- Oh, that is awesome.
Okay, that is, just talk--
- [Sylvia] Will you explain that I was
having a bad hair day?
That we just try to distract you from it.
(upbeat country music)
- [Director] All right, "Wednesday Wrap-Up" in 23
and marker.
(clapperboard claps)
- Hey, I'm Rebecca Gordon.
- And I'm Rebecca Gordon.
(Rebecca laughs)
- And on this edition of Weekly Wednesday Wrap-Up,
we're gonna talk about the Medicare finder button
and a bunch of other odds and ends, so stay tuned.
(upbeat rock music)
Okay, so a lot of you might be wondering,
Sylvia's new, cool look.
She was actually at the French Couture show in Paris
and this evidently is the new look, so.
- What they're rockin' people.
- It's what they're rockin'.
Actually, she was struggling with a hair day.
So this is our--
- So we tried to distract you from a bad hair
with even worse hair.
- This is a better option. - Okay, so one of the things
I wanna start off with is the United Healthcare's
revel opportunity for agents to make an extra 50 dollar
fee on every Med Advantage plan, not just DSNP
as when they started off.
They're not calling it health risk assessment anymore,
they're calling it a health assessment, so if you see--
- Ha!
- Ha, if you se HA, we're talking about the ability
for you to sit with your client, get them to log
into the computer and answer some health questions
and you will get an extra 50 dollars.
- 50 bucks.
- Now, nobody's paying attention to that because
less than 10 percent of our agents have actually
done the certification, have logged into the portal
to be able to do the Revel module and it is AEP time people.
Don't let that money go away,
it's on the table. - Oh my gosh.
Should we do some math?
- Don't even do math, don't even do math.
- I'm not even gonna do the math.
- I'm just saying, you're crazy to walk away from that.
- Don't walk away.
I wanna talk about, we had a situation last week
where an agent was arguing that Part B.
- Hey!
- Oh my God, you're back!
Yay!
- I'm puttin' these back on.
- Very cool, would be credible coverage that the VA
would be credible coverage.
- For Part B.
- For Part B as in boy.
- So the agent was adamant.
- And that's not true.
- And we're like, no it's not.
And they're like, no you need to go check.
I get that all the time.
Like, buddy, this is all I do.
I live, sleep and breathe Medicare all day long.
(heavily inhales)
Since 2002.
- I love Medicare.
- So, of course, I went and checked it, 'cause whatever,
I'm losing my mind.
- Right, something could've changed.
- And it's not changed, the VA is not credible coverage
for Part B.
- But it is for Part D.
Ding, ding, ding.
- That's where the agent was getting confused and that's
why we appreciate those of you that are watching
our video and are gettin' a little bit every week.
It's hard to keep this stuff in your head,
so thank you for watchin'.
- Thank you.
- Thank you, peace out.
Okay, so one of the things I wanna talk about is
Part D chargebacks.
- Ugh.
- So, if you write somebody for a October, November
or December 1st effective date, so right now,
the end of 2019, and then they change plans for 2020,
you don't get a chargeback.
You don't get that 90 day chargeback, which is good.
But there's a lot of other things that you won't
get a chargeback for because CMS deems that they're
not in the best interest of Medicare.
So, for example, somebody's going into a nursing home,
an institution, if somebody a dual eligible is moving
from a MA to a MMP.
If they become LAS eligible.
- They will not get chargeback.
- The agent does not get the chargeback.
Plan termination's not a renewal.
CMS sanctions against the plan.
Gaining or dropping employer or union sponsored coverage.
Okay, so there's a whole bunch of stuff, death,
I mean, we're dealing with older people,
that does happen, right?
And so agents should not be getting a chargeback
for these other things. - If that happens.
- If you would like that list, ask us in the comments.
We'd happily give that to you.
- Another thing that we have available to use,
our Medicare finder cheat-sheet, it's a fantastic piece
that Sylvia put together.
Step-by-step-by-step, it could not get easier if we tried
and if this is something you'd like to get, put it in
the comments and we'd be happy to send it your way.
- Something nice that Humana is leading the way on
is that they are allowing your clients to have their
prescription history uploaded into the Medicare Blue Button.
The MyMedicare, so one thing the agents are not doing
a good job on, is we're not getting our members signed up
for the MyHumana App so they can go in there
and get those Humana 360 benefits and it's not too late
for your 2019 clients to just go in there
and claim those benefits.
But remember, once you set up the account and they start
going in, get their physical, get their colonoscopy,
get their mammogram, it takes a while before it will
load in there and then you can go in and help them
download those gift cards to Walmart.
- We should do another show on that just as we get
the one up. - Right.
The year's not over, it's not gone yet.
But, this is a great thing that Humana's leading
the way on and I assume that all the carriers
by this time next year will have the ability
for all their prescriptions to go straight up
into the Blue Button.
- Well I'm glad you just asked that because we look
at All Well.
- Bong! - Bing!
- Bong! - Ping!
Sweet, so All Well has a Blue Button thingy also.
So within they just kicked this incentive off yesterday
and basically for all your clients.
- My favorite,
favorite part of the show. - You can get a 30 dollar...
Thank you baby, go girl!
Go girl!
For using the Blue Button and extra 30 dollars
administrative fee.
