Scope of Appointment Agreement - Coventry TranslationGo to Top
This is from Coventry last night. The part I highlighted in red is what is going to make it hard for me to help as many clients as I can in the short time frame that CMS has given us.
I get calls from referrals all the time and although I do have an office, 75% are in home appointments because of the 5 county area I work. I make appointments alot of the time the same day and as I am driving from each appointment. This rule makes it near impossible to see people in a timely manner. These are peple that [COLOR=red]call me[/COLOR] and now I am supposed to send them a SAC form for them to sign before I can go and see them which for the most part will be a week later.
What happens when I get a call on Dec. 30th and someone wants help? I almost want to be the example, do my job as usual, have people sign the SAC form and explain the ridiculous rules that CMS is setting and if I get in trouble tell them to take away my license and let me bring all my clients as witnesses on my behalf to testify that all I have done is help them out with all the confusion that CMS has caused with their many rules.
If an appointment is requested by the beneficiary, you must disclose all product types
to be discussed, i.e. MA, MAPD, PDP, PFFS, during the appointment.
§
The beneficiary must agree to the scope of products to be presented to them prior to
the appointment date.
§
The agent must secure the scope of appointment documentation prior to the
appointment.
§
The Agreement must be in writing (signed by the beneficiary) or a recorded oral
agreement if made by phone.
§
The Appointment Forms must be a Coventry/CMS approved document.
§
[COLOR=red]Forms may NOT be completed at the time of presentation. A beneficiary cannot[/COLOR]
[COLOR=red]agree to scope of appointment by phone and then sign a form at the beginning of[/COLOR]
[COLOR=red]the sales presentation. CMS prohibits forms signed at the appointment.[/COLOR]
[COLOR=red]§ [/COLOR]
[COLOR=red]If you are unable to record a telephonic agreement of the scope of appointment,[/COLOR]
[COLOR=red]you must mail an Appointment Form to the beneficiary in order for their[/COLOR]
[COLOR=red]completion and return to you prior to the appointment date. The form must be[/COLOR]
[COLOR=red]returned to the agent prior to appointment.[/COLOR]
[COLOR=red]§ [/COLOR]
[COLOR=red]Plan or agent documenting the agreement is not acceptable, whether done in[/COLOR]
[COLOR=red]writing or using an electronic contact documenting system. Must have signed[/COLOR]
[COLOR=red]Appointment Form or recorded oral agreement.[/COLOR]
[COLOR=black]Ok, I have vented a bit. I have written all my Senators and Congressman and now I am going to write a letter to the editor to all the papers in my area. I want to let people know what the hell is going on. What profession has to jump through hoops like this plus being told that we cannot make a decent living? [/COLOR]
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
I know from a UHC agent that they are told they can leave the form with the client, if the client did not return it by mail, and come back 1 hour later and proceed with the appointment. I am repeating what I have been told from a informed and reputable source. It seems the interpretation of the rules are different from company to company. Where I am at Coventry accounted for the bulk of the marketing violations and issues last year and may be reacting a bit to that. The rules for Humana are very similar, here.
------------------------------------
Chuck
If you think your boss is stupid, remember: you wouldn't have a job if he was any smarter.”
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
If you give the client a 10 minute window of when you will be there (say between 1-1:10 depending on traffic) and you show up at 1:00, get the form signed and then start the appointment at 1:05, technically you got the form signed before the appointment and not at the beginning.
Splitting hairs? Yes. I have been on several appointments. One client said this was "ingenious of our Government" (sarcastically) and signed it.
My question...how will they enforce this? There is no way of Medicare to know when the appointment was set.
------------------------------------
"Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it." Ronald Reagan
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Originally Posted by scottfree
The Appointment Forms must be a Coventry/CMS approved document.
My FMO for Coventry is Senior Market Sales and they just emailed me a generic SAC form very similar to the one you emailed me. In fact I was just getting ready to email it to you because it is only one page.
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Originally Posted by scottfree
This is from Coventry last night. The part I highlighted in red is what is going to make it hard for me to help as many clients as I can in the short time frame that CMS has given us.
I get calls from referrals all the time and although I do have an office, 75% are in home appointments because of the 5 county area I work. I make appointments alot of the time the same day and as I am driving from each appointment. This rule makes it near impossible to see people in a timely manner. These are peple that [COLOR=red]call me[/COLOR] and now I am supposed to send them a SAC form for them to sign before I can go and see them which for the most part will be a week later.
