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The Way We Do Business Is About to Change

There seems to be an agreement in the insurance industry that, due to the coronavirus pandemic, the way we do business is likely to change—not just in the short-term, but also on a long-term basis. That doesn’t mean that we expect the coronavirus to be with us long term; we’re all hoping that isn’t the case. But it does mean that, during the COVID-19 lockdown, agents have developed some new habits that are likely to stay with us long after the health emergency is over and everyone is allowed to return to the office.
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Short-Term Plans Growing in Popularity

A recent survey by Pivot Health finds that enrollment in short-term health plans is increasing amid the COVID-19 health crisis. Interestingly, the majority of people purchasing short-term coverage are not moving from an ACA-qualified “Obamacare” plan; in contrast, 26% of purchasers were previously uninsured.
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How to Sell Health Insurance Over the Phone

After two months of sheltering in place, most brokers have figured out how to work from home. You’ve probably set up a workspace if you didn’t have one already, downloaded and mastered some type of virtual meeting software, and learned how to service your clients without going into the office. But have you actually been selling new business over the past few weeks? If not, perhaps you need to polish your phone sales skills.
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Three Recent Changes to HSAs

As a result of the COVID-19 health crisis, lawmakers and federal regulators have made three recent changes to Health Savings Accounts, and one of those changes appears to be permanent.
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Florida leads nation in ACA enrollment, but is that enough?

The state of Florida has more people enrolled in ACA individual coverage through Healthcare.gov than any other state in the nation, and it’s not particularly close. According to a list published by CMS:
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Who will pay for the Coronavirus?

People around the world are understandably nervous about COVID-19, also known as the Coronavirus. To date, nearly 900,000 people have tested positive for the rapidly-spreading respiratory illness, and the world-wide death toll now tops 40,000. In the United States, more than 190,000 cases had been reported as of April 1, with at least 4,000 deaths according to Worldometer, which tracks cases in real time. Unfortunately, all of those numbers are expected to rise.
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Who needs an insurance mandate?

It’s now been a full year since the individual mandate penalty was reduced to zero, so we wanted to take a quick look at the impact this change could have on the future of the Affordable Care Act.
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ACA decision unlikely before election

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

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

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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