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Our Mission for Agents
Our goal here at Greenhaven Marketing is to supply a support structure that assists agents in providing insurance products for the diverse needs of their clientele for use.
We provide our personal assistance and companies to form a successful partnership with the independent agent.
What Do We Provide Our Associates?
Niche Products – for Individual as well as Group prospects.
Product Comparisons by company so the product fits your client. i.e. Sales Presentations.
Finding markets for the “difficult to issue” client.
Joint calls, or even calls on your behalf.
Product knowledge seminars & continuing education on products we provide.
Claim assistance for you and your client as well as all policy service issues.
Assistance with late premiums and reinstatements.
Assistance with group benefit design, claims, and enrollment.
Marketing materials for the companies we represent.
Marketing campaigns to help grow your business.
CMS Requires New Verbal Disclaimer to be Read During Telephonic Sales Calls
The disclaimer announced in the 2023 CMS Final Rule extends to telesales calls and must be read within the first minute of the call. This disclaimer now applies to all third-party CY2023 materials as well as telesales calls beginning October 1, 2022.
This rule was implemented after CMS reviewed beneficiary complaints and listened to the sales organizations' telephonic enrollments. From this, CMS determined that many beneficiaries are confused about the enrollment process as well as the plan choices available to them. This disclaimer was created to help clear up that confusion.
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
Although it may feel as though the disclaimer emphasizes what you do not offer, stay focused on what you can offer your prospects. Take time to consider their experience with Medicare benefits, what kind of plan would improve their experience, and work with them to figure out what plans would be best meet their medical and financial needs.
Note: It is anticipated that CMS will conduct surveillance of telesales call recordings to assess compliance during the next year, and they expect all organizations to provide a disclaimer during sales calls.
It is important to update your documents and scripts to ensure that you are incorporating the new disclaimer in time for AEP sales.
If you have any questions, please contact our team at 763-421-1193.
How can I record calls in compliance with the new
CMS call recording requirements?
New CMS Call Recording Requirements:
Greenhaven's Team is here to help!
CMS has new Medicare marketing rules and guidelines that apply to Medicare Advantage plans, PDP plans and MAPD plans — they affect how you work as an agent and will likely mean big changes for you and your organization.
The changes include:
New requirements for third-party marketing organizations like Integrity and its partners
A new process for submitting marketing materials to CMS
A new, broader definition of "marketing" that expands the types of materials that must be submitted to CMS
New requirements for agents to record all calls with beneficiaries
New Requirements, Confusion, and Uncertainty
All calls with beneficiaries must be recorded in their entirety. You are responsible for compliance with this requirement. The requirements are effective now for plan enrollments beginning on January 1, 2023. As AEP is the start of marketing for plan year 2023 enrollments, this means that you should record all calls in their entirety beginning on October 1, 2022.
The Solution: Partnership with Greenhaven and MedicareCENTER
The great news is Integrity is building a call recording capability into MedicareCENTER. This call recording technology will be FREE for all Integrity partners and their downline independent agents and brokers.
Integrity is making this technology available in an effort to assist you with Medicare compliance. However, you are not required to use MedicareCENTER.
You may choose to use a different vendor if you prefer. If you use a different vendor, however, you are responsible for entering into an agreement with and paying that vendor directly.
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