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Annual enrollment period

October 15th - December 7th

Call Recording Requirements

CMS has required the recording of ALL phone interactions between agents and consumers discussing Medicare advantage and Prescription Drug Plans. Recordings must be stored for 10 years. You must records ALL calls in their entirety beginning on October 1, 2022. 

MedicareCENTER will give you the capability to record your calls for FREE and will provide storage along with the capability to download them at any time.
MedicareCENTER
Insurance agent call recording
Request Marketing Materials Request Marketing Materials
    Max file size: 20MB
    Please upload a HIGH resolution logo.

    Product Fact Sheets

    Request a Medicare Annual Enrollment e-Newsletter to accompany your Medicare product fact sheets.
    Picture
    Product fact sheets can be customized with your logo and contact information.

    Social Media Content

    Social media graphics can be customized with your logo, contact info and brand colors.
Submit

Marketing Requirements

On May 9, 2022 CMS put into place the following rules for marketing and communications with regard to offering Medicare Advantage and Prescription Drug Plans for 2023. When marketing these plans the following language must include the message below. If you have materials from us that you use to market these products be sure to request updated content to be compliant.​
​“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.” ​
The message above must be: 
  • Verbally conveyed within the first minute of a sales call.
  • Electronically conveyed when communicating with a beneficiary through email (email signatures), online chat, or other electronic means of communication.
  • Prominently displayed on agent/agency websites and in email signatures.
  • Included in any marketing materials, print materials and advertising.​​
Learn More

Checklist Review

Woman working on laptop completing contracting requests for AEP.
Complete Contracting
Man working on his AHIP training.
Complete AHIP Training
Woman completing her Medicare Advantage product training.
Complete Product Training
Finish any contracting you may have started, complete it and review any carriers you wish to add.​ Carriers have blackout dates where you can no longer move your contract.
Contracting
Be sure to complete your AHIP training. Many carriers offer discounts, but you must access the training through the carriers' agent websites to receive that discount.
AHIP Training
Complete all product training. You'll get notified by the carrier when you’re eligible to being selling. Watch your Inbox carefully for important emails.
Carrier Resources
Man using iPhone to login to MedicareCENTER.
Access MedicareCENTER
Insurance agent submitting electronic application.
Download Part D Plan Finder
Insurance agent ordering marketing materials.
Order Marketing Materials
Login to MedicareCENTER and get familiar with all the new tools available. Download the mobile app.
MedicareCENTER
If you're not offering Prescription Drug Plans be sure to download our Part D Plan finder guide.
Part D Plan Finder
Begin marketing yourself early, and be sure to request our complimentary, marketing materials.
Request Marketing Materials

Carrier Resources

aetna
Picture
Certification Guide
Supply Ordering Guide
​Enrollment Guide
​
First Look 2023
Agent Website
​Contracting transfer blackout dates: 10/1 - 12/31
elevance (Anthem)
Picture
Certification Guide
​Supply Ordering Guide
Enrollment Guide
​First Look 2023
Agent Website
Contracting transfer blackout dates: 10/1 - 12/31
mutual of omaha
Picture
Certification Guide
Supply Ordering Guide
​Enrollment Guide
First Look 2023
Agent Website
wellcare
Picture
Certification Guide
Supply Ordering Guide
​Enrollment Guide
First Look 2023
Agent Website
Contracting transfer blackout dates: 10/1 - 12/8
bcbs
Picture
Certification Guide
Supply Ordering
Supply Ordering Guide
cmsalessupport@bcbstx.com
Agent Website
florida blue
Picture
Certification Guide
​Product Training Guide
Supply Ordering Guide
Tool Kit
Agent Website
silverscript
Picture
Certification Guide
​Enrollment Guide
Agent Website
cigna
Picture
Certification Guide
Supply Ordering Guide
​Enrollment Guide
First Look 2023
Agent Website
Contracting transfer blackout dates: 9/1 - 12/31
humana
Picture
Certification Guide
Supply Ordering Guide
​Enrollment Guide
​First Look 2023
Agent Website
united healthcare
Picture
Certification Guide
Supply Ordering Guide
​Enrollment Guide
Agent Website
Contracting transfer blackout dates: 9/1 - 12/31

MAPD & PDP Commission Rates

Product
Region
2022
Initial
2023
Initial
%
2022 Renewal
2023 Renewal
%
MAPD
National
$573
$601
4.89%
$287
$301
4.88%
MAPD
CT, DC, PA
$646
$678
4.95%
$323
$339
4.95%
MAPD
CA, NJ
$715
$750
4.90%
$358
$375
4.75%
MAPD
PR, USVI
$394
$411
4.31%
$197
$206
4.57%
PDP
National
$87
$92
5.75%
$44
$46
4.55%
Note: insurance carriers are not required to pay the maximum commission rate.
​​Referral fees: MA $100 and PDP $25.

