How to Talk to Your Clients About Medicare

At National Contracting Center, we like to help our agents focus on what matters-their clients. We know explaining what Medicare is and how it works can be a little tricky. We’ve put together an article which gives an overview of the components of Medicare. Feel free to share our blog, or even take a print out of the information below for your clients!

In the United States, there are a total of 53.8 million Medicare beneficiaries. That’s a staggering number, especially when you consider there are 10,000 baby boomers turning 65 everyday! It’s expected that by the year 2030, there will be 76 million senior citizens using Medicare-related plans to help with the ever-increasing cost of healthcare and prescription drugs.

Given these statistics it is easy to see why it is important to know what Medicare is, and what it covers. So, just what is Medicare? Medicare is the federal health insurance program for people 65 and older; people with certain disabilities; or people with End-Stage Renal Disease.

A person qualifying for Medicare has three basic options: Medicare A & B; Medicare Advantage; or Medicare Supplements.

Medicare A (Hospital Insurance) and B (Medical Insurance) covers 80% of your healthcare costs, leaving you responsible for the other 20%. There is not an out-of-pocket max, meaning there is no cap on how much you will have to pay. Medicare part A is without cost if you have worked at least 10 years, and you’ve paid into Social Security. Medicare part B can cost anywhere from $120.00 to $335.00 per month, depending on your taxable income (cost may vary by year).

When it comes to covering the 20% Medicare A & B does not cover, you have several options. The first is called Medicare Advantage, or part C. Advantage plans are private insurer plans that can include prescription drug costs and co-pays, with an out-of-pocket max and a potential premium that varies by carrier, plan, and region. You are responsible for all plan costs, unless you find other ways to subsidize them.

Medicare Supplements are just as the name implies – supplements to help you cover expenses Medicare parts A and B do not cover. The cost of a Medicare Supplement policy varies by age, sex, region, and carrier. How much you pay is dependent on the plan you choose. Medicare Supplement plans have the benefit of more coverage compared to Advantage Plans depending on the plan you choose: example: you might be able to go to the doctor with little or no restrictions compared to being tied to a network through a Medicare Advantage Plan.

With a Medicare Supplement, you will want to consider a separate plan for prescription drug costs. Remember the “A,B, C’s” we just introduced? Well, a Prescription Drug plan is known to Medicare as Part “D” Prescription Drug Plans, also known as PDPs. PDPs can help you cover the cost of prescriptions. Medicare Supplements do not typically cover the cost of prescriptions, whereas some Medicare Advantage Plans do. Prices vary for standalone Prescription Drug Plans not typically available with a Medicare Advantage Plan, (depending on the carrier and plan you choose).

As you can see, Medicare can be a confusing subject and your best path for navigating this maze of information is through a licensed insurance agent who specializes in Senior Health Insurance. They can explain the choices and help you make this decision. They can walk you through each plan to help you find the best fit for your lifestyle and budget. 

Share This

Latest Posts

Categories

Follow Us

To get alerts like this with news, tools, and information to grow your business, subscribe to our newsletter or RSS feed, or follow us on social media.

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2023

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • UnitedHealthcare certification for 2023 launches on Monday, June 27, 2022.
  • 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%.
  • 2023 certifications will cover the remainder of 2022.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2023

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • 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.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • 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

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2023 launches on Wednesday, June 29, 2022.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • 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

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2023 Certs will cover the remainder of 2022.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • 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.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • 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.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • 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.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • 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.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails