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Help your clients protect their largest asset. For most families, their home is their largest asset and financial responsibility. What if there was an uncomplicated solution to help your client’s family remain in their home if they were to die unexpectedly? BasicSecure Fixed Universal Life Insurance is a permanent life insurance solution that can help protect your client’s home and family, and replace the lost income from the insured’s death – all in one policy.

3 Reasons to Talk to Your Clients Today About Using BasicSecure as Mortgage Protection:

  1. Their home in many cases is their largest asset.
  2. The death benefit can be used to protect their family’s financial future, should the unthinkable happen.
  3. There is such thing as mortgage life insurance, but the mortgage lender is the beneficiary of the policy rather than beneficiaries your client designates. If they pass away, their mortgage will go away, but their loved ones won’t see any of the proceeds.

Take the time today to educate your clients on BasicSecure. Mortgage protection is just one of the many benefits for which BasicSecure can be used. For more information and marketing resources, visit:

BasicSecure eKit >>

And Don’t Forget to Get Contracted with National Life Group Today:

Get Contracted Now

Life Insurance Awareness Month is fast approaching. And while this September will most likely look much different than any Life Insurance Awareness Month in the past, making sure that your clients are protected is still as important as ever.

One way to connect with your clients is through personalized prospecting materials. These are available to order with your contact information so clients can contact you directly to help them obtain the coverage they need. Just click on the links below to see the prospecting materials that are available for you to order.

 

 

 

 

 

 

 

To get started, download the order form and make sure you clearly include the items you wish to order with the quantity and your complete contact information. Then, follow the instructions on the form to submit the order. This will get your order processed as quickly as possible.

Please note: The prospecting materials shown here may not be available in all states

Source: https://blogs.mutualofomaha.com/express/index.php/2020/08/10/prospecting-materials-for-life-insurance-awareness-month/

 

Get Contracted with Mutual of Omaha:

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The Centers for Medicare & Medicaid Services (CMS) is hosting two webinars on August 11 and August 14.

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SAVE MY SEAT >>

 

The August 11 webinar will review the plan year 2021 registration and training process for those who did not complete the Marketplace registration and training requirements for plan year 2020.

Agents and brokers who successfully completed plan year 2020 Marketplace registration and training and are returning for plan year 2021 may complete a shorter training, which will be reviewed in the August 14 webinar.

As a reminder, if you’ve registered for any webinars in the “Health Insurance Marketplace Plan Year 2020 Updates for Agents and Brokers” series, you’re automatically registered for this webinar and no action is required. You’ll receive a reminder the day before the session. If you haven’t attended a webinar before, click here for steps on how to register. Registration closes 24 hours before the event.

Contact the REGTAP Registrar for assistance at registrar@REGTAP.info or 800-257-9520.

Oscar, the first tech-driven health insurance company, today announced plans to launch its new $0 Virtual Primary Care product and expand to a total of 19 states and 47 markets in 2021. The company will offer health insurance to individuals and families in four new states and 19 new markets during the upcoming Open Enrollment period, pending regulatory approvals.

  • Plans to expand individual and family plans to 19 states and 47 markets, including 19 new markets, pending regulatory approvals.(1)
  • Announces Virtual Primary Care, bringing longitudinal telehealth and a suite of additional incentives to members for just $0.(2)
  • Virtual Urgent Care offering expanded to include $0 drugs and labs.

Virtual Primary Care is the latest addition to the suite of Oscar Care features that provide a personalized experience for Oscar members. Oscar Care, which includes access to Oscar designated virtual primary and urgent providers, offers our members with Individual and Family Plans:

Virtual Primary Care: $0, unlimited virtual visits with a dedicated team of Oscar primary care providers.(3) Tier 1 prescriptions, DME, labs, diagnostic imaging orders(4) and initial specialist referrals prescribed by an Oscar Primary Care provider are also $0.(5) Oscar Primary Care also will bring some care directly to members in their homes, by offering $0 vitals monitoring kits and in-home lab draws,(6) when ordered by an Oscar Primary Care provider.

Virtual Urgent Care: 24/7 access to Oscar Virtual Urgent Care Providers at $0 for whenever a member needs to see a doctor quickly.(7) Tier 1 prescriptions and labs are $0 when prescribed by our virtual urgent care providers, too.(8)

Care Teams: Dedicated Care Guides, including a nurse, who know the member’s medical history, help them navigate their plan, and connect them with in-network providers.

“With the launch of Oscar Primary Care, Oscar is making even more unprecedented, cost- effective plans available,” said Oscar Co-Founder and CEO Mario Schlosser. “Americans consistently cite cost, quality and convenience as their biggest struggles with the healthcare system – our new offering solves for all of them.”

