UnitedHealthcare (UHC) requires that the Request for Appointment of Insurance Producer Form (RFA) be completed by all producers (individuals and business entities) seeking to sell UHC products. Agencies must have at least one writing agent appointed in each state in which the agency conducts business.
Full Answer
What types of Medicare events can I hold?
In general there are 2 types of Medicare Events you can hold, Educational Events and Sales Events. The educational event is meant for you to share information, and answer any questions your prospects or their care-givers may have.
Where should I Hold my health care marketing event?
For starters, your event must be held in a public setting where individuals do not receive health care services. This is not just relegated to hospitals. It may include Expos, Health Fairs or similar events. I think it goes without saying that having potential clients in your own home for marketing purposes is not allowed.
Can I show a Medicare beneficiary at an event?
At your event, you are allowed to show a Medicare Beneficiary anything on a carriers website, but avoid digging into the specifics. You could utilize a Scope of Appointment (SOA) to collect information compliantly, and make an appointment to discuss at a later time.
Where can I conduct sales activities in a hospital setting?
Note, you may carry out sales activities in common areas of health care settings, including common entryways, vestibules, waiting rooms, hospital or nursing home cafeterias, and community, recreational, or conference rooms.
What types of events must be reported to UnitedHealthcare?
UnitedHealthcare policy requires that all events, educational and/or marketing/sales (including formal and informal), be reported to UnitedHealthcare prior to any advertising and no less than 7 calendar days before the date of the event.
Which of the following must you not do when marketing UnitedHealthcare?
As an agent, you must not do which of the following when marketing UnitedHealthcare Medicare Advantage plans to consumers? Use providers or provider groups to distribute printed information comparing benefits of different health plans without approval.
What is an informal marketing sales event for Medicare?
Informal sales events are held in a less structured style or in a less formal environment. And, typically utilizes a table, kiosk, or a recreational vehicle (RV) staffed by a plan representative who can discuss plan products. Remember, beneficiaries must approach agents first.
When Must marketing sales event be reported to UHC?
According to CMS regulations and UnitedHealthcare policy, agents are prohibited from conducting a marketing/sales event immediately following an educational event. There must be at least one hour separating the conclusion of an educational events and the beginning of a marketing/sales event.
Which of the following must you not do when marketing United Healthcare Medicare Advantage?
Mailing a marketing brochure to the consumer via postal mail. As an agent, you must not do which of the following when marketing UnitedHealthcare Medicare Advantage plans to consumers? Use providers or provider groups to distribute printed information comparing benefits of different health plans without approval.
What do Medicare educational events allow?
An educational event is an event designed to inform Medicare beneficiaries about Medicare Advantage, Prescription Drug or other Medicare programs and does not include marketing/selling.
What are some examples of informal events?
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What actions are prohibited during marketing sales events for Medicare?
Cannot send unsolicited text messages and leave voicemail messages. May call or visit beneficiaries who attended a marketing/sales event prior permission is given and documented. Cannot approach beneficiaries in common areas (i.e. parking lots, hallways, lobbies, sidewalks).
Can you request RSVP for Medicare marketing event?
When creating ads or invites, you cannot require potential attendees to provide contact information to RSVP for the event. While you may plan to educate attendees on Medicare programs during your presentation, you cannot say your event is “educational.” You should disclose the products you plan on reviewing.
What is considered by CMS to be a sales and marketing event?
What Does CMS Consider a Sales Event or Appointment? An activity will be considered a sales event or appointment if it is designed to persuade potential enrollees to choose a specific plan (or set of plans), according to CMS.
When must a marketing sales event be reported?
Report all marketing/sales events (including additional events reported throughout the month) prior to advertising the event or 10 calendar days prior to the event's scheduled date, whichever is earlier.
What is bundling at a sales event?
Bundling is a marketing strategy where companies sell several products or services together as a single combined unit. The bundled products and services are usually related, but they can also consist of dissimilar items which appeal to one group of customers.
What is a United Healthcare Medicare Sales for Agents contract?
A United Healthcare Medicare Sales for agents contract is an important contract for a broker. UHC offers not only Advantage and Part D but also Supplement plans. Plans are available in all 50 states. Brokers should offer a selection of products. UHC offers plans starting at a $0 premium and up to the high-end Medicare Supplement plans.
Can a broker contract with United Healthcare?
Independence: Broker contracts with United Healthcare Medica re sales are not captive contracts. As a result, if you are a broker who contracts for United Healthcare Medicare sales you will be able to contract with any other Medicare companies.
Does UHC pay Medicare supplement commissions?
UHC pays Medicare supplement commissions on a weekly basis via direct deposit. They are not only very accurate with payments and agents but also can easily track all comp on their broker site. UHC offers a variety of both Advantage and Part D Rx plans in most states including $0 premium MAPD plans in many states.
Is UHC a captive contract?
