Talk About MAD

[jdeasy]

Thanks for the help( though I am still not sure it is ok to do this with no apoinments at all in the first place but I think it could be) and by the way I am MAD now just got a e-mail from cov. saying they are only going to pay the renewal for all apps unless the government CMS tells them they should pay more. Starting to wonder if this **** is even worth it for MA and PD. Been nothing but a nightmare aep.

That is not news on the pay. All carriers are to pay the renewal on all submissions. CMS will let them know in some future date if it's a first time and then they will pay the other half. We came into AEP with that knowledge.

That's one of the reasons this is my last AEP. Not the only reason though.

 

[midwestbroker]

Medicare and the immigration department have about the same enforcement rules.

Every now and then a very bad agent gets caught and makes about 30 seconds worth of news.

All the other agents breaking minor rules (not taking anyones life's savings) are still selling...

 

[retread]

You could then schedule an immediate appointment to discuss the PDP as long as you get an SOA signe before discussing it.

From that same update;

"Previous guidance: Agents must clearly identify and obtain agreement from prospects about the products they intend to discuss during an in-home appointment.

UPDATED GUIDANCE: Agents must clearly identify and obtain agreement from prospects about the products they intend to discuss during any personal or individual marketing appointment."

And;

"Previous goidance: The Scope of Appointment form cannot be signed at the beginning of the appointment.

UPDATED GUIDANCE: Forin-home appointments, every effort should be made to complete the SOA documentation in advance. If that is not possible, it MAY be signed immediately before the start of the in-home appointment. For "out-of-home" appointments, the agent can have the consumer agree to and sign the SOA form immediately before the meeting begins."


I agree with you guys that rules should not be changed in the middle of the game. But, these were needed changes to too cumbersome regulations. Even CMS could see that they went too far.

And, if we are going to be selling this stuff, it's our responsibility to be informed of these changes. Every company I represent sent me these changed regulations. How could an agent not be aware of them? The only MA comapny that I'm certified with is Humana. I don't know if they sent the changes out or not. Everybody else did.

I didn't certify with UHC for this AEP, yet, they still send me these MIPPA updates.

You are right on, JD... a licensed agent has the responsibility to keep informed. This info is available on the Medicare.gov site, and you can't hold the carrier or the FMO responsible for your failure to apprise yourself of the regs.

But yes... the carriers and the FMOs should be getting this info out to their subcontracted agents. Some are better at it than others.