Bishop Marketing Agency Blog

Bishop Marketing and Practice Health Partnerships team up in NYC

Posted by Lance Hoeltke on Wed, Oct 08, 2014 @ 04:42 PM
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Tags: Humana Medicare Plans, Humana Medicare Agents, Medicare supplement plans, selling Medicare Advantage Plans, MAPD enrollment, Marketing Humana Medicare Plans, Humana’s Medicare health plans, Medicare Annual Enrollment Period, Medicare Advantage growth, Humana MAPD plan, Medicare Beneficiaries, Get to know Bishop Marketing Agency, Lance Hoeltke, MAPD Distribution, Medicare lead generation

Larry affirms his Medicare Health plan selection two months later

Posted by Larry Bishop on Tue, Jun 18, 2013 @ 02:59 PM
Thirty three years ago when I started selling Medicare Supplement plans, in the back of my mind I knew someday I would be on Medicare myself.  What I did not know was the range of choices that would be available to me beyond traditional Medicare Supplement plans.
 
As I have indicated in the past my wife and I went onto Part A and enrolled in Part B of Medicare this year.  I started on May 1st and my wife February 1st.   Just some background, the past eight years I have had a high deductible plan with Life Wise of Washington state.  We had a $6000 family deductible plan and was paying about $700 per month the last year we had the plan.  I had also enrolled in an HSA eight years ago as well so today the balance of my HSA account is over $50,000.  As most of you know this fund can be used for co-pays for doctors visits as well as prescription drugs.  
 
My wife and I both chose the $0 premium MA only PFFS plan available in Washington state. (My wife does take some prescription drugs so I enrolled her in Humana's WalMart standalone PDP, as I do not take any drugs, I chose not to enroll in a PDP.)  This is a Medicare look alike plan meaning I am responsible for the Part A hospital deductible and 20% of the Part B outpatient expenses, however, there is no Part B deductible, I pay 20% from the first dollar of charges.
 
I have used this plan three times so far, twice at the ophthalmologists and once at the dermatologists.  I could not be happier with how the plan works.  First of all,   I am not paying for my healthcare in advance in the form of a premium.  Not for a high deductible plan like I did before going onto Medicare or for a traditional Medicare supplement.  I am only paying for 20% of the Medicare approved charge and that is a lot less the than the $8400 in premium I paid for Pat and I last year.  If I had chosen a traditional Plan F my premium would have been around $200 per month for me and $200 for Pat or about $4800 per year.  
 
I have my annual physical scheduled for the fist week of August with the doctor I have had the past several years.  In past her office accepted Life Wise.  Before going onto Medicare I called my doctors office to explain I was planning on enrolling in Humana's MA only PFFS plan.  The office manager explained they did not officially accept Humana but as I was currently a patient, the office would accept Humana's terms and conditions and bill them directly so I could continue to keep my current doctor.
 
So far I could not be happier with the choices I have made.  I now go to the downtown YMCA using Silver Sneakers and no longer pay $55 per month to OZ fitness.  The best part is on October 15th I can look at all the options available for 2014 and make a new choice if I find a better option with no pre-existing conditions or waiting periods.  The new choices today really are a win win situation for Medicare beneficiaries like me. 
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Tags: Humana Medicare Plans, Agent Testimonial, MGA Testimonial, Bishop Marketing Agency, Humana, Medicare supplement plans, selling Medicare Advantage Plans, ICEP, Medicare choices, Medicare Health Plans, PDP enrollment, Medicare Annual Enrollment Period, Medicare options, seniors choose Medicare Advantage, Medicare Advantage growth

What, me worry? Medicare Advantage is going to be fine.

Posted by Lance Hoeltke on Wed, Apr 03, 2013 @ 02:33 PM

Over the last several months I had heard it all. Medicare Advantage is going away. The days of the Balanced Budget Act are back. Time to call in the dogs and put out the fires. But wait, a 3.3% increase to reimbursement rates? What happened to the 8% reduction? Looks like all the anxiety over Medicare Health Plans was for not.

Time and time again we have seen this play out in similar fashion. Government programs are introduced or adjusted, and instead of detracting from the potential of the market, it creates more opportunity than ever before. This phenomenon goes all the way back to the inception of the Medicare trust fund, to the standardization of Medicare supplements, to the MMA, and now Health Reform known as the Patient Protection and Affordable Care Act. Contrary to initial reactions, history shows us that these laws have created enormous opportunities for agents and agencies who are prepared.

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Tags: Medicare choices, Health Reform Bill, Medicare legislation, Patient Protection and Affordable Care Act, Medicare Health Plans, Medicare Advantage, Medicare options, Medicare Advantage growth, marketing Medicare Advantage, Medicare Modernization Act

How might the Affordable Care Act affect Medicare Advantage?

Posted by Lance Hoeltke on Tue, Feb 19, 2013 @ 11:30 AM
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Tags: Humana Medicare Plans, Bishop Marketing Agency, selling Medicare Advantage Plans, Medicare choices, MAPD enrollment, MAPD and PDP membership, Health Reform Bill, Medicare legislation, PDP, Affordable Care Act, Medicare Health Plans, Medicare Advantage, PDP enrollment, Medicare options, seniors choose Medicare Advantage, Medicare Advantage growth, Medicare Modernization Act, CMS, Lance Hoeltke

Healthcare Costs Down. Medicare Advantage Enrollments Up. Correlation?

Posted by Lance Hoeltke on Fri, Feb 15, 2013 @ 08:32 AM

Earlier this week I read that our country’s spending on health care has been at historic lows for a third straight year. The conclusion was formed by comparing health spending growth rates to the overall growth of the economy, reasoning that it’s easier to keep up with the costs if the two are aligned, than if health spending surges ahead.

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Tags: Agent Testimonial, Bishop Marketing Agency, selling Medicare Advantage Plans, Medicare choices, MAPD enrollment, MAPD and PDP membership, medicare, Health Reform Bill, Medicare legislation, MAPD, Medicare Health Plans, Medicare Advantage, Humana’s Medicare health plans, Medicare options, seniors choose Medicare Advantage, Medicare Advantage growth, Medicare Modernization Act, Medicare Beneficiaries, Get to know Bishop Marketing Agency, selling Medicare products, CMS

Seniors are still choosing Medicare Advantage Plans

Posted by Lance Hoeltke on Mon, Oct 22, 2012 @ 12:32 PM

 

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Tags: Medicare choices, MAPD enrollment, MAPD and PDP membership, Health Reform Bill, MAPD, Medicare Health Plans, Medicare Advantage, Medicare Annual Enrollment Period, Medicare options, seniors choose Medicare Advantage, Medicare Advantage growth, marketing Medicare Advantage, Medicare Beneficiaries, AEP, Medicare AEP