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See the 2011 UnitedHealthcare
plans. (Choose a state below)

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* Please Note: These are preliminary plans submitted for CMS approval. The pricing and plans HAVE NOT BEEN APPROVED by CMS. DO NOT show to customers. We will post the approved plans when they have been approved by CMS. If you have any questions about senior business please contact us.

Early Certification Incentive Form -

Click Here to view and download.

IMPORTANT NOTICE!! - To Our Sales Partners

A number of the companies we work with on health insurance, have began to make adjustments to their commission programs, as they attempt to comply with the changes required by health care reform. Links to both the Assurant and Golden Rule announcements will let you read their notice, if you have not already.

Although the healthcare bill was 2,700 pages, the devil is in the details, and unfortunately many of the details are yet to be defined. What has been decided, is that advances are being reduced.

Please read carefully both the Assurant and Golden Rule announcement.  I expect most, if not all companies, to issue similar announcements.

We are working to get you current information as it becomes available. As we move forward together, the value of Ancillary, Critical Illness and accident plans, packaged with the health sale, become increasingly more important. 

Rudy Deutschmann

http://assuranthealthtraining.com/agenttraining/media/ClarityElite/player.html

CMS Issues Revised Version of Marketing Guidelines

CMS, in their August 10 Memo to MA & PDP Organizations, has released a new version of their Marketing Guidelines.  This takes the place of the previous edition which was first published in 2006.  This newest version of the CMS Marketing Guidelines goes over a wide range of topics, including but not limited to:  Sales & Educational Events, Broker Compensation, Marketing Pieces, Nominal Gift Rules, and Scope of Appointment Guidelines.

New Guaranteed issue plan from Assurant

Assurant has come out with a new limited benefit plan for consumers. This plan is a guaranteed issue plan. While it is not a full Major Medical product, it could be extremely useful for struggling families. For more information and state availability, please take a look at the MS PowerPoint below. NOTE: Coming to Colorado beginning Sept. 1st, 2009.

New Rules for Marketing MA and Part D Plans

You have registered for AHIP's course, "Marketing Medicare Advantage and Part D Prescription Drug Plans: Understanding Medicare Basics, Plan Options, and Marketing and Enrollment Requirements."  You need to comply with new rules from the Centers for Medicare & Medicaid Services (CMS) that apply to sales of all 2009 Medicare Advantage and Part D plans.  CMS and plan sponsors will be overseeing marketing activities to ensure compliance with the new requirements.  Please follow this Web link to review the slides in Part 4 that highlight the new requirements in yellow font.  To ensure that plans can fulfill their obligation to appropriately train marketing agents, we will track whether you have clicked on the web link and reviewed the revised slides.
If you have not yet taken the exam for the course, you will be expected to know the new information when you take the test.  We encourage you to review all slides thoroughly to ensure your readiness for the exam.

Senior Product News  New updated CMS Guidelines for Marketing Medicare Plans. Effective August 7, 2009. Read

Major Medical News New Commission Disclosure Law
There is a new law in Colorado. Agent/Brokers are now required to disclose commissions to the customer. Read More

Life News Do you have a client with a Lead foot? Check out the NEW Liberalized underwriting on MVR and moving Violations.

Income Protection News No new Income Protection product news. Check back here regularly to get the latest news updates about the Income Protection industry and company updates.

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