Medicare Supplements (Medigaps) Training May 2022: Part 1 Overview
Explore the essential aspects of Medicare Supplements (Medigaps) Training Part 1 for May 2022. Learn about Medigap Open Enrollment and why it's important, along with building tools for counseling clients about Medigap plans. Get insights into course objectives, materials checks, and more. Prepare for a comprehensive training experience tailored for SHIBA advisors in May 2022.
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Presentation Transcript
Medicare Supplements (Medigaps) Training Part 1: Medigap Open Enrollment May 2022 continuing education Updated April 29, 2022 Next slide.
Medigaps Part 1 of a 3-part series to be presented in May, June and July of 2022 Next slide.
Why? Why Medigap OEP? Next slide.
What today? Training and building Next slide.
Todays program Training Build our tool kit together Practice counseling clients about Medigap plans. Create some tools we can use when we counsel clients about Medigap plans. Next slide. SHIBA advisor continuing education | May 2022 5
Agenda Topic Welcome and introductions Review agenda Preview course objectives Check materials Introduction to exercises Small-group exercise Share perspectives Review course objectives Wrap-up Time 3 2 2 3 5 20 15 2 8 Notes RTC-led RTC-led RTC-led RTC-led RTC-led Small group conversations Whole team conversation RTC-led RTC-led Next slide. SHIBA advisor continuing education | May 2022 6
Course objectives, 1 of 2 1. Based on a client interview, the volunteer can determine whether the beneficiary has Medigap OEP rights and protections. 2. Using a SHIBA publication, describe to a client what coverage a standard Medigap Plan G provides (after Medicare) and what the beneficiary liability is. 3. Summarize, for a client, the general rules (federal and state) about medical underwriting and waiting periods for pre-existing conditions. Next slide. SHIBA advisor continuing education | May 2022 7
Course objectives, 2 of 2 4. Develop an example list which applies the general rules to the case of this client to explain their specific rights and protections. 5. Create a checklist as a way to organize our work when providing direct service to clients. Next slide. SHIBA advisor continuing education | May 2022 8
Materials check Print and online Next slide.
Materials for today For counseling Scenarios [1, 2 or 3] that describe the client perspective. Guidance for role play exercise. Approved Medicare Supplement (Medigap) plans which includes (last page). 10 Standardized Medicare Supplement (Medigap) plans chart Next slide. SHIBA advisor continuing education | May 2022 10
Introduction to exercises Context and scenarios Next slide.
Medigap training Medigap OEP Guaranteed issue rights June MA plans: You move from service area. MA plans: Trial right period (a) started in MA (b) started in Original Medicare Switch from one Medigap plan B-N to another Medigap plan B-N. Not OEP, not GI rights July Over age 65, focus on pre-x, creditable coverage. Under age 65 (disabled), focus on HCA / Premera; c/b MA plan. May Turning 65 and getting Part B, at the same time. Already pas 65 just getting Part B, now: deferred (SEP) Case #1 Case #2 Case #3 Already Part B, just turning 65, now: disabled beneficiary WSHIP Next slide. SHIBA advisor continuing education | May 2022 12
Medigap OEP review: criteria ( slide 1 of 2 ) Two (2) related conditions for Medigap OEP Two (2) related conditions for Medigap OEP Condition #1? Condition #2? Next slide. SHIBA advisor continuing education | May 2022 13
Medigap OEP review: criteria ( slide 2 of 2 ) Two (2) related conditions for Medigap OEP Two (2) related conditions for Medigap OEP Condition #1? Condition #2? 1. Age 65 or older AND 2. Enrolled in Medicare Part B Next slide. SHIBA advisor continuing education | May 2022 14
Medigap OEP scenarios Scenario 1: I will soon turn age 65 and enroll in Medicare Part B at the same time. Scenario 2: I ve been age 65 for a while and I deferred enrollment into Medicare Part B. Appropriate deferral Scenario 3: I ve been enrolled in Medicare Part B for a while, but I am just turning age 65. Next slide. SHIBA advisor continuing education | May 2022 15
Small-group work Instructions and materials Next slide.