AHIP Training

AHIP Training
Access training for both Medicare and Fraud and Waste and Abuse (FWA). AHIP's online program gives you the background to make informed decisions on Medicare, including plan options, marketing, enrollment requirements, and FWA guidelines.
What you'll learn &  FAQs
  • The basics of Medicare fee-for-service eligibility and benefits
  • Different types of Medicare Advantage and Part D prescription drug plans
  • Eligibility and coverage
  • Nondiscrimination training
  • Marketing and enrollment under the Medicare Advantage and Part D program requirements
  • How to identify FWA
  • An overview of the industry efforts in detecting fraud
  • Legal tools to combat FWA
  • Understand both the human and financial cost of FWA
  • Review Medicare Parts C and D Fraud, Waste, and Abuse and General Compliance requirements
  • Who commits FWA
  • Reporting FWA; loopholes and obligations​
​How much does AHIP certification cost?
The standard cost of AHIP certification is $175, but most carriers will offer a $50 discount making your cost $125.
How many times can I take the AHIP test?
You have 3 attempts to get a passing score of 90% for the final exam.  Some carriers will even allow you to pay another $175 and take the test 3 more times.
How long does my AHIP certification last?
Your certification lasts 12 months and you must re-certify each year.
How do I study for AHIP?
You can download slides from each module for review and take practice quizzes. The actual exam is open book, so you can rely on your notes and practice quizzes to help you. ​The final exam is made up of many questions from the review quizzes which is helpful.
How LONG does it take to complete AHIP training?
You have 2 hours to complete the final exam, but the training modules are not timed, allowing you to pace yourself. Most agents complete the final exam in less than 2 hours and it contains 50 questions. 
Do I have to take the AHIP exam to sell Medicare Advantage & PDP Plans?
Most carriers require AHIP certification before you can take their training to sell their Medicare Advantage or Prescription Drug plans. There are a few exceptions, but it is definitely recommended that you complete AHIP Certification if you plan on selling Medicare Advantage or PDP plans.
How do I transmit my AHIP score to the carriers?
You can transmit your scores directly from your AHIP account. You can also log into the carrier site where you would like your score transmitted and use their internal links to connect to AHIP’s website to transmit your score.
What happens after I complete AHIP certification?
Once you’ve completed your certification and exam, you will receive a link to a printable copy of your certificate.

What can your clients do during AEP?

​1. Change from Original Medicare to a Medicare Advantage plan (or vice versa)

2. Switch from one Medicare Advantage plan to another Medicare Advantage plan
 
3. Switch from a Medicare Advantage plan that doesn't have drug coverage to one that does offer drug coverage (or vice versa)
4. Join a Medicare Prescription Drug Plan (PDP)

5. Switch from one Prescription Drug Plan (PDP) to another PDP

6. Drop Medicare Prescription Drug coverage completely

Medicare Supplement applications:

​Type of application - AEP doesn’t mean the application is automatically Open Enrollment or Guaranteed Issue.

​Open enrollment applies only to persons who are first enrolling in Medicare Part B or turning age 65.
 

​Guaranteed Issue applies only to Medicare beneficiaries who are losing (or disenrolling) in their current health  care coverage under a qualifying Guaranteed Issue provision and these applications must include proof of credible coverage which supports the qualifying Guaranteed Issue event. (Guaranteed Issue provisions vary by state; if in doubt, call underwriting before taking a Guaranteed Issue application. And, don’t forget to attach the proof of credible coverage to the application.)
 

​Underwritten applies to all other applications, where the applicant must answer all of the health questions.
 

​Proof of credible coverage is required for all Guaranteed Issue applications and must be attached to the application (including an e-App). The document must be from each applicant’s current health insurer, include each insured’s name, and include the date each applicant’s current coverage will end.
 

Correct Medicare ID Number and Social Security Number – Record the Medicare ID number exactly as it is shown on the applicant’s Medicare ID card; don’t assume these numbers are always the same.

Connect

800.928.4998
919.489.3600
​919.419.0401 (fax)

info@tbrins.com

​
1480 Chapel Ridge Road
Suite 200
​Apex, NC 27502

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Medicare Advantage & Prescription Drug Plans:
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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