United Healthcare Terminates Contract With Houston Methodist

October 7, 2024October 26, 2019 by Jadon Sennet

As of December 31st, 2019, United Healthcare (UHC) plan members may lo

Supplies For Your 2020 Year: Do’s and Don’ts

September 25, 2024October 11, 2019 by Jadon Sennet

Have you ordered your 2020 Medicare Advantage (MA) supplies? The Annual Enrollment Period is only a few days away and with your schedules filling up, it’s important to have supplies ready to go. Do you have all the requirements met in order to place your supply order? Are you going paperless and switching to online enrollments? How much is too much? With this quick article, we will lead you through the Do’s & Don’ts of AEP readiness when it comes to your needed materials for the 2020 AEP.

2020 AEP Supplies Do’s

What carriers did you get certified with for this upcoming AEP? From October 15th to December 7th you will be able to sell supplies to Medicare-eligible clients. If you were able to complete the 2020 certifications and AHIP you should have received an email from your carrier reps about ordering supplies. This email will give you instructions on how to get your supplies as well as marketing materials. The marketing materials are a must for each carrier and will go along with your presentations to potential clients. Be sure to order for all carriers and have some stashed for appointments. You will want to provide the best option for your client’s needs and not just who pays the most. Bring your laptop just in case, to do a paperless application (e-App), which might save you if you run out of needed material.

2020 Don’ts

When it comes to ordering supplies too much can be a bad thing. You might over order and be stuck with plans that you will need to get rid of by the end of the year, so plan thoroughly. Although you can order supplies from around your license state, you don’t want to order things you won’t be able to sell in the areas you are working in. When it comes to selling, do not order or take supplies you are not appointed with. This will get you flagged and the carrier will keep the commissions. If a plan is right for the client, reschedule the meeting then get certified.

If you run out of materials, don’t fret. Although shipment times can be long, you might be able to contact your local rep for extras. Empower Brokerage offers agents the ability to pick up extra supplies we have if you are certified. If you’re in need of supplies check our events calendar for upcoming Open Houses in your area.

AHIP: A Recap of America’s Health Insurance Plans Course & Test

April 23, 2025June 17, 2019 by Jadon Sennet

As AEP swiftly approaches, insurance agents everywhere are gearing up for the

Keeping Your Clients Happy Year Round

July 21, 2025June 13, 2019 by Jadon Sennet

How are you keeping track of your clients? As an insurance agent, your book o

ACA 2019-2020: Is It Right For Your Client?

September 9, 2024June 12, 2019 by Jadon Sennet

With the 2020 selling season slowly approaching, you might be looking for new plans to better fit your clients. Agents might have been avoiding the ACA in hopes to find a plan that better fits their client’s financial needs. Affordable Care Act plans have been known for their high deductible prices and monthly premiums despite being a full coverage plan. Looking ahead of 2020, according to the rate filings for this year, it seems that rates didn’t fluctuate as much as previous years. Does this mean that ACA will be a viable option for your clients?

What Is The ACA?

The ACA, also known as Obamacare, is a health reform law that provides Americans with access to affordable health insurance. However, in the past decade, health insurance prices have been all but affordable for most Americans. The plan attempts to accomplish the above through a number of regulations, taxes, tax breaks, mandates, and subsidies.

Those In the Federal Poverty Level

When deciding if your client would be a better fit for an ACA plan instead of other alternatives, you must first judge your client’s current situation. There are two groups best served by an ACA plan. The first group of people are those within 250% of the federal poverty level. The plans are offered to these people at a low-cost coverage premium through the ACA’s Tax Credit. Those who fall into this category also have lower deductibles as well as co-pays because of cost sharing reimbursements.

Serious Health Complications

The other category of clients who might be a better fit for the ACA than other plans are those with certain health conditions. The Affordable Care Act is a guaranteed issue, which means everyone who applies is accepted. Other Health providers usually have a system of underwriting which can cause certain clients to not be accepted into certain plans. Clients with serious health conditions that might not make it through underwriting will receive acceptance into an ACA plan. Clients who also have high bills due to their conditions also might want to enroll with an ACA plan due to it actually helping lower the expensive bills.

