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What can be done during the SEP? Plans/Part D Sponsors must submit to CMS social media (e. g., Facebook, Twitter, YouTube, LinkedIn, Scan Code, or QR Code)posts that meet the definition of marketing materials, specifically those that contain plan-specific benefits, premiums, cost-sharing, or Star Ratings. Mrs. paterson is concerned about the deductibles work. She plans to switch from her old MA HMO plan to the new MA-PD plan during the Annual Election Period. Mr. Carter, who is enrolled in a stand-alone Part D plan, receives the Part D low-income subsidy and just received a letter from the Social Security Administration informing him that he will no longer qualify for the subsidy? MA and Part D enrollees who move out of their existing plan's service area, or who have new options available to them as a result of a permanent move. Part D enrollees have three options for paying their Part D premium.

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Plan sponsors must include a disclaimer on all marketing materials promoting a prize or drawing or any promise of a free gift that there is no obligation to enroll in the sponsors must track and document promotional activities and items given to current enrollees during the year. Medicare Savings Program: help paying for the Medicare Part B premium and, in some cases, deductibles and coinsurance. What action(s) should BestCare take in response? If Mr. Johannsen gains the Part D low-income subsidy, how does that affect his ability to enroll or disenroll in a Part D plan? Beneficiaries who have moved into a plan service area from a location where there was no Part D plan available (e. Mrs. paterson is concerned about the deductibles explained. overseas) qualify for an SEP just for Part D election purposes MA eligible and Part D eligible beneficiaries who experience certain qualifying events are allowed an SEP Timeframes for SEPs are variable, however, most begin on the first day of the month in which the qualifying event occurs and last for a total of three months. Marketing representatives cannot say: ▪ The government wants you to join a Medicare health plan because it helps them.

Social media posts are subject to marketing requirements, such as those related to testimonials. BestCare Health Plan has received a request from a state insurance department in connection with the investigation of several marketing representatives licensed by the state who sell Medicare Advantage plans. Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and paid taxes during that entire period. Mrs. paterson is concerned about the deductibles balances. This rule applies to all types of Medicare Advantage plans, including dual eligible SNPs. ▪ You should opt out of MMP enrollment because everyone knows you will get a higher quality care through a Medicare Advantage plan. In 2017, beneficiaries pay $164. Agent Armstrong returns calls to individuals who call MarketCo in response to its mailers promoting BestChoice health plan. Generally disclaimers are not required unless a communication written for social media has the potential to be disseminated via other mediums, such as D Sponsors must not include content on social/electronic media that discusses plan-specific benefits, premiums, cost-sharing, or Star Ratings for products offered in the next contract year prior to October 1. With the help of Agent James Chan, she enrolls in FeelBetter Medicare Advantage plan with an effective date of July 1st.

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If Mr. Block enrolls in the stand-alone Medicare Rx plan, he will be dis-enrolled from the MA plan. What do you need to do with your materials before using them for marketing purposes? PPOs must have a maximum limit on member out-of pocket costs for network providers of not greater than $6, 700 per year and an aggregate limit on network and non-network costs of $10, 000. What could you tell her about the implications of such a decision? Mr. Block is currently enrolled in a Medicare Advantage plan that includes drug coverage. He generally would pay a monthly premium, annual deductible, and per-prescription cost sharing. Disenroll from an MA plan, PDP or Cost plan or leave Original Medicare Enroll in a 5-star MA plan, PDP or Cost plan Eligible individuals may enroll in a 5-star plan through 1-800-MEDICARE,, or directly through the 5-star plan. ▪ Market non-health care related products. Mr. Moreno invited his neighbor, Agent Tom Smith, to discuss Medicare Advantage (MA) and Part D plans that Agent Smith sells at the regular Tuesday brunch the neighbors have for senior citizens. What does this mean? Mr. Carlini has heard that Medicare prescription drug plans are only offered through private companies under a program known as Medicare Advantage (MA), not by the government. The State Medicaid office will check eligibility for this and other programs such as the Medicare Savings Program. What should you tell them about Original Medicare's coverage of care in a skilled nursing facility? Employer group plan enrollees may have additional choices.

