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I have a 90 y.o. couple who moved here to Florida. They currently each have a supplement. Where they moved from was a real rural area and there carrier is not here in Florida. Well I tried to put them in Gerber but she is a decline. So my UHC is complete and I was going to put them in a supplement with them HOWEVER I feel based on talking to them that a MAPD would be a better fit. They are currently paying about $650 per month for supplement plus drug card maybe even close to $700 and would be if I switched them to supplement for Florida.
If they go with UHC MAPD it will be much less money unlesss one ends up in the hospital and then it is like $800 more to reach maximum OOP. Anyway, he likes the idea of the MAPD and I don't think they have ever had the option of a MAPD where they came from nor have they ever been on one, only supplemental.
I have two questions I guess (one for sure).
1) How do I handle this SOA issue? So far everything has been done in the mail since they are about 3 hours away. Recorded phone call for SOA is out of the question sine he is too hard to understand. Do I mail it then mail the app or mail everything at the same time?
2) My second question is I feel like somebody is second guessing whether a MAPD is right for them. My FMO thinks it is. I personally like the supplement especially since she was recently in the hospital for a hip replacement a few months back (he is much healthier). HOWEVER, they are saying that they are having a hard time affording this $700 per month.
I just want to do the right thing for them or they choose the right option PLUS handle it according to CMS rules. I have talked to a couple of other agents I know and they are even less aware of how to do this properly 100% more than I am.
I plan on sending the SOA in the mail and them sending it back to me. What has me concerned is I'm the one who told them about MAPD might be an option instead of the supplement but I would have to check back with them which I did after I spoke to my FMO about it. I never had the intent of a MAPD for them. Like I said Gerber declined her and they never knew about MAPD options.
I just want to know the correct way to proceed.
If they go with UHC MAPD it will be much less money unlesss one ends up in the hospital and then it is like $800 more to reach maximum OOP. Anyway, he likes the idea of the MAPD and I don't think they have ever had the option of a MAPD where they came from nor have they ever been on one, only supplemental.
I have two questions I guess (one for sure).
1) How do I handle this SOA issue? So far everything has been done in the mail since they are about 3 hours away. Recorded phone call for SOA is out of the question sine he is too hard to understand. Do I mail it then mail the app or mail everything at the same time?
2) My second question is I feel like somebody is second guessing whether a MAPD is right for them. My FMO thinks it is. I personally like the supplement especially since she was recently in the hospital for a hip replacement a few months back (he is much healthier). HOWEVER, they are saying that they are having a hard time affording this $700 per month.
I just want to do the right thing for them or they choose the right option PLUS handle it according to CMS rules. I have talked to a couple of other agents I know and they are even less aware of how to do this properly 100% more than I am.
I plan on sending the SOA in the mail and them sending it back to me. What has me concerned is I'm the one who told them about MAPD might be an option instead of the supplement but I would have to check back with them which I did after I spoke to my FMO about it. I never had the intent of a MAPD for them. Like I said Gerber declined her and they never knew about MAPD options.
I just want to know the correct way to proceed.