Corebridege Financial | New instant decision – same Select-a-Term

Corebridege Financial | New instant decision – same Select-a-Term

by | Nov 28, 2023 | Life, News | 0 comments

Corebridege Financial | New instant decision – same Select-a-Term
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New SimpliNow Choice platform
your ticket to all UW paths!

iPipeline iGO and LifePipe users have access to instant decision!

Delivering instant decision on our new iPipeline SimpliNow Choice platform with the existing, fully featured Term product. Plus, in the same session, you can choose which underwriting (UW) path best meets your client’s needs:*

  1. NEW client completion Part B (instant decision)
  2. NEW agent completion Part B
  3. Tele-interview
  4. Paramed

The client submission path is good for those clients who you believe would be comfortable filing out the online forms independently and are motivated to complete the application. It also makes the exam much shorter even if they do not stay lab-free.

Choose Select-a-Term (New Submission Platform), and if your client is a good fit for our instant decision path, select “Agent Drop Ticket + Client Collaboration” for the client completion application. If approved as applied for, the policy will be conditionally issued.

Boosting client satisfaction with instant decision!

Find out more

Collaboration Guide
Collaboration FAQs
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Florida Blue | Have you Heard the News about our Hearing Aid Benefit?

Florida Blue | Have you Heard the News about our Hearing Aid Benefit?

by | Nov 27, 2023 | Medicare, News | 0 comments

Florida Blue | Have you Heard the News about our Hearing Aid Benefit?
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Have you heard the news about our Hearing Aid benefit?

In 2024, we’re transitioning from hearing aid allowances to a more transparent copay structure across most of our plans, enhancing the member experience and providing more clarity on out-of-pocket expenses.

Here’s what members can look forward to:

Additional Information

Anticipate Out-of-Pocket Expenses:

With fixed copay rates as low as $350, members can now plan and anticipate their out-of-pocket expenses more effectively.

New Options for Hearing Tests and Fittings:

Members will have convenient options, including online hearing tests and mobile units that can perform tests at home. Hearing aids will be delivered by mail (location-dependent).

Enhanced Benefits Include:

  • Up to 2 hearing aids per year
  • 3 follow-up visits within the first year of the initial fitting date
  • 60-day trial period
  • 60 batteries per year per hearing aid (per 3 years)
  • 3-year manufacturer repair warranty
  • 1-time replacement coverage for lost or damaged hearing aids
  • First set of ear molds (when needed)

Special Considerations

  • All D-SNP plans and the Premier plan in Lake, Marion, Sumter H1035-043 will continue to offer a hearing aid allowance for 2024.
  • BlueMedicare Preferred HMO Blue Dollars Card: These members can use the new Dental, Hearing, and Vision Blue Dollars card to cover the Hearing Aid copay, providing added financial flexibility.

Hearing Aid benefits are accessible through Nations, 866-311-3617. More information can be found here: Hearing Aid benefits. 

Extra Resources

Need easy access to benefits on the go? Scan this QR Code and enter the login credentials indicated below to gain access to our 2024 First Look Benefits. Access a Broker Manager by clicking the”Product Portfolio” link. Here you can find each Broker Manager’s email and direct cell phone number. You can also click the map of any county, it will take you to the SOB for all the plans available within that county.

Helpful Phone Numbers and Links

Below is a list of helpful links and phone numbers for our Florida Blue value added benefit vendors.

Service Vendor Phone Number
At Home Care Papa 888-941-393
Blue Rewards Florida Blue 833-509-1546
Caregiver Support Carallel 855-955-3010
Dental Florida Blue 888-223-4892
Drug Lookup Prime 877-794-3574
Drug Lookup (FHCP) FHCP 386-676-7110
DSNP Eligibility Florida Blue 866-780-4240
Fitness Silver Sneakers 888-423-4632
Fitness (FHCP) Preferred Fitness 386-676-7110
Food Card Nations 833-509-1546
Hearing Aids Nations 866-311-3617
Meals ILS Meals 888-941-3933
Members Services Florida Blue 800-926-6565
Nutrition Florida Blue 800-955-5692
OTC Nations 877-270-4569
Transportation Modivcare 855-875-5194
Vision Premier 866-434-0015

Need Help?

Reach out to your Broker Manager today.

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Lincoln Financial | Fixed Annuity Rates Effective 11/29/23

Lincoln Financial | Fixed Annuity Rates Effective 11/29/23

by | Nov 22, 2023 | Uncategorized | 0 comments

Lincoln Financial | Fixed Annuity Rates Effective 11/29/23
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Note that the My Guaranteed Plus Fixed Rate Annuity is not available in CA and NY, submission is electronic only.

We have updated our rate lock procedures.  Please see attached for details. 

