Thursday, September 3, 2009

Career Advantage Weekly 9/3/09

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September 3, 2009

 

In this issue:

 

Join Our First 2010 Medicare Advantage Call!

 

Find Out What Traditional Business Pending Codes Mean

 

Have a Pending HMO Application? Find Out Why.

 

It Makes "Cents" To Sell Final Expense

Online Certification Now Available!

2010 MA and PDP Training & Certification Program

Click here to read more!


 

MARK YOUR CALENDARS!

 

 

Don't forget to mark your calendar for Friday, September 11th at 11:00 a.m. Eastern Time, because that is the date of our first 2010 Medicare Advantage conference call of the season! Be sure to dial in a few minutes early so we can start on time. We have a lot of great things to discuss for the 2010 selling season and are very excited to share them with you. See below for the conference call details.

 

Date: Friday, September 11, 2009

Time: 11:00 a.m. EST

Dial-in Number: 866-900-3545

Conference ID #: 23478536

Expected Duration: 1 hour


Use This Checklist Before Submitting Traditional Applications

 

Incomplete application paperwork often results in underwriting delays. To ensure timely processing and faster commission payments, we strongly encourage you to make it a habit to complete this very handy checklist (click to download)  before submitting your traditional insurance business. By doing so, you will help ensure smoother sailing through the underwriting process and fewer costly delays.  The checklist is attached for your needs and is also available on the agent website for convenient download at any time.  In addition, the reasons why an application may be pended is listed in this article for your convenience.

Finally, remember that applications completed correctly upon submission contribute towards our company goal of 80% of applications jet issued each week.  This means that the client's policy may be underwritten the next day, and as a direct result commissions can be processed timely.  We look forward to providing you with the outstanding service you have come to expect at Universal American and we thank you for your business.

   

Traditional Business - Pending Codes

AR - Application Return: Application was sent back for something and needs returned delivery.

AP - Application Processing.

AL - Agent Licensing Problem: Underwriting.

CB - Call Back (usually from agent) - Underwriting.

ISSUED - Need first payment.

PI - Phone Interview - Underwriting.

HP - HIPAA Form Missing.

RP - Replacement Form or Information Missing.

VC - Void check and/or signed bank draft authorization - Delivery.

AM - Amendment Needed.

 

Medicare Advantage Paper Enrollment Submissions

As of Friday, September 4, Medicare Advantage paper enrollment forms should NO LONGER be mailed or sent overnight to the Cambridge address.  As of this date, all MA enrollments should be mailed or sent overnight to our Houston enrollment center.  The addresses are as follows:

REGULAR MAIL

PPO/PFFS

Att:  Today's Options PPO/PFFS 

P.O. Box 740445

Houston, TX 77274

HMO

Att:  HMO Enrollment

P.O. Box 27772

Houston, TX  77227 

 

OVERNIGHT MAIL   

PPO/PFFS

Att:  Today's Options PPO/PFFS

4888 Loop Central Drive Suite 700

Houston, TX 77081

HMO

Att:  HMO Enrollment

4888 Loop Central Drive Suite 700

Houston, TX 77081

Medicare Advantage paper enrollment forms submitted online via AgentLink may also be mailed to these addresses.  Mail within 24-hours of completing your online enrollment.  Paper enrollment forms that are submitted upon the completion of online AgentLink enrollment MUST be accompanied by the fax cover sheet located on AgentLink.  Without the inclusion of this fax cover sheet, the submission may be counted as a duplicate enrollment, and will delay processing and advanced commissions.

Please note:  Packages received at the Cambridge address will be re-directed to the Houston address.  A delay in processing may result!  Please be sure to mail to the correct address beginning Friday, September 4. 

For your convenience, the new mailing address will be provided on our 2010 enrollment materials. 

Online Certification Now Available!

2010 MA and PDP Training & Certification Program

Now available online:  Universal American's 2010 training and certification program for Medicare Advantage (MA) and Medicare Part D Prescription Drug (PDP) plans. Online training is ideal for agents who have not attended a 2010 onsite training/certification session, or who have not yet successfully completed their exam.  The online training program is available at no cost, 24/7.  For even greater convenience, the site offers easy access to the study materials and the 50-question certification exam; just let your fingers do the walking!

To initiate your training, please visit our AppointMyAgent online training site at certify.appointmyagent.com.*   Or you may log-in through AgentLink and go to the Training and Certification section, which is located in the InfoCenter.  

Upon successful completion of the certification exam, you will receive an e-mail notification.  Certification for the 2010 enrollment season will be achieved with a passing grade of 85%, as mandated by CMS.  Agents will be notified immediately within the testing process if they fail to achieve a passing grade.**

Third Party Certifications

Universal American will also accept certifications completed through one of the following online services.  Proof of certification is required:

Hurry!  Pre-Selling Season Begins October 1!

