AEP is over, the holidays are over, it’s a new year, and it’s time to get back to work! There are many opportunities to continue to earn commissions in this “off-season.” You should already have these products in your portfolio – you need to know how/when to start selling them!
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The Open Enrollment Period (OEP) is right around the corner. It’s a great time for agents like yourself to do a temperature check with current clients. Are they happy with their current plan? Does their new plan cover their doctor? Are they using the benefits of their plans? There are certain things you cannot ask…
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There is so much buildup just getting to AEP season. Get your Medicare certification, carrier certifications, make sure you are Ready-to-Sell, attend carrier and FMO events, order supplies you need, and so much more. It’s months of training to even get to the start line. But now that AEP is well underway, what can you…
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We’re Here to Help You to Get Through the Rest of the AEP Season Over the course of the first half of the AEP season, we’ve learned a few things, specific to AEP 2023, we wanted to pass on to you to help you through the next few weeks. Below we’re sharing some hot topics…
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It’s AEP season. We know you’re working many hours, including nights and weekends, and you may be rushing to fit it all in. Take a few minutes to slow down and focus on the experience and service your client is getting. The goal of these appointments is not only to help them with their current…
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Gamechangers in the Insurance Market have so many great stories of how they do business and what has worked for them. But they do have a few things in common: education, growth, and leaning on other professionals for support. And that is exactly what this month’s Gamechanger is all about. Let us introduce you to…
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A Gamechanger to us is making strides in their business and their community. Showcasing these agents not only gives other agents ideas on how they can build their business but also recognizes these agents for their hard work in the field. So, this month we recognize one of our outstanding agents from Ohio. Let us…
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Client relationships are the lifeblood of Medicare agents. But how do you keep up with this and all your other tasks along the way? Providing excellent service to your clients is the foundation but also just the beginning. Learning to stay in front of your clients all year long will help keep your clients loyal…
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Gamechanger Interview with Dawn from Michigan! The UIG Gamechanger is making a comeback! Every month we will introduce you to a UIG-appointed agent who is making strides in their business and community. We hope to showcase these outstanding individuals and give other agents some ideas for their businesses. How long have you been an agent? …
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Nobody likes to be presented with surprise charges at the doctor’s office, right? As an agent, it’s your job to ensure your client understands these charges and how they may affect them. Educating your clients on how excess fees work will help prevent any surprises they may encounter when dealing with Medicare, Medicare Assignment, and…
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It’s the time of year again! Carrier certifications for AEP 2023 are starting this month! We’ve compiled a list here as we know it, and we’ll keep updating it for you, so check back again if you’re looking for a particular carrier! AHIP – June 20Medical Mutual of Ohio – June 27UnitedHealthcare – June 27Humana – June…
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People are retiring with less financial resources than they had ten years ago. This changes the current Medicare marketing landscape. Consider Medicare Dual eligible beneficiaries account for more than 20 percent of the Medicare population, leaving about 12.7 million Americans needing your knowledge, experience, and guidance. Let’s review some of the advantages of selling Dual…
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Can it be time again for AHIP? Absolutely. AHIP for 2023 will launch on June 20th (2022). Are you prepared for this exam? Are you familiar with AHIP? AHIP (America’s Health Insurance Plans) is an annual exam most insurance carriers require to sell Medicare Advantage products. Carriers require AHIP to assure agents are compliant with…
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Last month, CMS announced the 2023 Maximum Broker Commissions for Medicare Advantage and Medicare Part D. These new numbers show an increase from 2022 for the maximum commissions allowed. Look at the chart below to see what these numbers are. When looking at these numbers, please remember, that insurance providers are not required to pay…
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If you’re like us, when you read the title of this article, you may have thought back to the advertisement that asks the question, What’s in Your Wallet? But we’re talking about something that supports what’s in your wallet: Your Product Portfolio, which may determine what’s in your wallet after the selling season is over!…
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Beginning on January 1, 2022, the Social Security Administration has experienced problems with its phone system. This issue has resulted in beneficiaries not being able to enroll in Medicare Part and Part B in the timeframe required for enrollment. For those of your clients who turn 65 this year, they may qualify for a special…
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Cancer affects nearly everyone at some point in their lives. It could be themselves, or someone they are close to. Statistics from the American Cancer Society tell us that there are nearly 160k new cancer cases a month, in all age groups. This cancer risk increases for individuals who have a family history, a history…
