| “Disenrollment
Opportunities Get Renewals Rising Fast!”
The Medicare+Choice program has been recognized by nearly all as a failing program. There are approximately 5.6 million Medicare+Choice customers nationally, and just over a half-million are disenrolling involuntarily due to HMO withdrawals. As for the balance of Medicare+Choice participants, I believe the potential for “voluntary” disenrollments is tremendous. By “voluntary” disenrollments, I mean Medicare+Choice customers who are not disenrolled formally but are encouraged to take advantage of one or more of the following three options:
| • |
a new Medicare private fee-for-service within the existing company’s organization, |
| • |
traditional Medicare Supplement plans sold by the same company which currently manages the HMO, |
| • |
brokerage arrangements formed with outside Med-Supp companies. |
The charts below outline 2002 HMO withdrawals
and the total disenrollment opportunity. There could be millions of additional voluntary and involuntary disenrollments over the next twelve months or more.
More than ever, there is a need to increase recruiting and motivate ourselves to grow in-force renewals before the year is over. We should take advantage of the increased interest from concerned Seniors who are questioning their health coverage in every state. The time is now...motivate to dominate!
|
Medicare+Choice
Disenrollment Opportunities |
| Medicare+Choice plan pullouts and reductions have affected 1.7 million beneficiaries since 1999. Hundreds of thousands more will be dropped by their plans for 2002. The additional potential for millions of disenrollments also may be realized as Medicare+Choice
companies move many of their remaining 5.1 million customers voluntarily to other plans. |
|
|
Source: 1999 and
2000 – Medicare Payment Advisory Commission. 2001 – Health Care Financing Administration
Involuntary Disenrollments “Voluntary” Disenrollments |
|
2002
INVOLUNTARY HMO WITHDRAWALS |
| STATE |
|
|
|
| Alabama |
1 |
The Oath of Alabama, Inc. |
2,733 |
| Arkansas |
11 |
United Healthcare of Arkansas, Inc. |
7,150 |
| |
|
HMO Partners/Health Advantage |
9,691 |
| Arizona |
2 |
AETNA U.S. Healthcare, Inc. |
6,003 |
|
|
PacifiCare of Arizona, Inc. |
4,906 |
| California |
22 |
Blue Cross of California |
1,676 |
| |
|
PacifiCare of CA/Secure Horizons |
35,797 |
| |
|
Health Net of California |
19,870 |
| |
|
AETNA U.S. Healthcare of CA, Inc. |
4,931 |
| |
|
California Physicians Service/BS of CA |
11,787 |
| |
|
Inter Valley Health Plan, Inc. |
561 |
| |
|
National Med, Inc. |
9,012 |
| Colorado |
5 |
HMO Colorado, Inc. |
9,250 |
| Connecticut |
4 |
Connecticare, Inc. |
24,438 |
| |
|
Medspan Health Options, Inc. |
14,347 |
| Delaware |
3 |
Blue Cross Blue Shield of DE, Inc. |
815 |
| Florida |
15 |
Beacon Health Plans, Inc. |
2,178 |
| |
|
United Healthcare of Florida, Inc. |
14,364 |
| |
|
AV-MED Health Plan, Inc. |
4,836 |
| |
|
Health Options, Inc. |
37,970 |
| Georgia |
1 |
Kaiser Foundation HP of GA, Inc. |
348 |
| Hawaii |
4 |
Humana Health Plan, Inc. |
2,666 |
| Illinois |
2 |
United Healthcare of Illinois, Inc. |
32,775 |
|
|
Humana Health Plan, Inc. |
7,764 |
| Indiana |
4 |
Humana Health Plan, Inc. |
1,842 |
| |
|
Advantage Health Plan, Inc. |
2,175 |
| Kansas |
3 |
Blue Cross Blue Shield of Kansas City |
1,952 |
|
|
Preferred Plus of Kansas, Inc. |
4,813 |
| Kentucky |
3 |
Humana Health Plan, Inc. |
12,041 |
| Massachusetts |
1 |
Fallon Community Health Plan, Inc. |
12 |
| Michigan |
18 |
Blue Care Network- SE MI |
16,940 |
| |
|
Health Alliance Plan of Michigan |
1,592 |
| |
|
Selectcare HMO, Inc. |
4,635 |
| |
|
MCare |
8,279 |
| Missouri |
4 |
Blue Cross Blue Shield of Kansas City |
4,965 |
| Mississippi |
79 |
Sterling Life Insurance Company |
1,042 |
| New Jersey |
17 |
AETNA U.S. Healthcare, Inc. |
38,383 |
|
|
AmeriHealth HMO, Inc. |
11,333 |
|
|
Oxford Health Plans (NJ), Inc. |
2,926 |
|
|
Americhoice of NJ, Inc. |
502 |
| New York |
9 |
Oxford Health Plans (NY), Inc. |
13,885 |
| |
|
Health Net of NY |
424 |
| |
|
HIP of Greater New York |
1,281 |
| Ohio |
18 |
United Healthcare of Ohio, Inc. |
2,176 |
|
|
Renaissance HMO, Inc. |
4,159 |
|
|
Family Health Plan, Inc. |
5,579 |
|
|
Community Health of Ohio |
1,554 |
|
|
Health Plan of Upper OH Valley |
525 |
| Oklahoma |
15 |
Pacificare of Oklahoma, Inc. |
804 |
| |
|
Community Care HMO, Inc. |
1,714 |
| Oregon |
1 |
PacifiCare of Oregon, Inc. |
442 |
| Pennsylvania |
8 |
AETNA U.S. Healthcare, Inc. |
54,561 |
| Texas |
30 |
PacifiCare of Texas, Inc. |
25,262 |
|
|
Texas Health Choice,
L.C. |
19,236 |
|
|
Sterling Life Insurance Company |
1,479 |
| Washington |
2 |
Pacificare of Washington, Inc. |
933 |
| |
|
Premera Blue Cross |
9,967 |
| Wisconsin |
8 |
BCBS United of Wisconsin |
10,366 |
| West Virginia |
3 |
Health Plan Of the Upper Ohio Valley |
18 |
| Out of Area |
|
|
2,804 |
| Total Disenrolled |
|
|
536,469 |
|
|
Andrew W. King
President,
Exclusive Agency Division |
October
2001
Disenrollment Opportunities Get Renewals Rising Fast!