Category: Announcements

2023 ANNUAL MEDICARE CLIENT LETTER

Announcements, Cool School, Kynect, Medicaid, Medicare

A SEPARATE LETTER WILL BE OUT FOR KYNECT CLIENTS IN OCTOBER, SINCE THIER OPEN ENROLLMENT IS NOT UNTIL NOVEMBER 1ST.

 MICHAEL TODD OLDFIELD
Your Cool Financial NINJA!

859.800.7774, option 1 then option 1

 

September 15, 2023

 

TO ALL MEDICARE CLIENTS
FROM MICHAEL TODD OLDFIELD

I would like to say thank you to each and every one of you for your trust, your business, your friendship, and your REFERRALS! My business has grown nearly 50% since this time last year.

If you are new to this, an annual review of your Medicare or Kynect plan is necessary during your Annual Election Period (“AEP”). Why is the “open enrollment” or AEP season so important?

Well, this is the time of the year that each of you get to see NEXT year’s health insurance plans and make your selection as to which plan you believe will serve you best. In Medicare, the right plan should of course cover which doctors you wish to see, which meds you need to take, and then and only then, what “free stuff” the insurer is offering. Never make a healthcare plan choice based upon the “free stuff”.  The television commercials like to sell the idea that you “should not miss out on everything you are entitled to”. That is horse snot. Good healthcare, your doctors being covered and getting your drugs as cheap as possible; that is what matters. Do not let television commercials confuse you. Their purpose is to scare you into thinking you are missing something.

PRE-ANNUAL ELECTION BEGINS OCTOBER 1st FOR MEDICARE BENEFICIARIES (NOVEMBER 1 FOR KYNECT CLIENTS)

Just about the time you receive this letter, Medicare clients will be receiving a text message with a link to go to, to schedule their appointment to talk to me this year (Kynect clients will be next month). Do not “Dawdle” as I have almost four hundred Medicare clients to see in the month of October. It is much better to be one of the first to schedule than one of the last… It takes less than 2 minutes. This coming text message should happen by this weekend.

Step 1 for Medicare Clients – Immediately Schedule Your Annual Review

To schedule your appointment, you simply click https://toddoldfield.com/booktodd/ pick a day and time to meet that is convenient to you; and answer some questions. That’s it. You are then scheduled.

Kynect/Medicaid clients will schedule next month.

If we cannot reach you by text message, do not worry. Regina will call those that do not get their appointment scheduled this way. She never let’s anyone slip through the crack.

 Step 2 is About Saving My Contact Information in Your Phone

From your phone, please click www.popltodd.com in your browser and visit my digital business card on Popl.co. There you click the green “Save Contact” button. Follow your phone’s instructions, and save my contact information to your phone, along with my picture. Even if you have done this previously, please do it again. Some of my contact information seems to change every year. The benefit to doing this is you will see my picture pop up when Regina or I call you.

Step 3 is Leave Me a Testimonial (if You Like)

You can do this or not. It’s up to you. I would appreciate your feedback on the work I do and on my processes. Simply drop by www.toddoldfield.com/addmine and tell me what I did for you that helped you. I need that feedback. While you are there be sure to read some of more than 100 other testimonials that have been sent in.

IMPORTANT: ANNUAL ENROLLMENT NEWS!!!

I am very happy to report that I have added SEVERAL NEW companies above into various places in my life. These include many long standing relationships as well such as; 

  • Allstate has a really nice Medicare Supplement plan with good rates and offers discounts if you wear a Fitbit or other tracker.
  • Essence Healthcare has been a five-star Medicare Advantage plan. It might be this year. We do not know yet.
  • Ameritas has a nice dental and vision plan.
  • Molina and UnitedHealthOne offer great products for the under-65 Kentucky clients.
  • Cigna is now allowing agents to write their drug plans.
  • UnitedHealthcare has been a national leader for a long time. I am still not very fond of their Medicare Supplement rates, but their Medicare Advantage products have improved every year.

And, of course, Humana, Anthem, Wellcare, Aetna, Cigna, and Mutual of Omaha (and others) will be returning. So, we have to factor all these new companies into our decisions this year. No matter who you chose, I have them covered. We need to look at ALL companies and ALL plans and offerings and compare ALL our choices.

Let’s now talk a bit about the changes in Medicare Marketing Guidelines; the “Disclaimer”, “Scope of Appointment”, and “call recording” requirements.