In an effort to simplify the differences between our Lincoln MYGuaranteeSMPlus rate lock procedures, and that of our fixed-indexed annuities, I wanted to make sure you have this for reference. Thank you!

  • Lincoln MYGuaranteeSM Plus (MYGA) is received date, FIA is still signed date
  • 7 (calendar days) for “cash” (and business treated like cash, see attached for details) on both, but different start dates
      • MYGA: To lock in rates before a rate change, the submitted e-application must be received in Annuity New Business by 4pm ET on the business day  (“received date”) prior to the effective date of the rate change. Note that business day means a Lincoln Financial Group regularly scheduled work day.  The contract must be issued on or prior to the 7th calendar day from the received date to receive the rate hold interest rate.
      • FIA: To “lock in” rates before a rate change, the signed application must be received in Annuity New Business within 7 calendar days from the application signed date. These rates will be held for 7 calendar days from the application signed date. Applications received beyond 7 calendar days from the application signed date will receive the rates in effect at that time.
    • 45 days/60 days for transfers
      • MYGA: 1035 Exchange/Qualified Trustee-to-Trustee transfer: A 45-day rate hold will apply to Lincoln-initiated 1035 exchanges and qualified trustee-to-trustee transfers beginning on the date the application is received, and the contract must be issued within 45 calendar days from the received date.
      • FIA: A 60-day rate hold will apply to 1035 exchanges or qualified trustee-to-trustee transfers. Rates will be locked for 60 calendar days from the date the application is signed. The exchange or transfer must be initiated by Lincoln. A rate hold will not apply to a 60-day rollover

As always, thank you for your business. I hope you and your family have a safe and happy Thanksgiving!

FIA Rate Lock
Fixed Rate Lock
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Independence Blue Cross | Important Reminders, Resources, and Tips

Independence Blue Cross | Important Reminders, Resources, and Tips

by | Nov 22, 2023 | Medicare, News | 0 comments

Independence Blue Cross | Important Reminders, Resources, and Tips
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Urgent: SEP and SOA Reminders

Deadline to use 5-Star SEP

Our Keystone HMO star rating for 2023 is five stars and the resulting Special Enrollment Period (SEP) that is available is coming to an end. The last day to use the 5-Star election is for a member with a December 1, 2023 effective date, and applications must be submitted by November 30, 2023.

SOA 48-Hour Rule

All marketing appointments require a Scope of Appointment (SOA) and take place after 48 hours have passed since the time the SOA was completed by the beneficiary.

Exceptions to the 48-hour rule:

  • During the last four days of an election period, such as the Annual Enrollment Period (AEP)
  • When beneficiaries walk into an agent’s office, a kiosk, a plan’s office, or any other walk-in
  • When a beneficiary makes an unscheduled inbound call to an agent — an agent would be permitted to, in that instance, take an SOA and then immediately enroll the beneficiary

Commission and Renewal Payments

Lump-Sum Renewal Compensation

Independence Blue Cross (IBX) pays renewals for the life of the policy to agents in good standing while enrollment in the plan is active. Renewals are paid in January and do not prorate. Agent payments are distributed in the middle of January, and every existing client that rolls over is paid in one lump sum.

Renewal compensation will apply whether the new enrollment is in a plan still offered by IBX, or if the beneficiary comes to IBX from another insurance carrier.

Thank you for your support, and please reach out to your upline for additional information or questions. 

On-Demand Medicare Meet-Up Recording

Save time and Learn

We understand that AEP is the busiest time of the year for you and that you are making a difference one member at a time with IBX. We created an on-demand webinar to inform you of our 2024 Star ratings, our competitive advantage, and upcoming contests to make this AEP memorable and full of achievements. Watch now and increase your business!

PowerPartner Contest

Win this AEP

Join the competition to beat your sales numbers from last year, hit new goals, be one of our top agents, and get recognized by being part of the PowerPartner Program. The PowerPartner Program offers rewards that you can redeem for advertising, education, and administrative costs to grow your business.

PowerPartner rewards contests run all year round, and you can keep earning PowerPartner Points to redeem for IBX merchandise, marketing materials through the broker eStore, and education. Start earning and get rewarded.

Review contest details and qualifications.

PowerPartner Program Contests

Contest Period: October 15 – December 31, 2023

  • HomeTown Home Run
    • 10 new enrollments = 100 mailers
    • 50 new sales = 300 PowerPartner Points
  • Lead By Ten
    • 10 new enrollments = 5 leads
  • Rising Agents
    • Newly contracted for 2024
    • Additional 10 points for the top five agents
    • Minimum qualification: 10 new to Blue MA and MAPD

Contest Period: October 15, 2023 – March 31, 2024

  • Hall of Fame
    • AHIP for Top 25
    • The top 10 will receive IBX-branded attire

Holiday Hours

Modified Thanksgiving Hours

In observance of the Thanksgiving holiday, the IBX Broker Medicare Resource Center (BRMC) will be closed on Thursday, November 23 and will reopen at 8:30 a.m. on Monday, November 27.