Increase Your Life & Financial Business for 2019-2020 with Weekly Webinars

August 23, 2024May 9, 2019 by Jadon Sennet

Looking for ways to increase your Life & Financial business? Life & Finacial Specialist, Enrique Torres, has over the last few months hosted weekly webinars, equipping you with the tools needed to have a successful year.

These webinars include but are not limited to:

Training Videos
Carrier webinars
Mobile App tutorials
Life & Finacial tools

These webinars are co-hosted by guest speakers from each carrier presented, giving you knowledgable information on new products as well as best selling practices. These webinars although Life specific so far, will include annuities, long term care, and disability income insurance.

We know what you’re asking. How do you sign up to be a part of this opportunity to increase your business? To join in and be apart of these weekly webinars contact Enrique Torres, Life & Finacial Specialist, by phone at 817-410-5812 and he will instruct you on how to get signed up. You can also email him at Etorres@empowerbrokerage.com, in order to join the email list for a weekly reminder of the webinars. Webinars are every Tuesday morning at 9:30 am (CST) giving you the ability to block off the time each week.

But what if you miss a webinar? No worries, each webinar recording can be accessed through their previous registration link, Enrique can provide. He also created a page where all previous recordings are conveniently available to all that want to partake https://www.gotostage.com/channel/lifeandfinancial. This means with a little catching up, you can watch all webinar recordings from the beginning of the year! Don’t miss out on your chance today, to prepare yourself for the 2019-2020 year.

Life Insurance: Overcoming Your Clients Objections

July 21, 2025May 9, 2019 by Jadon Sennet

There are many obstacles when it comes to selling life insurance. The biggest

National Life Group: New Flexible Whole Life Product TotalSecure

August 23, 2024May 8, 2019 by Jadon Sennet

Empower Brokerage 2019 Senior Summit Day 1

August 22, 2024April 23, 2019 by Jadon Sennet

On April 15th & 16th, Empower Brokerage flew in the top producing agents

Cigna HealthSpring Wellness Exam Rewards

August 23, 2024February 1, 2019 by Jadon Sennet

Cigna Offers $50 Gift Card For Examining Your Health

Agents,

Preventive care and screenings are vital to our customers’ overall health, and it’s our goal to help them stay as healthy as possible. Cigna-HealthSpring has been encouraging customers to get their free yearly 360 exam (wellness exam) with a customer bonus incentive offered through for the first half of 2019!

Cigna-HealthSpring Medicare Advantage customers in eligible markets or plans* – who complete their yearly 360 Exam (wellness exam) between January 1, 2019 and May 31, 2019, and return the signed provider form – have the opportunity to receive a $50 gift card to one of three retailers of their choosing: Walmart, Amazon, or Subway.

This is a positive benefit for our customers, and we want to be sure that you’re well informed in the event that you receive questions. For additional details about how this program works, please review the following Program Overview and Quick Reference Guide.

If customers have questions about the $50 Prevention Bonus Program, please refer them to the Customer Service phone number on the back of their ID card.

What Is Preventive Care?

Preventive care screenings help our clients reduce risk and avoid disease. By taking action and presenting these options to your client you could possibly even save a life. It is important to do these screenings, which fall into three categories: cancer screenings, cardiovascular disease screenings, and immunizations. Whether you’re male, female, or even a child, there are about 20+ screenings that specifically cater to each group since our bodies all experience different circumstances. Preventive screenings can also save your client money in the long run. On average these screenings save close to 3.7 billion dollars in medical bills annually in America.

If you have any questions about this program, please contact your local Cigna-HealthSpring Broker Sales Representative, or call the Cigna-HealthSpring Agent Assistance Line (HAAL) at 866.442.7516.