Beginning April 1, 2025 individuals wishing to use the Disaster/Emergency SEP must call 1-800-MEDICARE in order to make the election. Plans are required to remove the Disaster/Emergency SEP from enrollment forms and the Plans will only receive the enrollments from CMS. Here is the full CMS memo dated 12/3/2024.

CMS Final Rule for 2025 states: “Beneficiary information collected by a third-party marketing organization (TPMO), including an agent/broker for purposes of marketing or enrolling the beneficiary into a Medicare health plan or Part D plan may only be shared with another TPMO when prior written consent is given by the beneficiary. The consent must list each entity receiving the data.”

What this means to you as an Agent:

You cannot share beneficiary contact information with another agent/TPMO unless the beneficiary has given written permission. This necessitates a change in verbiage on Lead Generation Forms (BRC/PTC). Spark will be using the following disclaimer on their BRC/PTC forms, you are welcome to use as well:

“By providing your name and contact information you are consenting to receive sales and marketing calls, text messages and/or emails from the licensed insurance agent listed on this form about Medicare Plans at the number provided, and you agree such calls and/or text messages may use an automated system for the selection or dialing of telephone numbers, automated voice calls, AI generative voice calls, pre recorded messages played when a connection is made, or pre recorded voicemail messages, even if you are on a government do-not-call registry. These calls are for marketing purposes and cellular charges may apply. This agreement is not a condition of enrollment and you can change your permission preferences at any time by contacting the agent listed on this form. “

Starting in 2025, full dual-eligible beneficiaries will have access to a new monthly SEP, which allows enrollment in highly or fully integrated Dual Special Needs Plans (HIDE/FIDE SNPs). In addition, any beneficiary qualified for LIS or Medicaid will be eligible for a monthly SEP to disenroll from their Medicare Advantage plan, return to Original Medicare, and enroll in a Prescription Drug Plan (PDP).

The quarterly SEP that many have used in the past for dual-eligible individuals and those receiving Part D low-income subsidies (LIS) is no longer available. The SEP available for the first 3 quarters of the year ended on September 30, 2024.

UHC has Individual State Guides

State Guides HERE or on Jarvis. Here are instructions to get there: Jarvis>Knowledge Center>Medicare Product Resources>Dual Eligible Special Needs Plans>State-Level D-SNP Enrollment at a Glance Guides>State (click on the state of the client’s residence)