Bishop Marketing Agency Blog

Veterans and Medicare Plan Enrollment

Posted by Lance Hoeltke on Thu, May 22, 2014 @ 12:31 PM

We often get questions relating to the enrollment of Medicare eligible veterans outside of the Annual Election Period.  In short, veterans are treated just as any other Medicare eligible person.  There are a few things to note, however, when working with a veteran who is Medicare eligible.  Here's a short list of things to consider when helping veterans make an informed decision about Medicare Advantage enrollment:

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Tags: Humana Medicare Plans, Humana Medicare Agents, Humana, Medicare choices, MAPD enrollment, MAPD and PDP membership, CMS marketing guidelines, PDP, HMO, Veterans and Medicare, Medicare Health Plans, Marketing Humana Medicare Plans, Medicare Advantage, Humana’s Medicare health plans, PDP enrollment, Medicare Annual Enrollment Period, Medicare options, Humana MAPD plan, Medicare Beneficiaries, CMS guidelines

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

After 33 Years in the Business, it's My Turn!

Posted by Larry Bishop on Wed, Feb 13, 2013 @ 07:57 AM

Many of you may know that this year will be a milestone birthday for me. I turn 65 in May! In the past I never associated Medicare benefits with my own personal circumstances, but now it’s become something I think about frequently. I’d like to share some of the experiences I’ve had recently, and hope you find it insightful as you grow your business and interact with folks like me for years to come.

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Tags: Humana Medicare Agents, Bishop Marketing Agency, ICEP, Medicare choices, Humana Insurance, MAPD and PDP membership, PDP, Medicare Health Plans, Medicare Advantage, Medicare options, Medicare Beneficiaries, Get to know Bishop Marketing Agency, digital signature

Which would you rather have: unlimited renewals or a six year tail?

Posted by Lance Hoeltke on Fri, Aug 10, 2012 @ 09:44 AM

I had an agent tell me recently that “United was more generous than Humana because they offered unlimited renewals.” Currently, Humana offers a six-year tail on MAPD and PDP enrollments, which begins with either the “initial” or “replacement sale,” as CMS defines it.

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Tags: Humana Insurance, MAPD and PDP membership, PDP, Humana’s Medicare health plans, PDP enrollment, Humana MAPD plan, MADP

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