Protect Your Clients with a Hospital Indemnity Policy

Selling Hospital Indemnity Policies

As an agent, you know that even when a client has Medicare, they can still be financially devastated by an unexpected hospital stay, particularly if that stay is an extended one. You can protect your clients from this potential financial hardship with a Hospital Indemnity Plan.

The Cost of a Hospital Stay

An unplanned expense like a hospital stay can be devastating to anyone, but especially to a senior citizen on a fixed income. A Hospital Indemnity Plan, however, can help protect your clients from financial uncertainty should the worst occur.

The average cost of a visit to the emergency room is $1,233. After an inpatient stay, your clients could expect to pay far more. The National Institutes of Health estimate the cost of the average hospital stay to be $10,700 before insurance, which could leave your clients with a bill of $2,000 or more.

Medicare and Hospital Costs

Your clients may be expecting that their current Medicare coverage protects them from high hospital bills. While that’s true to a point, there are limits to what’s covered even with a Medicare Advantage plan. The typical MA plan includes a copay of between $100 and $300 for the first six days of a hospital stay.

Even with a Medicare Supplement that covers hospital costs, services deemed non-medical like transportation and meals aren’t included in this coverage. A Hospital Indemnity Plan, however, gives your clients cash to use however they see fit.

Policy Options for Hospital Indemnity

The Advantage Plus Hospital Indemnity Plan from Guarantee Trust Life (GTL) is a la carte. The amount and period of Hospital Indemnity benefit can be tailored to your client, and GTL’s plan is Guaranteed Issue for those aged 64 and a half to 65 and a half. The plan pays up to $600 per day, covers observation stays, and pays benefits directly to the policyholder.

Learn more about GTL’s Advantage Plus Hospital Indemnity Plan on our GTL page, or find more ancillary product recommendations in our guide to the 5 Best Ancillary Products for Medicare Sales.

Sources:

4. Centers for Disease Control (CDC). National Hospital Ambulatory Medical Care Survey: 2015 Emergency Department Summary Tables.
5. National Institutes of Health (NIH). “How Much Will I Get Charged for This?” Patient Charges for Top Ten Diagnoses in the Emergency Department.
6. Business Insider. The 35 most expensive reasons you might have to visit a hospital in the US — and how much it costs if you do.

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  • WellCare certification for 2022 launches on Wednesday, July 7, 2021.
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WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2022

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare certification for 2022 launches on Wednesday, July 7, 2021.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
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  • UnitedHealthcare certification for 2022 launches on Monday, June 28, 2021.
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UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2022

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • UnitedHealthcare certification for 2022 launches on Monday, June 28, 2021.
    • If the required prerequisite modules are failed an agent will receive no earned renewals during the plan year!
    • Take AHIP first! If you pass AHIP prior to taking the certification, you can skip 5 of the modules in UHC’s certification.
    • UHC allows 6 attempts to pass AHIP.
    • UHC allows 6 attempts per the prerequisite modules.
    • UHC allows 6 attempts per plan module.
    • 3 prerequisites: Medicare Basics, Ethics and Compliance, and AARP Course.
    • AHIP eliminates the need for the Medicare Basics course.
    • 3 modules to complete.
    • 1 optional: CSNP/DSNP.
    • Passing score for UCH certs is 85%.
    • 2022 certifications will cover the remainder of 2021.

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SilverScript Certification Links, Guides, Phone Numbers, Emails

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  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Tuesday, June 29, 2021.
  • Agents must do 3 things to be ready to sell SilverScript:
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    Step #2: Complete 2022 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2022 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2022 Certs will NOT cover the remainder of 2021.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

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  • Mutual of Omaha certification for 2022 launches on Tuesday, June 29, 2021.
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  • 2021 certs will cover the remainder of 2020.

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Mutual of Omaha Producer Certification Requirements for 2022

  • Details refer to certification for Mutual of Omaha. AHIP certification must be completed separately.
  • Mutual of Omaha certification for 2022 launches on Tuesday, June 29, 2021.
  • There are three components to be “Ready to Sell” Medicare Advantage (MA) for Mutual of Omaha Medicare Advantage Company (MOMAC), Medicare Advantage Insurance Company of Omaha, (MAICO) and Prescription Drug Plans (PDP) for Omaha Health Insurance Company (OHIC). All three components must be completed.
        1. Contracting
        2. AHIP Certification
        3. Product Training
  • Passing score for Mutual of Omaha product training is 85%.
  • 3 attempts.
  • Must pass AHIP and two Mutual of Omaha courses: Medicare Advantage and Prescription Drug. 
  • Training is only accessible to agents who are contracted with Mutual of Omaha for that product.
  • 2021 certs will cover the remainder of 2020.

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  • 2021 Certs will cover the remainder of 2020.
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Certification Links, Guides, Phone Numbers, Emails

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  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2022 launches on Tuesday, June 29, 2021.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
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Cigna Medicare Producer Certification Requirements for 2022

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Thursday, July 1, 2021.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

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  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2022 launches on Tuesday, June 29, 2021.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2022 certs will cover the remainder of 2021.

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2022

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2022 launches on Tuesday, June 29, 2021.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2022 certs will cover the remainder of 2021.

Aetna Certification Links, Guides, Phone Numbers, Emails