- Hi, I'm Sylvia Gordon.
- And I'm Rebecca Gordon.
- We're gonna talk about some great news
from UnitedHealthcare Medicare Advantage
that I'm so excited to share with you,
and some great stuff from AARP.
- And some great stuff from-
- From-
- A lot of other places.
- [Both] Stay tuned.
(upbeat music)
- Hope you had a great holiday.
Hope everybody stayed healthy and safe,
and New Year's is right around the corner,
so we're hoping you'll stay home
and be super bored by yourself.
No.
- So... - Yes.
- UnitedHealthcare started off with their Passport program
years ago which would allow you typical snowbirds
to go to a state that had a participating county
and make that your home county
so you wouldn't be out-of-network.
- Awesome program.
- It was awesome. - Great for people who travel.
- And then most of the carriers copied it
and they didn't copy it to the extent
that you see with United, but they copied it,
which is all good for the industry.
Well, now they've gone to a nationwide PPO.
- Wow. - Okay, a nationwide network.
So the problem is, and since I sell, I got a lot of clients,
and I tell every client on the Passport program,
before you go to Florida, call customer service
and them you're gonna be in Lee County, Florida
for three months, then blah, blah, blah, blah, blah.
You know how many of them don't?
- Whole bunches.
- Whole bunches of them don't.
You know who doesn't, Dad.
Dad, right?
So, but my aunts, love you, my aunts do, okay?
So we've got-
- At least we've got them protected.
- Very proud of my aunts cuz I will call them.
I said, "Do you do this?"
They go, "Oh yeah, heck yeah, we always,"
"you told us to, so we do it," okay?
But if you don't do it, then you're out-of-network.
You have the higher cost.
Your maximum out-of-pocket could be 10 grand.
It could be a big surprise bill, blah, blah, blah.
With the new program from UnitedHealthcare,
you do not have to call customer service.
- It's automatic?
Wherever you go, it follows you?
When does this start?
- And-
- And there's more.
- I started a couple months ago, I think,
or it's definitely for 1/1.
- Got it.
But the West Coast was never participated.
- Right, California always had hardly anybody.
And that caught me.
One of my favorite clients went
to California for her cancer treatments.
Yeah, so California is in.
California, Colorado, boom, bop, bop, bop, great news.
- That's awesome.
- Some more innovations.
- Some more innovations in good news,
AARP just added dental to all their med supps,
which is huge.
- Yeah, so I'm looking at the same thing.
I'm looking at you, every other med supp carrier.
A dental benefit would be very, very attractive,
and shout out to United for leading the way.
- United.
- Leading the way. - Leading the way.
I just want to point out our awesome shirts,
and I want to do a super cool plug for these.
We had these shirts made.
They are autographed by us, the stars
of the Weekly Wednesday Wrap-Up, and they can be yours
for $20, and all proceeds, 100%, we will donate to NAHU,
and all we ask-
- Is that you take a picture in the shirt in something-
- A waist up.
- Not X-rated, we'll say.
It doesn't have to be PG, but not X-rated,
and we will put you on the screen during the video.
So Mike Hopkins-
- You know you want this.
- Keep it a little clean and we will put you up here.
- And all you reps that love to watch our show,
this can come your way.
- Yeah, and we will give a call out to your product,
so Dan, if you want to get more Bright Health coverage-
- Yup, right.
- Buy the shirt. - Wear the shirt.
- And then we'll put you up there.
- And we're all supporting NAHU,
so what could be a better deal than that?
- Right?
- Let's talk about Eliquis.
- Eliquis, man, that is one expensive blood thinner.
- Very expensive.
- Very expensive, and we did some digging
to see who might be able to help financially with it.
- And GoodRX has it for $500.
- Yeah, that's expensive.
- Those of you that still aren't aware
of what's going on with these other discount programs
look into them.
Help your clients download the app on their phone,
and teach them how to use it
before they use their health insurance card,
before they put that Part B card down there.
Have them check because it can be
a tremendous amount of savings.
Now, if they use the GoodRX, it won't count
towards their Part D, the component factor.
- Right, gotta save them money.
- But lot of people can't afford the co-pays
on their drug plans.
- Bristol Myers has a lot of programs.
You can check out the Pfizer RxPathway.
They have programs as well, but that is one expensive drug.
Cigna, we love Cigna.
- We love Cigna.
- And sometimes carriers have glitches.
- We're talking about Cigna-HealthSprings,
so on the med supp side, y'all good,
but on the med advantage side,
you guys have messed up our contract,
and we have the phone ringing non-stop
about people going, what happened, what happened?