MEDICARE DISCLAIMER GUIDELINES (KYNECT/Medicaid can ignore)

CMS (CMS is the governing body over Medicare) has changed the marketing rules on us. Now any conversation that discusses Medicare plan choices must begin with…

“We do not offer every plan in your area. Any information we provide is limited to the ten insurers we do represent (which includes Aetna, Allstate, Anthem, Cigna, Essence Healthcare, Humana, Mutual of Omaha, CVS/Silverscript, Wellcare, and UnitedHealthcare) and their more than 60 plans they do offer in Kentucky. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance program to get information on ALL your options.”

Argh. I literally represent every option there is. I leave no one out. Again, check the list above. The irony is only licensed, honest, hardworking agents follow the rules. We are not allowed to call Medicare beneficiaries that are strangers and ask them to do business with us. It is just simply not done. If someone calls you, hang up the phone. They are not licensed. Trust me or another licensed professional.

So, to be in compliance with Medicare guidelines this year, it means you will have to call me for our appointment. I can no longer call you. You have to call me and listen to the above greeting. Regina will remind you the morning of your appointment. She will tell you how to call in. Please do not be late!!!

MEDICARE SCOPE OF APPOINTMENT (“SOA”) GUIDELINES

CMS is also beefing up their SOA rules. For many years we have had SOA’s to deal with. You have done a SOA with me before.

If you think back when I signed you up for either a Medicare Advantage plan or a PDP, the first document you signed was a “Scope of Appointment”. That was where I said “this outlines what we will be discussing” and then I told you we have to keep these documents for 10 years. Yuck. But, it is true. I have 100’s or 1000’s of them dating back 10 years.

Well, this year CMS is really cracking down on SOAs. In theory, if I cannot produce an SOA on any appointment I had with any Medicare client, that was not completed at least 48 hours prior to our appointment I am dead meat. LOL. Maybe even lose my license. So, for sure Regina will be texting a SOA and following up on them for each Medicare client. If you cannot do the internet, Regina will mail you one. But, we MUST have it back 48 hours before your scheduled appointment or we will have to cancel.

CALL RECORDINGS

LASTLY, MEDICARE REQUIRES ALL CALLS TO BE RECORDED WHEN DISCUSSING MEDICARE PRODUCTS SO YOU MUST CALL ME FOR OUR APPOINTMENT AT
1-859-800-7774, CHOOSE OPTION 1, AND THEN CHOSE OPTION 1
ONE LAST TIME TO REACH ME.

The first Option 1 will take you to the disclaimer mentioned above and then from there, the second option 1 will transfer you to the recorded line and to me. Then we can talk. It’s actually pretty simple.

SUMMARY

That’s all there is to it this year. If you would prefer to call in and schedule your appointment, that is fine. Regina will begin calling everyone September 18th and will keep calling until we get everyone’s appointment scheduled. You may know this already. Honestly, she pesters people to death until they schedule their appointment. LOL. The best thing to do is “head her off at the pass” so do it NOW! TODAY! There really are only a limited number of slots available.

If you do not want to meet this year. That is fine as well. Just tell Regina that you are VERY happy the way everything is set up and we will not meet. These appointments are for you; not for me.

The last topic I wish to address is… I am no longer The Medicare NINJA! I have always loved that nickname, but, it does not really tell the whole story. I am so much more than a Medicare resource or Kynect advisor. Did you know, I am equally skilled at;

  • Getting people out of debt…
  • Providing them with a legacy for their families through the right kind of Life Insurance…
  • Helping them save for retirement…
  • Assisting them in creating a plan should they need care services…
  • Helping them create a guaranteed income stream so they will not run out of money…

My goal is to save you money on your healthcare, and protect your income during retirement, and your family at all times should you not be around as long as they are. Anyways, that is all I have today. So, I proudly announce… I am your Coooooool Financial NINJA!

Todd

Fall 2023 Update on Mom, Me, Skeeter; My Crazy Life

Announcements

First, let me update you on mom and Skeeter.

Many, many of you know I have kind of a stressed out life involving my mom. I have taken care of her for more than FOURTEEN years and loved nearly every moment of the job. It’s not easy. We have had more than a few big time arguments. In the last eighteen months she has been hospitalized six times I think. Once with Covid, a couple falls, and four or five times with bad infections. It’s been a challenge for sure. I have made 100’s of trips to hospitals to see her there. And, she has spent the last year either there or in facilities. Not been easy for sure. On top of all that, Dementia is clearly trying to take her.

Right now she is doing ok. We spend two or three hours together every day in her facility; drinking coffee, laughing, and enjoying our time together. I want to thank so many of you for asking about her, sending her cards, and the occasional visit. She gives me strength so that I might serve you and others.

Skeeter, my best friend has also had a lot of problems this year. He has had two surgeries and most recently I thought I was going to lose him, but as it turned out he had a simple ear infection. While he is fourteen years old, I am just really not ready to give him up.

