Category Archives: Insurance News

Important: Writing Medicare Supplements for Deemed Clients.

Many of your Cost Plan clients were deemed into a Medicare Advantage plan by their former Cost Plan carrier.  Blue Cross and Blue Shield Cost Plan clients often had a standalone Medicare Blue Rx plan, all Advisors should know that the deeming process will cause CMS to cancel their existing standalone Part ‘D’. In every […]

Change in prelicense examinations for licensees

The Minnesota Department of Commerce has announced that starting on January 1, 2019 Pearson VUE will now provide all insurance, real estate, and real property appraiser prelicense examinations. See the press release below. Contact Sales@LeClairGroup.com with questions. Effective January 1, 2019, Pearson VUE will provide all insurance, real estate, and real property appraiser prelicense examinations administered […]

Guidelines for SEP, Open Enrollment and GI

As we transition from AEP to Special Enrollment, Guaranteed Issue, Open Enrollment and the 5-Star SEP, we have developed a grid for your reference. Medicare Advantage and Part ‘D’ sign up always depends on having a valid enrollment period.  CMS regulated plans such as Medicare Advantage and Part D’s have an Annual Election Period (AEP), […]

Medicare Special Enrollment begins December 8, 2018

AEP is winding down across the United States, and many of your Cost Plan clients have additional time to enroll in a new Medicare plan as the Special Enrollment Period (SEP) begins on December 8, 2018. Medicare Cost plans are ending in 66 of our 87 counties in 2019 (see map). This means around 370,000 Minnesotans need […]

New Tax Deductible Limits for Long-Term Care Insurance Announced by AALTCI

The American Association for Long Term Care Insurance has announced the 2019 Tax Deductible limits. Read the press release below. Contact Dutch Koop with questions. Increased tax deductible limits in 2019 that can provide significant tax savings for owners of traditional long-term care insurance policies were revealed today by the American Association for Long-Term Care […]

Medicare for all?

As a member of Minnesota Association of Health Underwriters’ (MAHU) Board of Directors,  I am engaged in ensuring the futures of professional advisors in every community across the United States. The question of Medicare or a single payer government-run health coverage for all, is an easy slogan for politicians.  As advisors we should stay focused […]

UnitedHealthcare – a strong choice for your clients

Are you discussing UnitedHealthcare’s Medicare Advantage plans with your clients?  One thing to know is how UHC’s Navigator program combines the wide network of a PPO plan with the managed care of an ACO plan. Another area UnitedHealthcare’s plan excels is in an extremely strong formulary. Start sharing the value of UnitedHealthcare and their AARP […]

Top six AEP mistakes to avoid, plus market trends

The busiest ever Medicare season in Minnesota, new products, new carriers, it appears everything is changing.  What isn’t changing is the need for advisors to help clients in every community across the state.  Our top AEP mistakes are drawn from what we have seen and aimed at navigating everyone safely through the season. If you […]

Wanted: Long Term Care advisors

It’s not easy talking about long term care, but it is important to continually discuss this option with your clients; and now is the perfect time to check in with your clients and talk about long term care planning, especially since November is Long Term Care Awareness Month. The Long Term Care Insurance industry has […]

State regulators warn of deceptive Medicare marketing

If you haven’t already read it, take a look at today’s article in the Star Tribune.  Many, if not all, of your clients are on the mailing lists of Medicare.com, Medicare.net and other Official “Medicare” sounding organizations with the message always being “Call us ASAP!” We’ve been saying all year how important it is for every advisor […]