Mr. Landry is approaching his 65th birthday. That is, unless a cost plan enrollee opts out, he/she will be automatically enrolled in an MA plan offered by the same dividuals subject to deemed enrollment will be notified by CMS and the plan and given the opportunity to choose another option. Agent Mark Andrews would like to employ technology to facilitate the growth of his Medicare Advantage (MA) practice. As previously noted this enrollment is only valid when executed by the beneficiary/legal representative or as State law allows. However, she wants to make sure she does not end up paying premiums for two plans. You should tell your colleague no because participation in an educational event may not include a sales presentation. PFFS is not a Medicare supplement, Medigap, or a Medicare Select policy. She uses no medications and sees no reason to spend money on a Medicare prescription drug plan if she does not need the coverage. You are seeking to represent an individual Medicare Advantage plan and an individual Part D plan in your state.

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If you wait until later to sign up, you will be charged extra on your premium for every month that you waited. When marketing Medicare Advantage and Part D plans, what are you permitted to do with respect to meals? Anticipated attendance may be used, but must be based on venue size, response rate, or advertisement circulation. Thus, he is obligated to comply with all marketing requirements, including those regarding using only approved call scripts. Part D low-income subsidy: help paying for prescription drug coverage. One plans on giving door prizes worth $5, refreshments valued at $8 per anticipated attendee, and coupon books with discounts worth $10. A number of requirements apply to electronic enrollment mechanisms, including, but not limited to: Plan Sponsors must submit all materials, web pages, and images (e. g. screen shots) related to the electronic enrollment process for CMS dividuals must be provided with all required pre-enrollment information (see module 4) mechanism must comply with CMS' data security policies. What could you tell her? Enrollment via the internet: CMS offers an on-line enrollment center through • Individuals can also enroll through: • CMS on-line enrollment is disabled for MA and Part D plans with a low performer icon (LPI), which means the plan received less than 3 stars for three consecutive years. Mr. Rivera has QMB-Plus eligibility and is thus covered by both Medicare and Medicaid.

▪ If the gift is one large one that is enjoyed by all attending an event, the total cost must be $15 or less when divided by the estimated attendance. If the PFFS plan does not offer Part D coverage, the beneficiary may enroll in a standalone PDP. Mrs. Ramos is considering a Medicare Advantage PPO and has questions about which providers she can go to for her health care. The Part B deductible will no longer be covered for individuals newly eligible for Medicare starting January 1, Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) will make changes to Medigap plans effective 2020. Agents/brokers are subject to rigorous oversight by their contracted health or drug plans and face the risk of loss of licensure with their State and termination with their contracted health or drug plans if they don't comply with strict rules related to selling to and enrolling Medicare beneficiaries in Medicare plans. Mr. Buck has several family members who died from different cancers. Marketing representatives may offer gifts to potential enrollees if they attend a marketing presentation as long as the gifts are of nominal value and provided regardless of enrollment and without discrimination. ▪ If you don't like this plan, you can stop paying your premium and return to original Medicare anytime. Some MA plans, known as dual eligible Special Needs Plans, are tailored to dual eligible individuals, depending on the category (see prior slide) to which they belong. 50 coinsurance for days 21-100 each benefit patient psychiatric care (up to 190 lifetime days) Part A does not cover custodial or long-term care Cost-sharing may differ for enrollees of Medicare. Mr. Carlini can stay with Original Medicare and also enroll in a Medicare prescription drug plan through a private company that has contracted with the government to provide only such drug coverage to eligible Medicare beneficiaries. How should you respond to your colleague's suggestion? • When withholding begins, it will be for the 2-3 months of premiums owed.

Mrs. Paterson Is Concerned About The Deductibles Balances

Cost plan may obtain Part D benefit through their plan (if offered) or through a standalone PDP. You also may apply through SSA. Agent Armstrong is an independent agent under contract with MarketCo, a third party marketing organization. MarketCo has a contract with BestChoice health plan, a Medicare Advantage organization, to offer marketing services through its contracted agents and agencies. ▪ Ask for referrals.

