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Click Here for the 4th Quarter Career Advantage Magazine!
MARK YOUR CALENDARS! Don't forget to mark your calendar for Friday, October 9th at 11:00 a.m. Eastern Time, because that is the date of our "Ask Today's Options...And More!" conference call for the 2010 selling season! Be sure to dial in at least 10 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, October 9, 2009 Time: 11:00 a.m. EDT Dial-in Number: 866-900-3545 Conference ID #: 23480036 Expected Duration: 1 hour
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| 2009 and 2010 New Member Verification Call Process Including Use of New Member Acknowledgement Form Following the completion of an enrollment in a 2009 or 2010 Medicare Advantage Plan, Universal American will conduct the New Member Verification and Education Call in accordance with CMS requirements. As part of this process, agents may ask the client to review and sign a New Member Acknowledgement Form to ensure that the consumer understands the plan in which he or she has enrolled.* The form may also be used to prepare clients for the New Member Verification and Education Calls. Click here for additional details. |
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| | Outline of Permissible Sales Activities for "Pre-Selling Season," October 1 - November 14 There are a number of sales-related activities in which you may engage in preparation for the start of the Annual Election Period (AEP) which begins on November 15. The attached memo gives precise information as to what you may and may not do during this pre-selling period. Please read it carefully and contact the Career Sales Department if you have any additional questions. Click for the memo. |
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| Check Your Email! With the 2010 Medicare Advantage selling season at our fingertips, it is very important that you be sure to check your Company-assigned email on a daily basis. You'll need to be "in the know" regarding important compliance updates that will impact your sales strategies and processes. If you are having any problems with your email or are not receiving communications, please contact the Career Sales Department.
Universal American Announces "Nifty" Strategic Alliance
Universal American Corp. is pleased to announce a strategic alliance with Nifty after Fifty® ("NaF"), a company that operates health and wellness centers focused primarily on the senior community. Together, Universal American and NaF will open several fitness and wellness centers in the Houston and Dallas markets over the next several months with expansion to additional states and locations planned in the near future. Read the entire announcement here.
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.
MOOP for Our 2010 MA Plans... A Great Selling Point for Prospects! Did you know? In our 2010 plans, all Medicare-covered medical services, including Medicare Part B drugs, count towards members' MOOP. The MOOP, or the annual maximum out-of-pocket cost, is the maximum amount that Medicare Advantage members are required to pay toward the cost of their care. Once the maximum out-of-pocket amount is reached, the plan pays in full for covered services. Our Maximum Out-of-Pocket (MOOP) Limits: A Great Selling Feature Educate prospects about the advantages of the comprehensive annual maximum out-of-pocket limits they can expect when they join one of our 2010 Medicare Advantage plans. Members should know what their maximum medical costs will be for the calendar year for all covered services. Knowing could possibly help them avoid unexpected medical bills, as members can expect to have an estimated amount covered and can prepare accordingly. Plus, our plans have one of the lowest MOOPs in the marketplace. Take a look at maximum out-of-pocket limits on 2010 MA plans from the Universal American family of companies*: - Today's Options PFFS Value and Value "powered by CCRx" plans = $3,400
- Today's Options PFFS Premier and Premier "powered by CCRx" plans = $3,250 (Benefit Package 1); $3400 (Benefit Package 2)
- Today's Options PPO Advantage 1 plan = $3,250
- Today's Options PPO Advantage 2 plan = $3,400
- Today's Options PPO Advantage 3 plan = $3,250
- TexanPlus HMO Value and Classic "powered by CCRx" plans = $3,000
- Generations Healthcare HMO Value and Classic "powered by CCRx" plans = $3,000
- Today's Health HMO Value and Classic "powered by CCRx" = $3,250
NOTE: Medicare Part D drug copays and coinsurance payments do not count toward the maximum out-of-pocket limit. Our MOOP Stands Out from the Pack The 2010 MA plans listed above count Part B drugs, Durable Medical Equipment (DME) and Medicare Covered Chemotherapy towards the MOOP. Not many other competitor plans include these. Services covered in MOOP for all our 2010 Medicare Advantage are listed here. Study them, post them on your wall or carry it with you for your personal reference wherever you go! Let prospects know about the stand out maximum out-of-pocket limit of our 2010 MA plans. It could make all the difference in their healthcare coverage. It could make all the difference in your sales!
2010 Medicare Advantage Summary of Benefits The 2010 Medicare Advantage Premium Maps have been provided as a state by state guide to understand where Universal American's subsidiary products are being offered. Three Benefit Packages are available: Benefit Package 1, Benefit Package 2, and Benefit Package 3. Benefit packages are designated by state and county. To determine which benefit package to order, agents must know the county in which they will be marketing PFFS plans and refer to the Summary of Benefits. Click here to view a spreadsheet listing benefit packages by state and county. You'll notice our 2010 Medicare Advantage and Prescription Drug Plan materials have a new look. Kits are color-coded by product and are easily distinguishable this year. They contain all the forms and plan information prospects need to enroll in one of our plans. Each kit includes the following items: Educational Brochure Summary of Benefits Enrollment Form And more! The Scope of Appointment form is included with each order as a standalone piece. Today's Options PFFS plans: Three (3) Benefit Packages Available in 2010 There are three separate kits for the Today's Options PFFS plan benefit packages available for 2010: Benefit Package 1, Benefit Package 2, and Benefit Package 3. Today's Options PFFS benefit packages can be distinguished by their form numbers, located on the bottom, right hand side of the outside envelope of these kits (i.e. Benefit Package 2 form number would be PFS SUMOFBENB2 0909). The Summary of Benefits within the kit also indicates a similar form number with a B1, B2 or B3 at the end of that file name. Please be sure to carefully select the appropriate benefit package you would like to order from the supply ordering system.
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! You must get recertified with us for 2010 in order for us to Pay Your Renewal Commission and for you to be able to sell our very competitive 2010 Medicare Advantage and Part D products. We have expanded our product line and revised our rates for 2010. Please Note: If you do not get recertified Your Commissions Will Stop. That is the CMS rule. Please also be sure that you have an active state license with the states in which you sell Universal American's subsidiary products, including Medicare Advantage. If you do not hold an active state license, you cannot be certified to sell our MA or PDP products. 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.
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. |
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| | 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! Standings The standings for top producers as of October 2, 2009 are as follows: Name Premium | JOSEPH D WHITE | 14,008 | | WILLIE R HARRIS | 10,472 | | NORMAN L JOSEPH | 7,927 | | LIOR SELA | 7,470 | | SCOTT VAN WYK | 7,083 | | KENNETH S HANCOCK | 7,079 | | CHRISTOPHER D YOKLEY | 6,675 | | MARCUS L JACKSON | 6,521 | | CHIOMA N OZURUIGBO | 6,387 | | MEGAN WESSELLS | 6,340 | 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 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 Will a policyholder's coverage ever decrease 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. |
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