My health is good. I am pretty strong and I am very happy. I exercise by walking every day. And, by the time you read this I will have returned from my first vacation in more than ten years, and my first trip out of the country in more than nineteen years. I should have just completed a beautiful trip from Bali, Indonesia where if I had to guess, I met the greatest girl I have ever known (we have been dating for more than two years without having actually met), and I suspect I am probably engaged to be married. That is my intention. I love her and mom adores her. We are a great trio. So, feel free to ask me all the questions you want when we talk this fall.  LOL.

Medicaid / ACA / Kynect Update for 6/14/2023

Announcements, Kynect, Medicaid, Obamacare, Tips
Dear Friends; 

Hey there. I felt a need to get this out to a few hundred people who I have helped in the past with Medicaid or exchange plans on Kynect.com. It is going out by both email and text message in some cases.

Yes, I am sure some of you probably no longer have plans on the exchange. If that is your case, i apologize and please disregard this intrusion. I am just trying to help of course.

There is so much turmoil in the marketplace right now with the ending of Medicaid expansion. I estimate 10’s of 1,000’s of Medicaid beneficiaries in KENTUCKY are affected. We have to be patient right now.

If you think you are about to lose your Medicaid, please contact me ASAP so we can schedule time to speak (or simply go HERE! to schedule your own appointment)

Below are six items I need EVERYONE to do to keep us all squared up as we move forward.

ITEM 1 – SAVE MY CONTACT INFORMATION in your phone. From your phone simply go to http://www.popltodd.com and click the green “SAVE CONTACT” button. That will save me to your phone and you will know it is me when I call you. Please share your contact information then as well so I can save you back and will know when you call me. This will be crucial during this fall’s annual enrollment.

ITEM 2 – PAY YOUR FIRST MONTH PREMIUM. I am happy to help. If you will call me, we can probably do this over the phone.

ITEM 3 – COMPLETE ANY REQUIRED REQUEST FOR INFORMATION (“RFIs”). In many cases the state requires one of two proofs. A “Proof of Loss of Credible Coverage” or a “Proof of Income”. It is very very important that you get these in immediately if requested. Do no do this the night before the deadline. This will severely impact your case potentially.

ITEM 4 -SET UP YOUR INSURANCE PORTAL LOGIN. Ambetter and Caresource both have account portals for you. You usually can create an account there with just your membership ID number and your contact information. Simply go to;

ITEM 5 – PICK YOUR PRIMARY CARE PHYSICIAN. While in your membership portal for sure you are able to “Find a Provider” or “Find a Doctor” and select them as your PCP. Call me if you need help.

ITEM 6 – GYM, DENTAL, VISION BENEFITS. With your membership card, call your insurer to inquire about your fitness benefits. Very cool. Also make sure you do everything in-network. So, see me if you need me to help you find vision or dental providers. I am happy to help.

 

That’s it. Drop by https://toddoldfield.com/testimonials/ (Above) to read the 100+ testimonials about the work I do and if I helped you, please leave me your own testimonial.

Regards.

Todd

Update on Medicaid Expansion Coming to an End!

Announcements, Financial Planning, Healthcare, Kynect, Medicaid, Medicare, Obamacare

To ALL Clients (“Medicaid, Kynect Exchange, Medicare”)

 

Sorry, this is going out by text and email. I really need to get the word out.

Click the video below to have a “TOD Talk” on the subject of the end of the Medicaid Expansion.

Yep! The free ride is over. For the past three years anyone could get Medicaid. But that time is coming to an end. Here is what this all means to most of you….

You should take the following steps.

First, if you have never done it, you need to add my contact information in your phone. It’s very easy. From your phone click www.popltodd.com and click “SAVE CONTACT“. This way when I call, you will know it is me for real. You will even see my picture.

Second, schedule your own appointment with me at a time that is convenient for you by going to https://calendly.com/michaeltoddoldfield/kynect and picking a day an time. Currently the state is sending me like 20-30 hours a week of new cases to help, so do this now. My calendar is going to be very clogged up this summer. Some cases are taking a week to clean up. Yuck. You should know me by now. Well enough to know that if there is money to be saved, I will find it for you.

If you currently have Medicaid, inquire (or watch for a notice) about when your next review date is. At that time you will either be able to keep Medicaid or you will not. If you are under 65 and have no Medicare, it may be that you will qualify for an exchange plan with maximum assistance. This is excellent.

If you have Medicare, AND, Medicaid (or a Medicare Savings Plan) you and find that you are about to lose your Medicaid ACT FAST. It’s ok. We do have to make a change in your plan. If not you could end up with no plan whatsoever.