- On top of the 50 dollars.
- On top of the value, they call it value based enrollment.
- They call it VBE.
- Veh-beh-eh.
So it's 80 bucks for getting the drugs
uploaded as well as connecting it to all
the other health. - So y'all just
don't want money.
If you're not going ahead (teeth chomping)
and doing these things, you just,
you don't care about money.
- What is goin' on?
- United American, which, basically is one of my favorite
companies of all time because they pay lifetime level
commissions on Medicare supplements.
- That's nice.
- And if that's not sweet, again, you don't like money.
So they are changing a lot of their rules, effective
October 1st and one is, you ain't never gonna replace
United American app, because if you went into the house
and you wrote United American, you wrote them
on a high-deductible Plan F and I go back into
the house and I write them on a Plan F,
I'm not gettin' paid.
- Original agent.
- Only the original agent is getting paid.
Okay?
So, you might wanna think about that before you try
to replace one because you won't get paid.
Now, a lot of carriers have similar rules,
most of 'em aren't that strong, but they're similar,
like you only, for a replacement you might get 50 percent
or if you replace your own policy you might only
get 75 percent or 90 percent or 50 percent.
So we have a cheat-sheet on that also.
Trying to, you know, make this easier for you
and it's called, don't work for free.
- Never. And I'm gonna go in the next
episode and I'm gonna go into that a little more too
because guarantee issue Med Sup is an area
where agents aren't aware they don't get paid
on a lot of guarantee issue business.
- Right, then it's too late.
- And Anthem is amazing 'cause Anthem pays full commission
on all guaranteed issue. - Thank you anthem.
- And I think they're the only one.
I think, they might be the only one.
So, as we go further into AEP with Medicare Advantage
and you have some plans, I don't know many that are
pulled out yet, but we'll get plans that do the
service area reduction.
They're out and everybody's gotta move and they're
all guaranteed issue in the Med Sup market.
Be careful because that guaranteed issue will catch you.
I remember Mark H. called one day and he was like,
yeah I wrote like 50 already, blah blah.
And I was like, oh holy God of mercy, do you know
you're not getting paid?
He's like, whaa?!?! (high pitched scream track)
(Rebecca laughs)
Nobody consults their commission statement
for all those. - What?
- Why don't you talk a little about
non-commissionable plans?
- Why don't I?
(Sylvia laughs)
- You love when I throw you that?
- Yeah.
- So remember I said,
especially on the DSNP? - We rehearse this stuff.
- Especially on the DSNP. - She doesn't...
- Remember when I said?
- You know, we did this like three weeks ago.
- I know, but remind people because they don't.
- What is this?
- This is me telling you.
- What is this?
This is like her duck.
There are some plans that are non-commissionable.
We see this in the DSNP market.
- See, she knows it.
- I've not seen anything like that with Anthem, so.
- What I'm saying is, people don't check
their commission statements.
- You have to go on to the website.
They list their products in which are
and are not commissionable.
You gotta check it, they're not
publicizing anything. - And it changes.
It changes all the time.
- It could change everyday.
- Right, so you sold a bunch of it last month
and they're like, effective November 1st, these
three plan numbers are non-commissionable.
So it's the same thing with the guaranteed issue
business before you write a bunch of guaranteed issue
business, check or if you work with Gordon Marketing,
go into the comments and ask us for our cheat-sheet
that we've made to help our agents and our agents only.
- We love our agents. - And if you wanna be one of
our agents, ask us how, you only need to sell on product
with us to be one of our agents.
- And then you're in the family.
- Then you can have all of our stuff that we're making.
- You could be on the show.
- Yes, you could.
So, that's all I have.
- That's all I have.
- Thanks for watching.
- See ya.
- Okay, we have a special guest that's in the office today.
The president of the largest marketing company
in the country, AmeriLife marketing.
We have, ta-da! (drumming on table)
Mark Graham!
- Hello, how are you doin'?
- In charge of AmeriLife marketing group.
And Mark, why did you come here?
- Number one, I wanted to come and say thank you
very much for 15 years of good partnership.
We've been working with Gordon Marketing
for 15 years. - Psych!
(Sylvia laughs)
- Left me hangin'.
- So one of the things I don't think agents realize
is that there's not that many FMO's in the nation
and that most of us are really good friends,
that we work together, we fight, you know,
we compete against each other, but at the end of the day,
we are friends and compatriots and a lot of times
we have contracts with each other and we are really,
you know, have a deeper relationship than maybe
the agents even know.
Mark did come up to Indiana today to bring Rebecca
and I a present.
- I've been watching you on a lot of your different videos
and I figured this was a perfect gift for you
and in turn I gotta gift as well.
- He gave me a Hooters hat.
Now, I don't think you have to know me very long
to know that I can't possibly ever touch this
to my head.
So, I gave him the, ask me about my feminist agenda shirt.
Can you zoom in on this shirt?
I would like a still of Mark Graham with this shirt.
I don't know if he's still gonna have a job
when he gets back to AmeriLife when they see this,
but this is a true partnership.
Psych, psych.
- Again?
- Gotta go off on that again.
Hey, thanks for comin'.
- Hey, thanks for havin' me.
(upbeat rock music)