I can't speak for other states, but here in AZ, NAHU is populated with carrier reps, and the local chapter's elected officials are almost all carrier reps. I've been an on-again, off-again member for 30 years, and one major reason I sometimes go "off-again" is the huge majority of carrier reps involved in every detail.
News & Info Related To 2017 Open Enrollment
- Thread starter AllenChicago
- Start date
Before Obamacare, the local AAHU chapter meetings were probably 70% carrier reps. Most agents either dropped out or just quit coming to meetings.
Both applied to me.
Haven't been to an AAHU meeting in probably 20 years. Apparently it hasn't changed. Didn't seem like a good place to prospect if you were a carrier rep.
Kind of like being a heterosexual in a gay bar.
Not that there is anything wrong with that of course.
not that there's anything wrong with that - GIF on Imgur
Both applied to me.
Haven't been to an AAHU meeting in probably 20 years. Apparently it hasn't changed. Didn't seem like a good place to prospect if you were a carrier rep.
Kind of like being a heterosexual in a gay bar.
Not that there is anything wrong with that of course.
not that there's anything wrong with that - GIF on Imgur
- Thread starter
- #113
- 8,448
July 22, 2016
CMS is making a big deal out of the FFM Agent "Registration Completion and Termination List" placement and modifications for 2017.
Ref: https://www.regtap.info/uploads/library/AB_RCLslides_5CR_072216.pdf
This is akin to reshuffling the deck chairs while Obamacare sinks, just to keep busy in the final hours.
CMS is making a big deal out of the FFM Agent "Registration Completion and Termination List" placement and modifications for 2017.
Ref: https://www.regtap.info/uploads/library/AB_RCLslides_5CR_072216.pdf
This is akin to reshuffling the deck chairs while Obamacare sinks, just to keep busy in the final hours.
Since they said it 5 times, I'm reading into it that agents can never log in to a consumers HC.gov account, and MUST use a WBE.
How do you read it?
https://www.regtap.info/reg_librarye.php?i=1719
Q: Are agents and brokers permitted to use FFM online functionality that is designed for consumer use only such as the plan shopping and enrollment functions?
A: No. Agent/broker use of the consumer plan shopping and enrollment functions on the FFM is prohibited because agents and brokers may not assist consumers using consumers' online FFM accounts. These functions are designed for consumer use only, and only consumers may access those functions using their consumer accounts. CMS has previously provided guidance that documents how agents and brokers who are registered with the FFM may assist consumers with the FFM enrollment process via two options: (1) the Direct Enrollment pathway, through which the agent/broker can use an issuer's or WBE's website to assist a consumer; or (2) the Marketplace pathway, using a side by side model, through which the agent/broker can help a consumer using the Marketplace website. (See "Role of Agents, Brokers, and Web-brokers in Health Insurance Marketplaces," last revised Nov. 7, 2014, available at http://www.cms.gov/CCIIO/Programs-a.../May_1_2013_CCIIO_AB_-Guidance_110414_508.pdf.) This guidance was clear that agents and brokers are required to use their own FFM user IDs and accounts when assisting consumers to enroll in qualified health plans using the Direct Enrollment pathway. The guidance also explained that agents and brokers assisting consumers using the Marketplace pathway side by side model should not have independent access to consumer's FFM online user IDs, passwords and accounts. Agents and brokers therefore are not permitted to use direct URL access and/or any other pathways or methods of enrollment that would allow them access to consumer online accounts and consumer-specific functions. This is applicable during open enrollment and special enrollment periods.
How do you read it?
https://www.regtap.info/reg_librarye.php?i=1719
Q: Are agents and brokers permitted to use FFM online functionality that is designed for consumer use only such as the plan shopping and enrollment functions?
A: No. Agent/broker use of the consumer plan shopping and enrollment functions on the FFM is prohibited because agents and brokers may not assist consumers using consumers' online FFM accounts. These functions are designed for consumer use only, and only consumers may access those functions using their consumer accounts. CMS has previously provided guidance that documents how agents and brokers who are registered with the FFM may assist consumers with the FFM enrollment process via two options: (1) the Direct Enrollment pathway, through which the agent/broker can use an issuer's or WBE's website to assist a consumer; or (2) the Marketplace pathway, using a side by side model, through which the agent/broker can help a consumer using the Marketplace website. (See "Role of Agents, Brokers, and Web-brokers in Health Insurance Marketplaces," last revised Nov. 7, 2014, available at http://www.cms.gov/CCIIO/Programs-a.../May_1_2013_CCIIO_AB_-Guidance_110414_508.pdf.) This guidance was clear that agents and brokers are required to use their own FFM user IDs and accounts when assisting consumers to enroll in qualified health plans using the Direct Enrollment pathway. The guidance also explained that agents and brokers assisting consumers using the Marketplace pathway side by side model should not have independent access to consumer's FFM online user IDs, passwords and accounts. Agents and brokers therefore are not permitted to use direct URL access and/or any other pathways or methods of enrollment that would allow them access to consumer online accounts and consumer-specific functions. This is applicable during open enrollment and special enrollment periods.
