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Archive for December, 2009

Consumer Segment – Individual Medicare PFFS chargeback’s from Aetna

Posted in Aetna, Insurance Products, Procedures on December 31, 2009 | 2 Comments »

Below is an important announcement from Aetna. Individual Medicare PFFS Chargeback’s  During December 2009, the enrollment team processed terminations for all Medicare PFFS members in markets where Aetna withdrew products in 2010. Brokers that were assigned to these members were given a ‘chargeback’ which appeared on their commission statement dated December 14, 2009. Over the weekend, Aetna reversed those chargeback’s, bringing their balance to zero.  This will [...]

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Is Medicare Savings being Double Counted?

Posted in News on December 31, 2009 | 2 Comments »

I heard a Senator on C-SPAN (I can’t remember which one) say that the Health Care Reform Bill would: Reduce the Deficit Extend the Life of the Medicare Trust Fund Expand Access to Millions of Uninsured The New York Times’ Robert Pear notes the double counting of Medicare Savings and Taxes.  This is a bit [...]

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New York and California Governors Argue that Health Care Reform Medicaid Mandates would Add to Fiscal Woes

Posted in News on December 31, 2009 | Leave a Comment »

New York Gov. David Paterson (D) and California Gov. Arnold Schwarzenegger (R) are both arguing in this Politico article that the massive expansion of the Medicaid program would leave their already financially strapped states in an even deeper hole.

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State Attorneys General Questioning Legality of Health Care Reform Bill

Posted in News on December 31, 2009 | Leave a Comment »

Some State Attorneys General are questioning the legality of mandating an individual buy a Health Insurance Policy.  Here is the story from the New York Times. The argument for is tied to the states mandate that a person buy Automobile insurance.  The Attorney General of Florida, William McCollum, a Republican who is also running for [...]

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Wall Street Journal Personal Finance Report: “Retirees Snared by Medicare”

Posted in News on December 31, 2009 | Leave a Comment »

This is a good article on how the enrollment periods for Medicare Part B work.  As agents, it’s a good idea to understand when a Medicare Beneficiary can defer Part B and utilize their Special Enrollment into Part B and when a Medicare Beneficiary doesn’t qualify for Special Enrollment into Part B and gets stuck [...]

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Louisana Department of Insurance Issues Guidance on LTC Partnership Plans

Posted in Long Term Care, Louisana on December 30, 2009 | Leave a Comment »

Here is a link to the guidance the Louisiana DOI issued on the new LTC Partnership plans.

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“What can you sell during the Medicare Open Enrollment Period?”

Posted in CMS, Education/Training, Insurance Companies, Insurance Products, Medicare Advantage, Procedures, Social Security, States on December 29, 2009 | Leave a Comment »

Open Enrollment Period begins January 1st and ends March 31, 2010. During these dates there are some guidelines that must be followed when offering products to the Beneficiary. Click here  to review a list of products you can and can’t sell, as well as rules and regulations.

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Janet Trautwein Video on Health Care Reform

Posted in News on December 22, 2009 | Leave a Comment »

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Would MLR Mandate in Senate Bill lead to more “First Dollar” Coverage?

Posted in News on December 22, 2009 | 6 Comments »

There seems to be a consensus that the Senate bill in it’s current form would most likely be what could end up being signed by the POTUS.  The theory is that if the merging of the House and Senate bills doesn’t closely resemble the Senate bill, there is no way the merged bill could get 60 [...]

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Senate Bill would not Regulate Agent commissions inside Exchanges

Posted in News on December 22, 2009 | Leave a Comment »

This story is from the National Underwriter.  Previous versions had HHS regulating the amount which agents could be compensated inside the Insurance Exchange.

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