Yep way too many rules. I only do face to face. I have them pull out all their drugs, search the [FONT="]formulary[/FONT], I ask about Docs, do a doctor network search, etc.
[FONT="]It is tough enough to get some seniors to understand when you are showing the [/FONT]printed material and over the phone, to me, could be an E&O problem in the waiting. Worse yet would be a problem with CMS.
How do you handle the rules and the need to leave information? How do you handle the Scope of Appointment? I would assume a scheduled telephone call is an appointment.
One carrier only allows
I'm trying to figure out how you are doing it and staying within the myriad of CMS rules? It would be good to know for future reference.
I thought it said appointments? To me I would need CMS to define appointment. An appointment can be a set time on the telephone or a F2F. IMHO - CMS is a legal wonk organization where everything must be defined. An appointment in the dictionary doesn't say it is just a F2F meeting. "a fixed mutual agreement for a meeting; engagement, a meeting set for a specific time or place. So in the legal world an appointment can be just a specific time or it can be a specific place.
We did have a president that wanted to define the word IS as a defense.
I am not saying that CMS says it is or isn't only F2F but in the AHIP cert test it was for an appointment.
I'm cool with it if you can find how CMS defines appointment.
- - - - - - - - - - - - - - - - - -
Ok I went searching for a definition of appointment but I didn't find it but I did find this ...........
The New Medicare Regulations—What They Mean for NAHU Members Selling Private Medicare Products
Documenting That a Beneficiary Approves the Scope of the Appointment
All producers must document that, prior to making an appointment, the beneficiary agrees to the scope of products to be discussed. Appointments made in person require written documentation and appointments made over the phone require recorded documentation.
So I ask this question, if CMS wants a SOA to be kept for many, many year, are we to think that talking over the phone is a loop hole? Heck if phone apps allow you to bypass a lot of the leave this behind, sign this, keep an SOA for 10 or 15 years.......it would seem that agents should flock to telephone only MA work.
I'm just playing devils advocate because I have yet to see in writing how CMS looks at telephone appointments. All wonks are a PITA. I remember when I was still an S7 guy, e-mails were new and we weren't allowed to use E-mail.
CMS doesn't define light snacks either and I guess it can be left up to a cat fight between an agent and CMS.
"However, you can provide light refreshments or snacks to
perspective enrollees. CMS does not define these terms,"
Hopefully someone will (if it exists) find in writing if CMS does or doesn't consider an appointment over telephone to be the same as a F2F.
All this crap is why I stay away from MA sales.
[FONT="]It is tough enough to get some seniors to understand when you are showing the [/FONT]printed material and over the phone, to me, could be an E&O problem in the waiting. Worse yet would be a problem with CMS.
How do you handle the rules and the need to leave information? How do you handle the Scope of Appointment? I would assume a scheduled telephone call is an appointment.
One carrier only allows
- Telephonic Enrollment (The beneficiary must initiate contact with the Enrollment Center). The agent can assist the beneficiary to contact the insurance company by phone but the agent can't complete the application.
- On-Line Enrollment
- Paper Applications Mail or fax to the Health Plan
I'm trying to figure out how you are doing it and staying within the myriad of CMS rules? It would be good to know for future reference.
I thought it said appointments? To me I would need CMS to define appointment. An appointment can be a set time on the telephone or a F2F. IMHO - CMS is a legal wonk organization where everything must be defined. An appointment in the dictionary doesn't say it is just a F2F meeting. "a fixed mutual agreement for a meeting; engagement, a meeting set for a specific time or place. So in the legal world an appointment can be just a specific time or it can be a specific place.
We did have a president that wanted to define the word IS as a defense.
I am not saying that CMS says it is or isn't only F2F but in the AHIP cert test it was for an appointment.
I'm cool with it if you can find how CMS defines appointment.
- - - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - - - -
Ok I went searching for a definition of appointment but I didn't find it but I did find this ...........
The New Medicare Regulations—What They Mean for NAHU Members Selling Private Medicare Products
Documenting That a Beneficiary Approves the Scope of the Appointment
All producers must document that, prior to making an appointment, the beneficiary agrees to the scope of products to be discussed. Appointments made in person require written documentation and appointments made over the phone require recorded documentation.
So I ask this question, if CMS wants a SOA to be kept for many, many year, are we to think that talking over the phone is a loop hole? Heck if phone apps allow you to bypass a lot of the leave this behind, sign this, keep an SOA for 10 or 15 years.......it would seem that agents should flock to telephone only MA work.
I'm just playing devils advocate because I have yet to see in writing how CMS looks at telephone appointments. All wonks are a PITA. I remember when I was still an S7 guy, e-mails were new and we weren't allowed to use E-mail.
CMS doesn't define light snacks either and I guess it can be left up to a cat fight between an agent and CMS.
"However, you can provide light refreshments or snacks to
perspective enrollees. CMS does not define these terms,"
Hopefully someone will (if it exists) find in writing if CMS does or doesn't consider an appointment over telephone to be the same as a F2F.
All this crap is why I stay away from MA sales.
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