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Making the most of SEPOver 58 million people received Medicare benefits in 2018, and nearly 10,000 peopleare aging into Medicare each day. The potential to increase Medicare sales in 2019 willbe exceptional. For first-time Medicare buyers, commissions increased in 2018 to 455nationally; for Medicare Advantage buyers with prescription drug coverage, commissionsincreased to 222 for renewals.You may already be aware of the potential for substantial gain, but if you are notbranching out and promoting multiple product lines to secure a steady flow of incomeduring the on and off-seasons, you are missing out.People have different needs year-round, and there are several products you can sellthroughout the year to help them meet those needs and maximize your senior marketsuccess. Medicare Supplements are valuable to have in your portfolio, because they can besold year-round.Agents looking to grow in their business, selling solely Medicare Advantage plans andMedicare Supplements, will only get so far. To attract more clients and generate additionalcommissions, agents should consider investing in ancillary products. Ancillary insuranceplans provide beneficiaries coverage that supplements their major medical coverage.There are several different types, such as hospital indemnity plans, critical illness plans,dental, vision, and hearing plans. Agents that sell ancillary products can sell year-round toindividuals, both over and under age 65. By cross-selling non-Medicare products to clientsyou have already helped into Medicare plans, this could help you retain those clientsby building more loyalty to you--thus adding more value to your business.Compliance UpdatesImportant reminder! You can report fraud to the UnitedHealthcare Fraud Hotline online at https://www.uhc.com/fraud or by phone at 1-844-359-7736.If you have questions or would like to report concerns about offers received to work with genetic testing companies,contact the Compliance mailbox at compliance questions@uhc.com. Please carefully re-read the communicationthat was emailed to producers in March regarding this issue.Did you know that UnitedHealthcare requires that all events, including educational and / or marketing /sales mustbe reported prior to any advertising, no less than seven calendar days before the date of the event? Find moreinformation here:1 - Video: https://www.uhcjarvis.com/ (under Event Reporting)2 - Access PDF off of Jarvis: https://www.uhcjarvis.com/Kellogg Website Updates, and ContestsAfter the release of this newsletter, there will be another hidden image within the AgentPortal. If you are the first agent to call into the Home Office to tell us where the image washidden on the website, you will win a prize, and your name will be posted on the AgentPortal as this quarter’s contest winner.Are you keeping up with the newest available Kellogg agent tools? Have you heard aboutthe new enrollment tool Connecture? Now on the Kellogg Agent portal, if you click theEnrollment Tool icon on the dashboard, you can watch training videos on how to usethis great new tool. Did you know that currently 66% of Medicare Advantage & Part Delectronic enrollments are now facilitated by Connecture’s online technology, making it themost widely used Medicare decision support tool available?Online enrollments create a faster way to enroll clients, to receive commissions for agentssooner, and to keep confidential information safe, but available to agents when theyneed it. Connecture’s industry-leading Medicare solution powers dynamic, personalizedKellogg Insurance Marketing61 W 13490 S, Suite 200 Draper, UT 84121www.kelloggins.comshopping experiences and electronic enrollment capabilities across a variety of distributionchannels. Top carriers and brokers rely on Connecture’s Medicare products to capture,retain, and support members, while offering enhanced functionality to streamlinerenewals. In addition, our technology powers the Medicare.gov Plan Finder and theonline enrollment center. Just so you know, any UnitedHealthcare enrollment on Connecturewill count as a LEAN enrollment with UHC.On April 1, 2019, Ron Kellogg announced the start of a STC contest at the MondayMorning National Broadcast Training. The contest will run until June 30, 2019, as ofsignature dates, issued by the end of July, with the payoff in August. There are no riders!A husband and wife count as 2 people. First Place is a 2,000 piece lead order. SecondPlace is a 1,000 piece lead order. And, Third Place is 50% off a 1000 piece lead order.To qualify, you must have 12 people, and anyone who qualifies will get 100.00 towardsa lead order. The lead orders must be placed by the end of August, and they cannot be acombined order.

