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With over 30 years in the industry, we are confident that we can help you take your business to the next level! Whether you are new to the business or a 20 year veteran, we are here to help. Take a moment to familiarize yourself with our exciting portfolio of carriers and products you will find that we only represent the best! Once you begin a relationship with Eldercare you will have access to nationwide quote engines, production reports, view company appointments, writing numbers in all states you are appointed just to name a few.

We offer customized lead programs, training from the best agents in the country, prospecting tools, contest incentives and much more. Our goal is not only to train you how to maximize your time doing what you do best, but also to build a relationship that last for many years to come. Our company is run by veteran agents that understand and respect what you need to be successful. You are not just a number to us! Call today and let us start working for you to ensure your continued success in the most booming industry in the country!

  • 2018 Scope of Appointment Changes!

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    The Centers for Medicare & Medicaid Services (CMS) have updated the Scope of Appointment regulations for 2018.

    What changed?

    • Effective October 1st, 2017,  agents are no longer required to obtain a signed Scope of Appointment 48 hours prior to 1-on-1 appointments (in person or telephonic).
    • In addition, agents will no longer need to provide an explanation as to why the Scope of Appointment wasn’t documented 48 hours prior.

    What stayed the same?

    • All applications must be accompanied by a Scope of Appointment at the time of submission.
    • Although the 48-hour rule no longer applies, it is still required that the agent obtain a signed Scope of Appointment prior to the start of the appointment.
    • Agents cannot market products that were not outlined in the signed Scope of Appointment prior to the meeting.
    • If the beneficiary shows interest in a product that they didn’t agree to discuss in advance, the agent must attain a second signed Scope of Appointment before proceeding to market the additional product.

     

  • What Coverage Changes Can Be Made During AEP?

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    The Annual Enrollment Period (AEP) is quickly approaching, and many customers will want to make health coverage adjustments to fit their needs in 2018.

    Changes that can be made during the Enrollment Period (Oct. 15 – Dec. 7) for a January 1st effective date include:

    • Change from Original Medicare (Part A & Part B) to Medicare Advantage (Part C)
      In order for your customer to transition from Original Medicare to Medicare Advantage, they simply enroll in the Medicare Advantage Plan they have chosen.
    • Change from a Medicare Supplement (Medigap) to Medicare Advantage (Part C)
      After enrolling in the Medicare Advantage Plan, your customer will need to contact their current insurance company to cancel their Medigap policy.
    • Change from Medicare Advantage (Part C) to Original Medicare (Part A & Part B)
      Your customer will contact Medicare or their current plan to disenroll. When disenrolled, they automatically have Original Medicare (Part A and Part B).
    • Change from Medicare Advantage (Part C) to a Medicare Supplement (Medigap)
      To switch, your customer must buy a Medigap policy then disenroll from the Medicare Advantage Plan.
      If it is your customer’s first time to join a MA plan, they can return to Original Medicare within 12 months of joining if they decide they don’t like the plan.
      It is illegal to sell your customer a Medigap policy while they have a Medicare Advantage Plan unless they want to switch back to Original Medicare.
    • Switch from one Medicare Advantage Plan (Plan C) to another Medicare Advantage Plan
      Once enrolled in the new plan, they will automatically be disenrolled from their current plan when the new plan’s coverage begins.
    • Join, switch, or drop a Prescription Drug Plan (Part D)
      If your customer has Original Medicare or a Medicare Advantage Plan that doesn’t include prescription drug coverage, they can join a Prescription Drug Plan.
      To switch, they simply join the new plan. Their current plan will automatically disenroll them when the new plan’s coverage begins.
      In order for them to drop their Prescription Drug Plan without enrolling in a new plan, they will need to notify the plan by submitting a disenrollment notice.

    For a successful Annual Enrollment Period, utilize our AEP Agent Resource Center to confidently and efficiently help your customer’s make the health coverage changes they desire.

     

     

     

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