Understanding the Medicare BackOffice® process is important for several reasons. When you understand what we’re doing for your clients, you can better help them manage the health care piece of their retirement plan. Plus, it helps you have better referral success.
Needs Analysis
Whether you call us with your clients’ permission from your office or your clients contact us, each of our Licensed Insurance Agents will conduct a needs analysis, gathering all the information necessary to find a Medicare Supplement, Medicare Advantage or Medicare Part D Prescription Drug plan that’s in their best interest. Just as you take care of your clients with the utmost professionalism, our agents treat your clients with professionalism and thoroughness, exploring all possibilities so that you can rest assured they’ll find an affordable plan that meets their individual needs.
While you may choose to recommend a certain plan to your client, we can explore a wide array of solutions because we represent more than a dozen carriers. You remain the referring agent, but the Medicare BackOffice agent becomes the agent of record for any Medicare application. Please note that our process reviews all options — Medicare Supplement and Medicare Advantage health insurance plans and Medicare Part D Prescription Drug plans — as Medicare BackOffice is not a service for placing stand-alone prescription drug plans.
Annual Reviews
If your client buys a policy through a Medicare BackOffice agent, Medicare BackOffice then services that account on an annual basis moving forward. We will provide educational information and any pertinent updates on Medicare and potential changes in coverage. Each year, during Medicare’s Open Enrollment Period (also called Annual Election Period), Medicare BackOffice will conduct a review of their coverage. Agents typically reach out ahead of open enrollment and schedule a time during this period — Oct. 15 through Dec. 7 — to conduct the review. Annual reviews are important to make sure they get the coverage they need, avoid overpaying and identify plan changes that could cost them thousands.
To help them understand the importance of annual reviews in managing their health care costs in retirement, Medicare BackOffice will not only remind them directly, but also provide you materials to remind them. At any time, you can securely view the status of your referrals by logging in with your user name and password to the Medicare BackOffice website.
Together, we can help your clients navigate the complicated world of Medicare so that they can reach the retirement they desire and you can continue to focus on what you do best. If you have further questions about how Medicare BackOffice works, visit our FAQs or call 1.877.385.8083