Agent Spotlight: John EsparzoThis year, for the first time ever, Kellogg Insurance Marketing awarded John Esparzo the Manager of theCentury Award. This year John is turning ninety-six years old. He continues to grow his business, recruit, andtrain his agents, and he doesn’t plan to stop anytime soon.After retiring in his early sixties from the Cowlitz Sheriff’s Office, Kelso and Walla Walla Police Departments,John Esparzo said he needed a new way to keep busy. That was over thirty years ago, John said “he retiredtoo early, and could not just sit around doing nothing. “After being prodded by a friend John decided to sell insurance. The decision to sell insurance was a bigchange from policing, but John is glad he made the career move. He says, “I take pride in being able to helpseniors navigate Medicare, which is often confusing.”From Omaha beach in WWII, to riding his motorcycle as a police office, to becoming a well-respected andcaring manager in the Kellogg organization, John is full of wisdom. If you ever have a chance to talk with thisman, we urge you to take the opportunity!Kellogg Staff Highlight: Mary WeltyHave you spoken with Mary Welty recently when calling the Home Office? Mary started working at Kellogg inAugust of 2018 as a scheduler, and now as a part-time administrative assistant to Susan Bryan with UnitedHealthcare. Her roles and responsibilities now include answering the Home Office phone, helping agentscontract with United Healthcare, Silver Script, and Aetna Health and Life (Medicare Supplement).With United Healthcare, she also helps our agents add non-resident appointments and those who need tomake hierarchy level changes. Last year, Mary helped kick-off Kellogg’s New Enrollment Tool Connecture,which she continues to update the enrollment tool with new agents and additional appointments with carriersor non-resident state appointments for our current agents in the enrollment tool. This new year Mary hasbeen helping agents who choose to subscribe to our new CRM (Customer Relationship Management) Tool,Radiusbob. If you have questions about the Enrollment Tool or Radiusbob, Mary is a great resource to helpyou with questions.Kellogg Insurance Marketing61 W 13490 S, Suite 200 Draper, UT 84121www.kelloggins.com

NEWSCARRIERUnitedHealthcare Announcements and Updates: In 2018 UnitedHealthcare announced a policy changeregarding agents contracted with them. During the Sales Evaluation Period the pictures below have the newpolicy changes information explained with important details for all agents to understand.Sales Evaluation PeriodSales Evaluation Period ends 3/31 (4/1 effectives)Who is a non-producing EDCAgent?What is the cost of the fee?Tentative Communication ScheduleHow does the Agent pay theFee?What if an agent retained amember as a part of the AOR policy? An agent/agency is considered non-producing if, at any time during the evaluation period, they held anactive contract and did not have at least one sale i.e. submitted and approved active member application with a plan effective date of July 1 through April 1 150 administrative fee for first appointed state 100 additional fee for additional state Maximum of 250 per agent per year Fee Assessed and 30-day Termination Notices (4/16) Agents with a Book of Business, fee will be deducted from renewals Agents without a Book of Business will send payment to the address on their letter The agent will remain as the AOR for the policy Unless they wrote new business during the sales evaluation period the administrative fees will applyPolicy for Currently Termed or Servicing StatusAgents are still subject to the fees if they were active duringthe evaluation period and failed to meet the requirementsThere are some exclusions for agents who were terminatedfor non-certification and those who entered servicing statusprior to 12-1-18 and are currently in servicing statusLeaving servicing status makes an agent subject to the salesevaluation period requirements and future feesKellogg Insurance Marketing61 W 13490 S, Suite 200 Draper, UT 84121www.kelloggins.com

Carrier News continuedUnitedHealthcare is now required to gather Health Risk Assessments (HRA) from Chronic and Dual SNP membersthrough the Stars program. Other carriers have enlisted their sales agents to help gather this information and arepaying them for doing so. Agent support and assistance will be critical to a successful launch of this program.HRA’s must be completed in the online HRA tool, Revel or done by a paper version HRA in order to becompensated.How to get started: You must be appointed, licensed and certified Medicare Solutions agent. Go to www.uhcJarvis.com to complete certifications. You must complete the required 2019 Health Risk AssessmentTraining to be eligible for this program. Log on to Jarvis Knowledge Center Training Certifications. Inthe ‘Electives’ section of LearnSource, choose 2019 Health Risk Assessment Training. Once you complete thetraining, you will be auto-registered into the HRA website. You will receive an email from a company called‘Revel’ with your registration login and password.Once you’re registered: After completing a DSNP or CSNP enrollment application with the consumer, youcan go to the Health Risk Assessment survey page on Jarvis. Log on to the HRA and help the member take the3-5 minute assessment. Watch your email in the coming weeks for additional information.Benefits for Members and AgentsMembers: The HRA has several