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    ACA decision unlikely before election

    March 13, 2020
    On December 18, 2019, a federal appeals court in New Orleans ruled that the Affordable Care Act’s individual mandate is unconstitutional, calling into question the future of the entire law.
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    CMS transition to new Medicare Beneficiary Identifier is complete

    March 6, 2020
    As AHCP first reported nearly two years ago, the Centers for Medicare and Medicaid Services has been working to replace everyone’s Medicare card and assign them a new Medicare number, known as a Medicare Beneficiary Identifier (MBI). As of January 1, 2020, that process is complete and CMS will no longer process claims that are submitted with the old number.
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    Plan F no longer an option for new Medicare beneficiaries

    February 28, 2020
    As a reminder, Medicare supplement plan F is no longer an option for new Medicare enrollees. Anyone aging into or signing up for Medicare on or after January 1, 2020, will not be able to purchase a Plan F Medigap plan. Plan C is also being eliminated as an option for new enrollees.
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    The Cadillac Tax is Finally Dead

    February 20, 2020
    After years of lobbying by countless interest groups, Congress has finally killed the dreaded Cadillac tax.
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    Although Mostly Closed, the Donut Hole is Still an Issue for Consumers

    February 7, 2020
    A recent Boston Herald article describes the trouble that some seniors have paying for prescriptions in the Medicare coverage gap, commonly referred to as the “donut hole.” The article tells the story of Judith Pais, who ran out of her medication in November and had to wait until the new year to purchase her prescriptions because the cost of her medications had “skyrocketed” from $120 per month to more than $500 after she entered her Part D plan’s coverage gap.
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    Renewing As Is – Medicare Consumers are Staying Put

    January 31, 2020
    The fourth quarter is a stressful time. Not only do brokers have to deal with the same year-end stuff as everyone else, like getting ready for the holidays, it’s also the busy time of the year in the insurance industry. And that’s true whether you sell group, individual, or Medicare products.
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    An Uneducated Decision

    January 24, 2020
    This will come as a surprise to absolutely none of you, but, according to Forbes, “Healthcare Consumers Lack Knowledge Of Basic Health Insurance Terms.” Actually, that’s the name of a December 3 article that summarizes the findings of a recently released survey by Policygenius that shows, among other things, just “how challenging health insurance is for many American consumers to understand.”
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    Side Effects of Silver Loading

    January 17, 2020
    When the Trump administration decided in 2017 to stop reimbursing insurers for cost-sharing reductions on silver-level plans for those who qualify, carriers responded by raising the price of their silver-level plans across the board, a practice known as “silver loading.”
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    The Benefits of Working from Home

    January 10, 2020
    We recently posted an article entitled “Your place or mine? Where do you sell health insurance?”. In it, we discussed the pros and cons of meeting clients at their homes or places of business versus having them meet you in your office. The article made the assumption that all agents have an office that they go to, but that’s definitely not the case. Some very successful agents have made the decision to work from home, foregoing an outside office and the benefits that come with it. In this article, we’ll take a look at some of the benefits of working out of your house.
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    Your place or mine? Where do you sell health insurance?

    January 2, 2020
    These days, more and more insurance is being sold online or over the phone. This is certainly a more efficient way to do business. It allows agents to sell business without ever talking to the client. Quoting and enrollment tools like Quotit can help brokers put their business on auto-pilot; brokers can make sales even when they’re not at work.
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