BERWICK INSURANCE WELCOME! We will begin Shortly… Sales Meeting & Focus Discussion: “AEP Prep: Event Reporting” August 4, 2014

AGENDAAGENDA 1.Headline News  2015 AHIP  UnitedHealthcare  Cigna HealthSpring  Aetna/Coventry  Humana  Mutual of Omaha 2.Compliance Certifications Licensing Generic Advertising 3.Focus Discussion: “AEP Prep: Event Reporting”

Headline News 2015 AHIP Available on website starting June 23, 2014 ONLY 5 sections NEW Fraud, Waste & Abuse section Make sure the test you take says 2015 certification The cost is $175 when taken directly from AHIP site $125 through carrier sites – Now Available thru UHC! If you are re-certifying, If you are re-certifying, you only have to read modules 4 & 5 YOU ARE TESTED ON ALL 5 MODULES! -> YOU ARE TESTED ON ALL 5 MODULES!  After successful completion of the final AHIP exam, the FWA course will “unlock”  When it is complete, the FWA exam will “unlock”  Agents have 1hour to complete the 10-question exam. They must score 90% to pass. No EXAM!  Once the FWA exam is completed, General Compliance course will “unlock.” No EXAM!  After completing AHIP, you have the option to purchase Continuing Education credits

Headline News  UnitedHealthcare  2015 PLANS ARE OUT!!!  Check out Berwick Portal!  Cigna HealthSpring  2015 PLANS ARE OUT!!!  Offered in 17 States :  AL, AR, AZ, DE, DC, FL, GA, IL, IN, MD, MS, NC, OK, PA, SC, TN, TX  Check out Berwick Portal!

Headline News Aetna/Coventry  July 17 th 2015 Certification begins  Go to Carrier Website take AHIP Frontrunners get free AHIP  Aetna/Coventry has 1 online class called core training  Schedule yourself for Local Market Training  After attending local training, go to website online and complete and pass the local market test  READY TO SELL!  July 18 th Aetna 2015 First Look Available (Disclaimer-Benefits Not Final)  August 6 th Aetna Broker Training released (Disclaimer-Benefits Not Final)  August 25 th Aetna Sales Presentation and Video Released (Agents can use in presentations)  September 1 st Broker Plan Booklet (Broker Use Only)  September 15 th Kit Pre Orders (Tentative Date)  September 15 th New Frontrunner program criteria  October 1 st AEP Marketing Begins

Headline News  Humana  Not doing a National Plan Reveal  Look for local trainings Beginning Aug/Sept.  Each agent will be notified by Local Sales Mgrs.  Please READ your s!!  Mutual of Omaha  New Lower Rates for Plan G – all over country!  National Average Rate Changes: 2013 = 5.9% 2014 = 4.2%

ComplianceCompliance 1.Certifications!  GET PORTFOLIO CERTIFIED!  If you’re not certified & you sell a 2015 plan, YOUR CONTRACT WILL BE TERMINATED!!!  VERY Important to take ALL Certifications! 2.Licensing!  #1 Reason for agent terminations – license has lapsed!  Make sure you licenses are up-to-date, especially in NON- Resident states!! 3.Generic Advertising  We MUST Review your Ads!  Don’t forget Berwick Portal has Generic Templates  If you need something, ASK US & we’ll create it for you!  Please submit your Generic ads for review to:

ComplianceCompliance Secret Shopper Results  Star Ratings:  Agents MUST indicate where member can find rating in the packet or you FAIL shopper results.  Prescription Drug Coverage:  Explain late enroll penalties  Explain how to appeal for coverage  Pharmacy Networks  Coverage Gap  Meetings:  Do NOT require consumer’s contact info  Do NOT take attendance from an RSVP roster Marketing:  Do NOT put “This is an advertisement”  Do NOT put “By calling this number you reach a licensed agent.”  CAN put “Free” if it’s about agent services  i.e. “Contact me for a free evaluation.”

ComplianceCompliance Marketing:  Do NOT put “This is an advertisement”  Do NOT put “By calling this number you reach a licensed agent.”  CAN put “Free” if it’s about agent services  i.e. “Contact me for a free evaluation.” BRC: Consumers Must Know…  Who Card is From  What products will be discussed  Method by which they will be contacted by you  Cannot require contact info  Cannot ask: DOB, Medical or Prescription info. Miscellaneous:  Cannot do Generic Sales Presentations  Cannot do AEP Marketing for 2015 prior to Oct. 1

Focus Discussion Certification Incentive Winners Week 1: Week 1: Alan H., California Annette H., Wisconsin Week 2: Week 2: Isabel D., New York John S., California The Earlier you Certify, WIN! the More Chances you have to WIN!

Focus Discussion “Certification Incentive” It’s easy! Here’s how w/ UHC:  2015 Medicare Basics  2015 Ethics & Compliance  2015 AARP 101  2015 Medicare Advantage plans  2015 Prescription Drug plans  2015 Medicare Supplement, Dual Complete (optional for this incentive, HIGHLY recommended) Send the certificates showing you completed courses

Focus Discussion “AEP Prep: Event Reporting”  Definition of an Event:  Community Meeting  Any meeting held in public place  Includes: Private club, Church, Club House, etc.  Booth/Table located ANYWHERE!  NOT an Event:  Any meeting or presentation held in a personal residence!  MUST DOs:  Report Every Event in a timely manner  Schedule at least 3 weeks in advance  Use CMS approved presentation materials  SHOW UP!!!

Focus Discussion “AEP Prep: Event Reporting” 1.Secure Event Space 2.Complete ALL Required Certifications 3.Submit Event date to Carriers:  UHC = 21 days before date of event  Complete Event Form  Must be reported to CMS by all carriers  EVENT WILL NOT BE ACCEPTED If submitted FEWER than 21 days If submitted without Agent Certification 4.Use Carrier Checklists and ALL Resources

Focus Discussion “AEP Prep: Event Reporting”  Changes to event: Submit minimum 3 days prior  Cancelling event: Minimum 7 days prior Must Notify Carrier! Every effort must be made to notify members who have RSVP’d Notifications to members should be documented NEVER cancel < 7 days before event – get another agent to take your place.

Focus Discussion “Carrier Contracts” CALL US TO MAKE SURE YOU HAVE ALL THE CONTRACTS YOU NEED

Q & A