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How Do Individuals Qualify for Medicaid?

How Do Individuals Qualify for Medicaid?

How Do Individuals Qualify for Medicaid?
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A common question I am asked from agents is what is how do individuals qualify for Medicaid?  Medicaid provides coverage to millions of Americans including eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities. Medicaid is administered by states, according to the federal prerequisites. Also, Medicaid is funded jointly by states and the federal government.

How to Qualify for Medicaid

    There are several ways to apply for Medicaid.

    1. Contact your state Medicaid You must be a resident of the state where you are applying for benefits.
    2. Fill out an application through the Health Insurance Marketplace.
    3. Check to see if you are eligible for Medicaid, check with your state’s Medicaid office to see if you are or your family members are eligible for benefits. It can depend on at least one or a combination of Age, Income Level if you are pregnant or have a disability.

    What does Medicaid cover

      This is a standard outline for some of the mandatory coverage that comes with Medicaid Benefits:

      • Inpatient hospital services
      • Outpatient hospital services
      • EPSDT: Early and Periodic Screening, Diagnostic, and Treatment Services
      • Nursing Facility Services
      • Home health services

      Here at Pinnacle can help train you on the Medicaid product/demographics. We have the tools and resources that can help you quote and enroll clients that fit the mold of the Medicaid plan. Our Connect4Medicare platform is a one-stop-shop for quoting and enrolling clients online. With our resources, we can have you quoting and enrolling clients in no time! That includes Medicaid clients, we can show you the resources for checking their eligibility as well as how to quote and understand the in’s and out of the Medicaid plans in your area.  

      For more information, contact a Pinnacle Financial Services representative today

      1 (800) 772-6881 x7731 | sales@pfsinsurance.com

      Marcus Guzman

      Marcus Guzman

      Director of Sales | Health

      x7709 | mguzman@pfsinsurance.com

      Contact a Pinnacle Representative if you have any questions.

      1 (800) 772-6881
      support@pfsinsurance.com

      Contact Us

      Contact a Pinnacle Financial Service representative today for assistance.

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      Medicare Insulin Saving Program

      Medicare Insulin Saving Program

      Medicare Insulin Saving Program
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      What is the Insulin Saving Program? It is big news in the Medicare industry! Today I will discuss how to make sure you are giving your your clients the best product based on their insulin prescription. Here at Pinnacle Financial Services, we offer our agents the best online comparison tools in the industry at no cost! We want our agents to have the convenience of doing the enrollments from start to finish on one platform.

      How does the Insulin Savings Program work?

      The insulin saving program allows participating Part D plans to offer a vast set of formulary insulins at a maximum of $35 co-pay per month supply, throughout the deductible, initial coverage, and coverage gap phase. Starting in January 2021, Part D plans that are participating in this program will offer consistent copayments for their insulin, this will help many clients save money.

      Where do you find participating plans?

      Creating profiles for your clients, running quotes, doing provider look ups, comparing pharmacies, PDP plan options, Insulin Saving program, a PURL (Compliant Consumer facing Personal Website) and more are available through Pinnacle’s Connect4Medicare system. Connect4Mediacre is an all-in-one tool every agent should have and utilize in today’s day and age. A new value add with Connect4Mediacre is you can specifically quote just the Medicare Advantage plans & PDP that are participating in the Insulin Savings Program by simply selecting it under “Additional savings”.

      Next Steps

      Please reach out to any of the Sales Directors here at Pinnacle and we will gladly train you on the everything you need with  Connect4Medicare and Medicare Selling.   Our team of Medicare experts can be reached at 1-800-772-6881 x-7731 or email Sales@pfsinsurance.com

      For more information, contact a Pinnacle Financial Services representative today

      1 (800) 772-6881 x7731 | sales@pfsinsurance.com

      Marcus Guzman

      Marcus Guzman

      Director of sales | Heatlh

      x7709 | mguzman@pfsinsurance.com

      Contact a Pinnacle Representative if you have any questions.

      1 (800) 772-6881
      support@pfsinsurance.com

      Contact Us

      Contact a Pinnacle Financial Service representative today for assistance.

      CallEmail

      Top FMO for Medicare Agents

      Top FMO for Medicare Agents

      Top FMO for Medicare Agents
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      When it comes to finding the best partnership for your Medicare business, I am asked, What separates Pinnacle from the rest? What makes Pinnacle Financial Services the top FMO for Medicare Agents? In my blog, I am going to list just a few key points as to why Pinnacle Financial Services is the number one choice in the industry for independent agents and agencies alike.

      Top FMO Support for Agents

      When searching for an FMO partnership excellent support and communication are extremely important, our support staff is top-notch when it comes to supporting our agents from facilitating client issues, application tracking, overall taking the time to speak with our agents and help make their day to day less hectic. Any situation that may arise our staff is ready to assist from certifications, case-specific questions, to something as simple as needing your login for our website. We have you covered! So, your only concern should be selling and continuing to build relationships with your clients!

      Top FMO Communications

      All too often do I hear the story of an agent contracting with any other agency and once the forms are signed and handed over, the agent hardly hears from the said agency also communication falls off almost completely. Not with Pinnacle Financial services our goals are bigger than just having a contract it is being able to communicate with our agents to help put them in the best possible position to be successful and knowledgeable on the products which they are selling.  We provide endless training materials on product-specific webinars, new technology we are offering to our agents. Even one-on-one calls to ensure all your questions are answered.

