Close to 4 million people turn 65 every year.
That's almost 11,000 people a day who will benefit from a Medicare Supplement plan.
MACRA
MACRA
MACRA and what it means for your clients...
MACRA goes into effect on January 1, 2020.
What is MACRA?
The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) is a federal law that affects plans that can be sold to newly-eligible Medicare beneficiaries.
Effective January 1, 2020, newly-eligible Medicare beneficiaries will not be able to purchase plans that cover the Part B deductible.
What does MACRA mean to my clients?
For current Medicare Supplement policyholders –
December 31, 2019 –
Newly-eligible are those who first become eligible for Medicare due to age 65, disability, or end-stage renal disease on or after January 1, 2020.
What can I do now?
For your clients who are current Medicare Supplement policyholders or are Medicare-eligible prior to January 1, 2020, reassure them that their policies and/or plan
options do not change. They can keep their existing coverage.
What is MACRA?
The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) is a federal law that affects plans that can be sold to newly-eligible Medicare beneficiaries.
Effective January 1, 2020, newly-eligible Medicare beneficiaries will not be able to purchase plans that cover the Part B deductible.
What does MACRA mean to my clients?
For current Medicare Supplement policyholders –
- Their Medicare Supplement policy does NOT change.
- NO action is required.
- They can purchase a plan that covers the Part B deductible (Plans C, F, and High Deductible F).
December 31, 2019 –
- Their Medicare Supplement options remain the same as today.
- They can purchase a plan that covers the Part B deductible (Plans C, F, and High Deductible F).
- Their Medicare Supplement options will change.
- They cannot purchase a plan that covers the Part B deductible (Plans C, F, and High Deductible F).
- The guaranteed issue plans that will be available to them are Plans D, G, and High Deductible G, which is a new plan.
- They are referred to as “newly-eligible” under MACRA.
Newly-eligible are those who first become eligible for Medicare due to age 65, disability, or end-stage renal disease on or after January 1, 2020.
What can I do now?
For your clients who are current Medicare Supplement policyholders or are Medicare-eligible prior to January 1, 2020, reassure them that their policies and/or plan
options do not change. They can keep their existing coverage.
Two Ways to Get Medicare
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Original Medicare Operated by the Federal government. Medicare pays fees for your care directly to your doctors/providers. Part A Pays for part of your hospital costs. Part B Pays for your doctor and outpatient care. Part D (+ Medicare Supplement) Stand-alone prescription drug plans can be added to help with the cost of prescription drugs. |
Medicare Advantage (Part C) Plans are private health plans that contract with Medicare. PPO-HMO-PFFS-SNP Medicare pays a fixed fee to the plan for your care at the doctor and hospital. The plan pays the doctor and hospital directly. Part D Prescription drug coverage can be part of these plans. A PFFS plan is the only plan that can add drug coverage (separate) to the plan. Additional Benefits Often included, such as dental and vision, and nurse help lines. Most plans have a cap on out of pocket expenses. |
We've gathered everything you need to know to begin selling Medicare Supplements to your clients.
Medicare Supplement Agent Benefits
Many agents write 1/3 to 1/2 of their annual
Medicare Supplement business in the 4th quarter of every year.
Medicare Supplement business in the 4th quarter of every year.
No Mandatory
Annual Certification 
Protects Your Business &
Generates New Business |
No Mandated
Product & Marketing Training 
Electronic Apps for Efficient
& Accurate Submission |
Contractually Guaranteed
Renewal Commission 
Quote Effectively & Quickly
with Our Resource for Rates |
We hold only direct carrier contracts. How does this benefit you as a producer? Based on the volume of business we do with our carriers, when you need something resolved, we have the ability to get a resolution quickly and correctly. With regards to commission levels, you will receive the highest commission levels possible, because there is no "middleman".
We offer an online quote engine with all of our carriers, giving you access to real-time quotes and prices to the best plans in your area for your specific clients, 24/7. This is only one part of the carrier and product selection process.
We believe it’s imperative that our producers create complete solutions for their clients, and take an earnest interest in their clients’ well-being. This includes identifying specific needs and addressing them accordingly. As we assist you in making the correct choices for your clients, you in turn build a lasting relationship with them.
We believe it’s imperative that our producers create complete solutions for their clients, and take an earnest interest in their clients’ well-being. This includes identifying specific needs and addressing them accordingly. As we assist you in making the correct choices for your clients, you in turn build a lasting relationship with them.
Questions? Reach out to our Medicare & Senior Solutions Sales Managers
Medicare Supplement Carriers We Represent
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