News and Updates

Integrity Expands Midwest Footprint with Acquisition of Emrick Group

DALLAS — June 5, 2019 — Integrity announced it has entered into a definitive agreement to acquire Emrick Insurance Marketing Group, an insurance marketing organization headquartered in Illinois. “As a family-owned and operated company, we have grown through a strong tradition of ethical business practices and first-rate service for our customers and agents,” said Brenda Emrick-Kennedy. “As soon as we spoke to Bryan and the Integrity team, we knew they shared our commitment to these principles.”

Copy of 2020 Medicare Advantage & PDP

2020 Medicare Advantage and PDP commissions are released.  CMS has increased commissions for the 5th year in a row!  Click here to view the CMS release.

Quote Engine Tutorials

Medicare Supplement

Medicare Advantage/PDP

Final Expense

Cancer In Situ*

*US /.In ‘ sit. u / formal

  • situated in the original, natural, or existing place or position
  • Medicine/Medical
    • in place or position; undisturbed
    • (especially of a malignant tumor) in a localized state or condition

So your client has gotten the best news!  The cancer is contained in the original site.  It has not spread, a reward for early detection!

Now for the bad news “Your cancer policy will not pay or will only pay a small percentage of the benefit!”

Does the cancer policy you offer to clients decrease benefits for Cancer In Situ?

Aetna Cancer and Heart Attack or Stroke Plus policy will pay 100% when your client is diagnosed with cancer.  Period!**

**Exclusions: Skin Cancer, other than Melanoma

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Aetna’s 2020 Sales Incentive Trip

Aetna has released the 2020 San Francisco sales incentive trip!

In the video below watch as Ty Wooldridge and legendary Pro Football Hall of Fame member Joe Montana give you a sneak peek of what you can expect.

Aetna Video

View complete trip qualification details here.

Keep up to date with Emrick Group

Medicare supplements rate changes, new companies coming in and old companies going out, how do you keep up? Emrick Insurance Marketing Group has the tools to keep you updated with all the changes in the senior market.

Get a quote anytime anywhere at www.emrickgroup.com. Quote Medicare Supplement, Medicare Advantage, Final Expense and Hospital Indemnity and always get the most up to date and accurate rates!

The quote engine at www.emrickgroup.com is for your use in every day sales. It can be used on your computer or download the Emrick Group App on your Apple or Android device!

Give us a call if you don’t have a username and password or if you have questions.

S.W.A.T. Method

I have always used the S.W.A.T. method when working in the senior market.  When you are seeing clients or potential clients it is very easy to start talking about all of the changes coming in the future when in reality no one really knows what the future brings.  Reviewing the plan they currently have along with the premium addresses the real time issues.

We have to educate the public more today than ever before.  For instance, a Plan G may be a better buy than a Plan F even after the Part B deductible of $185.00 is out of pocket.

Example

Plan F – $180.00 per month    $2,160.00 yr

Plan G – $130.00 per month    $1,560.00 yr + $185.00 (out of pocket Part B Deducible)

The client is saving $50.00 a month which is $600 a year.  Even with the $185.00 deductible out of that they are still saving $415.00 in real money.

Today the most popular plans are Plan F, Plan G and then Plan N.

Every person has a different idea of which plan is best for them and this is where the S.W.A.T. method comes into play.  Take Care of “Today” today and worry about the “Future” in the future.

Medicare Open Enrollment Period (OEP)

Starting January 1st, 2019 there will be an Open Enrollment Period that will allow Medicare beneficiaries to make plan changes until March 31st, 2019. 

The new OEP will allow clients to disenroll from their current Medicare Advantage plan and switch to a different Medicare Advantage plan one time only.  They can also disenroll from a Medicare Advantage plan and go back to Original Medicare and then purchase a supplement and/or a PDP.

Below are examples of the criteria for allowed changes:

  • MAPD to MAPD or MA Only
  • MAPD to Original Medicare (with or without PDP)
  • MA Only plan to MA Only or MAPD
  • MA Only Plan to Original Medicare (with or without PDP)

 

2019 Medicare Advantage & Part D Certification

Certification for 2019 Medicare Advantage & Part D is now available for the following companies…

  • Blue Cross Blue Shield
  • UnitedHealthCare/AARP
    • www.uhcjarvis.com
    • New this year: If you have not already, you will need to register for an Optum ID.
    • AHIP is not required but is available.  If you wish to take AHIP click on “AHIP Certification for our EDC Partners”.  Once this has been clicked you must complete AHIP.
    • Click here for the step by step instructions.
  • Aetna/Coventry coming July 11th
  • Humana coming July 17th

Companies listed below will release certification soon.

  • Centene
  • Community Care Alliance of Illinois
  • Health Alliance
  • Meridian
  • Silver Script

If you have any questions or have problems logging in please give us a call at 800-247-6740.

Not Contracted? No Problem!

Call Emrick Insurance Marketing Group 800-247-6740 to get contracted.

Internal Everest Replacements

Effictive immediately, Everest will no longer accept applications for internal replacement to lessor Medicare Supplement business.

This applies only to an Everest to Everest switch to a lessor plan guarantee issue business.

Click here to see the official memo.

 

Shenandoah Life Medicare Supplement! 

Emrick Insurance Marketing Group would like to introduce you to Shenandoah Life Medicare Supplement.  The highly competitive rates are available on the quote engine Quote Engine.  Other benefits include: Click to Read More

Medicare Supplement Coverage …. Not Enough!

Owning a Medicare Supplement alone can leave some major holes in coverage.  The two areas where we are seeing the most out of pocket expenses are Skilled Nursing Facility stays as well as Cancer treatment.  Now is the time to start filling those gaps for peace of mind for both you and your clients.  Click to Read More

Product Bundling 

Work Smarter, Not Harder

 “This is an actual case that I recently helped an agent with.”

Clients age 73 Male and 73 Female called an agent to ask for an appointment. They each had a Medicare Supplement Plan F, purchased from the agent 4 years ago. The premiums had gone to around $6,400.00 annually for both of them. The agent called me for underwriting advice and they are both healthy enough to apply to a different company. They wanted to stay with a Plan F. Any company we proposed would save them money. As the agent and myself continued to talk about this case we decided to propose the following:  Click to Read More