An AEP like no other
This Annual Enrollment Period (AEP) is poised to redefine the landscape of Medicare Advantage and prescription drug plan sales, presenting unprecedented challenges and changes that demand adaptability from industry professionals as consumers shop plans like never before.
The richness of value-added benefits that carriers traditionally offer consumers will see a notable reduction due to the Centers for Medicare & Medicaid Services (CMS) funding adjustments and legislative impacts from the Inflation Reduction Act (ACT).
These adjustments include a significant decrease in annual out-of-pocket expenses for prescription drugs (from $8,000 to $2,000) and introducing an option for beneficiaries to manage their Part D out-of-pocket costs through capped monthly payments on a new Medicare Prescription Payment Plan. CMS will also impose strict regulations on sharing personal beneficiary information among TPMOs, requiring prior express written consent for one TPMO to share personal beneficiary information data with another TPMO.
And, of course, the lead generation domain won't be spared from these sweeping changes. The new Third-Party Marketing Organization (TPMO) rule enforces a one-to-one ration for lead generation, effectively eliminating the resale of leads. Thus fundamentally alters lead generation and distribution methodologies, coupled with new restrictions on sharing personal beneficiary data, reshaping how agents manage and use leads.
In the face of these sweeping changes to AEP 2025, working with the right partner is more important than ever. At PSM, we provide agents with the resources, one-on-one mentorship, and hands-on support they need to navigate these complexities confidently. From regulatory guidance to lead generation strategies, we are fully committed to helping you adapt, grow, and succeed in this evolving landscape. We ensure you have the tools and expertise to thrive in this unprecedented AEP season.
2025 AEP READINESS RESOURCES
PSM is your one-stop-shop for valuable resources including:
- Certifications: An entire page devoted to certification links and instructional guides
- Training: Medicare training, from basic to advanced
- Compliance: Notes and bulletins on important compliance considerations
- Enrollment Solutions: Scope, Quote and Enroll on a single compliant platform
- Guides: Complete guides on selling Medicare Advantage, Medigap and more
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