What happens when I get a call on Dec. 30th and someone wants help? I almost want to be the example, do my job as usual, have people sign the SAC form and explain the ridiculous rules that CMS is setting and if I get in trouble tell them to take away my license and let me bring all my clients as witnesses on my behalf to testify that all I have done is help them out with all the confusion that CMS has caused with their many rules.
If an appointment is requested by the beneficiary, you must disclose all product types
to be discussed, i.e. MA, MAPD, PDP, PFFS, during the appointment.
§
The beneficiary must agree to the scope of products to be presented to them prior to
the appointment date.
§
The agent must secure the scope of appointment documentation prior to the
appointment.
§
The Agreement must be in writing (signed by the beneficiary) or a recorded oral
agreement if made by phone.
§
The Appointment Forms must be a Coventry/CMS approved document.
§
[COLOR=red]Forms may NOT be completed at the time of presentation. A beneficiary cannot[/COLOR]
[COLOR=red]agree to scope of appointment by phone and then sign a form at the beginning of[/COLOR]
[COLOR=red]the sales presentation. CMS prohibits forms signed at the appointment.[/COLOR]
[COLOR=red]§ [/COLOR]
[COLOR=red]If you are unable to record a telephonic agreement of the scope of appointment,[/COLOR]
[COLOR=red]you must mail an Appointment Form to the beneficiary in order for their[/COLOR]
[COLOR=red]completion and return to you prior to the appointment date. The form must be[/COLOR]
[COLOR=red]returned to the agent prior to appointment.[/COLOR]
[COLOR=red]§ [/COLOR]
[COLOR=red]Plan or agent documenting the agreement is not acceptable, whether done in[/COLOR]
[COLOR=red]writing or using an electronic contact documenting system. Must have signed[/COLOR]
[COLOR=red]Appointment Form or recorded oral agreement.[/COLOR]
[COLOR=black]Ok, I have vented a bit. I have written all my Senators and Congressman and now I am going to write a letter to the editor to all the papers in my area. I want to let people know what the hell is going on. What profession has to jump through hoops like this plus being told that we cannot make a decent living? [/COLOR]
depending on your state,the pffs they can sign the form at the appointmentbut the ppo you either have to send it to them to sign to send back or 3 way call.....
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Originally Posted by scottfree
This is from Coventry last night. The part I highlighted in red is what is going to make it hard for me to help as many clients as I can in the short time frame that CMS has given us.
I get calls from referrals all the time and although I do have an office, 75% are in home appointments because of the 5 county area I work. I make appointments alot of the time the same day and as I am driving from each appointment. This rule makes it near impossible to see people in a timely manner. These are peple that [COLOR=red]call me[/COLOR] and now I am supposed to send them a SAC form for them to sign before I can go and see them which for the most part will be a week later.
What happens when I get a call on Dec. 30th and someone wants help? I almost want to be the example, do my job as usual, have people sign the SAC form and explain the ridiculous rules that CMS is setting and if I get in trouble tell them to take away my license and let me bring all my clients as witnesses on my behalf to testify that all I have done is help them out with all the confusion that CMS has caused with their many rules.
If an appointment is requested by the beneficiary, you must disclose all product types
to be discussed, i.e. MA, MAPD, PDP, PFFS, during the appointment.
§
The beneficiary must agree to the scope of products to be presented to them prior to
the appointment date.
§
The agent must secure the scope of appointment documentation prior to the
appointment.
§
The Agreement must be in writing (signed by the beneficiary) or a recorded oral
agreement if made by phone.
§
The Appointment Forms must be a Coventry/CMS approved document.
§
[COLOR=red]Forms may NOT be completed at the time of presentation. A beneficiary cannot[/COLOR]
[COLOR=red]agree to scope of appointment by phone and then sign a form at the beginning of[/COLOR]
[COLOR=red]the sales presentation. CMS prohibits forms signed at the appointment.[/COLOR]
[COLOR=red]§ [/COLOR]
[COLOR=red]If you are unable to record a telephonic agreement of the scope of appointment,[/COLOR]
[COLOR=red]you must mail an Appointment Form to the beneficiary in order for their[/COLOR]
[COLOR=red]completion and return to you prior to the appointment date. The form must be[/COLOR]
[COLOR=red]returned to the agent prior to appointment.[/COLOR]
[COLOR=red]§ [/COLOR]
[COLOR=red]Plan or agent documenting the agreement is not acceptable, whether done in[/COLOR]
[COLOR=red]writing or using an electronic contact documenting system. Must have signed[/COLOR]
[COLOR=red]Appointment Form or recorded oral agreement.[/COLOR]
[COLOR=black]Ok, I have vented a bit. I have written all my Senators and Congressman and now I am going to write a letter to the editor to all the papers in my area. I want to let people know what the hell is going on. What profession has to jump through hoops like this plus being told that we cannot make a decent living? [/COLOR]
coventry told me if the person calls you follow the guide lines,on the pffs,not ppo they can,can sign it at the time of appointment this is in va.