And we didn't do it.
- We didn't do it.
- So Bob worked really hard to make sure
nobody would have problems, and they gave him insurances
it wouldn't, and it all happened, so when we screw up,
we try to throw ourselves on our sword,
and we're sorry, and try to make it up to you,
but when the carriers throw up, throw up-
- When they throw up, it is a mess.
- When the carriers screw up, they hide.
They hide, right?
- Speaking of carriers throwing up,
what the heck happened with this SEP and COVID?
- Yeah, there's three carriers.
- You know who you are
- You know who you are.
- That started calling agents on December the eighth
and telling them that there was a COVID SEP,
and they weren't calling us.
They didn't call our marketers,
or they called our agents directly.
Hey, good news, good news.
- Did you hear this is happening?
- And then our agents are calling us and going,
"Oh, I didn't."
We're like, "Because it's not true."
"It's not true."
And that was really-
- That was a time-waster.
That was really-
- That was a big time-waster.
- Yeah, malpractice on their part
to be spreading disinformation.
You have the internet in your pocket.
Google it.
You can Google it and find out that there was a COVID SEP,
and I think it ended on June 30th, and there is speculation,
and the NAHU Council, we have sent a letter to CMS
requesting that they do make a COVID SEP,
and they might still make one.
The problem is with the changing of administration,
in a normal year, if there wasn't an election
it would be very likely we would get a COVID SEP
because this year has been such a mess,
but we do not have one right now.
- So, if you mess up, own it, be done with it.
- Yeah, own it.
There's three carriers out there.
You know who you are.
And it wasn't Cigna.
Cigna-HealthSprings was awesome.
They did not do that.
- Hey, let's talk about Humana and their Healthy Foods card.
- Humana also did not do that, okay?
- Thank you, Humana.
- And Mike Jones, I want to see you-
- In this shirt. - In a shirt.
But so they're they're going to stop that program
at the end of December.
- It makes it look more collegial if we drink coffee.
- There's nothing in your cup.
- But I don't drink coffee, so.
- You don't have anything in your cup.
- I try to give the image of a coffee drinker.
- But you're not even looking like you're really drinking.
- I don't know how to drink coffee.
- That's funny, so that program, they were rolling it over
due to COVID.
- Hey, Dad, you can come in and say, hi.
- Come and say hi.
We're live to our millions of followers and viewers,
but that program will end December 31st, 2020.
- They allowed it to roll over, dirt.
He's back in, back out.
He was supposed to come in.
- Oh, it's- - Oh, he had to sneeze, okay.
So they were rolling it over,
but now it's use it or lose it,
and this is where agents can really be a hero.
- Holy cow, absolutely.
- Call your clients,
and same with the over-the-counter benefits.
The majority of people never use it
more than the first time,
and part of that's because they get a form,
and they fill out the one form, and they think they're done.
They don't get four forms.
- Right.
- They're supposed to go online, set up an account,
and order the rest of their stuff,
and they never do that.
So, man, if you're slow right now
that is a wonderful thing to do.
You can get your people some stuff.
- What a great holiday call to make.
Let's go shopping really easy.
- Right, right, right.
- And then lastly, I want to talk about
President Trump wants to send every senior
a $200 discount card.
- And he's been talking about this for months.
He tried to get this out before the election.
- Well, and it's passed.
It gained a lot of ground with an industry panel,
so it's looking really good, and if it does pass,
it should go out by the 1st of January,
but the IRS is saying that there could be some hurdles
because it doesn't meet typical standards
for health card benefits.
So hopefully that'll pass and I'll be good.
- I'll try to give some love.
The last thing I wanted to remind you guys
is that they did pass a new stimulus package, and so-
- God, your hand is cold.
- I know, and that's why I'm single,
and a lot of you will qualify to get another PPP loan
small business Paycheck Protection loan.
A lot of you agencies, the first time,
a lot of you guys didn't apply for it
because you thought you were too small.
What the heck, go apply, and apply as soon as possible
because like the last two times,
the money will run out fast,
so if you are running an agency,
I think they put a new requirement,
and you have to show a loss or first quarter 2020
over first quarter of 2019 or something.
They put something else in it, but look into it.
Have your CPA help you and go for the money
while there's still money for you to be had
because everybody's suffered some kind of loss
during this COVID.
- No doubt.
It's New Year's Eve, so please be safe.
We don't want to lose anybody,
and we'll look forward to-
- A great new year, an exciting-
- Please, dear God, a better 2021.
Thanks for watching.
- Good selling.
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please consider hitting the red button.
- Please consider.
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