With the pre-selling season beginning in just a few weeks, there is no better time than now to complete your training and certification.  Once you have your certification successfully under your belt, you may begin educating consumers about our MA and PDP products on October 1.  Don't delay.  Visit certify.appointmyagent.com today to complete your certification.  Or, contact your Sales office for assistance.

*Please note: if using the online contracting system, AppointMyAgent, to contract new agents for the 2010 selling season, the prospective agents may complete their training and certification during the contracting process.  Once these agents are activated, they may begin working with consumers as of October 1. 

**Agents must pass the exam in no more than three (3) attempts in order to sell MA and PDP plans during the 2010 enrollment year.

Important

Upcoming Dates

for the 2010 MA/PDP

Selling Season

Before we know it, the 2010 Medicare Advantage and Prescription Drug Plan selling season will begin.  So, here's the question: Are you ready?

Here are key dates and information that you'll need to know as you prepare for 2010 enrollment:

Agent Certification and Training

In order to take full advantage of the 2010 Selling Season in its entirety, you'll need to complete and pass agent certification training prior to November 15.  In fact, you'll want to complete it before October 1, 2009 so you can engage in pre-selling activities.  You can do this in two ways:

Whichever method you choose, you must successfully pass a 50-question multiple choice exam with a grade of 85% or higher to be certified for 2010. 

October 1 - November 14, 2009 -- Pre-Selling Period

Certified agents may begin scheduling appointments and meeting with beneficiaries to discuss Medicare Advantage and Medicare Prescription Drug plans beginning October 1st.  At this time you may discuss the characteristics of different Today's Options plans to assist the potential enrollee in evaluating the merits of all available Today's Options plans, based on their needs. You may not collect or submit January 1st, 2010 enrollments until November 15, 2009.

November 15-December 31, 2009 -- The Annual Election Period (AEP)

This is the time when all eligible Medicare beneficiaries may enroll in Medicare Advantage and Prescription Drug Plans for 2010.  They may also make changes to their current coverage. Our Medicare Advantage plans include Today's Options Private Fee-for-Service (PFFS) plans, available in 45 states; our Today's Options PPO Advantage 1, 2, & 3 Plans available in 43 markets; and our Medicare Advantage HMO plans available in select areas of Texas, Oklahoma and Wisconsin.

January 1-March 31, 2010 -- Open Enrollment Period (OEP)

This is an opportunity for beneficiaries to enroll in, disenroll from, or change a Medicare Advantage plan (only once) during this period.  There are several restrictions as to what individuals may or may not add or drop from their coverage during this time.  These restrictions/requirements will be the subject of a future communication.

Learn more about the upcoming 2010 MA/PDP enrollment season - join our first Ask Today's Options conference call on Friday, August 28 at 11 a.m. Eastern Time.  Dial (866) 900-3545 ID: 23476851 to join.

If you have any questions about certification or the upcoming enrollment periods, please contact the Career Sales Department.

  

Did You Know?

 

Did you know that if a person is on Medicare due to disability and then turns 65, he/she has two Medicare Health Plan enrollment options? This person has an IEP-Part D to enroll into a MAPD or PDP plan and he/she has a SEP to enroll into a MA only plan.

 

 

Top 10 Reasons for Pending HMO Applications and/or Delaying Processing

  • Medicare Part A & B effective dates
  • LIS supportive documentation
  • Employer Group Heath Plan supportive documentation
  • Missing Signature
  • Invalid HICN
  • Paper App - Non Agentlink - missing pages and/or illegibility
  • Residence Change - supportive documentation
  • Invalid Election Period
  • Invalid Address
  • Aged Signature

Fax Numbers for All HMO Enrollment Types (online, mail, etc.)

(866) 430-7452           Non-Agentlink Submission with Signed Application

(866) 684-5686           Agentlink Submission with Signed Application. Note: The appropriate HMO Coversheet must be used to identify an application has been submitted via Agentlink. This is the only way HMO Enrollment Department is able to identify a duplicate without going through the regular enrollment process.

 

Ordering Forms for Strategic Alliance Companies

Don't forget that as a Universal American Career agent, you have a great opportunity to become contracted with our strategic alliance partners such as John Hancock, American Investors, Lincoln Financial and Equitable so that you may sell their annuity, long-term care and life insurance products. We want to remind you that when ordering the underwriting requirements for these third party companies, it is imperative that you use the corresponding company's order forms to obtain these required forms. Please do not use Universal American subsidiary forms when ordering the underwriting requirements for other companies.