benefits, from providing a health summary that members can share with theirprimary care physician (PCP) to helping identify people who may be eligible for UnitedHealthcare programsthat assist members with managing their health. It’s important to note that results from the HRA do notimpact Medicare eligibility or costs.Do you know Jarvis? On UHC Jarvis agents are able to see their commission information, enrollmentinformation, certifications, individual or agency licenses and appointments. If you have not had an opportunityto navigate https://www.uhcjarvis.com take some time to familiarize yourself with this website. There aremany wonderful things you can learn, for example did you know that UnitedHealthcare has bilingual memberservices representatives that can speak to members in Spanish, Chinese, Korean, Vietnamese, and Russian.You can use these services by calling (877) 972-8847.Humana: Humana Certification and Recertification updates Certification and Recertification courses for PY2020 will be available on June 25, 2019 at noon EST.(Spanish versions will be delayed) Course outlines will be reduced by almost half All final exams will be OPEN BOOK. Completion time for final exams will be lengthened from 35 to 45 minutes. External agents must complete recertification prior to 5:00 PM EST on November 30, 2019Humana is committed to providing guidance to members in a way that best meets their individual needs.To better serve our Spanish-speaking members, Humana has introduced Nuestra Salud Humana, acomprehensive suite of Spanish-language offerings:Humana.com en espanol — All website updates are immediately translated into Spanish using real-timetechnology. A variety of health and wellness materials are available, including the Healthwise health libraryand provider search tools.Agents: Agents are invited to assist individuals enrolling in a DSNP or CSNP in completing an HRA.UnitedHealthcare is offering to pay agents a one-time 50 payment for each HRA completed when enrollingindividuals in a DSNP or CSNP. As always, complete a thorough needs assessment to ensure you arerecommending the most appropriate UnitedHealthcare Medicare plan for the consumer.Dedicated Customer Service — Bilingual representatives are available to help members with questions. Inaddition, we have automated telephone technology that allows Spanish-speaking members to interact with acomputer through pre-recorded voice responses. The system lets members perform tasks — like requesting anew ID card — without waiting for a Customer Care representative.Disclaimer: Not all DSNPs or CSNPs are eligible for this HRA payment program. If a member becomes ineligibledue to a non-qualifying chronic condition, DSNP ineligibility or other reason, you may not be eligible for payment.If you have questions about your specific market plans, please contact your Agent Manager.Health Resources — These Include the Humana*Beginnings* pregnancy program, Personal Nurse ,HumanaFirst Nurse Advice Line, and Humana Health Assessment.Custom translation service for employer groups — Humana’s on-site translation staff produces Spanishlanguage marketing materials on a group-by-group basis. For more information, contact your Humana salesconsultant.The HRA is a CMS requirement for obtaining a series of health-related questions regarding current healthconditions, help at home, prescription drugs, and hospital stays. The form takes 3-5 minutes to complete.Besides being a Star measure, HRA completion can help United Healthcare identify members who may qualifyfor additional or specialized care. The results from the HRA do not impact a member’s Medicare eligibility orcosts. Agents will be paid 50.00 on a monthly basis, and payments will arrive via the normal commissionschannels. (Note: Solicitors will be paid via their upline as per usual). Applications must be taken using LEANin order to be qualified for Incentive payment.Agents can get started by registering on the Revel HRA website when the welcome email is received. A linkto the Revel website is included in the email. When an agent is completing a chronic or dual SNP LEANenrollment, the agent should request that the consumer complete an HRA as well. If the consumer agrees,agents log into the Revel site, enter their email address and, request an email authentication. Agents checktheir email for the authentication email, click the link contained within, and continue to the Revel HRA siteto complete the HRA. Agents have 2 calendar days to complete the HRA post-enrollment to allow for offlineenrollment situations. The HRA completion and enrollment data will be compared and a payment file will besent to the Commissions team on a monthly basis.Kellogg Insurance Marketing61 W 13490 S, Suite 200 Draper, UT 84121www.kelloggins.comEnrollment Communications — We produce guides, benefit summaries, pharmacy information, and otherenrollment communications in Spanish to help employees choose their benefits with confidence.Aetna Coventry: Aetna will be closing its current contracting system, Nomoreforms. They will betransitioning to a new enhanced contracting process for Aetna MA/MAPD products.Affected agents will receive a communication later today that explains this and encourages them tocomplete 2019 certification. As a reminder, agents are not “ready to sell” Aetna MA/MAPD products untilall requirements are complete (contracting, certification, etc.) and they receive an email confirming theirready-to-sell status.

