Med Supp Consumer Online Application

Transcription

1 Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Omaha Insurance Company United World Life Insurance Company Med Supp Consumer Online Application Marketing Guide Brokerage March 2015 M28848_0315 For producer use only. Not for use with the general public.

2 Table of Contents Medicare Supplement Consumer Online Application... 2 Compensation Rules... 2 Accessing Your URL... 3 Your Med Supp e-app Producer Dashboard... 3 Identifying a Med Supp Consumer Online Application... 3 Assisting your client in completing an application... 4 Producer Med Supp e-app... 5 Marketing Support... 6 Mailing Campaigns... 6 Website Link... 6 Consumer Experience: Mutual Med Supp Web Pages... 7 Creating an Account...10 Med Supp Consumer Online Experience...12 Personal Information...12 Glossary...13 Medicare Information...13 Health Information...14 Review...15 Payment...16 System Generated Status Messages...17 Applicant Generated s...17 Producer Generated s...20 Appendix A-1: Sample Stand Alone Postcards...23 Appendix A-2: Sample Drip Campaign Postcards...24 Appendix B: Material Order Form

3 Medicare Supplement Consumer Online Application Research has shown that a growing number of consumers in their early and mid 60s prefer to shop and purchase financial products online. A Med Supp Consumer Online Application is available to give prospective clients another option when applying for Mutual of Omaha Medicare supplement policies. As an agent you have two URLs available for use (See section below on Accessing Your URL ). Each URL is encoded with a unique identification code that allows our systems to link anyone using that URL directly to you. You will have the following two URLs available for your use: MedSuppbasics.com/unique identification code This URL will direct an individual to the mutualofomaha.com Medicare supplement consumer education pages Start with the Basics and See the Benefits at mutualofomaha.com. ApplyforMedsupp.com/unique identification code This URL will direct an individual to the mutualofomaha.com Medicare supplement quote page Get a Quote at mutualofomaha.com. By using these two URLs, your name and contact information will be displayed on the Med supp education, quote and Med supp consumer online application pages. Compensation Rules Client uses your marketing link (URL) and doesn t have an existing Med supp with Mutual You get the commission Client uses your marketing link (URL) but has an in-force Med supp policy. (If client has a Med supp policy written by another producer, they are given a choice between you and that producer.) - current replacement rules apply Client completes Med Supp consumer online application without using a marketing link (URL) and has no active Med supp but an active Life/DI/CI or AD policy - (If client has a non-med supp policy with you, they ll be prompted to choose you to be the writing producer on this policy) If yes, you get the commission All existing licensing and appointment rules apply. 2

4 Accessing Your URL You may access your encoded marketing links from your Med Supp Producer e-app dashboard. On the dashboard in the upper right corner, you ll see CF e-app Links. Click it and a pop-up will appear on your dashboard containing your two exclusive links. These will never change and they will always be available on your dashboard. (See screenshot below) Accessing your Med supp producer e-app dashboard requires access to Sales Professional Access (SPA) ( SPA Featured Product Med Supp e-app. If you are not currently registered on SPA, please do so; it s quick and easy. Your Med Supp e-app Producer Dashboard Identifying a Med Supp Consumer Online Application When someone begins a consumer online application and you are the agent of record, the applicant s name appears on your producer Med Supp e-app dashboard and the entry system column says Med Supp CFeAPP (See screenshot below) 3

5 Assisting your client in completing an application An applicant may start a consumer online application but ask that you assist them in completing it. You would use the producer Med Supp e-app by following these steps: Access your producer e-app dashboard and find the row with the applicant s name Click anywhere on the row. The following screen will display. 4

6 When you click Take over application you receive a warning screen (see below) before you can continue. Clicking OK takes you into the Med supp producer e-app and your applicant can no longer access the consumer online application. Any populated information already on the consumer online application will automatically populate on the producer e-app. You will proceed to complete and submit the application. Producer e-app forms, s and policy output will generate. Producer Med Supp e-app Because you could be the contact by online visitors through marketing links or as an agent of record, we encourage you to become familiar with the producer Med Supp e-app. On Sales Professional Access SPA Featured Product Resources. You ll find: Sandbox e-app. Before you take you first application using the Med Supp e-app, become familiar with it in the sandbox. You can play with the rate quoter, application and signature options. Quick Start Guide gives you an overview. Training Guide is your complete source with instructions and screen shots. For help with the producer Med Supp e-app, call: Functionality/Technical Issues Field Assistance Center, (800) Usability Questions Sales Support, (800)

