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It covers key contacts and mailing addresses, important phone numbers, MACRA-related plan change rules effective January 1, 2020, and detailed policy issue guidelines such as enrollment periods, anniversary/birthday rules, selective issue, reinstatements, replacements, and telephone interviews. 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It also sets expectations for direct contact with the agent or applicant if application issues arise.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What MACRA changes affect Medigap plans starting January 1, 2020?",{"text":113,"@type":109},"Starting January 1, 2020, Medigap plans sold to new people with Medicare are not allowed to cover the Part B deductible. Plans C and F will no longer be available to individuals new to Medicare starting January 1, 2020, while existing coverage may be retained.",{"name":115,"@type":106,"acceptedAnswer":116},"What key elements are included in the application and electronic application process?",{"text":117,"@type":109},"The guide lists application sections such as personal information, eligibility, Medicare/insurance information, premium payment and administration, medical questions, and agreement acknowledgements. It also outlines electronic application steps including open enrollment, guaranteed issue, underwriting approval, and digital signature/date requirements.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},572954,1792112783,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":9,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":141},5909892210082,"https://ap-avatar.wpscdn.com/avatar/56001069da27c9f41e8?x-image-process=image/resize,m_fixed,w_180,h_180&k=1789614185077863061","Medicare Supplement Underwriting Guide  \nTable of Contents  \nIntroduction & Contacts. ........................................................................................ .... ....... ... Page 4  \n• Addresses for Mailing New Business and Delivery Receipts  \n• Online Forms  \n• Important Phone Numbers MACRA.…………………………………………………………………………………………………………………………… Page 5  \nPolicy Issue Guidelines.......................................................................................................... Page 5  \n• Open Enrollment  \n• Anniversary and Birthday Rules  \n• States with Under Age 65 Requirements  \n• Selective Issue  \n• Application Dates  \n• Coverage Effective Dates  \n• Reinstatements  \n• Replacements  \n• Telephone Interviews  \n• Pharmaceutical Information  \n• Policy Delivery Receipt  \n• Guaranteed Issue Rules  \n• Group Health Plan Proof of Termination  \n• Guaranteed Issue Rights for Voluntary Termination of Group Health Plan  \n• Guaranteed Issue Rights for Loss of Medicaid Qualification  \nMedicare Advantage (MA)   Page 12  \n• Medicare Advantage (MA) Annual Election Period  \n• Medicare Advantage Open Enrollment Period (MA OEP)  \n• Guaranteed Issue Rights  \nPremium……................................................................................................. ...................... .. Page 14  \n• Utilize Outline of Coverage  \n• Tobacco Rates  \n• Household Discount  \n• Types of Medicare Policy Ratings  \n• Rate Type Available by State  \n• Height and Weight Chart  \n• Enrollment/Policy Fee  \n• Collection of Premium  \n• Business Checks  \n• Shortages  \n• Refunds  \n• General Administrative Rule – 12 Month Rate Guarantee  \nApplication.................................................................................................. ....................... Page 19  \n• Application Sections  \n▪ Personal Information & Plan Selection  \n▪ Eligibility Section  \n▪ Medicare & Insurance Information Section  \n▪ General Information  \n▪ Household Premium Discount Info Section  \n▪ Premium Payment & Administration Section  \n▪ Medical Questions Section  \n▪ Agreement & Acknowledgement Section  \n▪ Explanation of Benefits Delivery Agreements Acknowledgements  \n▪ Agent Supplement Section  \n▪ Agent Comments  \nElectronic Application…..