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With highly effective coronavirus vaccines available and hospital admissions soaring, many Covid-19 patients are facing bigger bills as most insurance companies have ended waivers on out-of-pocket costs that they introduced earlier in the pandemic, according to the Kaiser Family Foundation, a cost that will be primarily borne by the unvaccinated people more likely to require hospital treatment.  KEY FACTS Earlier in the pandemic, the vast  majority  of private health insurers voluntarily waived out-of-pocket costs for Covid-19 treatment, meaning some 88% of people with insurance coverage would have paid nothing if hospitalized.   With no federal mandate requiring insurers to waive these costs, few regulations requiring them to do so  at the state level  and the wide availability of effective vaccines, the majority have now passed these costs back to patients,  according  to research by the Kaiser Family Foundation.  Of the two largest health plans in each state and Washington, D.C

Three ways to engage throughout Life Insurance Awareness Month. Your clients and prospects have lived through many changes over the past two years, which have underscored the need for life insurance more than ever before. Take this opportunity to reach out and help them understand what “With life insurance, I’ve got you.” might mean to them and to their loved ones. Three ways to engage throughout Life Insurance Awareness Month: Check NL Edge for weekly sales ideas.   Each week, we’ll feature a new sales idea in NL Edge to give you new insight and a competitive advantage. Get social.  Connect with clients and future customers using the power of social media. You will find a wealth of life insurance themed content available. Affiliated Agents: Please ensure NLG content is only shared through approved social media sites using Hearsay. See the Affiliated Social Media Playbook for how to do this. Independent Agents: Review the Social Media Playbook and don’t forget to follow the D

CMS will provide updates and information agents and brokers need to successfully operate in the marketplace.   Checkout the available ACA Certifications & ACA Contracting  

It's finally here... Molina has announced their 2022 market expansions! Follow the link below to view all the available service areas for Molina including their existing Footprint and their New Expansion Counties. Click here to view the full PDF breakdown of state maps and new expansion counties >   And don't forget about your Molina ACA contracting!

All broker advertising utilizing Ambetter branding must be submitted for Ambetter approval before use. Ideally, we are in need of 7-10 days to review. This allows for any necessary revisions and a final round of approval, as well. Co-branded items include, but are not limited to: posters, billboards, video endcards, banner ads, social media posts, radio scripts, etc. Submit your marketing materials to your Sales Representative. Acceptable artwork/copy formats include: PDF, PNG or Word formats. If additional edits or changes are needed, the review process will start over at step one. Upon final approval from Ambetter, you can begin using approved artwork. View the Broker Co-branding Guidelines for full guidance on how to use the Ambetter brand. The Broker Co-branding Guidelines are also available in the broker portal in the Training Materials section.       And don't forget about your Ambetter Contracting !    

 Bright Healthcare expands for 2022!  New states include Texas, which has the third largest IFP population, significantly expanding Bright HealthCare’s total addressable market. The company also announced an expanded product portfolio in states where it already does business, including Florida, California, Colorado and North Carolina. Bright HealthCare will be the first plan in six years to be added to Covered California, California’s state-based exchange.  Map represents states covered and is not meant to represent actual coverage areas, which are county- and in some cases zip-code specific. All coverage areas are subject to benefit plan approval by the Centers for Medicare & Medicaid Services (CMS) and/or final state regulatory approval, including requisite state insurance or HMO licensure approvals.   DOWNLOAD & VIEW MAP PDF > _____ MINNEAPOLIS--( BUSINESS WIRE )--Today, Bright HealthCare , the healthcare financing and distribution business of Bright

  Health Care Service Corporation Launches Biggest Expansion of Medicare Advantage Plans in Company’s History Medicare-Eligible Beneficiaries Have Greater Choice Of Medicare Products Through Expanded Footprint in Over 90 New Counties CHICAGO  — Health Care Service Corporation (HCSC), which operates health plans in Illinois, Montana, New Mexico, Oklahoma and Texas, announced the company is increasing its footprint in the Medicare Advantage market to serve more than 90 new counties, increasing access to new coverage options for more than 1.1M additional Medicare-eligible individuals. The expansion is the company’s largest service area and product expansion in its history, particularly in rural and underserved areas. HCSC’s Medicare Advantage plans allow Medicare eligible individuals greater flexibility and choice in coverage, offering enhanced benefits and greater value. Premiums can vary by geography, including some $0 premium HMO and PPO plan offerings. Medicare Advantage plans may als

Enroll in different plans on the same application With Multiple Enrollment Groups, it's easy to place applicants in different plans on the same application.    When it may be useful to select multiple plans for a single application When applicants have different health needs When applicants have different provider needs When applicants have different prescription drug needs Summary of how it works After filling out the application, you'll be able to shop different plans for different applicants Applicants on their own plan have their own separate premium payment, deductible, out-of-pocket max. If any applicants are on the same plan, they'll be in a "group" – on the same premium payment, family deductible, and family out-of-pocket max. The subsidy for the household will be portioned out between applicants using a formula from CMS. If an applicant doesn't use all of their subsidy portion, it goes to the other appl

Blue Cross & Blue Shield of Texas: Medicare, Group & Retail BCBSTX Expands Medicare Advantage Market Area, Choices As you may have just heard, Blue Cross and Blue Shield of Texas (BCBSTX) is increasing its footprint in the Medicare Advantage (MAPD) market. In addition to expanding the market area to 59 Texas counties, new MAPD products will be introduced.     Get Certified and Receive a Gift Card In recognition of your costs related to training and testing to become Medicare Certified to sell our Blue Cross Medicare Advantage SM and Blue Cross MedicareRx SM plans, we will provide a $50 Visa Gift Card to agents who complete our required 2022 product certification no later than Sept. 1, 2021 .   The gift card is not compensation for the sale or renewal of any policy or enrollment. Supplies are limited to the first 5,000 agents.   To take advantage of this offer:

Aetna, CVS Health to enter the Affordable Care Act (ACA) individual insurance marketplace in Texas for January 1, 2022 This combines the health coverage of Aetna®, a CVS Health company, with local care at CVS Pharmacy®, MinuteClinic® and CVS® HealthHUB™ locations to deliver a quality, affordable health care experience.   WOONSOCKET, R.I. , Aug. 4, 2021 /PRNewswire/ -- Aetna and CVS Health (NYSE: CVS ) will enter the individual insurance marketplace in Texas (specifically in select counties in the Austin , El Paso , Houston and San Antonio markets) with the first Aetna CVS Health hybrid-branded insurance product, providing access to health care for more Texans. Aetna and CVS Health bring together quality along with convenience and expanded services to meet consumer health needs, simply and affordably.  "With the combined strength of Aetna and CVS Health, we're uniquely positioned to provide greater value for consumers, particularly the millions of Americans who are u