insurance sales Archives

Wellcare OTC catalog 2024

By Ed Crowe | General Articles | 0 comment | 21 November, 2023 | 0

Wellcare OTC catalog 2024

If you are considering a Wellcare Medicare Advantage plan, you should take a look at the Wellcare OTC catalog 2024. In 2024, Wellcare is providing beneficiaries of participating plans have access to Wellcare Spendables dollars. Members of Wellcare plans can use this benefit purchase OTC items such as pain medication, vitamins or toothpaste. Use the healthy foods benefit to purchase fruits and vegetables or bottled water just to name a few choices.

Use one of the catalogs below to search for some of the options available. You will find more choices either online or in participating stores.

Wellcare OTC Healthy Foods 2024 – Click here to download

Download a copy of the Wellcare OTC 2024

When your Wellcare Spendables card arrives, you need to activate your benefit. Do this either online at member.wellcare.com or by calling 1-855-256-4620 (TTY 711) there is someone there to answer your call 24 hours a day 7 days a week. You can also access your benefit by downloading the Healthy Benefits+ mobile app for apple devices at the app store or for Google devices at googleplay.

Once you download the app, you can easily scan your card from your phone when you go to the checkout to purchase eligible items. Use the app to scan items and verify eligibility. You can also use your app to shop online and place your order as well as check your available balance.

Find a participating store such as; Walmart, CVS or Kroger with the app or by checking your online account.

This catalog has many great options for members

The Wellcare OTC catalog 2024 includes several sections dedicated to specific conditions including a section for diabetes supplies.

Daily living aids, such as blood pressure monitors, scales and thermometers are also included. There are also feminine health items as well as eye and ear care products.

Health Food benefits – Wellcare OTC catalog 2024

The store finder app can help members find more than 55 thousand retailers who participate with the Healthy benefits nearby.
There are many choices of different food categories to choose from such as meals & sides, protein drinks and even condiments.

A few more details

Online and in-store prices may vary from the prices listed in the catalog. If this happens, the store price will be applied at the checkout.

Sales tax is applied to all orders.

If the cost of your order is more than the balance on your card, you can use another payment method to make up the difference.

To replace a lost card; just visit member.wellcare.com or call 1-855-744-8550 (TTY 711) between the hours of 8am and 8pm local time 7 days a week from October through March, the hours to reach customer service are 8am until 8pm Monday – Friday from April through September.

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Medicare agents’ business plan

By Ed Crowe | General Articles | 0 comment | 8 November, 2023 | 0

Medicare agents’ business plan

If you are considering Medicare sales, you should take a look at the Medicare agents’ business plan for a few suggestions to help you get started.

Decide which market you want to focus on

Although anyone who is eligible for Medicare is a potential client, it is best to focus on a particular group to create an effective business plan when you are getting started. You should decide if you are going to concentrate your efforts on people turning 65 or perhaps you would rather focus on people who are already 65 and may have a SEP available to them.

Do you want to focus on selling a particular plan type, Medicare Supplement and Prescription Drug plans or Medicare Advantage plans? It is a good idea to be able to offer all plan types available. Because each client has different healthcare needs.

Do you plan to serve only people within a certain radius? Do you want to see people in-person or are you planning on strictly selling over the phone and online? If you plan to serve multiple sates, you will need to maintain the proper licensing for each state.

Set goals for yourself when making a business plan

Make sure you set some attainable goals for yourself. That way you will fell encouraged each time you reach a milestone. Make both long- and short-term goals; like enrolling 10 members each month or making 100 sales in a year and so on. Whatever your goals are, they provide something tangible to work towards.

Be prepared to spend some money to get yourself set up

Starting any business comes with a cost. You will need to have some money set aside to get yourself started. Some of the basic things you need are business cards, a decent computer and printer other office supplies.

If you plan to work outside your home, you will need to pay rent. You need licenses in any state you plan to sell in. Selling in multiple states will require multiple licenses. Some carriers charge appointment fees for out of state appointments. A website is a great tool to have but it comes with a small start-up cost. Agents must have E& O insurance in place before they can sell anything, and the list goes on.

Marketing & Leads

When you are setting up a business plan, decide how to reach your intended market. You need to find a lead source that works well for you. Be prepared to try more than one source before you find what works best for you. When looking for leads, agents sometimes need to be creative. There are many ways to get leads and they will not all work well for everyone. Each person has their own strengths and weaknesses.

Some examples of leads include mailers, online leads with the use of Facebook, a website or other service, live transfer leads or other tele sales leads. There are also educational or sales events and participation in community events just to name a few. It is always a good idea to have plenty of business cards to pass out or leave in areas where permissible.

Click here to view our YouTube video on Medicare marketing leads

Learn about our Medicare seminar program

Referrals are free leads

Get out in the public and meet as many people as you can. Build a network of local professionals you can send referrals to each other and help grow everyone’s business. It is ok to ask your clients for referrals. If you provide good service to them, they will be happy to tell their friends and family about your service.

