Ritter Insurance Marketing, Craig Ritter

Cigna Hit with CMS Sanctions

CMS has imposed sanctions on Cigna suspending the enrollment of new customers in their Medicare Advantage and stand-alone Prescription Drug Plans. For the time being, agents must cease marketing to and contracting potential enrollees on behalf of Cigna-HealthSpring. Current enrollees in Cigna MA or PDP plans will not be affected. Based on prior cases, CMS…

22 Jan 16
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Refresh Yourself on Scope of Appointments for 2016

Scope of Appointment documentation is required for ALL face-to-face marketing appointments with individual beneficiaries, regardless where the appointment takes place. Group sales presentations (formal and informal CMS filed sales events) do not require the documentation because the scope of products that will be discussed should be indicated on all event advertising materials. The documentation must…

5 Oct 15
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Overview of Medicare Marketing Guidelines 2016 Changes

I’ve completed my first read through of the 2016 MMG. This blog post will act as a “living” document as I continue to get feedback from insurance companies on how they interpret these changes. I’m certainly going to lay things out as best I can, but sometimes when reading these changes, CMS provides a little…

5 Jul 15
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Justice Department Charges 243 with Medicare Fraud

On June 18, the U.S. Justice Department charged 243 people with $712 million in false billings to Medicare. It was the single-biggest crackdown in an 8-year campaign against health-care fraud.

22 Jun 15
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CVS Health to Acquire & Rebrand Target Pharmacies

On June 15th, it was announced that CVS Health Corporation has agreed to buy Target Corporation’s pharmacy business for $1.9 billion.  After taxes and fees, the deal is worth $1.2 billion to Target. CVS Health will be acquiring, rebranding, and operating over 1,660 Target pharmacies across 47 states, and a CVS/pharmacy will be…

16 Jun 15
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CMS Issues August 14, 2014 Memo on MMG and Agent/Broker Compensation

Here is a link to the memo:  MMG Corrected 8 14 14. Here is a summary of some of the important clarifications:

  • Section 70.6 Telephonic contact – I will probably need more clarification on this clarification.  MMG currently reads, “Agents may contact their own clients and Plans/Part D Sponsors may contact current enrollees at…

    18 Aug 14
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  • Get Familiar with Your State Pharmaceutical Assistance Program (SPAP)

    Getting familiar with your State Pharmaceutical Assistance Program is a great way, not only to help your Medicare beneficiary clients, but also to unlock special elections to enroll in Medicare PDP or Medicare advantage plans with Part D.  Medicare beneficiaries who are enrolled in an SPAP get one Special Election Period per year to change…

    6 Jan 14
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    AHIP 2014 Medicare Advantage (MA) and Medicare Part D (PDP) Opens June 24th, 2013

    The AHIP certification will become available for 2014 on June 24th, 2013.  The 2013 certification will be closing on Friday, June 21st, 2013.  The certification website can be found at www.medicareonlinetraining.com We are recommending that agents wait to begin their 2014 AHIP coursework until AFTER their top Medicare advantage carriers open their certification…

    6 Jun 13
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    CMS Gives Advance Notice of 2014 Medicare Part D Cost Sharing and Deductibles

    On Friday, February 15th, 2013, CMS released the 2014 Medicare Part D deductibles and co-insurance limits for 2014.  This was a part of their “2014 Advance Call Letter” which gives Medicare advantage plans and Medicare Part D plans advance notice of funding for calendar year 2014 so that they can start formulating their bids for…

    25 Feb 13
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    Yuval Levin on Ryan Plan, Paul Krugman and Medicare Advantage

    Yuval Levin’s opinion piece appears on the National Review Online’s “The Corner” blog.  Yuval offers some counterpoint to Paul Krugman’s “The Medicare Killers” opinion in the New York Times.  I’ll admit that I’m not that familiar with Ryan’s Medicare proposal, other than it would not apply to anyone over the age…

    3 Sep 12
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