Name: Beyond Open Enrollment: Exploring Medicare Plan Comparison Opportunities After AEP
Uploaded: 2025-11-11T19:16:05.325Z
Duration: 45 min 48 s
Description: Beyond Open Enrollment: Exploring Medicare Plan Comparison Opportunities After AEP

Transcript for "Beyond Open Enrollment: Exploring Medicare Plan Comparison Opportunities After AEP": Welcome to today's webinar hosted by AdventHealth. Our topic today is Beyond Open Enrollment, Exploring Medicare Plan Comparison Opportunities After AEP. Thanks for joining us today. Before we get started, I'd like to highlight a couple of housekeeping items. Please type your questions in the q and a tab to ask questions throughout the presentation. We'll be sure to answer your questions during the Q and A session towards the end of our time together. We are recording this webinar and will email the recording to all attendees. And now I'm delighted to introduce our speaker today. Marvin Guardado has worked with community pharmacies for over ten years. He started at AmpliCare in 2015 where he held several notable roles. Marvin currently heads Enliven Health solution sales and strategy team for our clinical solutions, including Match. He ensures customers are set up for success and contributes to the product roadmap by aligning market expectations with product capabilities. And without further delay, I'll hand it over to Marvin. Hey. Thanks, Nikki, and thanks everyone for joining us today. I'm glad you could take out of your time out of your day to just pop in for forty five minutes to an hour. And here's what we're gonna cover today, and there's really gonna be main three main areas that we'll focus on. First, we're gonna start with what we're seeing so far this AEP. We'll look at how carriers are realigning their strategies going into 2026, who's pulling back, who's growing, and what that means for both patients and pharmacies. Then we'll look at how to close AEP strong. We've got about three and a half weeks left, and this is time to focus on the right patients and make every interaction count. After that, we'll we'll look beyond AEP because December 7 isn't really the end of open enrollment. It's more of a holiday break. Starting January 1, there's another open enrollment period that runs through March 31, and there are several other opportunities throughout the year for different patient segments. We'll also then touch on how to build outreach campaigns using the tools available in Enliven Health match or whatever tools you already have in your pharmacy. And then we'll wrap up with a quick q and a at the end. So let's start with our mission real quick, which, in short, is to help and enable pharmacies to stay at the center of care, deliver more value, and get recognized for it. Everything we build and everything we do is designed to make that easier, giving pharmacies the tools to operate more efficiently, connect with patients in smarter ways, and ultimately get credit for the role you already play in improving patient outcomes. Now we've got a lot of exciting stuff coming in 2026 that really speaks to that mission, putting the pharmacy and patient relationship even more at the center of what we do because it's all about creating a unified patient experience that drives both outcomes and operational officials efficiency. So a lot to look forward to coming in the next few weeks, which you'll be hearing more about. So with that mission in mind, helping pharmacy stay at the center of care and continue to deliver more value, let's shift into what's happening in the Medicare landscape. And we've seen some big shifts heading into 2026. What we're seeing across carriers is a clear split in strategy. Some are chasing growth, while others are focusing more on specialization, and a few are tightening up to protect their margins. We've seen fewer plan choices this AEP, and not just consolidation, but intentional reshaping of the market. So major carriers carriers are either doubling down on specialization or trimming back to to, again, protect those margins. And, really, the only you know, if we start with Humana here, they they're really the only carrier that's betting on both scale and specialization at the same time. They added 48 Medicare Advantage Plans, which is a 10% increase, while most competitors are cutting back. They also led the market with 41 new special needs plans and 20 which is a 22% jump. Altogether, they're now operating over 500 Medicare Advantage Plans and over 200 special needs plans. So that shows a very aggressive approach and push to grow their footprint in a year when many others are pulling back. Next, you got CVS and Centene, and they're taking a a a different path, shifting their portfolios more towards specialization specialized populations. CVS cut 70 Medicare Advantage Plans, but added 30 new special needs plans. Centene dropped 30, 37 Medicare Advantage Plans and added 14 special needs plans. So both are moving away from general enrollment and focusing instead on condition specific care. So they're gonna be leveraging their integrated assets like pharmacies, PBMs, clinics to serve a more targeted, patient patient group. So it's a deliberate move from scale to to precision. And then we have UnitedHealth and and Elevance, formerly known as as Anthem. These carried carriers are focused more on margin discipline over market share. So United has trimmed back 61 Medicare Advantage Plans, but added seven special needs. So they added a bit there, but not as much as some of the others we mentioned, where ELEVANCE reduced 35 MAPDs, but added, again, a small number of three special needs plans, and they also pulled out of the PDP market altogether. So for this comp these companies, again, sustainability and profitability is their focus, not so much, expansion. So if we zoom out at the, bigger picture, it's, again, not just about consolidation, but the market is transforming. So Humana, you know, they think there's still a lot of growth potential in traditional MA. So given their scale and their capabilities, they're going all in on that for 