      Top FMO Programs

      From Leads to online enrolment software, and quoting systems for Medicare Advantage, Medicare Supplements, and Part D we offer our agents nothing but the best! Leads are extremely important for any agent and us over plenty of options from Per – Piece Mailers, Bulk orders also known as a thousand-piece mailer, we also offer end of the day call backlists. We guarantee you will be fully confident in your knowledge of all the products in your portfolio and well versed in how to work/track your leads as they come in.      

      Contact any of the sales specialists here at Pinnacle Financial Services and we will see that all of your needs are met and exceeded! 

      For more information, contact a Pinnacle Financial Services representative today

      1 (800) 772-6881 x7731 | sales@pfsinsurance.com

      Marcus Guzman

      Marcus Guzman

      Director of Sales | Health

      x7709 | mguzman@pfsinsurance.com

      Contact a Pinnacle Representative if you have any questions.

      1 (800) 772-6881
      support@pfsinsurance.com

      Contact Us

      Contact a Pinnacle Financial Service representative today for assistance.

      CallEmail

      Medicare Lead Programs

      Medicare Lead Programs

      Medicare Lead Programs
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      One of the most common questions I am asked by agents is “What kind of Medicare lead programs does Pinnacle make available”? To answer that question and give a brief description of our lead programs, I’ll discuss what leads and training Pinnacle can offer to our agents.

      Prospect list

      A prospect list is exactly what it sounds like. Too many times have agents told me about the agencies that had given them free T65 leads, only to have it not pan out the way they would have liked. Transparency is important when talking about lead programs- it is an investment for your business!

      Pinnacle Financial Services offers our agents both a T65 and a 66+ thousand names prospect list at no charge. We can be specific with this as well from the demographic, either T65 or 66+, and can adjust the income level. Additionally, Pinnacle can pick from multiple languages for those that are bilingual speakers. Just remember, with a list of “free leads” there is more leg work.

      Per Piece Mailer

      If you are looking for a lead program that has a guaranteed response and with an order that is filled in its entirety, Pinnacle has the solution for you!

      With our program, we can specify the areas you would like to target and/or adjustable household incomes, providing peace of mind- what you paid for, you are getting back in full. If you want 20 leads, you order 20 leads. Take the guesswork out of how many responses you may get from a traditional direct mail campaign.

      Bulk Orders

      Pinnacle Financial Services also provides bulk mailers to our agents. Several vendors we partner with have multiple options for our agents to choose from. You could look to do a bulk order and want to target the D-SNP market, or even want to do a bulk order with your current book of business and inform them you do life and annuity on top of Medicare.

      With the bulk orders, agents are looking between 1.5% up to 2% return on average if mailing out to Medicare clients in the Turning 65 market or 66+. However, with dual-eligible clients, you return higher rates. Pinnacle has seen an increase in return up to 13% in certain areas. We offer plenty of training on D-SNP products, so if this is a new area for you, we will be there every step of the way.

      Training

      Pinnacle assists our agents with a variety of training materials and personal webinars, ensuring that they have the utmost confidence. After working with Pinnacle, agents work with leads as they come in but also will have stronger product knowledge. We’re here to help you each step of the way in your Medicare, life, and/or annuity business.

      For more information, contact a Pinnacle Financial Services representative today

      1 (800) 772-6881 x7731 | sales@pfsinsurance.com

      Marcus Guzman

      Marcus Guzman

      Director of Sales - Health

      x7709 | mguzman@pfsinsurance.com

      Contact a Pinnacle Representative if you have any questions.

      1 (800) 772-6881
      support@pfsinsurance.com

      Contact Us

      Contact a Pinnacle Financial Service representative today for assistance.

      CallEmail

      What is Original Medicare?

      What is Original Medicare?

      What is Original Medicare?
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      With Original Medicare, you get your benefits directly from the federal government. Original Medicare has two parts, Part A and Part B. If you have a qualifying work history your Part A benefits are premium free. Original Medicare pays for many services but typically this is at 80% leaving out of pocket expenses. Medigap, or also known as a Medicare Supplement can help pay some or most of the remaining health care costs such as copayments, coinsurance, and deductibles.

      Part A & Part B

      Let us break down the difference between the two.

      Part A covers

      • Hospital care
      • Skilled nursing facility care
      • Short – term nursing home care
      • Hospice
      • Home health care services

      Part B covers

      • Doctor Visits
      • Annual Wellness visits every 12 months
      • Laboratory tests: x-rays blood work
      • Medical equipment: Wheelchairs and hospital beds
      • Orthotics and prosthetics
      • Mental healthcare
      • Ambulance services

      What doesn’t Medicare Part A & B cover?

      Although Original Medicare coverers a wide variety of services most of those services are not covered at 100% and there are annual deductibles that a Medicare recipient must pay.

      Some items that will not be covered by original Medicare are:

      • Long term nursing home care for more than 100 days
      • Routine foot care
      • Acupuncture, naturopathy
      • Cosmetic Surgery
      • Hearing Aids
      • Routine dental care and dentures
      • Routine vision care
      • Care outside the United States

      For more information on the many parts of Medicare, please feel free to reach out to the Pinnacle team and we will gladly help you find the best possible option for your clients.

      For more information, contact a Pinnacle Financial Services representative today

      1 (800) 772-6881 x7731 | sales@pfsinsurance.com

      Marcus Guzman

      Marcus Guzman

      Director of Sales - Health

      x7709 | mguzman@pfsinsurance.com

      Contact a Pinnacle Representative if you have any questions.

      1 (800) 772-6881
      support@pfsinsurance.com

      Contact Us

      Contact a Pinnacle Financial Service representative today for assistance.

      CallEmail