The company has added Medicare Advantage and Part D plans and you will begin marketing those plans this fall. However, she and her physicians feel that after her lengthy hospital stay she will need a month or two of nursing and rehabilitative care. He could look at plan designs to see if one of the enhanced plans would serve his needs better than a plan based on the standard design. General audience materials such as brochures, direct mail, newspapers, magazines, television, radio, billboards, yellow pages or the Internet. He would like you to help him complete the enrollment application because he wants to make sure he gets into the right plan. He found a stand-alone Medicare prescription drug plan in his area that offers better coverage than that available through his MA-PD plan and in addition has a low premium. Enrollees may be enrolled in a stand-alone PDP only if they are enrolled in: Original fee-for-service Medicare; Private Fee-for-Service (PFFS) plan without Part D drug coverage; Medical Savings Account (MSA) plan; or 1876 Cost plan. Enroll in or disenroll from a PDP or MA-PD plan. Have access to doctors, specialists and hospitals: Get emergency care when and where they need it. Example: Ms. Perry is awarded LIS. He is wondering if he can switch to a lower cost Part D plan. Mr. Alonso receives some help paying for his two generic prescription drugs from his employer's retiree coverage, but he wants to compare it to a Part D prescription drug plan. Employed or independent agents/brokers must be state-licensed and follow all state appointment regulations in order to sell Medicare Advantage plans. You notice that her handwriting is illegible and as a result, the spelling of her street looks incorrect.

Begins on the month the individual becomes eligible for LIS. Ms. Levi often travels to visit relatives and is concerned that she may need emergency care outside of her plan's service area. When you market Medicare Advantage and Part D plans, what may you offer as a gift to induce enrollment in a plan? In setting up the enrollment site, which of the following must Phiona consider? She does so using this SEP and her enrollment is effective December 1st. Can obtain care from any provider who participates in Original Medicare, but generally will be charged a lower co-payment if she goes to one of the plan's preferred providers. Since no gift or prize exceeds the $15 limit he believes his plan is acceptable. What should you keep in mind to comply with the marketing requirements for MA plans?

If enrolled in a Medicare coordinated care plan (HMO/PPO) or a PFFS plan that includes Part D drug coverage, the beneficiary may not be enrolled in a stand-alone PDP. You offer to help, but you tell him that you cannot do which of the following?

Joe Cook, former painter and current partner at Catalyst Construction in Prairie Village, Kansas, starts with a list of preferred sheens: Ceilings get flat paint; walls get eggshell; trims, doors, cabinets, and exteriors get satin. The good news is that FPE can be brushed on, provided you use the right type of brush and follow a few simple tips. Rick has recently graduated from the Fine Paints of Europe Certified Painters Program and continually challenges himself to bring quality work to every home in Portsmouth and the rest of the classic coast. If you look down, we have barely more than my shoulder width into the laurel jungle, and if you look straight up – we had to go up there. Fine paints of europe vs benjamin moore cabinet. Larry has been a contractor for over 36 years and now travels the country training and consulting with painting contractors. Find perennials that are native to our area, as well as evergreens.

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I tried Flotral, and that made things worse. If they are being brushed on, most of them should be applied with a synthetic brush, but follow manufacturer recommendations on the can. If you live on this side of the pond and order Farrow & Ball through your interior designer, expect to pay about $100 a gallon for its off-white, old white or shaded white paint. When brushing FPE paint, it's important to use a high-quality natural bristle brush. Sanding walls before painting does even more to make a surface optimal for painting. Apply to be featured in a celebration of the partnerships between designers and pro painters. Fine paints of europe vs benjamin moore near me. Join us on January 8th, 2022 for our first Fine Paints of Europe training class. This is not news—the industry was saying essentially the same thing 10 years ago.

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Ramsden Painting has been painting for almost fifteen years in the residential painting field and without hesitation the Superior interior paint to use would be Fine Paints of Europe. Because we're close to water and have our share of wet weather, having an annual or biannual inspection of your home's interior and exterior is a good idea. Look for: If you're still unsure, the easiest way to test for wood rot is to take a screwdriver and press it against an area you are testing. Customers have been extremely happy with the results they have seen using Fine Paints of Europe. These are a simple selection of some of the best options as a starting point for you to consider. For trim, doors, and cabinets, he specs Benjamin Moore's Satin Impervo or their Advance waterborne alkyd paint. Painters using Festool sanders are able to ask more for their jobs because they are using Festool to prep. Color of the Year 2022. Fine Paints Of Europe Dutch Enamels | Gregory's Paint and Flooring. Eco Brilliant is a hybrid paint. Benjamin Moore exterior paint is a good choice for those who want a durable, long-lasting paint job.