Remember, the last three years have been a gift for some of us (Where Medicaid is concerned. Anyone in Kentucky could get it, due to COVID regardless of their income and assets. That is just coming to an end. If you qualify for it then it is there for you. If you do not, then you have to get your records straight. This is where I come in.

Call me ASAP or schedule some time with me well in advance of your review date.

Regards.

Michael Todd Oldfield

 

PS – be sure to drop me a testimonial at https://toddoldfield.com/addmine/

 

 

Be Sure to Add My POPL!!!

Announcements

From your cellphone;

STEP 1 – Go to www.popltodd.com

STEP 2 – Click the green “SAVE CONTACT” button.

That will create a .vcf file (contact record) for you to save to your phone. Just follow your phones instructions.

It’s all very simple.

The benefit by doing this is you will have ALL my relevant contact information. My phone numbers, email, fax, social media sites…. everything. Along with my face (such as it is). That way when I call, you will not think I am SPAM and I will be able to reach you.

Do this today please.

Thanks.

Michael Todd Oldfield

Annual Review Appointment Scheduling 2022

Announcements, Healthcare, Medicare, Obamacare, Tips

Hello All.

It’s time to schedule your annual Medicare / Kynect / ACA review. Remember, this is for YOU; not me. We need to make sure always that you have the best plan for YOUR needs.

You may schedule your appointment 1 of 3 ways.

  • OPTION 2 – You can call Regina and she will schedule your appointment for you (she is out having surgery today (Friday) so she will return calls on Monday. Call her at 859.800.7774 extension 1 (If her voice mail is full, she will call you)
  • OPTION 3 – Wait and Regina will call you when she can.

I advise picking option 1 or 2. We have 350 more appointment slots only, and that many appointments to schedule. Do not wait!!!!

I do not want you to be overlooked.

And please, do not forget to drop by www.popltodd.com and save my contact information. See you soon, God Bless!

Todd

 

 

 

 

 

 

Open Enrollment Travel Plans & Calendar; Big Plan Changes Coming!

Announcements, Healthcare, Medicare, What I Do Well

Welcome to Open Enrollment for Plan Year 2019

The decade is fast coming to a close, and there are some BIG changes coming in a lot of the plans for 2019. For sure we need to set aside some time to meet this year. I want all my clients to be well-prepared for 2019.

As always I will be doing all I can do to see every one of you. Please call me ASAP so that we can set up your appointment. My number is 859.654.0120 extension 1000. You can call that number any time.

Medicare.gov Updates

Have you sent in your drug list? If not, here is a link to this important document. It’s not required of course. It does however help me to save time. By sending this document to me, I can pre-enter your drugs into Medicare.gov so that I don’t have to do it once I have arrived. This can very often save 5-30 minutes depending on how many you take.

You can get this document HERE or by clicking the picture on the right. Once you open the document, you can then print it, fill it out, and mail it back to me at;

Michael Todd Oldfield
3408 Crimson King Court
Lexington, Kentucky  40517

Travel Plans

Below is a general guideline for my travel plans for October 1 – December 7, 2018. This is our entire Medicare Open Enrollment and Pre-Enrollment season. This is my funnest and busiest time of the year. I travel more than 5,000 miles per month to visit with 300-400 clients located all across our great state of Kentucky. During this season I work 7 days per week and mostly 12-14 hour days.

It’s very important for you to understand that I do my best to be to every appointment on time, but I will NOT leave a client if they still have lingering questions. So, this means every appointment has the potential of lasting only 15 minutes… or may run as long as 3 hours. I just never know. So, having said that, if you would like to meet, please be patient with me as I work very hard to serve every Medicare beneficiary.

This year there are also many different venues in which to meet. As always I will be in my Wal-mart (Hamburg location), but in addition to that, I will also be in my office (2808 Palumbo Drive, #204, Lexington, KY, 40509). For out of towner’s I will traveling all over Kentucky on various dates. See below for more information.

ASAP, please call me at 859.654.0120 x1000 so that we can book your appointment.

Travel Plans By Date

For planning, below is where I will be on various days and dates.

  • October 1-October 14 – Western Kentucky – Mostly new business visits.
  • October 15-December 7, Mon – Thu, 9AM-1PM – Wal-mart in Hamburg – Existing Lexington area clients.
  • October 15-December 7, Mon – Thu 2PM-8PM – My Office – Lexington area clients.
  • October 19 – Northern Kentucky – New and existing clients.
  • October 20 – Eastern Kentucky – Along I-64 – New and existing clients.
  • October 27 – October 28 – Eastern Kentucky – Far Eastern – New and existing clients.
  • November 3 – Southern Kentucky – New and existing clients.
  • November 9 – October 11 – Western Kentucky – New and existing clients.
  • November 16 – November 18 – Eastern Kentucky – New and existing clients.
  • November 24 – Northern Kentucky – New and existing clients.
  • November 25 – Southern Kentucky – New and existing clients.
  • November 30 – December 2 – New and existing clients.

