- [Man] All right, Wednesday
Wrap Up 1-8, and marker.
(clicking marker)
- Hey, I'm Rebecca Gordon.
- I'm Sylvia Gordon, we're
gonna be talking about
FEMA weather related disasters.
It's a little dry, but
you need to know it.
So stay tuned.
(upbeat music)
- All right.
So, we've had several
natural disasters this year,
and how does that work
- Let's look at 'em.
- with your AEP and SEP,
how does natural disasters
have an impact on you?
- So what is the website
that they would go to
to see if you have clients in the area
where they would potentially have an SEP?
- It's called fema.gov/disasters.
- Okay, so here's the
site, and this is gonna
list all the SEPs, all
the impacted counties
where they would have an SEP.
So it's a lot.
- So this is interesting, like I would not
have known a tropical storm, Michael--
- Yeah in Alaska
- For Alaska.
- Keep going, there's
a whole bunch of these.
So, can you go the other
slide and scroll by counties.
- And this was interesting.
We said this last week
but I think it's important to recap
that I might not be involved.
I might not be living in Alaska
during Tropical Storm Michael,
but my sister, who gives
me all of my advice
on my health care, does.
I would have an SEP because
the natural disaster impact
on her had an impact on me.
- 'Cause I couldn't help my sister.
- 'Cause she couldn't help me.
- Right.
- That's crazy.
- Yeah, I just had a client,
her 90 year old sister lives up here
and she lives in Miami
and she does everything for her sister.
- Did we have a natural
disaster in Indiana?
- No.
- Okay.
- But I'm saying you know,
- Whew!
- a lot of, like I'm
saying, this is legit.
- Right, when people are--
- She handles everything for her sister.
If her sister was affected
by Hurricane Dorian,
which she is in an impacted county.
- In Florida.
- This lady in Indiana would have an SEP,
even though she lives in Indiana.
- Right.
- Because her sister has POA
and you don't have to
have Power of Attorney
but she actually does.
So it sounds kind of like a sham,
like they're trying to
get over on the system.
- A little bit.
- But that's legit.
- But it makes sense.
- You can see that scenario.
This client in Indiana
would deserve an SEP
'cause her sister could not help her.
- Well, let's talk about Hurricane Dorian.
- So, we're scrolling back here.
So, had North Carolina,
all the impacted counties
of Hurricane Dorian, South
Carolina, and of course, Florida.
I think Georgia too.
- I mean, golly, it could have been also--
- I don't know where,
- The coast, yeah.
- keep going, go, go, go that way.
Yeah, it's a lot.
- I don't know how far
up the coast it went.
- So yeah, it is Georgia,
oh, only those counties.
And then of course all
these counties in Florida.
- How do you enroll somebody?
- So, if you're doing
a paper app it's easy.
You will take and use the code SEP.
- And then put "Hurricane Dorian."
- "Hurricane Dorian."
- You would list the natural disaster.
- Whatever one it was.
Like you said, Tropical Storm
Michael, or whatever it is.
- What if you're trying to do an e-app?
- So, everybody's e-apps,
clearly they don't have that ability,
so ask us in the comments
and we'll tell you
whatever carrier you want to know,
how to use it with that carrier.
- So, when can you use an SEP?
They have something that's
called like the incident SEP.
What does that mean?
- Okay, so the incident
period is a full four months
after the incident.
So, if the incident, let's
say the wildfire impacted
your county--
- September 1st.
- Okay, well let's say August 1st.
(laughing)
- Okay, August 1st.
- August 1st, so they
have four full months
that they can use that SEP.
So, this is from FEMA's website,
remember you can only use
this Special Election Period
after December 7th to make a choice
for the Fall open enrollment period
if the incident period started
between August 1st and December 7th.
Yeah.
So, we're talking, it's four full months
after the incident, the
hurricane, the typhone,
typhone, the typhoon.
- The typhone.
- The wildfire, the flood,
whatever was a FEMA declared disaster.
But the best part about it is,
and it wasn't always this way, is
(drum roll with hands)
- Agents now can get
commission on this business.
And that's where we give
a big woohoo to NAHU--
- Shout out again.
- Because it didn't
used to always be like this.
CMS enrolled the person.
They kept the commission,
if CMS takes commission.
And NAHU fought for that and they fought
for all the hardworking agents.
- Fought for you.
- And our 50 million
- Yes you can.
- beneficiaries, so if
you're not a member of NAHU,
dear God, join.
- We're gonna try to shame
you every week into joining.
And we have invited Janet Troutwine
from the National Office
to be on our show.
And so we want to get membership up
so we can really impress her
that you guys have joined.
- Raise awareness,
that's what we're doing.
- Because what it used to be
is your client would call you
and said hey, I don't have
any proof or documentation.
I'm living in a hotel.
I missed AEP.
My drugs are no longer
covered, help me change.
And the agent would
just have to help them,
sit there and three-way dial Medicare
and let Medicare enroll them in the plan.
The agents, after the
agent's done the legwork,
researched what would be the best option,
and then the agent was not
compensated for his work.
- And the client's gonna
continue to come back
to that agent for all
questions throughout the year.
- Right, and the agent
was not compensated.
- So, was not right.
- So that was clearly unjust
and that has been rectified.
- So thank you NAHU.
- The thing is we were
talking about an SEP right now
and it's also OEP,
because we're in January
and I don't want people
to mess these things up in their head.
During an SEP, they can
change Part D to Part D.
During OEP, you can't
change a Part D to Part D.
So if you put the wrong
election period on there,
it's gonna get kicked out.
So, you know, make sure you're using
the right election period
and don't go oh well, it's OEP, who cares.
- [Rebecca] Just check a box.
- Yeah.
It's gotta be, it's gotta say SEP
and have a valid FEMA
disaster in that county.
Now remember, you don't
have to live there.
The carriers are still gonna ask you
for proof that you did live there.
Every carrier is gonna want proof.
- But you don't have to provide it.
- But if you don't have it
because it was all burned up
or flooded or whatever, you
can just make an attestation
that you live there.
And again, the other one would be
that you never lived there,
your stuff is not burned up
but you're a family member or whoever,
it doesn't have
- Your confident.
- to be a family member, whoever helps you
was no longer able to help you.
- Let's take the question of the week.
So, this is where agents
like to email us questions
that they've either been asked
or they find interesting.
And the question that
we have this week is,
which carrier has the best Agent Service?
- Right.
So, give a shout out to whoever really
(shouting)
did a great job for you
during AEP because we
all love to complain,
that's human nature.
- Everybody complains.
- And we all know who had
terrible customer service.
- Let's praise those that
knocked it out of the park.
- Yeah, so,
- (hitting ball with bat)
- go on into the comments
and say who did a great job.
They were easy to get ahold of,
they answered their phones.
- I bet we'll get more sponsorship money
if we announce who that carrier was.
- Yeah, if we say,
yeah, it's an informal poll, tell us
- Tell us.
- who did a good job.
Let's give credit where credit's due.
- That's awesome.
- Happy OEP.
We'll be back next week.
- Happy OEP.
- See ya next Wednesday.
- Good selling.
(upbeat music)
