Update on CMS 2025 Final Rule Implementation

Here is my (current) thoughts on the CMS final rule. Some things you may not have considered that came out of the lawsuit action from NABIP, Integrity, and FMO's.

A lawsuit was brought by Integrity Marketing Group & the NABIP in an attempt to TEMPORARILY “Stay” the implementation of the final rule.

Three rules were asked for a “stay” order and part of the lawsuit

Two of the three did receive a “stay” order meaning until the suit is resolved, or a higher court reverses the “stay” order, CMS cannot enact it.

·????? First “stay” was granted on fixed administration fees.? This was where the agents got hurt at the cost of NMO’s / FMO’s wanting the incredibly large administrative fees paid to them by the carriers over and above their override commissions.

·?????Second “stay” was granted on contract terms.? This was stating that no incentive can be given to an agent to steer a client to one plan or another.

·????? The third “stay” request was NOT granted.? It regarded consent requirement from consumers before their data could be sold to TPMO’s.?

I found this very curious because it actually backs what I told you about when I disclosed to you the privacy policy of these platforms.?

·????? From this lawsuit we now know that indeed the FMO’s and NMO’s were selling your client data to the open market.? CMS wants consent and the NMO’s & FMO’s are FIGHTING in court for the right to continue to do it without consent.

In short, this is why our Search & Save Medicare system & integrated CRM is so important for agents to have and use.

Think of the agents who have all their client data in these FMO / NMO systems.

?Not only is it being sold in the open market, but consider these questions

What if the lawsuit is lost??

What if the stay order gets reversed??

What if the stay order gets reversed during AEP??

Why are agents losing the extra commission on this deal this year?

Are these entities suing really have the agents best interest at heart now that you know they are selling your client data?

How many times have agents asked them if they are doing this and they denied it?? Now they are suiting for the right to continue to do it without consumer consent.

Why didn’t they ask you for consent??

As we told you all before....they didn't have to!

By using their system you agreed to their privacy policy giving them permission!

CMS will win the day on this and the agents need to prepare to protect themselves fast!

All they got here was less compensation and more time to get their client data in a safe space.?

Search & Save privacy policy states “We will never mine, sell, or share your client data with anyone ever!”

?Please go to the link below and learn more about our Search & Save Medicare system with integrated CRM and self service PURL technology to gather or update your clients information automatically saving you time!

Check us out at https://searchandsave.org