……………………………………………………………………………………………… Page 22  \n• Open Enrollment  \n• Guaranteed Issue  \n• Underwriting Approval  \n• Digital (Electronic) Signature & Date  \nHealth Questions…........................................................................................................... Page 23  \n• Uninsurable Health Conditions  \n• Partial List of Medications Associated with Uninsurable Health Conditions  \nRequired Forms ................................................................................................................ Page 28  \n• Application  \n• HIPAA Authorization Form  \n• Replacement Form  \n• Agent or Witness Certification for Non-English Speaking and/or Reading Applicants  \nState Special Forms........................................................................................................... Page 29  \n• Colorado – Commission Disclosure Form  \n• Florida-Agent Disclosure Form  \n• Iowa – Important Notice Before You Buy Health Insurance  \n• Illinois – Medicare Supplement Checklist  \n• Minnesota –Agent Information Form  \n• Nebraska – Senior Health Counseling Notice  \n• New Mexico – Confidential Abuse Information  \n• Ohio – Solicitation and Sale Disclosure  \n• South Carolina—Duplication of Insurance  \n• Texas – Definition of Eligible Person for Guaranteed Issue Notice  \nINTRODUCTION  \nThis guide provides information about the evaluation process used in the underwriting and issuing of Medicare Supplement insurance policies for LifeShield. Our goal is to process each application as quickly and efficiently as possible while assuring proper evaluation of each risk. To ensure we accomplish this goal, the agent or applicant will be contacted directly by underwriting if there are any issues with an application.  \nCONTACTS ","cbCaijVRY2jhkSVR","https://ap.wps.com/l/cbCaijVRY2jhkSVR","pdf",719208,29,"English","# Introduction & Contacts\n## Addresses for Mailing New Business and Delivery Receipts\n## Important Phone Numbers\n# Policy Issue Guidelines\n## Open Enrollment\n## Anniversary and Birthday Rules\n## States with Under Age 65 Requirements\n## Selective Issue\n## Guaranteed Issue Rules\n## Group Health Plan Proof of Termination\n## Guaranteed Issue Rights for Voluntary Termination\n## Guaranteed Issue Rights for Loss of Medicaid Qualification\n# Medicare Advantage (MA)\n## Annual Election Period\n## Medicare Advantage Open Enrollment Period (MA OEP)\n## Guaranteed Issue Rights\n# Premium\n## Tobacco Rates\n## Household Discount\n## Types of Medicare Policy Ratings\n## Height and Weight Chart\n## General Administrative Rule – 12 Month Rate Guarantee\n# Application\n## Application Sections\n## Personal Information & Plan Selection\n## Eligibility Section\n## Medicare & Insurance Information Section\n## Premium Payment & Administration Section\n## Medical Questions Section\n## Agreement & Acknowledgement Section\n## Explanation of Benefits Delivery Agreements Acknowledgements\n# Electronic Application\n## Open Enrollment\n## Guaranteed Issue\n## Underwriting Approval\n## Digital (Electronic) Signature & Date\n# Health Questions\n## Uninsurable Health Conditions\n## Partial List of Medications Associated with Uninsurable Health Conditions\n# Required Forms\n## Application\n## HIPAA Authorization Form\n## Replacement Form\n## Agent or Witness Certification\n# State Special Forms\n## Colorado – Commission Disclosure Form\n## Florida-Agent Disclosure Form\n## Iowa – Important Notice Before You Buy Health Insurance\n## Illinois – Medicare Supplement Checklist\n## Minnesota –Agent Information Form\n## Nebraska – Senior Health Counseling Notice\n## New Mexico – Confidential Abuse Information\n## Ohio – Solicitation and Sale Disclosure\n## South Carolina—Duplication of Insurance\n## Texas – Definition of Eligible Person for Guaranteed Issue Notice","[{\"question\":\"What is the purpose of the Medicare Supplement Underwriting Guide for LifeShield?\",\"answer\":\"It describes the underwriting and issuing evaluation process for Medicare Supplement insurance policies. It also sets expectations for direct contact with the agent or applicant if application issues arise.\"},{\"question\":\"What MACRA changes affect Medigap plans starting January 1, 2020?\",\"answer\":\"Starting January 1, 2020, Medigap plans sold to new people with Medicare are not allowed to cover the Part B deductible. Plans C and F will no longer be available to individuals new to Medicare starting January 1, 2020, while existing coverage may be retained.\"},{\"question\":\"What key elements are included in the application and electronic application process?\",\"answer\":\"The guide lists application sections such as personal information, eligibility, Medicare/insurance information, premium payment and administration, medical questions, and agreement acknowledgements. It also outlines electronic application steps including open enrollment, guaranteed issue, underwriting approval, and digital signature/date requirements.\"}]","Medicare Supplement Underwriting Guide | PDF",1791930238,10]