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2017 Marketplace and Medicare Registration and Training

Remember the good old days when agents took a test, got licensed, and then simply had to complete a few continuing education classes each year to maintain their license? Not anymore. If you sell in either the individual or the Medicare markets, the government requires agents to complete annual training to remain certified to sell through the Federally Facilitated Marketplace (FFM).  And guess what? It’s that time of the year again.
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What type of broker are you?

Consumers come in all shapes and sizes, and as a result you need different strategies for selling to different consumers. For instance, some people understand the need for health insurance and have plenty of funds to buy it. While they may be a minority, they’re the type of clients that immediately understand the value of having health insurance, and these types of clients are more likely to result in a simple sale for you. But, many other sales take a bit more effort.
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Here’s a Great Way to Supplement Your Commissions

When consumers buy less coverage, the cost of that coverage is supposed to go down. But that’s not what’s happened in recent years. Deductibles and out-of-pocket costs are higher than ever before, and so are monthly premiums—for millions of Americans, the new ACA plans really aren’t all that affordable.
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Obamacare turns 6. Will it make it to 7?

It’s hard to believe, but on March 23rd the Affordable Care Act turned six years old. The time’s flown by, hasn’t it? By now you’ve learned how to adapt to the changes created by the law, and you may have even grown your business and your income over the past few years.
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How to Sell HMO Plans

The individual insurance market is seeing some hard-hitting changes. Premiums in many markets have increased more than expected, deductibles and out-of-pocket costs continue to go up, and now some carriers are beginning to drop their popular PPO plans.
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Medicare and Job-Based Coverage

More and more people these days are working past age 65, so many of them have a tough decision to make: should they stay on the company’s group health plan, drop the group coverage and enroll in Medicare, or sign up for both the group health plan and Medicare? The answer, like many in the insurance world, depends on the employee’s own unique situation. This post, while not comprehensive, will point out some of the things people need to consider when evaluating their coverage options.
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Are you selling Final Expense Insurance? You should be.

Sooner or later, we’ll all have them: final expenses. When we pass away, there are a number of bills yet to be paid. The funeral, of course, is the big one for most people; burials, caskets, services, this all costs money. There are other expenses that happen as well; like medical bills, helping family and friends fly in for the service, and more. That’s where final expense insurance can help. So here is the question.
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HHS Changes Transition Rules AGAIN

HHS changes transition rules AGAIN. Ok, it’s starting to get a bit ridiculous. Every time brokers think they have the ACA figured out, the government changes the rules. It happened again just recently. Before we tell you about the rule change, though, here’s a quick summary of how we got here.
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Working Within Your Client’s Insurance Budget

Everyone needs insurance to help protect them, and their family members, from financial loss when something unexpected happens:
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A Medicare Tutorial for Insurance Agents

If you’ve heard Bernie Sanders speak, you know that he would like to expand the Medicare program to all Americans. “Medicare for All” is the proposal, and the idea is that the government’s Medicare program works well for seniors and would be a good replacement for the Affordable Care Act. For brokers who have been selling individual plans through Healthcare.gov or one of the state-based exchanges, it may come as a surprise that any health care program in which the government is involved could run smoothly, but this one has been around for 50 years now and doesn’t appear to be going anywhere. For that reason, and because agents are looking for an alternative to the ACA plans they’ve focused their attention on for the past couple years, we’ve received a lot of requests recently for information about Medicare-related products, so we thought a short tutorial might be in order.
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