To: General Agents  
  From: Charles Mankamyer, President of General Agents
Jim Savo - FLMI, Vice President of Operations, General Manager
  Re: Medicare AEP/MA OEP Reminder and Med-Supp Policy Issue Delays  
  Keep these points in mind when selling Medicare Supplements during the Medicare Advantage Annual Election Period (Oct. 15 through Dec. 7, 2018) and the new Medicare Advantage Open Enrollment Period (Jan. 1 through Mar. 31, 2019).  
  During the enrollment periods listed above, Medicare beneficiaries with Medicare Advantage (“MA” 1) may drop their MA coverage, return to Original Medicare and be in the market for a Medicare Supplement (voluntary disenrollments).  
  Other Medicare beneficiaries may have received notice that their MA plan will be terminated or non-renewed for 2019 (involuntary terminations). They may choose another MA plan or return to Original Medicare and be in the market for a Medicare Supplement.  
  Remind all applicants to retain any disenrollment or termination notices received from their MA plan and keep in a safe place.  
  To help ensure applications are taken correctly and policies are issued in a timely manner, please read this email in its entirety.
  • Medicare Supplement insurance is available only to Medicare beneficiaries enrolled in Original Medicare Parts A and B.
  • To be eligible for a Medicare Supplement, those with current Medicare Advantage coverage must be disenrolled from their MA prior to the effective date of their Medicare Supplement.
  • State law prohibits a Medicare Supplement policy from becoming effective prior to the end date of the MA plan.
  • Applicants replacing their MA coverage must fully complete and sign the application and replacement form(s), giving particular attention to the sections concerning MA disenrollment or termination/non-renewal. Applicants must confirm on the application that they intend to replace current MA coverage with the Medicare Supplement in order for the application to be accepted.
  • A Medicare Supplement policyholder who still has MA coverage in place on the policy effective date is subject to rescission.
  Voluntary Disenrollments  
  • MA enrollees cannot disenroll from their plan prior to the first day of the disenrollment period.
  • Applicants are responsible for disenrolling themselves from their MA plan. A valid disenrollment request during the enrollment periods listed above returns the enrollee to Original Medicare. MA enrollees can disenroll either by:
    • calling 800.MEDICARE, or
    • contacting their MA plan carrier, or
    • for MA-PD (RX) plans, by enrolling in a stand-alone Part D Plan. Note that an applicant cannot disenroll from some MA stand-alone plans (MA plans that do not include Part D coverage) by enrolling in Part D.
    • Please note: Agents cannot call Medicare or the Medicare Advantage Plan organization, or navigate the MA Plan’s Internet websites for their customers. Agents violating this rule are subject to disciplinary action up to and including termination.
  • The pre-existing waiting period is waived for applicants age 65 and over disenrolling from a MA plan.
  • Applicants voluntarily disenrolling from a MA plan that has been in force less than 12 months are eligible to apply for a Guaranteed Issue policy if the applicant first enrolled in MA at age 65. Health questions must not be answered.
  • Applicants voluntarily disenrolling from a MA plan that has been in force longer than 12 months are not eligible for a Guaranteed Issue policy in a non-Guaranteed Issue state (GI rules vary by state).
  Involuntary Terminations  
  • A copy of the applicant’s MA plan disenrollment notice is required for applicants being involuntarily terminated or non-renewed by their MA plan.
  • Applicants involuntarily losing their MA Plan due to plan termination or non-renewal are eligible to apply for a Guaranteed Issue policy and must not answer health questions.
  Outside of the annual enrollment periods listed above, a copy of the applicant’s MA plan disenrollment or termination notice is required.  
  1 “MA” includes MA and MA-PD plans throughout this memo unless otherwise indicated.  
Top Seven Issues that Delay Application Processing
  1. Faxing in checks instead of mailing
    1. If the applicant elects bank draft, complete the necessary paper work and submit the application on e-app or FAX a paper application in. If the applicant submits a premium check do not FAX the application (mail the paper application, along with the applicant’s check).
  2. Missing or Incorrect Agent Information

    1. Agent information is critical for processing applications as well as giving proper credit for the sale. There are three main areas that must be completed:
      1. Agent number
      2. Agent signature
      3. Agent last name (first 5 letters only)
    2. If you don’t yet have an Agent number do not mark “pending” in this section. The application will have to be submitted once you have been licensed and appointed.
    3. Using iGo e-App® will ensure applications are completed correctly.
  3. Applicant Signatures or Sign city/state/date

    1. The Home Office cannot process applications that do not have the applicant’s place of signature and their signature. Signature state must match residence state.
  4. Applications received without an initial payment, or received with only a voided check

    1. If premium is not received, in an approved form (personal check or EFT), the policy cannot be put in force. If the bank draft authorization is not submitted, the applicant cannot be set up for recurring payments.
  5. Applications that are too dark/light

    1. Ensure the application is not too dark or light. It will often be more distorted once it’s printed, and even more distorted when it’s scanned into the reader system.
  6. Correct Applications
    1. Use the correct form code. Double check the state code and whether or not a disability or overage application is necessary. This is very important. Using the iGo e-App® will ensure the application is completed accurately.
  7. Missing Barcode, Scan Indicators, and Application Boxes;
    Anything that obscures or alters the barcodes or the boxes on the application can render the application unreadable. To ensure applications are processed, all barcodes must be visible and all pages must be received.

  Reminder: Using the iGo e-App® will eliminate most of the potential issues listed above. iGo e-App® will provide the Letter of Intent, and it will ensure the application is completed accurately.  
  If you are not already using our iGo e-App®, or even if you’d just like a refresher course, now is the time to see how this sales tool can save you time and money in the busy sales season ahead!  
  Click here to view our iGo e-App® certification webinar schedule and register for a live training webinar. The iGo e-App® is available for Medicare Supplement, Final Expense Life, Juvenile Whole Life and Reserve Fund Annuity sales. (Some products are not available on iGo e-App® in New York).  
  United American and Globe Life Insurance Company of New York will be running special training webinars on selling during the AEP. Click here to view the schedule and register today.  

United American Insurance Company Agents who have questions can contact Agency Service at 1-800-925-7355 or email Hours of operation: 7:45 a.m. - 5:30 p.m.


Globe Life Insurance Company of New York Agents who have questions can contact the Home Office in Syracuse at 315-451-7975 or email

United American and Globe Life Insurance Company of New York conduct free Training Webinars for all appointed Agents. Register NOW on your General Agent website.
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Sent by Aurea on behalf of United American Insurance Company and Globe Life Insurance Company of New York.