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CMS Issues Guidance for Agent/Broker Compensation Processes

The Centers for Medicare and Medicaid Services has recently provided guidance to Section 120.4.2 of the Medicare Marketing Guidelines regarding agent/broker compensation.  This guidance specifies when a carrier can pay full or pro-rated initial compensation. CMS states: There are three scenarios affecting how an organization may pay full or pro-rated initial compensation. For a beneficiary’s… Read More

No Cost of Living Adjustment in 2016

The Social Security Administration announced that there will be no cost of living adjustment (COLA) for the upcoming year. Since Part B premium is expected to have a slight increase, Medicare enrollees need to keep this in mind when evaluating the available plan choices. Half of all people with Medicare are living on less than… Read More

Critical Flaws Continue in Obamacare Enrollment Process

The Government Accountability Office, GAO, has found critical flaws in the mechanisms of the enrollment process for Obamacare leaving a potential for wide scale fraud. In their tests conducted in 2013 and 2014, using fictitious enrollees into both Obamacare and Medicaid, the fake enrollees were able to obtain subsidized coverage or Medicaid, despite the fact… Read More

Increase in Fine for No Health Insurance

Starting November 1, the penalties for the millions of people who are eligible for health insurance coverage but choose to remain uninsured in 2016 is going up; $695 or 2.5 % of taxable income, whichever is greater. This is up from the $325 or 2% of income in 2015. In 2014 the fine was $95… Read More