Oscar Expansion Markets

2021 will mark the fourth consecutive year Oscar expands its footprint to offer affordable care designed around members’ health, budget, family, and community needs.

As a part of the 2021 expansion, Oscar will offer Individual and Family Plans for the first time in: Arkansas (Little Rock and Fayetteville), North Carolina (Asheville), Oklahoma (Oklahoma City), and four markets in Iowa, including Des Moines and Sioux City.

We also will expand our existing state footprints to Boulder, Colorado, three markets in Northeast Pennsylvania, multiple markets across Florida, including Jacksonville, Sarasota, and Tallahassee, and across new counties in Phoenix, AZ, San Francisco, CA, and Columbus, OH.

Oscar Virtual Primary Care Markets

The COVID-19 pandemic is transforming how Americans access health care and accelerating demand for virtual services. While just 11% of U.S. consumers used telemedicine in 2019, 76% are interested in using virtual care following the outbreak, according to McKinsey.

Oscar will offer Virtual Primary Care in 10 markets in 2021: Miami, FL, Fort Lauderdale, FL, Palm Beach, FL, Houston, TX, Dallas, TX, Austin, TX, Los Angeles, CA, Orange County, CA, Denver, CO, and New York, NY, pending regulatory approval.

The specifics of Oscar’s 2021 insurance plan portfolio are still being reviewed by regulators. Details regarding pricing, network partners, and added benefits will be available closer to the open enrollment period this fall. In the meantime, more information can be found at www.hioscar.com.

About Oscar

Oscar is the first health insurance company built to make health care easy. Headquartered in New York City, Oscar has been challenging the health care system’s status quo since our founding in 2012, developing seamless technology and providing personalized support to help our members navigate their health care. Oscar was the first insurer to offer $0, 24/7 telemedicine to members and to integrate direct scheduling with providers through our app.

Oscar plans also include access to a network of first-rate physicians and hospitals, as well as a personalized Care Team that supports members every step of the way, from finding a doctor to navigating costs. Oscar is known for its easy-to-use digital tools, including a website and mobile app that let members view their health history, speak directly with their Care Teams and virtual providers, and access their account information.

All products and services are provided exclusively by or through operating subsidiaries of Mulberry Health Inc., including Oscar Insurance Company and its affiliates. Say hi or learn more at https://www.hioscar.com or follow us at https://twitter.com/OscarHealth.

Media Contact: Jackie Kahn, Head of Communications; jkahn@hioscar.com; 202-538-0128

Footnotes

  1. (1) Market numbers are based on Metropolitan Statistical Areas (MSAs); Oscar entrance into and disclosure of all specific cities and counties within each MSA are pending regulatory approvals.
  2. (2) Not available in CA.
  3. (3) Oscar Virtual Primary Care providers are employed by Oscar Medical Group and are not employed by Oscar Insurance.
  4. (4) Some prescriptions and orders are unavailable via virtual visits. Other exclusions apply.
  5. (5) Not available in CA. Some exclusions apply.
  6. (6) Not available in all markets, including Los Angeles, CA or Denver, CO.
  7. (7) Available on most Oscar plans.
  8. (8) Some Tier 1 prescriptions are unavailable via virtual visits. Other exclusions apply.

Get Contracted Today with Oscar >>

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As social media soars… It’s up to you as modern day, professional Life & Health Insurance Agents to stay up-to-date with marketing in a digital world.  Agility Insurance Services’ all-in-one platform; enrollinsurance.com is happy to provide you with some general social media stats, tips, facts and guidelines.

In this downloadable eBook, you will find key guidelines, tips and tricks, best posting times, content strategy and more. Along with Medicare and ACA compliance to make sure you follow when creating ads and posts for all social media platforms.

Whether you’re new to social media marketing or you’re a expert, this eBook has something for you.

Download the Social Media PDF eBook Now >>

Agility Insurance Services is proud to introduce yet another game changing tool for our agents. When you join the Agility team, you get free access to our all-in-one Digital Medicare App through ConnectureDRX. Making virtual quoting and enrollments easier then ever for your Medicare clients.

Provide them ease of use with quoting, enrollment, shop and compare plans, scope of appointment, Text to Sign features and so much more. Learn more with the eBook guide below.

Download the Medicare Quoting & Enrollment eBook Guide >>

With so many people staying home and staying safe due to the Covid-19 pandemic, there has never been a better time to learn and use Virtual Enrollments.

In this PDF eBook you will learn to:

  • Identify your prospects and how you will reach them.
  • Meet with them virtually. Contact without contact.
  • Follow through the sale to effectuation.

CLICK TO DOWNLOAD VIRTUAL ENROLLMENTS PDF >>

We’ve worked closely with our customers throughout the pandemic to understand the economic and health challenges they, their employees and our communities face. Every decision we’ve made as a company during these extraordinary times is through the lens of a long-term commitment to our members and our communities, with the goal to support our customers and members, just as we always have. In many cases, we have been actively working with our customers on a one-to-one basis to identify solutions that will provide short-term relief.

