RPPO Summary of Benefits CT, MA, RI, VT

AARP Medicare Complete Choice RPPO CT MA RI VT Application 2012

AARP and United Medicare Complete plans comparison

United Medicare Complete Plan 1 and 2 Application CT