Support Contacts at IBX

As always, we value your business, so we’re here for you and happy to help!

BMRC AEP hours of operation
Monday through Thursday, 8:30 a.m. to 8 p.m.
Friday, 8:30 a.m. to 6 p.m.
Saturday, 10 a.m. to 2 p.m.

Tor Heilman
Manager Medicare Sales — Broker
Phone: 267-225-5710
Email: tor.heilman@ibx.com

Nick Mancuso
Associate Medicare Sales Executive
Phone: 215-776-9235
Email: nicholas.mancuso@ibx.com

Xiaoying Wu
Associate Medicare Sales Executive
Phone: 267-255-6610
Email: xiaoying.wu@ibx.com

IBX BMRC
Phone: 1-888-234-3313
Email: IBXMedicareBroker@ibx.com

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Aetna | AEP Updates and Wrap-Up Information

Aetna | AEP Updates and Wrap-Up Information

by | Nov 22, 2023 | Aetna, Medicare, News | 0 comments

Aetna | AEP Updates and Wrap-Up Information
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As we head into the last part of AEP, we want to thank you for all of your hard work and partnership. We’re excited about the feedback we’re hearing from all of you. That said, we’ve received a number of questions about some of our new benefits and plans. In this email, we want to make sure you have the comprehensive information you need to support your clients and help them get the full value of their plan. Specifically, we’ll address:

  • Fitness reimbursement benefit
  • High-value provider bonus benefit
  • Reminders for narrow network plans
  • Finishing AEP strong: Ensure all enrollments are processed

Fitness Reimbursement Benefit Clarification

In 2024, some non-SNP Aetna Medicare plans offer a fitness reimbursement benefit. With this benefit, members can be reimbursed for eligible activities and supplies that improve fitness and health outcomes.

To ensure you and your clients understand how this benefit works, we’ve created a new guide. It provides clarity on the reimbursement process.

We’ve also updated our broker flyer on this benefit. Be sure to check out the new version.

Read the fitness reimbursement guide and updated FAQs

Help Clients take Advantage of the new High-Value Provider (HVP) Bonus Benefit

In 2024, some plans offer a new HVP bonus benefit. With these plans, eligible members can receive increased funds loaded onto their Extra Benefits Card by selecting a primary care provider (PCP) from a designated HVP group.

Please ensure your clients know they must select a PCP from one of these HVP groups as one of the requirements to receive this benefit.

Remember, you can find a list of participating HVP providers on Producer World. These providers appear with a special indicator in most provider search tools.

Clients who’ve already enrolled in one of these plans can call Member Services to add or update their PCP on file to an HVP.

Review Broker Flyer for Details

Remember, for narrow network plans, ensure your clients select an in-network PCP

For 2024 plans that have a narrow network, like Prime plans, please encourage your clients to select an in-network PCP when they enroll. Or if they already enrolled without one, they can call Member Services to change their PCP on file. This is especially important for narrow network plans because if beneficiaries don’t select a PCP when they enroll, we will auto-assign one.

Review recent PCP Selection Email

Finish AEP Strong

Review AEP Enrollment Deadlines

  • December 7: All AEP enrollment applications must be completed, signed, dated, and received by the agent no later than 11:59 PM, December 7, 2023.
  • 48 hours: We must receive signed enrollment applications within two calendar days after you receive them from beneficiaries.
  • December 9 is the last day to submit all applications that were signed and dated December 7, 2023.

If you receive a completed enrollment application after AEP ends on December 7, do not hold or destroy it. Under CMS rules, you must still submit it to us within two calendar days as noted above. We then will process or deny the enrollment as appropriate.

Review end-of-AEP Guidelines

Ensure your enrollments are processed – Encourage clients to contact us if their enrollment is pending due to a request for information (RFI)

You can check the app status report in Producer World to see if any enrollments are in a “pending RFI” status. Encourage these clients to call us so we can verify any outstanding items and finish processing their enrollment. They should call the customer service number in the message we leave or the letter they receive.

If we’re not able to reach them (within 21 days or by the end of the enrollment period, whichever is longer), their application will be denied.

We wish you a happy Thanksgiving!

We appreciate your partnership! If there is any way we can help during AEP, please contact your local Aetna Medicare Broker Manager. Or reach out to Aetna Medicare Broker Services at 1-866-714-9301 or brokersupport@aetna.com.

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