Custom AgentBroker Resources
Jan 17, 2024
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5 Things to know about Medicare Advantage OEP – January 1 to March 31, 2024

  1. What changes can an individual make during the Medicare Advantage open enrollment period (OEP)?
    • Individuals enrolled in a Medicare Advantage prescription drug (MAPD) plan or Medicare Advantage-only plan can use the OEP to get a different MAPD plan or MA-only plan or they can return to Original Medicare (with or without a PDP).
    • Individuals enrolled in an MA plan can change to a Medicare Supplement plan as long as the application is accepted by underwriting for that plan. Enrolling them in a PDP automatically disenrolls them from their MA plan, which cannot be easily undone. This is why it’s important to first get underwriting approval.
  2. How many plan elections can an individual make during OEP?
    • Only one
  3. What types of changes are not allowed during the MA OEP?
    • Individuals enrolled in Original Medicare cannot use the OEP to join an MA or MAPD plan, add a PDP, or change their PDP.
    • Switching from a Blue Medicare Advantage Simply Blue PPO with Classic Bundle to Blue Medicare Advantage Simply Blue PPO with Active Bundle. The bundles are part of the plan benefits and not considered a change of plans. You cannot write a new application to add dental for the purpose of switching bundles. However, you may write a new application to add the dental optional supplemental benefit with the same bundle selection.
  4. If I collected a Scope of Appointment (SOA) during AEP, is it good during OEP? It depends on the type of products selected on the original SOA.
    • If the original SOA indicates the beneficiary gives permission to discuss MA plans and they want to discuss a different MA plan, the SOA is still good.
    • If the original SOA indicates the beneficiary gives permission to discuss MA plans but they now want to discuss Medicare Supplement plans, you will need a new SOA.
  5. Am I allowed to “market” to beneficiaries during OEP?
    • You can market to age-ins or individuals preparing to retire who have not made an enrollment decision.
    • You can market to low-income subsidy beneficiaries who, in general, may make changes once per calendar quarter during the nine months of the year.
    • If a beneficiary contacts you directly, you can send marketing materials, hold one-to-one meetings, and provide information on the OEP.
    • Agents may not contact former enrollees who have selected a new plan during AEP.
    • Agents may not engage in or promote agent/broker activities or send unsolicited marketing materials to advertise the opportunity to make further sales.

Your Broker Development and Engagement Manager is here to answer your OEP questions.  

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