Carrier News continuedAetna phone lines have launched a dedicated agent phone line (866-272-6630) to give agents faster accessto the people and information needed to service agent’s clients and manage business. This will replace theexisting number (800-264-4000) for agents.Have you ever started an online application and needed to change the selected Medicare Supplement planwithout starting over? Now you can! Just click on a different plan and select Re-Quote to update theapplication on the new added flexibility with Aetna Quote & Enroll.Aetna phone lines hours of operation:Agent services will be open from 8 a.m. to 5 p.m. CT (Monday - Friday)Customer service will be open from 7 a.m. to 7 p.m. CT (Monday – Friday)Other areas of operations will make similar changes. You can view the availability and contact information foreach department in the home office directory below.Do you know what Producer World is? Producer World is the online service center to help you sell Aetnaproducts. Once you log in, you’ll find the information and tools you need to support your sales. You will beable to find: Product Availability by service area, Quoting & Status tools, Compensation Services, Reporting,Certification, Personal Contact Information, License Information, Appointment Information, and DirectDeposit Information.DSNP marketing materials now on Studio. If you have Dual-eligible Special Needs Plans (DSNPs) in yourmarket, you can now find, download, print and order DSNP marketing materials on the Aetna MedicareMarketing Studio (MMS). You can find the materials in the designated DSNP category on the MMS menu.DSNP materials include: Sandwich boards Pull-up banners Tabletop signs Coming next week: Brochures Coming next week: Customizable event flyersHow to stay compliant in 2019. As an Aetna MA/MAPD producer, you’re responsible for knowing andcomplying with Aetna’s policies and CMS’s regulations when assisting Medicare beneficiaries. You canfind all of these materials on Producer World.Aetna RX Home Delivery has a new name, it is now CVS Caremark Mail Service Pharmacy. We expect thischange to be seamless for our members. There’s nothing they need to do differently to get their prescriptions.The only differences they’ll see is now there will be a new logo on their prescription bottle and their billingstatements will come from CVS Caremark.Aetna Health and Life / Aetna Senior Supplemental Insurance includes productsunderwritten by Aetna Health and Life Insurance Company (AHLIC), Aetna Health Insurance Company(AHIC), American Continental Insurance Company (ACI), Continental Life Insurance Company ofBrentwood, Tennessee (CLI).All hierarchy change requests should be faxed to the attention of the hierarchy change team at 855-5713847. These requests should not be emailed or submitted online. The agent will also need to provide arelease from their previous upline with a wet signature if any of the following situations apply: The agent hassubmitted business within 6 months,The agent has a downline who has submitted business within the last 6months,The agent requested to self-terminate from the previous upline within the last 6 months or the agenthas not been contracted with the previous upline for longer than 6 months.Kellogg Insurance Marketing61 W 13490 S, Suite 200 Draper, UT 84121www.kelloggins.comMedico: Get the Short-Term Recovery Care conversation started with three questions.Follow up with all of your clients about Short-Term Recovery Care (STRC) to help fill their health care coveragegaps. STRC provides coverage for temporary confinement situations (less than one year) - including homehealthcare, nursing facility care, and assisted living care - due to illness or injury.Asking these three questions, can help agents start the conversation. Do you know anyone who needed temporary care after a medical procedure or who has had to be in anursing home? Medicare typically does not pay for these types of services. If needed, do you have the funds set aside to pay for nursing facility care out-of-pocket? On average,the cost for a private room in a nursing home is 97,452 per year. If you’re relying on loved ones, do they have the time and ability to take care of you? On average,caregivers spend 24.4 hours per week providing care to their loved ones. You can earn cash bonuses by going All In with Medico.With Medico’s 2019 All In agent incentive program, you can earn cash bonuses! Qualifying is simple. All youhave to do is write a minimum of six applications of any product combination within the same calendar month.For example: 3 Underwritten Medicare Supplement applications 300 2 Hospital Indemnity 50 1 Dental Vision Hearing 25 Monthly Total 375*We always recommend checking each of your carrier agent portals for the most up-to-date information oncontracting, commissions, compliance, and updates on rates and plan changes.

Consider Cancer CoverageThis 2019 we hope you are well and your goals for this year are being met. As you can see in the map ofthe United States, according to the American Cancer Society, cancer is a real problem nationwide. Canceris also increasing in the older population. (Read more about Cancer Facts & Figures.)As agents and agencies with Kellogg Insurance Marketing, we are lucky to have great companies to workwith like Medico, Aetna group, and GTL. These companies all offer great Cancer Indemnity plans that canhelp your clients with a lump sum of cash to be used as they need.These policies can be added with heart attack and stroke benefits with cash payouts to help with this costas well.Kellogg Insurance Marketing61 W 13490 S, Suite 200 Draper, UT 84121www.kelloggins.comThese plans are great for increasing your business by: Creating conversations Filling existing gaps MAPD Covering out of pocket cost Helping with RX co-pays Travel cost Premiums Generating referrals Building pipeline for AEP Lower stressTalk to your managers or feel free to call me or email with questions or ideas on how to use these plans toincrease your business and build more income for you.

Kellogg Insurance Marketing 61 W 13490 S, Suite 200 Draper, UT 84121 www.kelloggins.com “Great things are not done by impulse, but by a series of small things brought together.” - Vincent Van Gogh Kellogg Quarterly Newsletter June 2019 At some point in life you wil