Unlocking Extra Earnings: Exclusive Opportunity for Pinnacle Agents

Unlocking Extra Earnings: Exclusive Opportunity for Pinnacle Agents

Unlocking Extra Earnings: Exclusive Opportunity for Pinnacle Agents
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By Serena Tippett, Regional Vice President at Pinnacle Financial Services

The fast-paced Annual Enrollment Period (AEP) is behind us, offering agents at Pinnacle Financial Services the opportunity to pause, reflect, and prepare for the Open Enrollment Period (OEP). At Pinnacle, we understand that success thrives on year-round opportunities. That’s why I’m thrilled to discuss an exclusive product designed to boost your earnings: Signify Health.

Introducing Signify Health

In today’s ever-changing market, diversifying your portfolio isn’t just smart—it’s essential. Signify Health is a unique program available exclusively to Pinnacle agents, providing in-home health evaluations for your clients. These evaluations ensure clients are staying healthy at home by checking vital signs, reviewing medications, and identifying safety risks. Best of all, you’ll earn an additional $50 for every completed visit you schedule.

Why Choose Signify?

Signify Health is more than an income opportunity—it’s a chance to elevate the level of service you provide to your clients. By incorporating Signify into your workflow, you can seamlessly integrate value-added health services that enrich your client relationships.

Here’s why it works:

  • Effortless Integration: Scheduling in-home visits through Signify’s portal is quick and easy.
  • Enhanced Client Retention: Offering additional services like health checks strengthens your role as a trusted adviser.
  • Supplemental Income: With $50 per appointment, it’s a simple way to add to your earnings while improving client care.

Expanding your offerings with Signify Health helps bridge the gap between traditional policies and the personalized care clients appreciate. This proactive approach builds trust and sets you apart as a comprehensive resource for your clients.

How Signify Works

Getting started with Signify Health is simple:

  1. Collect your client’s basic information (name, date of birth, and Medicare Beneficiary Identifier).
  2. Enter the details into the Signify portal to confirm eligibility.
  3. Schedule an in-home or telehealth visit at your client’s convenience.

Each health assessment takes about 30 minutes and includes vital checks, medication reviews, and a discussion about the client’s health and home environment. Your clients may even receive additional perks, such as gift cards, for their participation—making this a win-win for everyone.

Year-Round Earning Potential

What makes Signify Health truly stand out is its flexibility. Unlike other programs tied to enrollment periods, Signify is available year-round. This means you can maintain client engagement and sustain your business momentum, even during quieter sales cycles.

By leveraging this program, you’ll not only bolster your income but also reinforce your role as a trusted partner in your clients’ health and well-being.

Take the Next Step

At Pinnacle, we’re committed to providing agents like you with tools to succeed. I encourage you to explore the opportunities Signify Health offers. Dive into our webinars for a complete walkthrough of the Signify portal, or reach out to me for personalized guidance.

Let’s redefine service excellence together. Incorporate Signify Health into your practice today and unlock your earning potential while delivering unparalleled value to your clients.

Watch the full video on this webinar here: View on Youtube

For more information, contact a Pinnacle Financial Services representative today 1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Regional Vice President

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

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2025 Medicare Advantage Commissions- Did not take effect

2025 Medicare Advantage Commissions- Did not take effect

2025 Medicare Advantage Commissions- Did not take effect
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CMS UPDATED– See updated commissions after the final rule changed- 2025 Medicare Advantage Commissions- Take Two

2025 Medicare Advantage Commissions have been announced. Commission increases will take place for 2025 Medicare Advantage and Medicare Part D sales per the announcement by the Center for Medicare and Medicaid Services, (CMS).  Click here for document.

We know from the 2025 Final Rule that the FMV compensation was increasing by $100/$50. The 2025 compensation also includes the annual adjustment.  Also, PDP compensation is increasing by $100/$50 which will have wide-ranging impacts on the plans.

FOR CA, AND NJ

  • Initial MA commissions increased from $762/member/year to $880/member/year.
  • Renewal commissions increased from $381/member/year to $440/member/year.

FOR PUERTO RICO AND THE U.S. VIRGIN ISLANDS

  • Initial MA commissions increased from $418/member/year to $528/member/year.
  • Renewal commissions increased from $209/member/year to $264/member/year.

In all other states, initial MA commissions increased from $611/member/year to $726/member/year. Renewal commissions increased from $306/member/year to $363/member/year.

For more information, contact a Pinnacle Financial Services representative today 1 (800) 772-6881 x7731 | sales@pfsinsurance.com

vice President of Marketing

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

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Care Partners | Important Update: Discontinuation of HRA Payment Program Effective February 1, 2025

Care Partners | Important Update: Discontinuation of HRA Payment Program Effective February 1, 2025

Care Partners | Important Update: Discontinuation of HRA Payment Program Effective February 1, 2025
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Thank you for your hard work and dedication throughout the 2025 Annual Enrollment Period (AEP). Your contributions were essential in our combined efforts to grow our respective businesses.