If you do not make yourself visible to the public, they have no way of knowing about your business; so, get out there and meet people. Put business cards wherever you are allowed to and make friends with local pharmacists, doctors office staff and senior center managers.

Medicare agents’ business plan – Make sure people remember you

Because there are many Medicare agents out there., you have to set yourself apart from the competition. Visibility is key, we cannot stress this enough. Take the time to learn the products you are offering as well as the needs of each individual. Knowledgeable agents are a valuable asset to our communities and word does get around when people get good advice. Thousands of people turn 65 every day and they will need help choosing the proper healthcare coverage.

Do you want to offer other products as part of your business plan

If you are licensed to sell other products, you may want to consider cross-selling opportunities. You can offer additional products that are a good fit for your clients, such as life insurance, ancillary health products like dental, vision or LTC. It is natural for clients who trust your advice to request help with other insurance products.

Find a support system

It is a great idea work with a upline that provides the back-office support, training and tools you need to get you where you want to go,

Find out what Crowe and Associates has to offer – watch a quick YouTube Video

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Humana OTC catalog 2024

By Ed Crowe | General Articles | 7 comments | 19 October, 2023 | 0

Humana OTC catalog 2024

If you are a member of participating Humana Medicare Advantage plans you will have the added benefit of the Humana OTC catalog 2024. In 2024, CenterWell Pharmacy will provide members of participating plans OTC products.

If you want to verify that your plan provides an over-the-counter benefit, you should check your plans summary of benefits or call the customer service number on the back of your card. You can also call this number to check your Health and Wellness allowance.

Download a copy of the OTC catalog

There are a few different ways to place your order:

Order via mobile app. Just go to either the APP store for Apple devices or from Google play for Android devices. Once you are there, search for the CenterWell Pharmacy app and download it to your mobile phone. With the app, you an order products whenever you like as long as you have an available balance.
Place an order online. You will need to go to CenterWellPharmacy.com Once you are in, you can either create an account by following the prompts or log in to an existing account. You will then choose Over-The -Counter (OTC) items from the “Shop OTC & Supplies” drop down.
Mail your order in. If you choose this option, please allow for extra time. Be sure to submit your order by the 2oth of the month to avoid orders going toward the following months benefit. If you have a quarterly benefit amount, submit your order no later than the 20th of the last month of each quarter (March, June, September and December). Fill out the order form you find in the OTC catalog and mail it to: CenterWell Pharmacy, P.O. Box 1197, Cincinnati, OH 45201-1197.
Send your order via fax. Send your order form to: 800-379-7617.

Things to know before you order:

Be sure you know your plan’s allowance. Check the summary of benefits for your plan to find this information. If you have a plan with a rollover allowance, any unused balance carries over to the following month or quarter. Please note; all balances expire on December 31, 2024. If you do not have a plan that offers a rollover, you must use your benefits by the end of each month or quarter depending on your plan.
Orders that exceed the plan’s allowance will require payment by check , money order or credit card. Orders include sales applicable sales tax.
Orders that contain multiple items may arrive in more than one shipment.
If you have an OTC allowance or Healthy Options allowance, you must activate your prepaid card before making purchases from the catalog. Activate your card either by phone at 855-396-0691, 24 hours a day, Seven days a week or go to HealthyBenefitsPlus.com/Humana.

If you have questions about your OTC benefit; call 855-211-8370 (TTY:711). Customer care specialists at CenterWell pharmacy are available M-F from 8 AM until 11PM, and Saturday from 8 AM until 6:30PM EST.

Learn about Medicare Part D changes

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Become an Insurance Agent

By Ed Crowe | General Articles | 0 comment | 17 August, 2023 | 0

Five Reasons to Become an Insurance Agent

We get it: the insurance industry isn’t most people’s first choice. However, it is a diverse and fast-growing field that affects nearly everyone in the nation. Most people have insurance coverage in some form or another. Becoming an agent uses a variety of skills, and most agents earn nearly double the national average yearly salary. Here are five more reasons that become an insurance agent. It’s a solid career choice.

The abundance of opportunities

Not only does insurance touch nearly everyone’s life in the United States, but nearly 50% of the insurance industry workforce is estimated to be retiring in less than ten years. This will result in many more advancement or promotion opportunities than other industries have.

Ability to give back to community – become an insurance agent

If a job is only a paycheck, it just doesn’t feel the same. Having a job with a purpose and a paycheck is far more preferable. At its core, insurance is about protecting community members. It covers their healthcare needs and ensuring that their basic needs are met. When we all share risks, it helps protect all of us against tragedy.

Developing a broad skill set and using it

Yes, being good at sales is effective in the insurance industry. But that’s not all: an effective agent has high levels of communication skills and problem solving abilities. They need to be technology savvy, able to research and evaluate their own analytics. And they need to be organized enough to manage many accounts all at the same time. The industry is also constantly evolving, and people with cutting-edge skill sets in coding, digital marketing, and cybermedia are in high demand.