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On November 12th, CMS put out a press release detailing the increases for 2022. Your clients will likely be asking you how this affects them, and how much more they will need to pay. Read below for the complete press release: Press Release from CMS WebsiteTuesday, November 12, 2021 Today, the Centers for Medicare &…
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Have you met Dan Rhen? Dan is part of the Broker sales team here at UIG and has been with us for just about 3 years. Dan was in retail sales for over 25 years, so he is well versed in the sales funnel and has some great insight for agents! He’s a great addition…
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Do you know Linda Isbell? Linda has been with UIG for almost 5 years, and has been an integral part of the growth the Brokerage department is now seeing! If you’ve met Linda, or even spoken to her on the phone, you know she’s got a great sense of humor! When we are in the…
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We have two agent incentive programs running right now you may qualify for as appointed agents! Priority Health Appointed Agents UIG would like to reward you for every 25 Priority Health apps you sell! Selling 25 Medicare Advantage or Medicare Supplement plans with Priority Health can earn you a $50 gift card from UIG! That’s…
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There are many reasons why an agent may want to switch their contracts to a different FMO. Reasons such as not being happy with their current FMO, being over-promised, higher commission payments, amongst other reasons. Unlike many other FMO’s, UIG has a direct approach to agents asking for a release: We’ll give it to them.…
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In today’s challenging environment when you cannot meet with clients face to face, UIG has an easy E-SOA process available for our agents, complete with electronic signature and document storage. Check out the training video below for all the details on how to access and use it. https://bit.ly/2zhvzkf
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Is your 65th birthday around the corner? Are you retiring in the next month or two? If so and you will need Medicare coverage, how are you going to enroll? In normal times, you could choose to visit your local Social Security office. Or, you might call Social Security at its main number ((800) 772-1213)…
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While you have downtime, and are spending more time in front of your computer at home, it’s easy to get distracted on what you should be doing. To stay focused, here’s a list of some things you can be working on: Electronic Enrollments – are you up to speed on how to do this? Utilize…
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The NAHU Medicare FMO Advisory Council worked closely with NAHU to develop this training for agents who have been asking for an alternative for years! The best part is by taking the training through NAHU you are supporting an organization that supports YOU the agent! Graham Smith UIG Vice President, Brokerage is a member of…
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Did open enrollment decisions leave unexpected gaps in your clients’ health coverage? If so, you could be leaving your clients at risk – and leaving money on the table. Now is a great time to touch base with your clients to see if you can provide an affordable way to complete their health care package with…
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Appealing Your Part B & Part D Premium The Office of Medicare Hearings and Appeals (OMHA) handles appeals of the Medicare program’s determination of a beneficiary’s Income Related Monthly Adjustment Amount (IRMAA), which determines a Medicare beneficiary’s total monthly Part B and Part D insurance premiums. The Social Security Administration (SSA) notifies a beneficiary of his…
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Being in business for more than 23 years, Chris Razmus, Independent Insurance Agent, has developed a deep passion for the Senior Insurance business. When Chris meets with a client, he figures out right away how he can actually save them money on their plans, while keeping or bettering the plan they already are enrolled with.…
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While there were a number of changes to the MCMG for 2020 the primary change for agents which I believe allows for more opportunity for enrollments is as follows: Section 50 – Outreach Activities Subsection 50.1 – Educational Events Delete “future” from fifth bullet – May set up a future marketing appointment, and distribute business…
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Graham Smith, VP of the UIG Brokerage Division will be hosting webinars to discuss first looks at the 2020 plan year products for national and regional/local Medicare Advantage carriers. Across the board the 2020 plans look great, he will be discussing service area expansion and highlighting noteworthy product features for 2020. For agents already appointed…
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UIG is proud to work with agents who do the right thing for their clients and enrolling them in Humana Medicare products was the right thing! UIG and our awesome Career Agents and Independent Brokers were recognized by Humana for having the fewest member complaints at the Humana 2020 Partner Summit. Thank you Sarah Elmer…
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CMS announced the new 2020 Fair Market Value (FMV) maximum agent/broker compensation amounts for all organizations with increases again for 2020. The FMV maximums listed below are the maximum allowable but insurance carriers are not required to pay the maximum FMV. In the coming weeks carriers will file their 2020 compensation with CMS and will…