As you know, we continued to honor compensation for completing Health Risk Assessment (HRA) forms throughout 2024. We believe in and understand the value of the broker channel and made the decision to maintain the HRA payment throughout AEP so you and your teams could benefit. Now that AEP has concluded, we have made the decision to discontinue this program. This decision does not impact commission payments for new and renewing business. We will continue to stand with you and pay you for the value you bring to our company.

Effective February 1, 2025, Tufts Health Plan and CarePartners of Connecticut will no longer provide payment for completed HRA forms. We will, however, honor all HRA forms submitted to us by January 31, 2025, regardless of the member’s effective date.

Should you have any questions or need further clarification, please do not hesitate to reach out to our Medicare Broker Support team at medicarebrokersupport@point32health.org or call 833-984-2387. You can also contact your Broker Relationship Manager.

For more information, contact a Pinnacle Financial Services representative today 1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

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

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Cigna | Stay compliant during OEP

Cigna | Stay compliant during OEP

Cigna | Stay compliant during OEP
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OEP do’s and don’ts

Tips and reminders to ensure you stay compliant during OEP.

The annual open enrollment period (OEP) for Medicare Advantage (MA) has officially started. OEP takes place from January 1 through March 31. During this time, individuals enrolled in an MA plan can make a one-time election to switch to another MA plan (with or without Part D coverage) or return to Original Medicare (with or without Part D coverage). 

It’s important to know what to do and what not to do during OEP. To help you stay compliant, we have put together some helpful tips below. 

To view the full Code of Federal Regulations, click here.

During OEP, you can:

Market to Medicare Advantage age-ins who have not yet made an enrollment decision

Send marketing materials when a customer requests information.

Conduct one-on-one meetings at the customer’s request.

Provide information about OEP through the call center if a customer asks.

Market to dual-eligible and LIS beneficiaries who, in general, may enroll in a standalone Part D plan once a month.

During OEP, you cannot:

Send unsolicited materials advertising or referencing OEP directly to your customers.

Purchase mailing lists or other identifying information to specifically target customers during OEP. 

Engage in or promote activities intended to target OEP as an opportunity to make further sales.

Call or otherwise contact customers who selected a new plan during AEP.

For more information, contact a Pinnacle Financial Services representative today 1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

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

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CMS | Changes Medicare Disaster/Emergency SEP Process to no longer allow direct enrollments by agents.

CMS | Changes Medicare Disaster/Emergency SEP Process to no longer allow direct enrollments by agents.

CMS | Changes Medicare Disaster/Emergency SEP Process to no longer allow direct enrollments by agents.
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Change to Beneficiary Use of the SEP for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency

This memo announces a change to how beneficiaries can make an election using the Special Election Period for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency (Disaster/Emergency SEP).

Beginning on April 1, 2025, individuals wishing to use the Disaster/Emergency SEP must call 1-800-MEDICARE in order to make an election. Medicare Advantage Organizations and Part DSponsors will no longer accept elections directly from beneficiaries using theDisaster/Emergency SEP. Plans will receive Disaster/Emergency SEP elections only viadownload from the Health Plan Management System (HPMS) Online Enrollment CenterManagement module.

This change is in response to concerns that have been raised by plans about the misuse of the Disaster/Emergency SEP to enroll beneficiaries who were not affected by a declared disaster/emergency.

This change will be effective for all enrollment requests with an application date on or after April 1, 2025. To avoid applicant confusion, plans must remove the Disaster/Emergency SEP from enrollment forms and other enrollment mechanisms prior to this date.

If a plan receives an application using the Disaster/Emergency SEP with an application date on or after April 1, 2025, the plan should treat the application as incomplete. The plan must reach out to the applicant to determine eligibility for another election period and to inform the applicant that they need to call 1-800-MEDICARE in order to use the Disaster/Emergency SEP. If the applicant is only eligible for the Disaster/Emergency SEP, the plan should deny the application for failure to provide the information to complete the application.

Plans should inform prospective applicants who may be eligible for the Disaster/Emergency SEP that they must call 1-800-MEDICARE in order to make an election under the Disaster/Emergency SEP. TTY users should call 1-877-486-2048. 2

For MARx submissions, the SEP reason code will remain “01,” however it will be moved to the “CMS approval required” group. For OEC crosswalk purposes, the S reason code via OEC will remain “DST.” Updates to the Plan Communication User Guide (PCUG) and more information from the MA-PD Help Desk will be released in the coming months. Additionally, we will update our model enrollment exhibits and descriptions of the SEP in the Medicare Advantage and Part D Enrollment and Disenrollment Guidance in 2025.

CMS will monitor OEC transactions and plan submissions in MARx to ensure plan compliance with this change.

Plan questions can be submitted to our mailboxes:

  • Enrollment and Eligibility Policy Mailbox: https://enrollment.lmi.org/deepmailbox
  • MA-PD Help Desk: mapdhelp@cms.hhs.gov
For more information, contact a Pinnacle Financial Services representative today 1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

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

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