Aetna 2020 Plan Options

Aetna 2020 Plan Options

August 16, 2019

AEP is right around the corner and there are many carrier expansions and plan options to choose from including the Aetna 2020 Plan Options. It is the time of year you need to have AHIP completed, carrier certifications completed, supplies orders filled and a game plan for the annual enrollment period.

Aetna is one of the top Medicare Advantage carries around and they offer a variety of plan options in most states. This year they are also including many additional product benefits such as dental, vision and hearing.

$0 is your hero with many of the Aetna Medicare Advantage plan options for 2020. This includes many $0 premium plans with $0 co-pays and a ton of $0 deductible services. Do not forget about the year round selling opportunities with Aetna D-SNP (Dual Eligible Special Needs Plan).

With so many choices for plan options and networks Pinnacle Financial Services makes it very easy to navigate. We have great quoting software tools- on mobile and desktop! To make it even easier we have a state of the art online enrollment platform called Connect4Medicare that is free to all of our agents! You can quote, look up doctors, drugs, pharmacy’s and enroll all on one platform.

Give your sales director a call today to find out about all the Aetna plans available in your area along with all the support and tools Pinnacle has to offer.

For more information, contact a Pinnacle Financial Services representative today!

Dustin Ofsharick

Dustin Ofsharick

Director of Sales - Health

x7706 | dofsharick@pfsinsurance.com

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Fixed Index Annuity Illustration

Fixed Index Annuity Illustration

August 13, 2019

Fixed Index Annuity sales have continually been increasing year over year. As a FMO for annuity sales working with hundreds of agents across the country we here at Pinnacle Financial Services know the power of a Fixed Index Annuity illustration.

With so many carriers and products available in the industry these days, not to mention the many new indexing strategies, it has become harder and harder to keep track of which is the best product for your client.

That is where we can help. If you have a client that knows they want income at a certain age or just wants to leave it sit for accumulation, we can input it into our Fixed Index Annuity software program and come up with the best company that will accomplish their goals. It can show them exactly how much guaranteed lifetime income they would get at whatever age they want to active their guaranteed stream of annuity income. It will also show how the client’s money will grow on a tax-deferred basis if they don’t touch it. Annuity illustrations will also give clients historical back testing showing the best and worst scenarios performed over the last 10 years. Setting the right expectations is key in making an annuity presentation.

For those interested in seeing that historical growth in an illustration we can show that as well. An index annuity’s annual growth is tied to a stock market index (Dow Jones, Janus, S&P500, etc) rather than a fixed rate. Show a client how an annuity can grow their retirement nest egg without any of the large ups and downs of the market. A strong illustration can help you show a client how an annuity can protect their retirement and give them the peace of mind of guaranteeing a lifetime stream of income.

Here at Pinnacle Financial Services, we provide illustrations based on your specific clients’ goals. Not every situation is the same and fact finding is an integral part of providing the best possible annuity illustration.

Contact Pinnacle Financial Services today to take the next step in growing your fixed index annuity business.

Warren Readinger

Warren Readinger

Director of Sales - Life, Annuity, & LTC

x7794 | wreadinger@pfsinsurance.com

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Aetna’s Value Based Enrollment Program

Aetna’s Value Based Enrollment Program

August 13, 2019

As the Medicare industry continues to grow, so will the way companies try to interpret healthcare needs. As an FMO, it is our job to help pass along all the exciting new programs that companies roll out to both the agents and clients. Available in select markets, Aetna is introducing a program called Value Based Enrollment or VBE for short.

So, you may be asking yourself what a value-based enrollment is and what it entails for you and your clients. VBE is a new option that is available through the Ascend Virtual Sales Office app that Aetna offers for online enrollment of Medicare Advantage plans. After the online enrollment of your client is complete (through Ascend Virtual Sales Office only), you can help them schedule a voluntary health-related survey phone call. This phone call consists of a wellness advocate of Aetna speaking with your clients about what their health goals may be and help them schedule a wellness visit with their PCP (Primary Care Physician). Please be aware that agents are not allowed to be present with their clients while this call is being done.

There are 3 options to complete the VBE with your client. Once the Ascend application is completed, you will have the option to:

  1. Connect Me Now: This is when your client wishes to do the call at that time.
  2. Schedule a Callback: This is if your client wants to schedule a future date and time to complete the call.
  3. Decline: This is if they do not wish to do the VBE call at all.

In order to participate, please keep in mind that you need to be ready-to-sell for Aetna and have access to the Ascend application. In order to get access, you must request it through Aetna’s Producer’s World. Keep in mind, agents who complete the VBE call either now or set-up for a future date, will earn a service fee for doing so.

Why should agents do this? It benefits all parties in the process. The client will get to share their health goals, as well as, set up a wellness check with their doctor. The agent will strengthen their relationships with their clients by helping coordinate their care and make a couple extra dollars doing so. For Aetna, it will help improve their quality of care of members and help gain insights into how to help your clients avoid potential health risks.