Instructions Use the scenario document on My SHIBA with this exercise. Client Advisor Prepare for your role. Make notes that: Help you advise. You ll put in STARS later. Record the key questions you ask and assistance you provide. Read your persona and stay in character. Read the guidance. Make notes about the circumstances you adopt. Next slide. SHIBA advisor continuing education | May 2022 17
Scenario #1 Liz is going to be 65 years old in a few months and plans to retire from her job and enroll in Medicare Part B at that same time. She has creditable coverage from her current employer and a letter to prove it. She expresses she wants a plan that pays all the expenses Medicare does not, for covered services. Important to her: predictable expenses. She anticipates she will be able to afford the insurance, based on her post-retirement income. Next slide. SHIBA advisor continuing education | May 2022 18
Scenario #2 Paul turned 65 years old some time ago back in 2018 -- and deferred Part B because he was working. Straightforward SEP case. Creditable coverage. He plans to retire, give up employer-based coverage, and enroll in a Medigap plan a few months from now. No concerns about dependents. Not COBRA nor MA. He might consider a high-deductible plan option. Next slide. SHIBA advisor continuing education | May 2022 19
Scenario #3 William will turn age 65 in a few months. He heard that something changes at age 65, but he s not clear what. He enrolled into Medicare Part A and Part B and a Medigap plan (Premera, HCA) when he was first eligible for Medicare - several years ago. He has Plan G, now. He d like to just stay there, with Plan G and Premera, if that s OK? He lives in a place with limited access to psychiatric help and wants to keep his doctor and Master of Social Work. He s asked and they don t contract with the MA plans. SHIBA advisor continuing education | May 2022 Next slide. 20
Scenario discussion Next slide.
Small-group exercise Please raise your hand or use the chat feature to share your ideas. Next slide. SHIBA advisor continuing education | May 2022 22
Next steps Thank you! We re going to use these ideas to build out our toolkit, including getting ready for the program next month. Next slide. SHIBA advisor continuing education | May 2022 23
Course objectives Review Next slide.
Course objectives, 1 of 2 1. Based on a client interview, the volunteer can determine whether the beneficiary has Medigap OEP rights and protections. 2. Using a SHIBA publication, describe to a client what coverage a standard Medigap Plan G provides (after Medicare) and what the beneficiary liability is. 3. Summarize, for a client, the general rules (federal and state) about medical underwriting and waiting periods for pre- existing conditions. Next slide. SHIBA advisor continuing education | May 2022 25
Course objectives, 2 of 2 4. Develop an example list which applies the general rules to the case of this client to explain their specific rights and protections. 5. Create a checklist as a way to organize our work when providing direct service to clients. Next slide. SHIBA advisor continuing education | May 2022 26
Wrap up Feedback is the real breakfast of champions Next slide.
Evaluation Your responses help to improve SHIBA s training program. Did you find today s training helpful or useful for your SHIBA counseling or outreach? What would ve made this training better for you? Please take some time to send thoughts to shiba@oic.wa.gov or to your trainer. Or you may use our brief online survey at https://www.surveymonkey.com/r/SHIBA-TrainingEvaluation. We appreciate your feedback! Next slide. SHIBA advisor continuing education | May 2022 28
2022 training schedule June, and July: Medicare Supplements (Medigaps) August: No CE training celebrate summer! Next slide. SHIBA advisor continuing education | May 2022 29
Photo credits Slide 1 Photo by Vladimir Soares on Unsplash Photo by Visual Stories || Micheile on Unsplash Photo by Jixiao Huang on Unsplash Photo by Nathan Anderson on Unsplash Photo by Ekaterina Shakharova on Unsplash SHIBA advisor continuing education | May 2022 30