Travel Plans By Geography

Or, if it is easier for you, below is a list of where I will be headed in a general sense during the entire season.

  • Lexington Area – You can meet with me daily at my office on Mondays – Thursdays from 2PM – 8PM. This is the best place to see me. I book appointments there on the hour (6 per day). You can also meet me at Wal-mart in Hamburg Mondays – Thursdays from 9AM – 1PM. Be sure to call me to book this appointment as there are frequent walk-ups there.
  • Western Kentucky – I will be there October 1 – 14 mostly seeing new clients but will also be seen. I will then return November 9 – 11 to visit with existing clients remaining to be seen. There is not a place I do not travel to in Western Kentucky during this season.
  • Southern Kentucky – I will be down south of Lexington on November 3rd and on November 25th. I will come through Corbin, London, Berea, Richmond, Danville, Lancaster, and Wilmore, etc.
  • Northern Kentucky – I will be up your ways on November 19th, maybe the 20th, and on November 24th.
  • Eastern Kentucky – I will make my first trip into Eastern Kentucky on October 20-21. This trip will probably keep me close to I-64. I will hit Winchester, Mt. Sterling, Salt Like, Owingsville, Morehead, Grayson, Flemingsburg, and maybe Ashland and Louisa. Then I will return the following weekend on October 27-28 and dig deeper into Eastern KY and hit places like Pikeville, Inez, Whitesburg, Harlan, Hazard, Salyersville, and many other towns. I will finish Eastern Kentucky with another 3 day trip on November 16 – November 18.

This is the plan. Of course, it’s subject to a LOT of change. If you have referrals, please have them call me ASAP, so I can get them booked the same time as I get your appointment scheduled (to save time). I LOVE referrals. They are the lifeblood of my business. Please have them call me and mention your name.

They can reach me at 859.654.0120 x1000

Love All The Testimonials

I am just so thankful to the nearly 100 people that have sent in testimonials concerning the work I do. To leave a real life testimonial, go HERE!

[bne_testimonials layout=”masonry”] 

National Life Recognized As One Of ‘America’s Magnificent Eight’ | National Life

Announcements, Financial Planning, Life insurance, Long-Term Care, Savings, Term Life, Whole Life

National Life Recognized As One of ‘America’s Magnificent Eight’

CEO Forum

Montpelier, VT –  (March 28, 2018)  National Life Group has been recognized as one of “America’s Magnificent Eight Exceptional Companies” by CEO Forum, a media company that highlights the innovative work of chief executives from around the country.

Additionally, Mehran Assadi, National Life’s chairman, CEO and president, was featured in a column on Forbes.com in which seven CEOs shared their insights into building an exceptional business.

Robert Reiss, the CEO of CEO Forum, said four criteria were used in determining who to include on the “Magnificent Eight” list. He included companies that had an incredible and aligned culture; provided exceptional customer experience; have strong financials; and have a higher purpose.

“Through all my research, there are few companies who have all of these elements to the degree National Life does,” Reiss said. “After my first time visiting National Life Group in 2016 and again this year I was frankly blown away by the remarkable caring and focused culture. And not just one person. Every person I met had that same passion, and actually contributes to their own cause.”

National Life’s Assadi was one of about 750 CEOs that Reiss interviewed and considered for inclusion among the “Magnificent Eight.”

Assadi said the key to building and sustaining an exceptional business is “a clear strategy, a strong culture, a purpose-driven and performance-oriented team—resulting in exceptional execution.  It all ties together: First, you dream it. If your dreams do not scare the heck out of you, then they are not big enough. Tie your dreams to a worthy cause and connect your team to the cause. Create a movement.”

For the past 10 years National Life has recorded record growth in sales and earnings and is one of the fastest growing life insurance companies in the country. Chartered in 1848, it holds true to its values to Do good. Be good. Make good.

CEO Forum is rolling out the “Magnificent Eight” in a series of audio interviews and in its magazine over the next several weeks. The print edition of the magazine is being mailed this week.

At National Life Group, our cause is to create positive change in people’s everyday lives. From our products and services to all the good we do in our communities, we dedicate ourselves to ensuring a better future – one person at a time. Learn more at NationalLife.com.

 

Source: National Life Recognized As One Of ‘America’s Magnificent Eight’ | National Life

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