FAQs: Frequently Asked Questions & Support Requests

A: Coverage Champs & Unified Growth Partners (UGP) — Health Insurance & Agent Services

Coverage Champs and UGP focus on the U.S. health insurance ecosystem. They partner with agents, payors, providers, agencies, and communities to help eligible consumers secure health insurance and related services.

• • • What they do: Provide back-office support, onboarding, marketing, technology, data-enabled solutions, and retention strategies for agents working in Medicare and individual health products.

    • Target partners: Insurance agents and agencies looking to grow and better serve clients while retaining business

    • Leadership: Key figures include Patrick O’Toole (CEO) and Dan Maltese (President & COO). They emphasize a tech-infused, data-rich, collaborative culture. 

A:

• Medicare Advantage (Part C): Combined plans from private insurers covering Parts A, B, and often D, plus extras like dental/vision.

• Medigap: Supplement to Original Medicare, helps pay deductibles, coinsurance, and copays.

• Part D: Standalone prescription drug coverage for those with Original Medicare.

A: Annually. AHIP (or equivalent) and carrier-specific trainings open mid-year for the upcoming plan year. You must pass before you can market or sell plans for that year.

A:

• Initial Enrollment: Around their 65th birthday or qualifying event.

• Annual Enrollment (AEP): Oct. 15–Dec. 7.

• Open Enrollment (OEP): Jan. 1–Mar. 31 (Medicare Advantage changes only).

• Special Enrollment: Triggered by qualifying life events (moving, losing coverage, etc.).

A:

• Part B: 10% premium increase per 12 months of delay (for life).

• Part D: 1% premium increase per month delayed (for life).

A: Examples:

• Loss of other coverage

• Marriage/divorce

• Birth/adoption

• Relocation to a new service area

A: Yes, but you must follow CMS cross-selling rules—Medicare plan discussions must be separate from non-health products like life or annuities, unless the client requests them and you’ve documented permission.

A:

• Deductible: Amount paid before insurance starts covering costs.

• Copay: Fixed amount for a service.

• Coinsurance: Percentage of cost paid after meeting deductible. 

A: Maybe. Always verify provider network status before enrolling them. Network participation changes annually—check each carrier’s directory for the plan year.

Use only CMS/carrier-approved brochures, SB summaries, plan highlights—not unapproved flyers or ads. Reach out to our Marketing team for any questions: UGP & CoverageChamps Marketing.

A:

• Conduct annual plan reviews.

• Communicate regularly (emails, birthday cards, newsletters).

• Provide service beyond enrollment (help with claims, billing issues).

• Keep accurate contact information for renewal outreach.

A:

• Higher star ratings (4+ stars) often have richer benefits and more marketing funds.

• Carriers with consistently high ratings tend to have better retention.

• Use star ratings as a differentiator in competitive markets—especially with clients focused on quality.

A: Hosting Medicare updates, wellness, or fraud prevention webinars promotes trust and positions you as an advisor—not just a seller.

A: Use a structured schedule (e.g. 3‑30‑60‑90-day check-ins), personalized touches like handwritten thank-you notes, and follow-up calls/emails.