- 508
Looks like they are restating it as there is language in other docs/training which is very specific that nobody but the consumer may have hc.gov log in info for a consumer nor access to the email account a consumer uses with their account.
I pay my membership for image purposes and do not go at any meeting. We just exchanged welcome and thank you mail-e-mail. The chapter I choosed (area where BCBS is located) said that for me is better another chapter, in opposite direction (both 15-20 mi from me). So I stille in the middle and just pretend to be somewhere. Someone from first chapter called me to silicide some business with me. Of course it didn't work from my site.
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First enrollment yet, I placed a large computer screen facing me and my clients. I am working after they allow me placing their password and id or I am working through my agent account. Samething when I am uploading their documents. They see everything I am doing, always, on all products I am offering. I dont guard any information.
One from my managers before was saying that I am "painfully honest". I agree and wonder how I am alive in this business and growing
Your Marketplace clients are not your clients. 
Medicare Advantage auto enroll may take away your supp clients.
https://www.washingtonpost.com/nati...d34dd0-533d-11e6-b7de-dfe509430c39_story.html
Medicare Advantage auto enroll may take away your supp clients.https://www.washingtonpost.com/nati...d34dd0-533d-11e6-b7de-dfe509430c39_story.html
Your Marketplace clients are not your clients.
https://www.washingtonpost.com/national/health-science/senior-surprise-getting-switched-with-little-warning-into-medicare-advantage/2016/07/26/0ed34dd0-533d-11e6-b7de-dfe509430c39_story.html
BCBSTX has been doing this since day 1. On and Off Ex. It happens 90 days out. (How they do it prior to Part B enrollment is beyond me).
I just let everyone know at the 6 month mark that it will happen, then when we do Part D, they are automatically dis-enrolled in the MAPD.
Some carriers will take a Medigap application 6 mo prior to A & B. Others 90 days out and some no more than 60 days ahead.
In most cases the Medicare number is the SSN plus suffix. I don't know if carriers that collect apps before Medicare card is issued submit the app to Medicare or not. They may hold it until the person applies to Medicare but that could fall between the cracks. If submitted to Mcare before they get their card I suppose they could notify Mcare if the number issued is different from the one on the app.
I seem to get a lot of people that put off buying a plan until the last minute and a bunch that are tire kicking a year in advance. Those are the most challenging. How often do you contact them? Too much and you pi$$ them off. Not enough and they forget about you.
In most cases the Medicare number is the SSN plus suffix. I don't know if carriers that collect apps before Medicare card is issued submit the app to Medicare or not. They may hold it until the person applies to Medicare but that could fall between the cracks. If submitted to Mcare before they get their card I suppose they could notify Mcare if the number issued is different from the one on the app.
I seem to get a lot of people that put off buying a plan until the last minute and a bunch that are tire kicking a year in advance. Those are the most challenging. How often do you contact them? Too much and you pi$$ them off. Not enough and they forget about you.
I refuse to write an app til the "Welcome to Medicare" letter (which has the claim number in the upper right hand corner) is in hand. Its the pesky 1% that have a Medicare number that isn't their SSN that cause 99% of the issues.
Assuming its a current client, here's my cycle:
Turns 65 next June. (All clients who turn 65 in the next calendar year OR 1st quarter of the next year have a discussion of the timeline during OEP)
Nov-OEP for U65. Told they will get their Medicare call the first Friday in January. We will schedule Medicare 101.
Nov-TY Card
Dec Christmas Card
January-Schedule/Complete Medicare 101. Assuming not taking Social Security, let them know we will schedule a Part B enrollment call on the first Friday in March.
March 1-schedule Part B Call.
March 15ish-enroll in Med Sup and Part D.
April TY Card
Virgin Client who calls at age 64? I try to get Medicare 101 done ASAP after the inital contact. Review the timeline and when they will hear from me again (which is the last Friday before they are 64.5. (DM/TM starts at 6 months. They hear back from me first)
180 Days..determine SS or Not
90 Days...enroll in Part B
60 Days...enroll in sup and D
If I can get the 30 minute call to do Medicare 101, I'm closing at 99%. (But to be fair, my clients are already teed up. "Just talk to Jenny. She'll take care of everything!")
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