Pinnacle Financial Services is always in the loop on all these added programs to help build, and retain, your clients. We have plenty of lead and co-op opportunities available as the Medicare annual election period (or AEP) approaches.

Contact Pinnacle Financial Services today to learn more about Aetna’s VBE program and Medicare required training.

Rob Valincius

Rob Valincius

Director of Sales - Health

x7701 | rvalincius@pfsinsurance.com

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Medicare Advantage Leads

Medicare Advantage Leads

August 13, 2019

Medicare Advantage lead generation is more and more the life blood of insurance agents in the Senior Market. Here at Pinnacle Financial Services we take the time to test all lead programs before we make available. Price, return percentages, appointment ratios and of course closing rates are all factored in to the final decision of whether a program is promoted.

The best Medicare Advantage lead program right now is available to all agents working with Pinnacle. As a FMO for all the top Medicare Advantage carriers, we know going into AEP it’s crucial to have a proven Medicare lead program for our agent distribution.

Are you planning on your best AEP yet? Have you put your goals to paper? Do your goals include a proven lead generation program?

If you have not answered yes to all these questions you need to call us now. Here at Pinnacle Financial Services, our success is measured by our agent’s success

Contact the Medicare experts at Pinnacle Financial Services today at 1-800-772-6881 x7731 or email healthsales@pfsinsurance.com.

Bob Brzyski

Bob Brzyski

Vice President - Marketing & Business Development

x7742 | bbrzyski@pfsinsurance.com

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Annuity Fact-Finding

Annuity Fact-Finding

August 12, 2019

In the annuity department at Pinnacle Financial Services, “What’s your best Annuity?” is a question we get all the time. But with just a little of pertinent information, this question can be answered easily.

As part of Annuity Fact-Finding, some additionally important questions will include: how old is the prospect? Are they in the accumulation or distribution phase of their planning, (are they looking for growth or do they need income)? What is their time horizon for income?

At Pinnacle Financial Services, we strive to give our agents the absolute best options for their clients. Our main priority is to help you get the sale! The best way we can do that is by training our agents and advisors to effectively Fact-Find once they have identified a qualified Annuity prospect.

The more information you have about your prospect, the better we will be at determining the best solution. Just like if you were to go see a doctor, the doctor wouldn’t just look at you from the waiting room and write you a prescription… No, they would ask you some questions first, determine your symptoms, and then identify a course of action. The role of a good agent isn’t much different when it comes to making a sound recommendation. The question, “What is the best Annuity”, is extremely subjective and personal for a specific client. But will a couple of easy to follow question it can make all the difference in giving the, “best annuity”, for your client.

Need help ironing out your fact-finding approach? There are so many resources out there today, it may be overwhelming. The agents that work with us here at Pinnacle Financial get the benefit of our years or experience and trial-and-error! We have Fact-Finding questionnaires that are designed specifically for the Annuity sales discussion and provide coaching for our agents on how to professionally walk a client through a Fact-Finding appointment.

For more information, contact a Pinnacle Financial Services representative today!

Josh Horton

Josh Horton

Senior Sales Director - Life, Annuity, & LTC

x7707 | jhorton@pfsinsurance.com

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2020 AHIP Training

2020 AHIP Training

August 9, 2019

2020 AHIP Certification Training is available as of, June 17, 2019

This is the first step in becoming certified to sell 2020 Medicare Advantage plans.

Pinnacle Financial Services has all the certification information for all of the Medicare Advantage carriers available including any and all discounts including:

Remember, certifying for 2020 will also certify you for 2019 products.

As more information about which carriers will require AHIP for 2020 certification becomes available, you’ll be able to find it in the AEP toolkit on www.pfsinsurance.com.

This will give you access as well to all of the 2020 Medicare Advantage first looks. Don’t be last finding out all of the upcoming product enhancements coming to Medicare Advantage. Medicare Advantage has offered extra benefits in addition to those covered by traditional Medicare. These supplemental health benefits include dental, vision, and hearing. Now, MA plans have new flexibility to offer more supplemental benefits – a consequence of the CMS Rule expanding supplemental benefits for Medicare beneficiaries. The new expanded benefits include in-home care, caregiver support, transportation, and meal delivery to name a few.

The Medicare experts at Pinnacle Financial Services are here to help. Call today to get ready to have the best AEP selling season yet.

Don’t forget to visit our YouTube to stay on top of all the latest going on in insurance marketing today including training on our state of the art Connect4Medicare.com. Our all in one quote and enrollment system for Medicare Advantage, Medicare Supplements and Part D is available to all Pinnacle agents at no charge!

For more information, contact a Pinnacle Financial Services representative today!

Bob Brzyski

Bob Brzyski

Vice President - Marketing & Business Development

x7742 | bbrzyski@pfsinsurance.com

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Contact a Pinnacle Financial Service representative today for assistance.

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