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Why You Should Work with an FMO (Part 2)

This post is the second in a five-part series about why brokers should work with a Field Marketing Organization (FMO) like AHCP. In the first post, we explained that an FMO can help by researching and vetting carriers and products that you should be offering, provide product education so you’ll be able to determine when these solutions are a good fit for your clients, and sweeten the deal by offering short-term sales incentives and bonus programs.

Do Insurance Ads Confuse Consumers?

It’s open enrollment time, and that means we’re seeing more insurance commercials than normal, especially those targeting Medicare beneficiaries. They’re nearly as annoying as the political ads we’ve been inundated with for months.

Why You Should Work with an FMO (Part 1)

We find that successful health insurance agents are continuously seeking out ways to improve their business, taking advantage of opportunities to grow their agency and help more clients find the right protection. It’s not easy these days operating in the field without the day-to-day interaction with like-minded agents we were used to years ago.  But, one strategy that continues to propel agents to the leader boards year after year is by partnering with a Field Marketing Organization, or FMO.

Medicare Premiums and Cost Sharing for 2023

CMS has released the Medicare premium and cost sharing numbers for 2023, and it’s much better news than we received last year. For 2022, the standard Medicare Part B premium went up by more than $20 per month. For 2023, it’s actually going down a little. Finally, some good news!

Hospital Indemnity Plans Can Fill Big Gaps in Health Coverage

People buy health insurance to protect them in the event of a big medical claim. Unfortunately, with today’s rising deductibles and out-of-pocket limits, which will be $7,500 for HSA-qualified plans and $9,100 for non-HSA plans in 2023, despite its name, major medical health insurance alone isn’t enough for many people. Even with insurance protection, a huge percentage of Americans will have trouble paying their share of the bills.

Bipartisan Legislation Could Improve Medicare Advantage Prior Authorizations

In a rare unanimous vote, the House of Representatives has passed the “Improving Seniors’ Timely Access to Care Act.” As reported by Medical Economics, the proposed law will “make it easier for senior patients to get care and improve health outcomes by modernizing the ‘antiquated’ prior authorization process” for the 28 million seniors currently enrolled in a Medicare Advantage plan.

One in Three Go Without Needed Dental Care

A recent article in USA Today reports that a whopping 30 percent of Americans “haven’t been to the dentist since before the COVID-19 pandemic began.”

Sharing Important News with your Medicare Clients

You’ve heard this advice from AHCP before: communicate with your clients regularly to provide additional value, stay top-of-mind, and stand out in the crowd of agents vying for your clients’ attention. This will help increase retention and will likely lead to additional referral business. But that’s easier said than done, mainly because many agents don’t know what they should be communicating. Most people don’t want to talk or read about health insurance all year long, so what can we tell our Medicare clients that they’ll actually want to hear?

Are your clients over-insured?

What a weird question. With today’s super-high deductibles and astronomical out-of-pocket limits, many people with health insurance struggle to pay their medical bills despite being “insured”. As we point out in a recent blog post, the maximum deductible and out-of-pocket limit for HSA-qualified plans is increasing to $7,500 for an individual and $15,000 for a family in 2023, and for non-HSA plans, the max OOP is increasing to $9,100 for single coverage and $18,200 for family coverage.

Medical Debt Remains a Big Issue for Consumers

In 2019, the American Journal of Public Health published the results of an analysis about bankruptcies in the United States and concluded that medical bankruptcy is still common despite the Affordable Care Act: “Despite gains in coverage and access to care from the ACA, our findings suggest that it did not change the proportion of bankruptcies with medical causes.”

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