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I would think most carriers will just scrap the 48-hour rule if allowed, but no one wants to make that call until they are clear with CMS's verbiage.
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I would think most carriers will just scrap the 48-hour rule if allowed, but no one wants to make that call until they are clear with CMS's verbiage.
Let's hope so. I mean, it's only common sense. But when have carriers or CMS acted on common sense? I understand their goal with the SOA has been to protect the consumer. But does it really?
On the occasions where I've met with someone without really qualifying them before the meeting (usually a lead from the carrier - in these instances I am presenting the plan they called the carrier about and will not deviate from that) and they ask about a different carrier during that meeting, they look at me like I'm from another planet when I explain I won't be able to discuss that plan with them for another 48 hours after they sign the new SOA. And quite frankly, during AEP I don't have time to be going back on second and third meetings with people.
I don't understand why you tell them you can't talk for another 48 hours. You can always mark down "same day appointment" on the SOA.
Virtually all my appointments are next day so that's what I write on the SOA. The 48 hour rule always stated "if practical". It's pretty much been a non issue.
Rick
I noticed the absence of several rules in the AHIP material.
There's nothing about telling clients you will make a commission if they buy from you. (AKA stupid rule number 1. Like someone 64 or older doesn't know we work on commissions.)
There's nothing about the "A licensed agent will call" wording. (AKA stupid rule number 2)
There was nothing about putting "This is an Advertisement" on your DM postcards and envelopes. (AKA stupid rule number 3. They know it's an advertisement.)
60 days was changed to two months for the SEP rules. (A small but nice change.)
The big change, IMO, is allowing agents to help clients to enroll using third party websites. That may be a game changer for me!
I read each module twice, but I could have missed something. Plus AHIP isn't the exactly the horse's mouth. CMS might not have changed all of the above rules. AHIP (or I) could have just missed something.
I noticed the absence of several rules in the AHIP material.
There's nothing about telling clients you will make a commission if they buy from you. (AKA stupid rule number 1. Like someone 64 or older doesn't know we work on commissions.)
There's nothing about the "A licensed agent will call" wording. (AKA stupid rule number 2)
There was nothing about putting "This is an Advertisement" on your DM postcards and envelopes. (AKA stupid rule number 3. They know it's an advertisement.)
60 days was changed to two months for the SEP rules. (A small but nice change.)
The big change, IMO, is allowing agents to help clients to enroll using third party websites. That may be a game changer for me!
I read each module twice, but I could have missed something. Plus AHIP isn't the exactly the horse's mouth. CMS might not have changed all of the above rules. AHIP (or I) could have just missed something.