The COVID-19 crisis continues to affect everyone, including the way they make a living. Here in Pennsylvania, Governor Wolf has increased stay-at-home warnings to include the threat of “loss of license” for agents who attempt to work in the field. The bottom line for insurance agents, as with the rest of the community, is to stay home. Fortunately, there are still ways to help your clients and complete enrollments. Most carriers have instituted new policies and procedures to allow for sales to be completed over the phone from beginning to end. We have also seen a big increase in the use of our Connect4Medicare online enrollment system, free for all Pinnacle agents. Now is a great time to call current clients to add on necessary ancillary products, like Hospital Indemnity Plans, as well as targeting those people turning 65 who still need to enroll during this outbreak.
Selling Medicare Remotely through Online Enrollment
There are many different options for online enrollment. Each of the carriers has introduced or enhanced their online platforms in recent years to help make the process easier for both agents and clients. United Healthcare has LEAN, Aetna has Ascend/Rate, Anthem has mProducer, Humana has FastApp, and the list goes on. Each of the carrier’s online tools allows you to search for Providers as well as enter drug information for the client. You would still need to complete a compliant presentation, but these tools give you everything you need to complete the application. Remember you can also use the Medicare website to see all the plans as well. Any agent who works with Pinnacle also has the option to use Connect4Medicare, which combines all companies into one portal.
Selling Medicare Remotely using Connect4Medicare
Connect4Medicare allows you to see almost any company that you are active within one portal. You can quote the plans and enroll the client all in one place. This tool also allows you to enter all the client’s medications to show them the true cost for the year and make a more informed decision. You can lookup providers and pharmacies as well. Using Connect4Medicare is compliant and the sites are all individually filled with CMS, but you still need to abide by the Medicare Marketing Guidelines. The tool will help facilitate this for you. In addition to sitting with the client, Connect4Medicare provides the option of sending the application to be finished and signed by the client at home. You can also use your personal URL to build your own website to send to clients to quote and enroll on their own.
Selling Medicare Remotely with Voice Signature
You may work with clients who don’t have the use of email or computer. You still have the option of enrolling them without having to visit them in person. You always start by completing a compliant presentation by phone, but when you get to the actual application portion, you would call or connect them with the option of the specific carrier with which they are looking to apply. Most of the carriers, if they did not already, have provided options for voice signature since the COVID-19 epidemic started.
1 (800) 772-6881 x7731 | sales@pfsinsurance.com
Jeff Palo
Senior Sales Director - Health
Contact a Pinnacle Representative if you have any questions.
1 (800) 772-6881
support@pfsinsurance.com
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