7 Marketing Support You can direct a potential client to the Med Supp consumer online application with your marketing link (URL) through a postcard mailing or from your business website. Lead generating materials have been developed to assist in driving traffic to the Med Supp consumer online application. Mailing Campaigns 1. Stand Alone Postcard: We have taken our standard marketing piece and modified it to allow you to advertise rates as well as add your marketing link (UR). (Appendix A-1 Sample) 2. Postcard Drip Campaign: (Pilot Program in IL, KY, MO, NC, NJ, OH and TX ONLY) A series of three postcards has been developed that allows you to conduct a drip campaign. It is recommended that you purchase a mailing list of Medicare eligible individuals and send a postcard approximately once a month starting with Card 1. The postcards have been developed to build on one another, however each can be used as a stand alone if you choose not to conduct a drip campaign. (Appendix A-2 Samples) Postcard 1: (When you re ready ) Utilizes your marketing link (URL) and directs the prospect to the Education page of the Mutual of Omaha website to learn more about Medicare. Postcard 2: (Top three reasons )Utilizes your marketing link (URL) and directs the prospect to the Quoter page of the Mutual of Omaha website to review the available plans and get a quote. Postcard 3: (Ready, Set, Go) Utilizes both marketing link (URL)s and allows the prospect to choose the level of information they seek Learning more or get a quote. To order postcards, file out and submit the request form (M28850 Appendix B). The form can be found on SPA Forms and Materials Prospecting Materials may not be available in all states. Availability is dependent on state approval. Mutual will provide printed copies of the postcards for your use. You simply purchase a mailing list and pay the postage. Website Link Finally, you may post your marketing link (URL) on your company/producer website as you see fit. Be sure you are familiar with our co-branding guidelines and have approval from Mutual of Omaha to use our name and/or logo. Guidelines can be found on SPA Forms and Materials Marketing. 6

8 Consumer Experience: Mutual Med Supp Web Pages The Medicare supplement product pages on mutualofomaha.com have a new look for those states that have a consumer online application. After entering their ZIP on the Med supp landing page the consumer is prompted to explore the educational information or to get a quote. The Education pages Start with the Basics and See the Benefits, provide simplified explanations, eye catching graphics and a logical flow of information. If an individual is directed to the web pages using your marketing link (URL) (MedSuppbasics.com/unique identification code) they will be directed to these pages. See the samples below. Sample: Start with the Basics Sample: See the Benefits 7

9 The Get a Quote option allows for the individual to see quotes for all plans offered in their state and to compare plan benefits. If an individual is directed to the web pages using your marketing link (URL) (ApplyforMedsup.com/unique identification code) they will be directed to this page. Sample: Get a Quote Landing Page Completing the information and clicking the Get Your Quote button will yield a side by side plan comparison of cost and plan details. 8

10 Clicking See Plan Details will provide an expanded section of additional coverage details. With the quote completed the individual can click Select this Plan. They will be asked if they are ready to apply. If so, they can choose to apply as follows: Apply on Line, or Work with an Agent If an individual reached the website using your marketing link (URL), your contact information will appear. 9

11 If they choose to apply online, your information will appear under the Help contact as they proceed through the Med Supp Consumer online application. Creating an Account Before applying online the individual will be prompted to Create an Account and be informed of key information they should have on hand to complete the Med Supp Consumer online application. 10

12 Creating an account allows the individual to save their progress, return if needing to complete and to check the status of their application. If a client has already created an account and they are returning to complete their application or review their app, they can sign in with their user name and password 11

