Plan Advisors Blog

Bishop Marketing and Practice Health Partnerships team up in NYC

Posted by Lance Hoeltke on Wed, Oct 08, 2014 @ 04:42 PM
Read More

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

Bishop Marketing offers Total HIPAA Compliance ‘s Online HIPAA 2.0

Posted by Lance Hoeltke on Thu, May 08, 2014 @ 08:15 AM

Check out the press release below detailing the latest offering for our team of agents!

Read More

Tags: Humana Medicare Plans, Bishop Marketing Agency, Medicare supplement plans, selling Medicare Advantage Plans, MAPD enrollment, Medicare legislation, Total HIPAA, Medicare Health Plans, PDP enrollment, marketing Medicare Advantage, CMS guidelines, HIPAA compliance and training, MAPD Distribution

With So Many Marketing Restrictions, Walmart Workstations are Gems

Posted by Lance Hoeltke on Wed, Jun 26, 2013 @ 09:44 AM
So you want to grow your Medicare client base through MAPD and PDP education and enrollments. Well, you can’t call anyone, even if they’re referred to you. Can’t email anyone, unless they give you permission to. Direct response can be effective, but requires an investment to yield response rates of approximately 1%. 

Prospecting in the Medicare space requires creativity, professionalism, and optimizations of the remaining pathways to Medicare beneficiaries allowed by CMS and your state DOI. One opportunity that has proven to be a powerful way to engage new clients is through the Walmart workstations made available to authorized agents during AEP. 

It is said that 80% of Medicare beneficiaries live within 15 minutes of a Walmart! Through Humana’s strategic alliance with the world’s largest retailer (3,700 stores), an agent may cover a shift in the store of their choice, provided they are equipped and certified to represent the portfolio of Humana products available in their market, and can commit to a predetermined shift of at least six hours per week (e.g. Monday/Wednesday 1pm-4pm). This pathway is deemed an unadvertised seminar by CMS, meaning hours committed to must be reported to CMS for secret shopping opportunities. Nevertheless, it is a wonderful resource for engaging new Medicare beneficiaries (or their friends and loved ones) in their quest to determine the best product available for their specific needs. 

In our experience, over 70% of the best performing agents last year played a role at a Walmart workstation last season, so there’s a high correlation between productivity and this resource. Of course this is also predicated on the degree of effort and focus the agent demonstrates while present. Interfacing with the local store and pharmacy managers and staff also helps drive interested parties to your workspace accordingly. 

Like anything else, you get what you put into it. We believe this to be a wonderful opportunity for ambitious agents out there in the Medicare space, and provide over 500 store coverage opportunities nationally on behalf of Humana. Want to learn more? Fill out this form to get started.
Read More

Tags: Medicare supplement plans, Humana Insurance, Walmart Workstations, Medicare Health Plans, Marketing Humana Medicare Plans, Humana’s Medicare health plans

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. 
Read More

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

How well do you know your election periods? LIS (Low Income Subsidy)

Posted by Lance Hoeltke on Thu, Jul 12, 2012 @ 10:09 AM
There are about 1.5 million Medicare Beneficiaries taking advantage of the Low  Income Subsidy benefit for MAPD and PDP products (not including Duals), with an  estimated two million additional qualifiers who have yet to apply. 

A LIS qualification also triggers a SEP, and can be validated by member attestation, redetermination letter, or SSA award letter. The SEP is continuous, as long as the beneficiary is eligible for the Part D subsidy. 

For those recently losing their status, the SEPs are as follows:
  • Loss of subsidy at the end of a calendar year yields an election period of January 1 through March 31. 
  • January 1 may be used as a proposed effective date in this case if the enrollment is done prior to the end of the year. 
  • Loss of subsidy occurring at any other time runs similarly to the loss of dual status, beginning in the month in which the beneficiary is notified of the loss, and ending two months following the month of notification.
Read More

Tags: Humana Medicare Plans, Medicare supplement plans, MAPD, PDP, Low Income Subsidy, Humana’s Medicare health plans, Medicare Beneficiaries, Medicare election periods

How well do you know your election periods? Dual Eligibles

Posted by Lance Hoeltke on Wed, Jul 11, 2012 @ 12:21 PM
In case you’ve missed it, we started a little series on election periods. Did you know there are over 20 SEPs (Special Election Periods) for MAPD and Prescription Drug Plans? 

Here’s the scoop on Dual Eligibles:
Dual Eligibles are defined as those having both Medicare and either partial or full  Medicaid benefits. Here are some qualification items you can ask to verify their status: Medicaid Card, Medicaid Award Letter, Medicaid #, or Member Attestation Form. 

As long as they are eligible for dual status they have a continuous open enrollment  period. For those who have recently lost their status (which can be verified by member attestation or state notice showing loss of status), then the SEP begins the month of lost dual eligibility and runs for two consecutive months following the first month.
Read More

Tags: Humana Medicare Plans, Medicare supplement plans, Prescription Drug Plans, Medicare Health Plans, Humana MAPD plan, Special Election Periods for MAPD, Dual Eligibles

How well do you know your election periods? Understanding IEP2

Posted by Lance Hoeltke on Thu, Jul 05, 2012 @ 10:06 AM

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.

The IEP2:

Read More

Tags: Medicare supplement plans, Humana Insurance, IEP2, ROY, Medicare Enrollment Advisors, Humana’s Medicare health plans, Humana MAPD plan, AEP, MADP

The “Get Paid Faster” Series: Practical Solutions for MAPD Distribution: Write Legibly

Posted by Lance Hoeltke on Mon, Jul 02, 2012 @ 12:12 PM

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.

Read More

Tags: Humana Medicare Plans, Medicare supplement plans, Humana Insurance, Medicare Enrollment Advisors, digital signature, electronic enrollment, MAPD Distribution

Getting to know Bishop Marketing Agency—Larry’s story

Posted by Lance Hoeltke on Mon, Jun 25, 2012 @ 12:45 PM
For over 30 years, Larry brought a wealth of experience and thought leadership to the Medicare health plan space. He could best be described by borrowing a quote from author Jim Collins: “Someone who blends genuine personal humility with intense professional will.”

Larry drew his approach to the industry from a value system instilled in him while growing up in the heartland of Wichita, KS. After graduating from Wichita State University with a bachelor’s degree in education, Larry began his career as a kindergarten school teacher in 1972. Over the next seven years he would go on to serve as a third grade teacher and become a K-8 school principal, earning a masters degree in educational administration along the way.

Responsible for supporting a young family at that time, Larry pursued a career in the insurance business in 1980, and began selling Medicare supplement plans. After six years, he joined Union Bankers Insurance Company in Dallas, TX as a Field Vice President, responsible for growing Medicare Supplement and Major Medical business in 14 western states. In 1992 he started the Bishop Marketing Agency in Overland Park, KS, and now supports over 2,000 agents and agencies throughout the United States.

Since 2005, Larry has focused his efforts exclusively on Humana’s Medicare health plans, supporting the production of over 160,000 MAPD, PDP, and Medicare supplement enrollments for Humana to date.

Larry recently celebrated 42 years of marriage to his wife Patricia. They have two children, Sara and Bridger, both of whom have become educators. In his spare time, he loves to travel, exercise, and follow college basketball.
Read More

Tags: Humana Medicare Plans, Bishop Marketing Agency, Medicare supplement plans, Humana Insurance, Larry Bishop, medicare supplemental, Medicare Advantage, Humana’s Medicare health plans