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Let's Talk About FINE PAINTS OF EUROPE. They will add touch of color all year round. How long does it take? Shingle siding is not immune to wear and tear and there are a few common issues that you may experience over time. Don't overlook powder rooms, laundry areas, and foyers, as those spaces either introduce your home to visitors or are used by you more than you think. If your walls show major stains of any kind, you can apply a special type of primer to those areas. Williamsburg Color Collection. Their products are specifically designed to meet the needs of professional painters and decorators. High Gloss Paint Finish With Fine Paints of Europe - Painted Furniture. BUT WAIT, Who has the BEST? Selecting the exterior paint color you'll love for many years is a topic for another blog. After Eco Brilliant was cured for two weeks, the products had 36 hours to dry before being cleaned. I noticed it had these beautiful brass handles (and y'all know I love an old-school brass handle). Manufacturers say they level better than all-acrylics, are harder, and have deeper colors.

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You see the interior of your home almost every day, and sometimes those imperfections seem normal, but they're not. Handle sizes and shapes are about balance and comfort. Here are our top 7 ways to tell if your home needs a repaint. No extender/additive is required for rolling. But what if you've fallen in love with Farrow & Ball colors, the charm of their muted hues and delicate undertones? Full coverage in just 2 coats that dries to a satin sheen. And this is a custom color that we had help from Daly's to create. The Slow Evolution of Paint. You can order just 1 piece of as many as you like, all the colors in the system are there. Learn more about newly enhanced ultra-premium AURA® Exterior paint. Because the application of these coatings require painters with high levels of expertise and substantial experience, Fine Paints of Europe created the Master Certified Painters and Certified Painters Program as a way for people to know who are the best applicators in their local areas. Farrow & Ball didn't fare so well. Now, once you have cleaned and prepped the dresser, you can go ahead and start priming and painting! So they have a peeling door or trim and need to get the paint off.

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We're coming around under the north elevation here, and as we go through this breezeway you'll be able to see that the property line is less than four feet off the corner of the house, which goes up at every bit of 30 to 40 feet. Of course, I can't spend that kind of money on paint for myself. Fine paints of europe vs benjamin moore classic grey. Featuring quality paint bolstered by the use of Gennex color technology, Benjamin Moore has been a mainstay in household decor, both indoors and out. With fresh mulch, flowering plants, and some well-appointed shrubs or trees, you can complete your landscaping projects to enhance the appearance of your home's exterior space.

Now is the time to contact a professional painting contractor to protect and extend the longevity of your home. This update, if nothing else, allows tinting these products with Ben Moore's proprietary waterborne GENNEX tint system on computerized dispenser systems. Now, I don't see any excuse for failing to do a good job. If you have cedar siding, it's important to take care of it properly to ensure that it looks good and lasts for many years. It may be time to either clean or instead, completely update your home's siding. Once you've got your brush loaded with paint, start painting in the direction of the grain. Browse Ideas by Project. They are sold as "waterborne alkyds" or "water-based alkyds. " We are taking new clients who need assistance from full-service, experienced home improvement professionals. For anyone intimidated by an abundance of paint choices, going with a boutique paint designer may feel less threatening.

For walls, Cook chooses Benjamin Moore Regal Select interior paint, Sherwin-Williams ProMar 400, or Behr Premium Plus, depending on the project and budget. It does glide more than it drags, but when painting a dark, brilliant color on a door, it was impossible not to see breaks in the sheen. I recently was able to get my hands on this Lancia dresser from Kent-Coffey and I am OBSESSED. "Cheap brushes are a waste, " he says. Class starts at 8 o'clock. A vast array of finishes.

Wouldn't think of painting outside without first pressure cleaning – no brainer. Grab a brush and paint a small section of your wall. Relevant video links and QR codes are embedded in the content to access additional information quickly and easily. In line with our product portfolio optimization strategy, Benjamin Moore is pleased to bring new and improved offerings to market this month. Using large stickers of accurate colors, Samplize allows you to place the colors and move them around. It removed all sorts of little bits and blobs that had accumulated on the walls and made the finish noticeably smoother and nicer looking.

Cedarwood is a durable siding but can be a target of wood-boring insects. "It has great flow with a brush or roller, and good coverage. " Regardless of how long you are looking to go between repainting your surfaces, a high-quality paint will retain an even finish, require fewer coats of paint during application, and will better stand up to everyday wear-and-tear.