We receive every type of information in a timely manner and well in advance of deadlines of which there are many. It is a truly a pleasure to work with Larry and his team.”
Ceri, Sterling CO
“I have been working with Larry Bishop for the last eight plus years. I highly recommend him to others as an FMO. Over my years in this business, what I have learned is that most FMOs are only interested in talking with you as they get you assigned under them. After that, you are lucky to hear from them again as they tend not to return calls. Their interest is in recruiting, not retention.
Larry has been very helpful and supportive over the years. He does return calls and takes a genuine interest in my success. Larry has been very good about communicating changes or new rulings of the Humana plans that he represents, making sure I have the tools to do my business. There have been times when he could get me the packets I needed faster than I could obtain them from customer service in the peak of the season. On one occasion I was sent three boxes of the wrong plans for my counties; he paid the postage to have them sent to him so he could distribute them to others in need. I consider Larry to be one of the best in the business.”
Now that the Supreme Court has ruled the Health Reform Bill as constitutional, it appears to be moving full speed ahead into 2013. State, association, and commercial health exchanges, premium tax on Medicare Health Plans, and dramatically increased access for previously uninsurable individuals across the country are all on the horizon. Oh yeah, and the requirement to carry health insurance, unless you are willing to incur a penalty for continuing to go without.
Okay, so we’re all familiar with the basics... AEP runs October 15 to December 7 (six months from tax day to “A day which will live in infamy”), MADP runs January 1 to February 14 (New Years to Valentines Day, piece of cake), and the rest of the year, or ROY as they call it at Humana, runs February 15 through December 31.
Then there’s those “other scenarios,” hundreds of them it seems. I need an overhead projector and a flow chart to make sense of them all. Well, rather than chew up our entire morning reviewing the scenarios, let’s take a look at one each day until we nail down five of the most common.
Before we take some time to celebrate the blessings of life, liberty, and the pursuit of happiness in this country, I wanted to take a break from industry-related discussions and information and wish you a Happy 4th of July.
I came across this video recently and was inspired by hearing our Declaration of Independence read aloud. I would encourage you to watch it if you have the time.
If you must use paper (like during pre AEP, October 1 - 14), write legibly and complete the entire form. Any enrollments received by Humana that have even a single blemish go right into the pend file.
Go to electronic enrollment. Using an electronic enrollment method like a digital signature (DSig), telephonic signature (TSig), or electronic signature (ESig) will cut your risk of a hiccup in commission payment execution by more than 75%!
Tags: Humana Medicare Plans, MAPD enrollment, electronic signature, Medicare Enrollment Advisors, Humana’s Medicare health plans, PDP enrollment, digital signature, electronic enrollment, telephonic signature
Make certain you are appropriately licensed, appointed, and certified in Humana's systems before AEP—whether you're an agent or agency, confirming both resident and non resident licensure in the states you plan to service, as well as the appropriate appointments and certifications for the products you plan to represent, is a great way to keep submitted enrollments from pending.
Special Note** This is especially important for those markets expanding their product lines to include HMO and/or PPO in 2013. For example, pends can occur with agencies not properly appointed for HMO, even if their agents are!