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- Hey, happy holidays.
- Merry Christmas happy December 20
- Happy December 23rd.
- Thank you for joining inspire our fire
as we talk about when you will get paid
for all the work you did during AEP,
when you will get that BBE HR a money, which is separate.
And how do you get ready for OEP?
- OEP. Here we go now.
- Stay tuned.
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- All right. When can people expect their money?
- Okay.So,
per CMS rule,
they can not pay you
for AEP business until
after January 1st.
So when that first, that rule first went into effect.
Here's what like,
well, cool.
- Yeah no doubt.
- We can pay any time after January 1st.
And they were paying way after,
and then like a little arms war started
and they were fighting to see who could pay faster
to differentiate in themselves, which was good for agents.
- Yeah.
- And United came out of the shot, boom paid on January 2nd.
I can't pay faster than that.
It does vary by carrier.
And we asked anybody when they're going to pay
United said, "yeah, we will pay on January 2nd."
- Awesome. Thank you.
Anthem said, "we will pay sometime the week
of January 6th".
- January six.
The next day
- You can do that
- As you might imagine,
WellCare did not take our call.
No, just kidding.
(laughing)
Wellcare said, "we will pay the week of January 15th."
Aetna said they will pay on the fifth.
And Humana said, "don't quote me on this,
but we're going to pay between the eighth and the 15th."
So in general, that's really good news,
because none of them were saying February,
which is what we had dealt with in the past,
where a lot of them were like, we'll pay
When we want to pay you because we can keep it on interest,
and we don't have to pay it
because the government said we don't have to pay it.
So everything is good.
It's coming.
It just will vary
because some people get that UHC check the first week.
And now they're like, where's the rest of my money?
Give me my money.
- I want my money.
- How about the BBE, the HRA that help assessments.
People who doing this season to get that extra $50.
- So the carriers,
we know that Humana and Anthem are paying in January.
- So I'll give a shout out.
Chris Marie to WellCare, and that's been paying all along
and Aetna it's been paying all along.
- Awesome.
- That was nice.
Thank you.
- Thank you.
- And United fall down on this one a little bit.
Cause they said they're not going to pay until February.
Okay? You can't be the best at everything,
but you can try to get that out there.
- Maybe this year.
- I don't think we're going to have that VBE next year
because the way CMS changed the rules.
So if you did it
and you made some extra money,
- smart
- Extra fee, you were smart,
and you were going to help the company.
Let's talk about OAP.
- OAP
- Agents keep saying what,
- They say that?
- Yeah. I don't know why it's so confusing.
- This is a
- Three months.
- I don't know why it's so confusing though.
People because they know they can get in big trouble,
from a compliance standpoint.
- Right.
- So they're nervous because they can't do certain things.
What can't they do?
- You cannot market that to people that you can change.
- You can't say
- Willingly change.
- It's OAP. You have one change.
- We can rewrite it.
- If You don't like your med advantage that you picked
during AEP call me and I can put you in a new plan.
You can't say that.
So people think, Oh my God, I can't say anything.
- Right.
- And then they call us,
and they say why is this company doing seminars and mailing,
and sending postcards to my clients and running
TV ads and what. You can still market.
Just do what you normally do all year long.
Just don't mention OEP.
- Right.
- Don't put it in your marketing materials,
your print materials.
Don't say it to anybody verbally.
Just don't say it.
Just say, are you having questions
about Medicare or are you ready to retire?
Are you blah, blah, blah?
Do your normal marketing.
And if they come to you,
you might have to use your OAP election.
Okay, So don't panic.
OEP is fine. Just don't use the word OEP.
- It's also a really good time
for all of your clients since your doing AEP,
to get them to go and use their insurance.
- Yeah. So the best way you can cut down on complaints
and rapid dis-enrollment and other people's snagging
your clients during OEP,
is for you to proactively call all your clients
that you wrote during AEP and say, how's it going?
Have you used your insurance yet?
Have you scheduled that physical?
You know, Humana has that go 365.
You can get 25 bucks.
If you get a physical and you get a flu shot
and you get a mammogram and you do all those things
have you signed up for the go 65?
Have you signed up Humana rewards or all the different.
Yeah.
Have you used your OTC card?
The way you retain agents;
give referrals, build persistency,
stop complaints is not going on vacation January 1st.
- Be touchy
- Is yeah.
Is touching them.
- Be sticky.
Those are called sticky products
- Calls them
- To stay relevant.
- And it's funny, the young people are so crazy.
So my son, has a virtual assistant, right?
Cause you go on Fiverr and you pay somebody $4 an hour.
And he's like, I want you to call my clients.
And I want you to ask them if they'd use it and explain it,
and blah, blah, blah.
(laughing)
And the young people think we're stupid.
You think we're all living in the dark ages
which in many respects we are like, you know
but if you would like a virtual assistant,
and you want help figuring out how to set that up
we can do that for you.
- (partner) It's funny.
- If not, hire a teenager
or do super old school like me, where you just call them
I just sit there and call so many people a day.
How's it going?
Have you used your plan, your questions, your doc.
- Sometimes that old school is the best way.
- And just get ahead of those complaints,
Cause some people will say, I am really mad
because I got my ID card and it says this doctor,
and I don't want to see this doctor.
It's like PPO, don't see the doctor.
- Right.
- No, you don't have to see the doctor.
It's not a gatekeeper. It's PPO.
They had to have a doctor's name on it.
And if you remember when we applied,
which they don't cause it was two months later though
you didn't have a doctor because your doctor retired.
And we, and I just picked one and you said that was fine.
And I told you, you didn't have to see him.
So you just have to refresh people's memories
because a lot's happened in their life
with COVID in the holidays too.
And kind of resell it a little bit
and stop those complaints.
Because for us as the FMO level
what happens the first quarter is all the complaints come
in. Okay, you did this, you did that.
And now we have to help you get those complaints responded
to in a timely manner.
A lot of you blow them off and you get terminated.
- I'm gonna have to take off the sweater
Cause I am just about ready to pass out. It's so hot.
- Okay. Well Merry Christmas to everyone.
Happy holidays.
Thank you all for working with us.
I hope you have a safe and happy holiday.
- Am dying.
- Let's cut the film before she takes her, her cutoff cut.
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