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In honor or Insurance Careers Month we put together this short video highlighting our passion for the insurance industry, who we are, what we do and how long some of us have been in the industry. https://spark.adobe.com/video/3SZQayyFdP2f7
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I am happy to announce the addition of Dan Rhen to the UIG Brokerage team as a Brokerage Sales Specialist. With 25 years of sales and service experience I am excited to have him join the team to support UIG’s independent agents. A map Dan’s territory with the states he will be supporting can be…
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What is one of the advantages of working with UIG? We do the work for you! Last week CMS published the January 2019 Medicare Advantage enrollment numbers. We spent the week crunching the numbers and creating reports for our agents showing which carriers won and lost membership by state at the contract level (HMO/POS, PPO,…
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“The American healthcare system is very different today than it was thirteen years ago when the Medicare Advantage and Part D programs were launched in their current forms, but due to the slow pace of change in government, these programs have not been fully updated to reflect today’s realities,” said CMS Administrator Seema Verma. CMS’s…
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It’s the beginning of the year and we are all looking forward to a successful 2019. We at UIG spent a great deal of time last year listening to what our agents wanted from us and we developed some great training and tools based on what we heard. This three part webinar series was one…
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If you’re a Medicare agent, we’ve got a FREE OEP guide for you. We created it using the CMS Medicare Communications and Marketing Guidelines (MCMG). There are things you CAN do and things you CAN’T do during OEP and we’ve broken it down into an easy-to-read guide for you. Give us a call or send…
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As a #Medicare #Insurance #Agent, your focus is finding the right plan for each of your clients. Today, as we recognize #NationalSalespersonDay, we’re putting the focus on YOU. You’re knowledgeable about the myriad of products you represent and if by chance you don’t have the answer, you know who does. You bring value and dedication…
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CVS, Aetna win final state approval for their merger, expect deal to close in the next few days CVS Health and Aetna have received the final state approval they need to complete their roughly $69 billion merger and expect the deal to close “on or about” Nov. 28. The Department of Justice granted preliminary approval…
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We know you’re living and breathing AEP right now. You’re meeting with clients day and night, you’ve memorized carrier copays like the periodic table back in college. You got this, you’re past the halfway point, but you’ve got many miles to go before AEP winds down in December. Need to replenish your supplies? Need more…
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Veterans Day is a well-known American holiday, but there also are a few misconceptions about it – like how it’s spelled or whom exactly it celebrates. To clear up some of the confusion, read below for five important facts you should know. Excerpt from the U.S. Department of Defense Nov. 5, 2018 By Katie Lange 1.…
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Here’s the deal: (Actually, it’s two deals.) Sell eight LIfeSecure policies before Oct. 31 and earn an extra $950.* You read that correctly. If you’re an agent selling Medicare plans, you’ll be talking to clients during AEP a LOT. You’ll have their attention about their health care insurance. Why not talk to them about a…
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3 . . . 2 . . . 1 . . . You’ve contracted with all the carriers, completed all the trainings – yay, finally! – and now you’re ready for AEP, the most wonderful time of the year for insurance agents! (Cue the music.) Do you have the supplies you need? Have you looked…
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Ben Houck may be only 25 years old, but that hasn’t stopped him from cultivating a strong Medicare book of business. “I have a two-year-old and a two-month-old,” Ben said. “Many of my clients have grandchildren that age, so we have some common ground.” Ben got his start in the Medicare world when an opportunity…
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You asked, we listened! SilverScript is now available through UIG! UIG is excited to announce the addition of SilverScript, one of America’s largest stand-alone Medicare Part D insurers, to its portfolio of carriers effective immediately. SilverScript offers three different stand-alone prescription drug plans for 2019 to serve your clients. Key benefits include: Plans with no…
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It’s the Friday before marketing starts on Monday, October 1st for 2019 Medicare open enrollment and I am looking at enrollment kits, marketing materials, first look documents and a not insignificant pile of giveaways…
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There’s still time to register for the MDAHU Summit Thursday, Sept. 27. Go to www.mdahu.org, and make sure to attend Graham Smith’s “Marketing and Compliance” afternoon session. And visit our UIG booth and talk to Linda and Libby, our Broker Sales Agents, and register for a chance to win this Bourbon basket while you’re there.…
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Up for a challenge? Click on the video link below. Linda and Libby, UIG Broker Sales Agents, are really competitive when it comes to winning, just like you are. You want to “win” by choosing the best Medicare plans to sell during AEP. Think about selling HAP and let Linda and Libby tell you…
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