Imagine Insurance Advisors
Articles & Videos
Welcome to our blog page. This is where you will find our recorded educational seminars.
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Our videos and articles make difficult information easy to understand. We have embedded our YouTube channel videos on this page for easy viewing.
2025 Medicare Basics Video
October 15, 2025
In this session, we review the fundamental basics of Medicare Part A, B, C and D. Medicare made easy to understand. We go over what a Part C Advantage Plan is and how they work. There are many things that we talk about in the video and we hope that you learn something new today.
This video is also a great resource for relearning the basics of Medicare and the main things to think about when you are selecting the type of coverage you feel most comfortable using.
2025 Plan Finder Tool Guide Video
October 15, 2024
In this video, we will go step-by-step how to use www.medicare.gov's Plan Finder Tool for 2025 to review your Part D drug plan during the Annual Enrollment Period. Reviewing your drug plan every couple years helps make sure that your insurance is still meeting your needs. Plans change and your prescriptions may change, and you could be overspending or a formulary change can leave you with not the right coverage. This video is for Plan Year 2025.
Medicare Prescription Payment Plan (M3P) Explained PY2025
October 12, 2024
Welcome to this session where we're going to make the Medicare Prescription Payment Plan (known as M3P and "smoothing") a little more understandable so you can set expectations and decide how to plan.
The program is designed and intended to help high-cost prescription users offset high upfront costs so that it becomes several, more easily managed bills rather than a few extremely high ones. The M3P also helps those that find having a deductible difficult to wrestle with in the first few months of the year (or being prescribed a new medicine).
Thank you for joining us to learn something new today. In every day, there is an opportunity to gain another piece of knowledge.
Medicare Drug Coverage Limits Explained PY2025
October 12, 2024
In this video, we simplify and explain the three coverage phases for Medicare drug coverage. The donut hole/coverage gap has been replaced with a $2,000 maximum-out-of-pocket. This information applies to both Part D drug plans and Part C Advantage Plans equally.
Thank you for learning something new today. Every day is an opportunity to experience something new and be better for it.
Scope of Appointment Explanation
June 29, 2023
As in the past, Medicare continues to require that we document signed permission to discuss Part D drug plan and Part C Advantage Plans before we actually share plan-specific benefit information, like premiums, what your prescriptions cost or what your costs at the doctor/hospital would be. This is call the Scope of Sales Appointment Confirmation Form, or Scope of Appointment (SOA) for short. You must initial or put a check/X in the box for the products you want to discuss and sign and date your name. We are not allowed to tell you which boxes to check. The purpose of a Scope of Appointment is for you to have the power to only talk about the types of plans you are interested in and not be presented marketing material on types you are not interested in. This form helps to protect you from unwanted phone calls and unethical marketing practices.
Signing a SOA does not obligate you to enroll in a plan or change your plan. It only provides legal proof that you asked that agent to present that material and answer your questions. Agents are not allowed to "cold call" or "door knock." You must have asked them to call you (or asked an entity to have someone call you.) Agents must be able to provide a signed SOA to insurance carriers or authorities relating to a specific enrollment application or sales phone call if asked. The SOA protects both you and us.
Medicare is reinstituting an old rule called the "48-hour cool off" period. An agent must wait 48-hours from the time they receive the signed SOA before we are allowed to call/email information about a plan other than the one you are enrolled in. This means that if you call about a plan you just saw, you have to wait at least 48-hours to hear the benefits from the time you sign and send us the SOA.
A signed SOA is good for 12-months. This means we could answer questions about any plans for the products you check for 12-months. If we are having a discussion about one product and you want to talk about the other, you can sign a new SOA at that time and then the discussion may continue. We can do a paper form or an electronic SOA. With paper, we can mail a form or email a PDF (you can print) and you physically sign it and mail or email/fax it back to us.
With an electronic SOA (e-SOA), you get an email from a carrier with a means of signing your name using the mouse on the screen or typing your name as an attestation. Then you press a complete and return button to have the site send it back to us. The SOA is available for you to open and print right now from our website. It is also included at the end of each Review Packet.