 

It Makes Good "Cents" to Sell Final Expense!

Help clients cover their final expense needs with a senior life insurance plan, Secure Guard II, offered by Pennsylvania Life Insurance Company! From September 1, 2009 through October 15, 2009, the Career Sales Department will be promoting Secure Guard II with several exciting contests and activities! We've attached a calendar of events  to help you keep track of everything that is going on during the promotion.

Earn Gift Cards by Selling Secure Guard II!

We will also be holding a production contest which will run from September 1, 2009 through October 15, 2009. The top three producers with a minimum of 10 issued Secure Guard II applications will receive American Express gift cards! First place will receive a $500 gift card; second place will receive a $250 gift card; and third place will receive a $100 gift card. We will announce the winners toward the end of October.

Also taking place during the promotion are status contests. Randomly throughout the promotion we will be sending out status reports of the top 10 producers of issued business for Secure Guard II. The top producer in these reports will receive a prize!

To read more about the Secure Guard II contest, click here.

Utilize Tribute Direct!

TributeDirect™ gives Americans a budget-friendly option to the traditional and costly ways of funeral planning. It gives clients what they need at a very stressful time - control, choice and value. TributeDirect™ provides advice and answers questions about the funeral planning process. To complement this, TributeDirect™ offers caskets, monuments and urns at competitive prices often resulting in significant savings.

Combining Tribute Direct™ with Final Expense Life Insurance is such a powerful concept that your prospects and customers will want to refer you to others!  If you obtain just one referral following every appointment, you will significantly reduce your cost per lead.

Referred leads using Tribute Direct™ will reduce your lead costs!

Tips From the Field

"I'm a bear! That's correct, I'm a bear. No, I'm not human.  That's a completely different species from us bears.  But, because I am a bear and not human, I must be extremely careful in my presentation. When you ask what I do to elicit myself as a super star selling [Pennsylvania Life's] Secure Guard II, I can only answer you with a single answer.  And that is 'GRRRR.' And that's because to a bear, one word says it all. W hen I approach my clientele, I am careful about my body language, my claws & my fangs.  And, yes, bears are professionals.  When I rear up to greet people, I rise up slowly.  The expression on my face matches my poise so I do not appear to be too aggressive or scary, but yet not submissive.  This first moment will set the stage of my client's emotions and determines if I get my paw in the door or not.

Being a Grizzly, I find people can become intimidated by my size & strength. I keep things changing to reflect a friendly attitude one moment. Then sincere another moment. When the time is right, I turn things into a bit of humor.  However, at all times, I strive to keep my client's attention.  I do this with honor and sincerity.  I do this with ease of presentation.  I also do this with clear explanations and just the right amount of details.

Above all, I strive to illustrate that my presence represents my client's well being and protection. After all, I want everyone to realize that they are in good paws with me. This is reflected by what I say and how I say it. Again, it is all very simple. To a bear, one word says it all. 

GRRRR,

Rich Kraus, Gloucester, VA"

We need your help! If you are a successful agent selling Secure Guard II, we'd like to know how you are doing so well. All you have to do is write up a quick tip about your selling technique and email it to Jennifer Richmond at jrichmond@UniversalAmerican.com. Please include "Secure Guard II Sales Tip" in the subject line. The best tips will be published in the Career Advantage Weekly newsletter!

Question of the Week

Can premiums increase for a policyholder with a Pennsylvania Life Secure Guard II life insurance policy?

Please send your answers to Jennifer Richmond via email at jrichmond@UniversalAmerican.com and add "Question of the Week" to the subject line. Each week in the Career Advantage Weekly newsletter, we will ask you a question about the Secure Guard II insurance product. The first person to respond with the correct answer will receive a prize!

Secure Guard II

The featured product for this promotion is Secure Guard II.  Secure Guard II is the Cadillac of Final Expense senior life insurance products offering you:

 

·Competitive rates

·Streamlined underwriting

·Lower premiums

·More cross-selling opportunities

Final expenses do not have to create an unexpected financial burden for clients' family or loved ones. Your clients can relax knowing that the inevitable expenses such as Funeral, Administrative and Probate fees are covered by their Secure Guard II final expense insurance policy. Start selling Secure Guard II today!

Application packs which include a brief product overview, rates, application and all necessary forms to complete the sale are now in one convenient packet. You can order materials via the online ordering center or download them from the agent website.

This email was sent to: mlees@seniorsolutions.com

This email was sent by: Pennsylvania Life Insurance Company
1001 Heathrow Park Lane, Suite 5001 Lake Mary, FL 32746 USA


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