13 Med Supp Consumer Online Experience Once they have created their account they will be directed to the Med Supp Consumer online application. Their account information will populate much of their personal information on the Med Supp Consumer online application. The flow of the Med Supp Consumer online application can be completed in five easy steps. 1. Complete their personal information 2. Answer the Medicare questions 3. Answer any health questions (asked only when the individual is outside an open enrollment or guaranteed issue period) 4. Review the application 5. Select their payment options Personal Information The user will first be asked if they are filling out the application for themselves. If not, they ll receive a warning that the applicant must be present to answer the application questions. Any personal information that the individual provided when creating their account or receiving a quote, will be pre-populated on the personal information screens (Sample below). Missing information will be highlighted in red. Sample Personal Information Screen: 12

14 Glossary Throughout the application, many terms are underlined and shaded blue, clicking them produces a definition from the glossary. Medicare Information The Medicare Claim number entered is validated electronically with Medicare data, if a record is found the Part A and B dates are populated automatically. 13

15 Health Information Based on the information entered in the Medicare section the system determines whether an individual is in their open enrollment period or not. If not, the client is now asked if they are in a Guaranteed Issue situation. If they answer yes or not sure a series of questions to further define the situation appear. If in an Open Enrollment or Guaranteed Issue situation the client will see only the tobacco and height/weight questions in the health section If in an Underwritten situation they will be presented with all the required health questions and a prescription drug entry screen 14

16 Answers to health questions can be clarified for Underwriting by completing the additional information section Review If they have answered the Guaranteed Issue question "yes" they will be presented with a section where they can upload proof of their situation. The appropriate termination letter or proof of coverage can be scanned or photographed and then attached to the application, all major image file types are accepted (PDF, jpeg, etc). The file upload can be skipped if the client doesn't have the means to capture and upload an image but our underwriting staff will need to obtain proof before they can issue the policy. 15

17 When the application has been completed the applicant will have the opportunity to review. The application will appear as a normal paper app with the information appropriately populated. The individual will also be presented with the Medicare Buyers Guide and the outline of coverage. These are downloadable documents. After the documents are reviewed the applicant must close the windows they opened those documents in, being very careful not to close the window that the application website is running in. Payment The final step in the process is to choose their premium payment options. Initial premium payments can be made with a Credit Card or Automatic Bank Withdrawal. Subsequent premium payments must be made with Automatic Bank Withdrawal. Payment with check or money order is not available on the e-app. 16

18 System Generated Status Messages Applicant Generated s System generated s are sent to the applicant to inform them of the status of their application. There are four status messages: Applicant Leaves Med Supp Consumer online application without completing [Sent at 2 and 6 days] Applicant Successfully Submits a Med Supp Consumer online application (Agent of Record copied) 17

19 Applicant After Policy Issues Applicant if Policy is Declined (Agent of Record Copied) 18

20 If a policy is issued the applicant will also receive a temporary ID card (Agent of record copied) 19

21 Producer Generated s There are also system generated s sent to the producer to inform them of the status of their client s application: Confirmation Med Supp Consumer online application Placed on Dashboard Notification a Client Already Has a Med Supp In-force 20

22 Notification that client has been redirected to the producer due to an existing relationship Notification Client Did Not Complete the Med Supp Consumer online application [Sent at 2 and 6 days] 21

23 Copied- Applicant Successfully Submits a Med Supp Consumer online application Copied- Applicant if Policy is Declined 22

24 Appendix A-1: Sample Stand Alone Postcards To check the availability of the postcard in your state, look on SPA under Forms and Materials for your state. Materials are available upon state approval. 23

25 Appendix A-2: Sample Drip Campaign Postcards Company Form Numbers Postcard 1 Postcard 2 Postcard 3 States Mutual of Omaha MC35379 MC35383 MC35384 IL, MO, NC United of Omaha UC8631 UC8644 UC8645 NJ Omaha Insurance Company NC183 NC185 NC186 KY, OH, TX Postcard 1: We are piloting this postcard drip campaign in the following seven states ONLY: IL, KY, MO, NC, NJ, OH and TX. Postcard 2: Postcard 3 24

26 Appendix B: Material Order Form Order form can be found on SPA Forms and Materials Prospecting 25