Are you ready for some OEP?

1. Are you ready for some OEP? Medicare OEP – October 15, 2014 through December 7t, 2014 Affordable Care Act OEP – November 15, 2014 through February 15, 2015

2. Participants • The phone lines will be muted • You may type you questions in the GoToMeeting box on the right • All Q&A will be sent in a follow up email • Recorded webinar will be posted at www.TheBrokerageInc.com

3. Agenda • ACA • BCBSTX • New carrier surprise! • Certification • ACA – FFM & CMS Enterprise portal • Medicare – AHIP & FWA • Medicare • New carrier surprise! • Plus, a new regional MAPD from the Houston area!

4. Agenda • Marketing • Community, Provider, Faith Based • Retail • Walmart • H.E.B. • Leads • Looking forward, what to expect?

5. What was our August 2013 mindset? • www.HealthCare.gov – “we are ready for enrollments” • Who is a Navigator? • What is a subsidy? And what will my penalty be if I do not enroll? • How will the DHHS and CMS be able to handle two open enrollments at once? • What is a health insurance exchange? • What is a SHOP exchange? • What is a SHOP exchange tax credit? • What will BCBSTX pay the agents? • What does “pay or play” Mean?

6. And what is our August 2014 mindset? • What did we learn for the first OEP in 2013? • Is www.HealthCare.gov really ready this time? • What other health insurance companies will jump off the sideline, and where will they jump? • Will the SHOP Exchange function, and if so when? • How will the IRS collect back all of the subsidies that were over paid? • Am I ever going to get paid on all of my cases? • Why will my doctor not accept Obamacare? (What does this mean?)

7. BCBSTX Updates • “POR” - Producer of Record Letters • For cases July 2014 and forward, but commissions will not be paid retro-active to original effective date • Currently being accepted • “AOR” - Agent of Record Letters • From January 1, 2014 effective dates that were not connected to an agent • No longer being accepted

8. BCBSTX Updates • Deadlines for 2015 certification • FFM Certification deadline for current agents is September 15, 2014 • Re-contracting – make sure you have received your link! • You must have completed your re-contracting by September 1, 2014 • Call Producer Services if you have not received your link at 855-782-4272 • Commissions – email Belynda@TheBrokerageInc.com on the clients you have not been paid for • Snap Shot Bonus – September 2014 payment

9. BAP Enhancements • Seeing your production made easier • Commissions • Quotes • Online apps • Status

11. BCBSTX 2014 OEP Stats • Off Exchange = 375,000 apps • representing 550,000 lives • On Exchange = 100,000 • representing 150,000 lives • Total 475,000 apps • 56% Female / 44% Male • 80% received a subsidy • Average age off exchange was 36 • Average age on exchange was 42

12. Biggest issue with BCBSTX • List bill – has to be paper for now; no electronic enrollments • “Qualifying Events” must be paper app only for now • The HMO network • Were doctors “auto-assigned”? • Did they know they were “auto-assigned”? • Solutions being worked on: • New systems are being developed to verify if the premium has been paid when checking in at the provider’s office

13. Opportunities • In Texas, only 10% of the potential marketplace was enrolled • 39% of the existing uninsured population is Hispanic • 3,100,000 uninsured left in TX • BCBSTX wants the Hispanic population

14. Certification • Instructions are online at www.TheBrokerageInc.com • ACA • Federally Funded Marketplace • BCBSTX • New carrier surprise! • Medicare & FWA • AHIP • $125 if you register via a specific company Medicare Advantage website

20. AHIP Reimbursement up to $125 Write 5 MAPD applications with any combo of the following carriers:

21. We are super proud to announce our new affiliation with Humana!

22. Humana • H1 • Individual and Family coverage • Medicare • Medicare Advantage • Medicare Supplements • Prescription Drug Plans

25. New Regional plan: Memorial Hermann MAPD • Lead program to move up to 44,000 Medicare Shared Savings Plan enrollees in the 2015 Memorial Hermann MAPD • 100% iPad enrollment = 100% compliant! • Provider marketing opportunities

27. Leads

29. Marketing • Contact Tanya or John at 800-442-4915 for store assignments • H.E.B. (up to 70 stores so far) • Walmart (up to 160 stores nationwide so far) • Memorial Hermann leads – up to 44,000! • New website to develop consumer leads for our “Marketing Partners” • Coming soon! • Medicare and ACA leads via SEO, compliments of TBI!

30. H.E.B. for ACA and Medicare Marketing The Brokerage has been awarded 70 H.E.B. locations

31. DirectHealth.com (new Walmart opportunity) • New rules, strict protocols! • $500 buy in • May be reimbursed up to 100% by TBI with production • Branded shirts to be purchased by participants

32. What to expect moving in the 2015 OEP • Annual redetermination of subsidies • Many will keep the plan they have from 2014 • Per CMSs’ wishes to make things smoother from 2014 to 2015 • “IRS come to Jesus meeting in April 15, 2015” • CMS prefers to keep the disruption to a minimum and focus on getting more people insured

33. Questions and Comments Please type your questions or comments in the Q&A box to the right of your screen. We will answer all questions and send a follow up email to all participants.