Now, as a result of our ongoing discussions with customers, we’re excited to announce the COVID-19 Economic Response Program, which is designed to help new and existing fully insured employer group customers during this unprecedented national emergency.

Briefly, we’re offering a premium deferral to existing fully insured customers and a two-year rate guarantee to new fully insured customers.

The charts below provide more detail.

COVID-19 Economic Response Program for Existing Insured Customers

Customers Option Method Recoupment Plan Decision
  • Fully insured
  • Size 51+ enrolled employees*
Defer 50% of July billed medical and dental monthly premium

 

 

Line item credit on future Customer Statement**

Example: Client X deferred one monthly premium in 2020 = $240,000

 

Spread evenly across 12 monthly invoices in 2021 as a line item charge (regardless of anniversary date).

Impact is approx. 4.2% increase additional premium in 2021.

Example: Client X’s 2021 monthly invoice line item deferred premium charge = $240,000/12 = $20,000

*Account executives will help customers determine if an employer is eligible.
**Actual invoices credited will be subject to opt-in decision timing by customer. If opt-in signed form is received and processed by July 31, 2020, then credit will appear on the September Customer Statement. If received and processed after July 31, 2020, or signed opt-in form is received by Aug. 15, 2020, then credit will appear on the October Customer Statement.

COVID-19 Economic Response Program for New Insured Business (New Employer Group to BCBSTX) with effective dates from July 2020 through January 2021

Customers Option Method Recoupment Plan Decision
  • New customers with effective dates from July 2020 through January 2021
  • Fully insured
  • Size 51+ enrolled employees
Default Option 24-month rate guarantee at first 12 months rates for medical and dental No rate increases in the first 24 months. Policy year limited to 12 months and a renewal will be provided. No recoupment needed Decision and criteria will be indicated in the additional provisions of the BPA, which must be signed prior to the effective date.
Alternate Option Defer 30% of first 3 months of medical and dental premiums* Line item credits** for first 3 months will appear on customer statements for months 2-4 and recoupment over the last 8 months will appear on customer statements for months 5-12. Recoup the deferment in the remaining eight months as a line item charge with maximum 9.9% first-year renewal increase for medical and maximum 5.0% first-year renewal increase for dental

 

Decision and criteria will be indicated in the additional provisions of the BPA, which must be signed prior to the effective date.

Exceptions will be made for July and August 2020 effective dates to process and sign a revised BPA given the timing of the release of the COVID-19 Economic Response Program.

*Account executive to work with underwriter to capture and document.
**Actual invoices credited will be subject to opt in to this option and decision timing by customer.

Who’s eligible?
Most fully insured groups 51+ enrolled employees will be eligible.

Who isn’t eligible?

  • Self-funded groups, MPP, Cost+, ACA-rated small groups, Blue Balance FundedSM, student health, ADM, MEWA/PEO, association health plans, retrospective premium accounts, customers on private multi-carrier exchanges, and prospective retention accounts.
  • Accounts in stage two of delinquency are also not eligible, but those groups will be given a chance to rectify that status by July 31, 2020, so that they may qualify. (Stage two delinquency is defined as accounts with payments that are 30 days past due.)

 

Looking for BCBS o Texas Contracting?  Look no further…

Get Contracted Now

 

 

Agility Life & Health Insurance Agents:  Our insurance agent tools and platform just got better… Agility Insurance Services is proud to introduce the newest feature to our contracted insurance agents.

Your very own MyAdmin by Agility with everything you need in one secure back-office location anywhere you go. There has never been a better time than now to join Agility and access our all-in-one contracting, training, and marketing platform. Access from over 40 of our industry leading carrier partners, commission reports, webinars and beyond.

  • Secure & Private Personal Login
  • Medicare Quoting App
  • ACA HealthSherpa Enrollment
  • Marketing Material Ready for Download
  • Full Access to All Tools & Resources
  • Agility Mobile Quoting App
  • Your Contracts & Commissions
  • Bonuses, Webinars & Events
  • Your book of business in one location!

Learn More or Login Now

Agility Insurance Services is pleased to announce their partnership with HealthSherpa: An innovative healthcare technology and the country’s largest ACA agent enrollment platform.
HealthSherpa is a CMS-approved entity for Enhanced Direct Enrollment (EDE). Through a HealthSherpa account, you can track, enroll, and service all of your ACA clients — without going to healthcare.gov.

EDE (Enhanced Direct Enrollment) is a powerful new technology that simplifies the enrollment process and provides complete policy management functionality— without going to Healthcare.gov.

Download the HealthSherpa eBook Guide >>