Our 2025 Annual Enrollment Period (AEP) Guide is here, and we couldn't be more thrilled to share it with you! Carefully curated and packed with valuable insights, this guide is your key to success as you navigate the upcoming enrollment season. From tips on maximizing your productivity to strategies for optimizing your performance, this essential resource has everything you need to excel during this critical time of the year. 

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

2025 MAPD Plan Previews have just been released by Cigna.

Take a sneak peek at our 2025 plans, products, and featured markets.

Cigna's 2025 Medicare Advantage (MA) Preview are now available! In it, you'll find information about their 2025 MA plans, products, and benefits which are designed to add value to your customers' lives. This upcoming year, you can expect to see our MA plans in 29 states and the District of Colombia.

More details included in 2025 Preview:

• Advantages to working with Cigna Healthcare
• Supplemental health benefits
• Featured products
• Customer profiles
• 2025 markets
• Featured plans and highlights by state

Complete the request form to receive all the details right to your inbox.

Please keep in mind, plan previews are for agent use only and not intended for the general public. Please do not share with any beneficiaries prior to October 1, 2024.

2025 AEP Preparation Guide

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

2025 AEP Preparation Guide - Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

2025 MAPD Plan Previews have just been released by Devoted.

2025 AEP Preparation Guide

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

To keep you on track, we have gathered the certification release dates below so you can easily note these crucial dates on your calendar. Stay tuned for more details.

In addition, we have organized the certification instructions and requirements for the carriers offered through PSM Brokerage all in one easy to access location. These certification pages will be updated as more information is released for the 2025 plan year. Don't hesitate to reach out to us if you have any questions.

2025 AEP Preparation Guide

Get ready to elevate your game and make the most out of this AEP with our comprehensive guide. Read online or Download it in printable PDF format and start preparing for a successful enrollment season ahead.

Start selling AdvantageGuard today!

AdvantageGuard, the new Hospital Indemnity product underwritten by Golden Rule Insurance Company, a UnitedHealthcare company, launches in District of Columbia and 15 additional states: Alaska, Colorado, Delaware, Hawaii, Kentucky, Maine, Minnesota, Mississippi, North Dakota, New Hampshire, Ohio, Rhode Island, South Carolina, South Dakota, Wyoming.

In this comprehensive agent training session, we will conduct an in-depth exploration of benefits offered by the AdvantageGuard Hospital Indemnity plan, along with a detailed analysis of the eligibility criteria. 

Explore AdvantageGuard benefits

Clients can choose the benefits that best fit their needs and budget, all backed by a insurer with an "A+" AM Best rating². AdvantageGuard offers convenient cash benefits paid to the insured, making it a smart choice for clients who want help with covering out-of-pocket expenses, like their Medicare Advantage plan copays.

Request details today and start offering this new plan to your clients. Precision Senior Marketing is an independent broker agency offering plans underwritten by Golden Rule Insurance Company and other insurers.

¹Payable per day (limits apply) when Insured Person receives a prescription delivered by injection in an outpatient provider setting. State variations apply. Not available in all states. 

²Additional premium applies.

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Agents Only. Not Intended For Consumer Use

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Here are some actions you can take to guarantee beneficiaries receive ongoing support:

Welcome and Confirmation
Within the first few days their plan is in effect, be sure to call your clients to verify they received a welcome guide and member ID card. Provide a summary of their plan details and contact information for any immediate questions or concerns.

Educational Materials
Share educational materials about their specific Medicare plan, including coverage details, benefits, and any relevant policy changes. Help clients understand how to maximize the benefits of their plan.

Post-Enrollment Guidance
Offer guidance on how to navigate the healthcare system with their new coverage. Provide information on finding healthcare providers, understanding prescription drug coverage, and utilizing preventive services.

Regular Check-Ins
Establish a schedule for regular check-ins to ensure ongoing support. These check-ins can be via phone, email, or in-person, depending on client preferences. Use this time to address any questions, concerns, or changes in their health needs.

Assistance with Claims
Be proactive in assisting clients with understanding and navigating the claims process. This includes clarifying how to submit claims, addressing billing concerns, and advocating for them if issues arise.

Annual Plan Reviews
Conduct annual plan reviews to ensure that the client's coverage still aligns with their evolving healthcare needs. Discuss any changes in health or lifestyle that might warrant adjustments to their Medicare plan.

Reminders for Key Events
Send reminders for important events, such as open enrollment periods or wellness check-ups. Keeping clients informed about key dates ensures they stay proactive in managing their healthcare.

Addressing Changes in Coverage
Promptly inform clients about any changes in their coverage, such as adjustments to premiums, copayments, or benefits. Transparency is crucial in maintaining trust and preventing dissatisfaction.

Educational Events
Host educational events or webinars to keep clients informed about Medicare changes, new healthcare initiatives, or relevant health topics. This positions you as a valuable resource and reinforces your commitment to their well-being.

Referral Programs
Introduce referral programs to encourage satisfied clients to refer others. This not only contributes to business growth but also fosters a sense of community and loyalty.

By following these compliance guidelines, and taking this proactive approach, you contribute to a positive experience for both beneficiaries and the industry as a whole. Thank you for taking a few minutes out of your day to view this message we're always here to help so feel free to reach out with any questions or comments you may have.

We hope you enjoyed last week’s edition of Marketing Masterminds. In this session, Bobby and Brian further reinforced their sales process and answered live questions from our attendees.

If you couldn’t make it, we recorded the session for you to watch by clicking this link.

A copy of Bobby and Brian’s sales process is also available here.

Want to join us for another Q&A session? We’re hosting 2 more during AEP that you can register for by clicking either of the links below!

Thursday, November 9 at 1:00pm ET

Wednesday, December 6 at 1:00pm ET

Start selling AdvantageGuard today!

AdvantageGuard offers broad, customizable solutions for clients seeking easy and reliable hospital indemnity coverage. With guaranteed issue coverage options for seniors aged 60-74¹ and a focus on flexibility and affordability, AdvantageGuard makes it easy to find the help they may need with unexpected costs.

Your client's new option for help covering Medicare Advantage plan copays

Clients can choose the benefits that best fit their needs and budget, all backed by a insurer with an "A+" AM Best rating². AdvantageGuard offers convenient cash benefits paid to the insured, making it a smart choice for clients who want help with covering out-of-pocket expenses, like their Medicare Advantage plan copays.

Request details today and start offering this new plan to your clients. Precision Senior Marketing is an independent broker agency offering plans underwritten by Golden Rule Insurance Company and other insurers.

 
1Guaranteed Issue cases must be equal to or less than the GI max allowable base and rider benefit selections. Applications submitted where one or more base or rider benefits exceeds the allowable GI max will be subject to Simplified underwriting.

212-month Commission Advance is only available through YourFMO.com, LLC. contract

3Payable per day (limits apply) when Insured Person receives a prescription delivered by injection in an outpatient provider setting.

4Ratings as of 12/09/2022. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com.

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Agents Only. Not Intended For Consumer Use.