What’s in your portfolio?

With AEP quickly approaching, now is the time to review your portfolio to make sure that you have a full suite of carriers and products to offer your clients.

When selling Medicare, it’s important to have a variety of options available so that your aging-in clients will have a choice of what benefits best suit their needs. Below are some of the key features of the carriers that should be in your portfolio.


Blue Cross and Blue Shield of Minnesota

Trusted locally for more than 85 years, Blue Cross Blue Shield of Minnesota (BCBS) has been inviting people to Live Fearless by offering a robust portfolio of Medicare products that cover the entire state of Minnesota. Blue Cross and Blue Shield of Minnesota offers Medicare Advantage Plans, Medicare Cost Plans, Medicare Supplement Plans & Prescription Drug Plans.

In preparation for the 2020 plan year, Blue Cross has announced an agreement with America’s Health Insurance Plans (AHIP) providing Blue Cross agents with discounted pricing for 2020 Medicare Core training.

2020 Medicare Certification is now open. The Deadline to complete certification is September 15, 2019

UCare

UCare has provided health insurance in Minnesota since 1984 and has specialized in Medicare products since 1998. UCare, Minnesota’s fourth largest health insurance non-profit provider, offers coverage and services to more than 300,000 members in Minnesota and Western Wisconsin. They specialize in Medicare Advantage plans and are known for broad networks, attentive service, and competitive pricing.

2020 Medicare Certification: Opens August 26, 2019

Humana

Humana, based out of Louisville, Kentucky, is the second largest Medicare Advantage provider in the country. Humana features one of the best line-ups of Medicare products nationwide bringing you Medicare Advantage, Medicare Advantage plans with Rx, Stand-Alone RX drug plans and Medicare Supplements.

2020 Medicare Certification: Now open

UnitedHealthcare

UnitedHealthcare is the nation’s leading Medicare carrier and a licensed partner of AARP. Nationally, UHC is number one in Medicare Advantage enrollment, number one in Medicare Supplement enrollment, and number two in Prescription Drug Plan enrollment. UHC leads the Medicare Advantage market with three straight AEPs of top growth and has dramatically increased their footprint in several Minnesota counties.

2020 Medicare Certification: Now open

HealthPartners

HealthPartners strives to create the best health care experience possible and provides top-level personal support. Founded in 1957 as a cooperative, HealthPartners is the largest consumer governed non-profit health care organization in the nation, serving more than 1.8 million medical and dental health plan members nationwide. They offer Supplements, Medicare Advantage and Cost Plans in Minnesota and Western Wisconsin.

2020 Medicare Certification: Opens August 19, 2019

Medica

Medica’s mission is to be the trusted health plan of choice for its members and their affordable options make finding the right plan easy. With a wide selection of plans to choose from, Medica can offer your clients the solutions that they need. Medica offers Medicare plans in 6 states including Cost Plans, Medicare Advantage and Medicare Supplements.

2020 Medicare Certification: Now open

Aetna Coventry / Allina Health | Aetna

Allina Health | Aetna Medicare Advantage plans are available in 12 counties in Minnesota. These plans provide agents with another option for their clients during the upcoming Annual Enrollment Period. With 28 major hospitals and hundreds of clinics in network, Allina Health | Aetna is a great option for your clients. Allina Health | Aetna’s plans also provide simplicity with one ID card for health and Part D, as well as additional benefits such as fitness and access to a best-in-class care management team. Silverscript is now available under Aetna Coventry.

2020 Medicare Certification: Now open

Aetna

Nationally, Aetna through their Continental Life, American Continental, and Aetna Health & Life Insurance Company subsidiaries, offers Medicare Supplements in most states. You’ll not just see how competitive the rates are, but also how low Continental Life has kept their rate increases relative to other Medicare Supplement carriers. Aetna also offers ancillary health products to cover additional gaps in coverage.

2020 Medicare Certification: None

SilverScript (Aetna Coventry)

Silverscript is a specialist Part D insurer. If you sell Medicare Supplements you need SilverScript in your portfolio. Offering $0 annual deductibles on all prescriptions, low premiums, low copays, 3,300 covered Medicare prescription drugs, 24/7 customer care, as well as Standard, Preferred and CVS Caremark Mail Service pharmacy services.

2020 Medicare Certification: Now open

Cigna Supplemental Benefits

Cigna is your partner in health. Cigna is a global health service company with 95 million customers around the world and more than 40,000 employees worldwide. As your partner in health, they offer an expansive network built to help your clients meet their health goals. Medicare supplements are available in most states along with other ancillary products.

2010 Medicare Certification: None


In addition to these Medicare carriers, also consider adding the following ancillary products to your portfolio to help round out your client’s Medicare coverage.

Guarantee Trust Life (GTL)

GTL’s affordable hospital indemnity plan, Advantage Plus, has been the leader in the industry for the past 14 years and can substantially reduce or completely eliminate out-of-pocket costs that can stem from hospital confinement, ambulance use and much more. Features of GTL’s Advantage Plus plan include:

  • Hospital stays even if they are qualified as “observations.”
  • The plan is offered up to age 85, and never lapses if all premiums are paid.
  • The plan is ‘guarantee issue’ between the ages of 64½ and 65½, making clients with serious health conditions, such as COPD, diabetes, heart failure, etc. able to attain this valuable coverage.

Ameritas

Ameritas offers a competitive array of individual dental and vision insurance products throughout the United States and prides itself on creating dental and vision solutions to fit just about every need. Ameritas dental and vision insurance features day one coverage and competitive networks with immediate discounts. Ameritas dental plans feature the Ameritas Dental Network, one of the largest dental networks nationwide and offer the same monthly premium for all ages, making Ameritas dental an especially great value for your senior clients. Ameritas vision plans offers EyeMed or VSP networks, two of the largest vision networks available.

GeoBlue
GeoBlue provides peace of mind to world travelers anywhere in the world via an elite network of providers, innovative mobile and online tools, and exceptional customer service. GeoBlue sets the standard for complete, reliable, convenient protection of your health and safety in the global community. You do not have to be currently enrolled in a Blue Cross and/or Blue Shield medical plan to purchase a GeoBlue plan. Discover the full array of travel and international medical plans for global lifestyles and sophisticated travelers. From a 2 week leisure trip to a 2 year work assignment, they’ve got you covered.


LeClair Group ensures your business gets the backing it needs to deliver fast, high-quality service to your clients. Better together, our expert sales desk team are here training and supporting your sales, backed up by industry leading quoting and illustration tools to grow your business.

To get appointed with any of the above carriers, contact LaRae Mills or Weston Peterson on LeClair Group’s Medicare team, or submit a request for contracting online.