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July 19, 2024, 4:57 pm
Mrs. Paterson is concerned about the deductibles and co-payments associated with Original Medicare. Part D enrollees have three options for paying their Part D premium. CMS may offer services through non-network providers at the in-network enrollee cost-sharing level. ▪ Presentation materials such as slides and charts. Employed or independent agents/brokers must be state-licensed and follow all state appointment regulations in order to sell Medicare Advantage plans. Preferred Provider Organizations (PPOs), local and regional; PPO enrollees generally may get care from any provider in the U. S. Mrs. paterson is concerned about the deductibles work. who accepts Medicare, but will pay less if they go to one of the "preferred" providers in the PPO's network. Some prescription drug plans may have higher operating costs and/or may offer enhanced coverage in return for an additional premium amount. PFFS is not the same as Original Medicare. In setting up the enrollment site, which of the following must Phiona consider?

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Mr. Rivera has QMB-Plus eligibility and is thus covered by both Medicare and Medicaid. Plans are responsible for ensuring compliance with Medicare rules by their marketing representatives. Mr. Carlini has heard that Medicare prescription drug plans are only offered through private companies under a program known as Medicare Advantage (MA), not by the government. What could you tell her? Mrs. paterson is concerned about the deductibles differently however. He is wondering if he can switch to a lower cost Part D plan. If enrolled in a Medicare coordinated care plan (HMO/PPO) or a PFFS plan that includes Part D drug coverage, the beneficiary may not be enrolled in a stand-alone PDP. Dual eligible beneficiaries may enroll in any type of MA plan except an MA MSA.

Apply those guidelines to the following statements and identify which would be prohibited. You work for a company that has marketed Medigap products for many years. ▪ Provide and collect enrollment forms. • If a beneficiary is considering this option, he/she should call the plan first. He can give away more than one gift during a single event, but the aggregate retail value cannot exceed $15. Mr. Alonso receives some help paying for his two generic prescription drugs from his employer's retiree coverage, but he wants to compare it to a Part D prescription drug plan. You have had a good meeting with Mr. Claggett and he has selected a Medicare Advantage plan. Exam (elaborations). Mrs. paterson is concerned about the deductibles for 2022. Generally the beneficiary must stay with the premium payment option for the entire year. What should you keep in mind to comply with the marketing requirements for MA plans? ▪ I am certified by Medicare to sell this plan.

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What step(s) would you recommend that Mark take? What should you tell her about obtaining drug coverage? Since no gift or prize exceeds the $15 limit he believes his plan is acceptable. All individual appointments ▪ Are considered sales/marketing events; ▪ Must meet sales/marketing event requirements; ▪ Must follow scope of appointment requirements (See following slides). 50 coinsurance for days 21-100 each benefit patient psychiatric care (up to 190 lifetime days) Part A does not cover custodial or long-term care Cost-sharing may differ for enrollees of Medicare. If she does not sign up for a Medicare prescription drug plan as soon as she is eligible to do so, if she does sign up at a later date, her premium will be permanently increased by 1% of the national average premium for every month that she was not covered If you do not have a Medicare Advantage plan that includes Part D drug coverage, you must sign up for it separately. Some MA plans, known as dual eligible Special Needs Plans, are tailored to dual eligible individuals, depending on the category (see prior slide) to which they belong. Where appropriate, SEPs allowing changes to MA coverage are coordinated with those allowing changes in Part D coverage. ▪ It is better to choose a different company if you are sick. Medigap plans help beneficiaries cover Original Medicare benefits, but they coordinate with Original Medicare coverage.... [Show more]. Ordinarily, you provide clients who purchase various types of insurance products from you with a gift when they enroll and you let them know that they will receive it after their enrollment is complete. 1) Beneficiaries who lose their LIS eligibility because they are no longer deemed eligible for the following calendar year. ▪ You should opt out of MMP enrollment because everyone knows you will get a higher quality care through a Medicare Advantage plan. You are seeking to represent an individual Medicare Advantage plan and an individual Part D plan in your state.

Agent Armstrong returns calls to individuals who call MarketCo in response to its mailers promoting BestChoice health plan. You have been providing a pre-Thanksgiving meal during sales presentations in November for many years and your clients look forward to attending this annual event. Beneficiaries who have moved into a plan service area from a location where there was no Part D plan available (e. overseas) qualify for an SEP just for Part D election purposes MA eligible and Part D eligible beneficiaries who experience certain qualifying events are allowed an SEP Timeframes for SEPs are variable, however, most begin on the first day of the month in which the qualifying event occurs and last for a total of three months. She plans to switch from her old MA HMO plan to the new MA-PD plan during the Annual Election Period. In order to be sure that you do not violate any of the applicable guidelines, in what activities should you plan to engage? You are meeting with Ms. Berlin and she has completed an enrollment form for a MA-PD plan you represent. PFFS is not a Medicare supplement, Medigap, or a Medicare Select policy. Supplemental Security Income (SSI) benefits: help with cash for basic needs. That is, unless a cost plan enrollee opts out, he/she will be automatically enrolled in an MA plan offered by the same dividuals subject to deemed enrollment will be notified by CMS and the plan and given the opportunity to choose another option. Thus, he is obligated to comply with all marketing requirements, including those regarding using only approved call scripts.

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Mrs. Ramos is considering a Medicare Advantage PPO and has questions about which providers she can go to for her health care. Marketing representatives should contact plan sponsor regarding the appropriateness of the food products provided and must ensure that items provided could not be reasonably considered a meal and/or that multiple items are not being "bundled" and provided as if a meal. In 2017, beneficiaries pay $164. Mr. Decaro has looked at Medicare prescription drug plans available in his area and noted a wide range in premiums. What should you tell them about Original Medicare's coverage of care in a skilled nursing facility? She decides she would rather be enrolled in another PDP or an MA-PD plan and submits a request in November. Plan marketing representatives include: ▪ individuals employed by a plan and ▪ individuals or entities under contract to the plan through a direct or downstream contract ▪ This would include brokers and agents (contracting directly with the plan or through an agency or other entity), third party marketing organizations (TMOs) such as a field marketing organizations (FMOs), general agents (GAs), or other marketing contractors). In preparation for the sales presentation, what must you do? He thought that all the drug plans were required to offer the same standard benefits and would like you to explain why there is such a range in premiums.

The amount of the premium penalty changes every year. ▪ If the gift is one large one that is enjoyed by all attending an event, the total cost must be $15 or less when divided by the estimated attendance. Agents/brokers are subject to rigorous oversight by their contracted health or drug plans and face the risk of loss of licensure with their State and termination with their contracted health or drug plans if they don't comply with strict rules related to selling to and enrolling Medicare beneficiaries in Medicare plans. Cover the following services even when provided by non-network providers: • emergency services; • out-of-area urgently needed services; and • out-of-area renal dialysis. ▪ We cover all drugs without restrictions. Agent Mark Andrews would like to employ technology to facilitate the growth of his Medicare Advantage (MA) practice.

What can you do in this situation? Submit a complete enrollment request (a legal representative may complete the enrollment request for the individual) Be fully informed of and agree to abide by the plan rules provided during the enrollment request. ▪ There is an exception where state law requires that the gift certificate or gift card must be convertible to cash and the cash value is no more than $2.

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