Contracts are provided to independent brokers. This is not a captive contract. Agents are able to contract with other companies while having this contract. Advantages of contracting with UHC: UHC MAPD plans and UHC Medicare supplements: In fact, UHC Medicare supplement plans are available in almost all states.
Does United Healthcare offer seminars?
United Healthcare Medicare sales for agents: Seminars: UHC provides a seminar program to qualified brokers. Not only will UHC pay for all advertising, (newspaper and mailers) but also presentation/sales materials. They will provide training on how to run a successful seminar.
Do you need a license to sell UHC supplements?
UHC does require certification to sell their supplement plans as well. Agents need to confirm ready to sell status prior to soliciting. Do not sell a UHC MAPD plan in a state you are not licensed in. In brief, If you are selling in other states, be sure UHC has that license on file.
What are the two types of events that Medicare can hold?
In general there are 2 types of Medicare Events you can hold, Educational Events and Sales Events. The educational event is meant for you to share information, and answer any questions your prospects or their care-givers may have. An educational event is not intended for sales activities like distributing plan specific marketing materials ...
What is Medicare Educational Event?
A Medicare Educational Event gives agents an opportunity to get in front of prospects and their caregivers who are looking to learn about Medicare, Medicare Advantage, Part D and other Medicare related programs.
How much notice do you need to give for a cancellation?
If you have to cancel an event, there are best practices you should be aware of. You should strive to give your attendees at least 48 hours notice of the cancellation. Along with the following best practices, you should follow up with your carriers as they may have specific requirements regarding event cancelation.
How long do you have to stay at a venue after the start time?
You or your rep must remain their until at least 30 min. after the original start time.
When do you have to fill out a registration form?
In most cases they will require you to fill out a form detailing your event. You will normally be required to submit the registration the month prior to the event, so make sure you understand the timeline of the requirements before setting an event date.
Can you compare a carrier plan to another?
Compare one carrier’s plan to other by name without first getting written consent from all carriers involved in the comparison or without having careful studies or statistical data to back up comparisons.
Can you require a prospect to fill out contact information to RSVP?
You cannot require potential prospects to fill out contact information to RSVP to your sales event. Your marketing materials must also contain the disclaimer: “For accommodations of persons with special needs at meetings call <phone number and TTY number>".
How long after a qualifying life event can you change your health insurance?
Changes can most often be made either 30 or 60 days after the qualifying life event happens. Here’s a little about each event that might qualify.
How long do you have to wait to sign up for a life event?
Missing this deadline could mean having to wait until the next open enrollment, which could be as long as a year.
What is Medicare Part C?
Part C: (Medicare Advantage): Medicare Part C/Medicare Advantage is a private health plan combining hospital and medical insurance, plus the potential for additional health benefits. Find a Medicare Advantage Plan that may be right for you. Learn more about UnitedHealthcare Medicare Advantage (Part C) plans.
What is a qualifying life event?
A qualifying life event is a big life-changing situation — sometimes planned, sometimes unexpected — that can impact you and your health insurance. Experiencing a significant life change may allow you to change your health plan outside of the annual enrollment period (also called open enrollment ).
What are family changes that count as qualifying life events?
Family changes that count as qualifying life events include: When it comes to health insurance, turning 26 is a milestone birthday — it’s time for the baby birds to “leave the nest” of their parents’ health insurance and find their own plans. Another change that can affect special enrollment eligibility is moving.
Why do we put on events for Medicare Advantage?
Events put on to educate the public about Medicare Advantage and Part D can be a great way to establish your presence in the community. Marketing events are different than educational events because they allow you to steer members to a specific plan by providing information about plan benefits, plan cost sharing and a plan’s provider network.
What is the difference between a sales event and an educational event?
The main difference between sales and educational events is that no sales or marketing activities can take place at an educational event. An educational event is an event designed to inform Medicare beneficiaries about Medicare Advantage, Prescription Drug or other Medicare programs and does not include marketing/selling.
What are the two types of events?
There are two types of events — sales/marketing events and educational events. CMS treats each event differently, and the type of event you are having determines how you advertise the event and what you can do marketing-wise at the event. The main difference between sales and educational events is that no sales or marketing activities can take ...
Why does CMS take Medicare monitoring seriously?
CMS takes the monitoring of Medicare agents seriously in order to protect seniors and the elderly from unscrupulous agents trying to take advantage of seniors.
How to plan for a disaster?
You cannot plan for disaster or the unexpected so start planning how your agency or business will continue without you. Look for the agents or business partners that can carry out the vision for your business should you retire, or pass away. Each person needs to know who would handle the responsibilities like payroll/billing, contracting, or office management. Make your decisions final with the help of the lawyer to downplay chance of problems down the road.
Does CMS have compliance rules?
CMS mandates compliance rules for everyone, but each carrier has additional and different guidelines and protocols an agent must follow. Knowing how each company differs will save you time so you don’t duplicate any unneeded steps.