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Huh? I need translation software.
If you make absolutely no effort to write an intelligible response, why bother? Sorry, but this could be an informative thread, if the responses are decipherable...
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
The Rabbi is right...
------------------------------------
"Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it." Ronald Reagan
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Originally Posted by Hank
My FMO for Coventry is Senior Market Sales and they just emailed me a generic SAC form very similar to the one you emailed me. In fact I was just getting ready to email it to you because it is only one page.
Do you still want it ?
[COLOR=black]Hank, I got that one also from Coventry. I am going to use the generic form so that I am not restricted to talking about one plan. I am sure that each company will have their own so that in their thinking you can just talk about their plan. Humana's rules look ridiculous and I doubt I will do any of their plans[/font][/COLOR]
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
I'm glad Coventry is weak in my area. And in close situations I'll place elswhere.
They always over react and read into these things. I have a bunch of Coventry people whom are being contacted by Coventry because they owe for two years of back premiums. For a couple that could add up to $5000.00. What a mess. They are so dis-organized. As Frank would say "I'm holding back"! I will avoid Coventry's MA / MAPD's and place PDP only for 2009.
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Originally Posted by MedSuppPro
I'm glad Coventry is weak in my area. And in close situations I'll place elswhere.
They always over react and read into these things. I have a bunch of Coventry people whom are being contacted by Coventry because they owe for two years of back premiums. For a couple that could add up to $5000.00. What a mess. They are so dis-organized. As Frank would say "I'm holding back"! I will avoid Coventry's MA / MAPD's and place PDP only for 2009.
Coventry is one of the best rated plans for my area.... closely followed by Wellcare and then Today's Options. MAPD plans are needed here because most people can not or will not spend for a med sup. And they are very well excepted by the medical community.
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Originally Posted by dandan
Just want to make sure I understand what your saying.
1. Suggestion, lie on the form.
2. moral agent has nothing to worry about.
One comment the rabbi is right!
I'm not sure but I think I understand!
I would never suggest that you lie on any form, but you have to adapt to what CMS is throwing out there. How you adapt is what is going to separate the good agents from the bad agents. Remember, CMS is not your friend.
------------------------------------
"Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it." Ronald Reagan
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Official Scope Of Avatar CMS Certification
Patch36 is that a zero as in zero premium or is it an "O"? And what does that say under the number or letter? I tryed blowing it up, but can't make it out.
And for those of us burning the midnight oil for the AEP, well, I kinda like scottfree's broken alarm clock. I could of done that to my clock this morning!
Midwestbroker has moved up to a racer and greensky has got some kinda Medicare card looking thing going on. Man I wish I had a little more time to put my Zero Premium Guy up.
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
It will only be a couple of days before you have a recording device hooked up with your cellular telephone.
You can read the script, and get the answer recorded,
Save it for ten years, and go to the appointment
your incoming caller requested & agreed to.?.
Where is the thread to tell us agents who have never entered AEP just exactly what you do to prepare well for it.
Besides checking the rules. What do you do to generate your leads besides contacting your current clients?
Re: Scope of Appointment Agreement - Coventry TranslationGo to Top
Since Curly did not win, I figured it was time to move on...
However the Formula 1 season just ended to a great last race, so that is my tribute to it.
If you are new to AEP, you will have to do this:
Certify with one or more MA / PDP carriers who will go over what you can and cannot do.
Finding leads is the trick. No cold calling MA or PDP prospects. If you are talking to a potential client about other products, you have a 48 cooling off period and have to have a scope of appointment form signed prior to the appointment.
Getting those potential clients to talk to you is the fun part. If you have marketing office / corp offices for MA carriers in your area (We have Sterling, Coventry and Humana here), they have been hitting the market since Oct 1 so you need to jump start your efforts. You can send out reply cards but their mailboxes are filling up with offers. If you have no past clients, no marketing in place, you might want to find a IMO that offers leads...
------------------------------------
"Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it." Ronald Reagan
Scope of Appointment Agreement - Coventry Translation
Re: Scope of Appointment Agreement - Coventry Translation
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