Agent Blog

Medicare Advantage OTC, Flex Spending, and Healthy Grocery cards

This blog post will discuss the benefits that Medicare Advantage Plans offer in addition to the medical coverage. Medicare Advantage over the counter (OTC) card, Medicare Flex Spending card, and Medicare Healthy Grocery card are offered to eligible beneficiaries. The benefit package on each card changes every year and varies across Medicare carriers.   Medicare Read More

Medicare Seminar Selling Process

The seminar selling program works well when agents would like to present Medicare program and plans to the group that will turn 65 and become eligible for Medicare. The seminar vendor will drive all attendance and make reservations. The venue and the meal are provided by the agent. You can contact Essential Care and we Read More

Medicaid and Extra Help

The distinction between the Medicare Savings Program and Medicaid is explained in this blog post. It also explains the distinction between a Qualified Medicare Beneficiary (QMB) and a Qualified Medicare Beneficiary Plus (QMB +). We’ll go over how MAPD, PDP, and Medicare Supplement plans work with the programs. We’ll also go through the types of Read More

Medicare Agent Commission Rates 2022

The 2022 Medicare Advantage agent compensation information is available for three Medicare products: Medicare Advantage (MA and MAPD), Medicare Part D, and Medicare Supplement Plans. Centers for Medicare and Medicaid Services (CMS) sets maximum allowable commission an insurance agent can make. Not all Medicare carriers will pay the maximum allowable commission, but most do and Read More

Medicare Marketing Guidelines 2022

The Centers for Medicare and Medicaid Services releases updates to the current Medicare Communications and Marketing Guidelines (MCMG) via a memo. MCMG was renamed to Medicare Advantage and Medicare Part D Communication Requirements. Some of the important parts of the guidelines/requirements are highlighted in this article. Permission To Contact vs. Scope of Appointment – The Read More

2022 Medicare Benefits Updates

Each year Medicare premiums, deductibles and co-insurance amounts are reviewed and updated by the Centers for Medicare and Medicaid Services – CMS. On November 22, 2021 the CMS  released the 2022 Medicare benefit details. Medicare Part A covers hospital expenses:   Medicare Part B covers doctor visits, outpatient hospital services, certain home health services, durable Read More

AHIP (America’s Health Insurance Plans) Certification

Are Medicare Agents prepared to sell once their carrier contracts have been signed? Almost. Did the agent complete the AHIP certification yet? The government establishes the rules for selling Medicare Advantage plans, and AHIP training and certification are available to assist agents in doing things the right way and protecting senior citizens. Background Information In Read More

Medicare Client Meeting

As previously said, in order to reach Medicare clients, an agent must devote a significant amount of time and effort to marketing and lead generation. As a result, it’s critical that you realize how well prepared you need to be after a customer agrees to meet with you to discuss the possible Medicare plan options Read More