Job security – Become an insurance agent

During a recession, insurance has been shown to be far more stable than other fields. It is a centuries-old profession and it seems to be going nowhere fast. No matter what else is going on in the world, people will need healthcare and insurance policies can help them access it.

It’s east to get started

A college education is not required. A high school diploma or the equivalent is enough. Between choosing a specialty, studying for and taking the tests, and getting a license, the whole process of becoming an agent can take as little as a few weeks time.

Already Licensed?

Become an Insurance agent: Click here to see what Crowe and Associates has to offer

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Five Strategies for Getting and Keeping Clients

By Ed Crowe | General Articles | 0 comment | 7 May, 2023 | 0

Five Strategies for Getting and Keeping Clients

Agents need to learn how to effectively approach their potential clients in order to provide them with appropriate supplemental health insurance that will cover what is needed. Here are five strategies for getting and keeping clients.

Establish Rapport

This can truly be as simple as treating clients like the people and individuals that they are rather than as revenue. Empathy and confidence can go a long way here, as well as asking open-ended questions to get clients to open up to you in ways that may help you determine how to best help them.

Understand Motivations

There are nearly unlimited options for Medicare Supplemental Plans. With this in mind, it is crucial that an agent find out what is important to the client. Once the agent understands what procedures, services, and goods are likely to be needed, it will be much easier to recommend a supplemental plan that fits with the client’s lifestyle.

Educate Clients

It is vital that clients are informed about all of their options. Before they will buy a supplemental plan, they need to believe that they need what the agent is offering them, which requires the knowledge to evaluate their options. Part of educating clients is illustrating how the right levels of coverage will affect their lives moving forward. Many clients who come to purchase supplemental insurance will have little idea of how the system works, so it is very important that agents are knowledgeable enough to give them the information they need to make educated decisions.

Tell Relatable Stories – (key to getting and keeping clients)

Often, agents can be tempted to quote facts and figures as a way to convince clients to purchase supplemental coverage. However, it is often much more effective to tell personal stories. Anecdotes about how the right level of coverage has positively affected former customers or acquaintances can do much more for convincing than abstract numbers can.

Discuss Costs in a Positive Light

Although clients will have to pay to purchase the supplemental plans, agents can make this far more palatable. One of the ways to do this is to give examples of how the level of coverage they are paying for will positively affect their lives.

Five Strategies for Getting and Keeping Clients – Training Videos.

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What Do Healthcare Customers Want

By Ed Crowe | General Articles | 0 comment | 7 May, 2023 | 0

What Do Healthcare Customers Want?

Healthcare is an unusual industry because the patient, or beneficiary, is also the customer. What Do Healthcare Customers Want? Customers, by and large, have an ever-evolving list of things they look for in choosing which products they want to purchase. In order to help best determine which supplemental insurance plans are best for your clients, you need to know what is important to them. Here are the top five things that healthcare consumers are looking for now:

Convenience

Life is busy, and it’s only getting busier. People rely on convenience. Automated tasks and obligations are necessary. Healthcare is no exception. Additionally, some are available online. If a task is not convenient, it is often put off. And when healthcare decisions or services are put off, there are often disastrous consequences. Luckily, increasing technology is making healthcare more convenient to access even as our lives get busier. Some of the ways healthcare companies are making their services more accessible are the following:

Online scheduling
Telehealth appointments and remote appointments are less time consuming.
Automated prescription refills
X ray and other scan access from a cloud rather than in person
Online pharmacies that can deliver medications to the patient’s home address

What Do Healthcare Customers Want? – Transparency

Health insurance is hard to navigate for most. No one likes to feel like the wool is being pulled over their eyes. Today’s consumers want transparency from their healthcare. There is increasing demand for more clarity in billing. Many beneficiaries do not know what they will be charged up front in a doctor’s office or facility. It is also not only about costs – beneficiaries want their medical advice to be transparent, too. This can include the pros and cons of a particular procedure, prescription alternatives, and second opinions. Transparency on all levels is about building trust.

Good Bedside Manner

Overly authoritative, dismissive, or just plain rude doctors and facilities can no longer sneak under the radar in the age of the internet. Negative reviews can have real adverse effects on a business or practice. Patients have special insights into their own bodies. As a result, their own concerns and symptoms need to be listened to carefully and seriously and considered in the diagnosis and treatment process.

Access To Information

Beneficiaries want to know the answers to their questions and concerns – point blank. They expect information about their healthcare and supplemental plans to be readily available. Some ways insurance companies are beginning to provide online portals that allow beneficiaries access to their information from anywhere at any time. Consumers also want more accessible information regarding coverage. They need to understand any potential coverage gap in their supplemental plans. The Medicare world is over flooded. Provide access to solid information. Teach clients to discern accurate information from marketing schemes.

What Do Healthcare Customers Want? – Options For Care

Beneficiaries want to be included in their insurance company’s deliberation processes. Customer feedback is imperative. They prefer to make collaborative decisions about their care, not simply be told what is covered and what is not. Healthcare providers and companies who take these desires seriously are more likely to have happier, more loyal consumers for a longer period of time.