2026. Again, CVS and Centene pivoting towards more special needs plans where they can use that vertical integration, that that they have available at their disposal, and then United and Eleventh's, you know, again, cutting cutting back. So the real impact on patients and pharmacies, is gonna be that two point six million people are gonna be losing coverage in 2026. So there are about 3,000 counties in The US. So on average, that's gonna be about 800 patients per county. Now, for example, I'm in Nassau County out here on Long Island. Twelve thousand patients are losing coverage into twenty twenty six. So to to make it easier to identify these patients, we created a detailed list of all the plans that are gonna be terminating in 2026. It's gonna be broken down by county. It's gonna include the number of patients impacted and list each plan's contract ID and plan benefit ID. So pharmacies can use that contract and plan and and contract ID and plan benefit ID to identify, those affected patients either in match or directly in the, pharmacy system. So for customers, that list is already already available in app. So you can go into log in to match, go to the resources page under industry education, and you'll see a spreadsheet that you can download. For anyone not yet using Match, our sales team can share that, list with you during a demo, which you can schedule at any point, during this demo and, schedule it for for later this week while we still have three weeks, ahead of AEP. So, you know, all these changes, they present the challenge and an opportunity for pharmacies. So this is the moment where, you know, you kinda wanna step back and help patients with navigating through these choices, guide them to a plan that ensures they're gonna have coverage in 2026 that includes the drugs that that they're taking at your pharmacy and the ones that reimburse the pharmacy better. So you wanna be proactive and strengthen those, patient relationships and protect your own margins, protect your own business like these carriers are doing, in the midst of this huge change that we're seeing going into 2026. So moving on to to PDPs, and the this side, the story is pretty similar. Right? There's gonna be more contraction, more polarization. Quite honestly, PDPs, it's a bit more dire. I mean, the stand alone PDP market is on life support right now. So if you look at the, if you look at these PDPs, these are the major PDPs across the country, you'll see the preferred status, of each PSAO and their average monthly premiums. So in many counties, there's really only two truly affordable PDP options that remain under $30 a month. That's mostly gonna be WellCare and Humana. But beyond that, the rest climbed pretty quickly. Many many are above $50 a month and then quite a few over a $100 a month. So it's becoming harder for patients to to justify these costs. Right? They're being smarter about the math now. They know they're gonna hit their out of pocket maximum, which is 2,100 in 2026. So they're asking, you know, why why should I pay more every month if the coverage is gonna be pretty similar? So that mindset so far has really kinda defined this AEP selection so far here in the first month. And, if we look at estimated reimbursement rates that we have programmed in the app, you know, we'll go down the list here. For AARP, we're calculating about AWP minus 19% on brands. For the Blue Cross Blue Shield Medicare Rx, it's around AWP minus, minus 24% for the Blue Cross Blue Shield of North Carolina. We're calculating them about AWP minus 21%. HealthSpring, which are the old Cigna plans, they're at AWP minus 24%, same as WellCare, which you'll see at the bottom of the list. They both roll up to that aggressive ESI Medicare network. Humana is about 21 and a half percent on brands, and SilverScript at AWP minus 22% on brands. So, you know, patients, a lot of them are gonna gravitate towards cheaper premium plans like WellCare, where that reimbursement tends to be the worst for the pharmacy. Unless you have LTC at home or you got you have rural contracts, that's gonna be an exception. For the most part, patients that are opting for these cheaper PDPs like WellCare are gonna be at a disservice to your bottom line going into 2026. So, you know, that's why it's gonna be important to look beyond the PDP side and consider some Medicare Advantage options. Because on the MA side, you're gonna see is a broader list of $0 premium plans, and many of them are gonna reimburse the pharmacies better. So instead of having only those two ARP PDPs in your area that reimburse at AWP minus 19%, you can find a dozen ARP or UnitedHealth Advantage Plans that offer similar, that that that are gonna offer similar coverage in terms of drug coverage, some additional benefits for the patient, and also provide them with the $0 premium that they're looking for. So $0 premium still, despite some of the headwinds for these carriers, is still a major draw for, these Medicare Advantage Plans. So, again, that's where looking at these Advantage Plans become more valuable because it's really where you can impact, your your bottom line and also, again, aligning something with the farm with the patient that's gonna lower their cost. And, you know, we know patients you know, Americans everywhere being, squeezed right now with inflation. So anywhere in which your pharmacy can step in, help save the money, align them with plans that are gonna cover their drugs, and are also gonna cover you on the reimbursement side is is gonna be, it's gonna be key. So, again, the markets have tightened, patients are more price sensitive, and pharmacies are navigating fewer, more polarized, options. But, you know, we still have three and a half weeks until the end of AP, and there's a lot we can do in that time. So I'm gonna go ahead and shift now towards closing out AP on a strong note. So, you know, we see how the market is shaping out to be in 2226 on the MA and the PDP side. But the discussion is, you know, again, what to do with the time that's left. So with the three and a half weeks left, the goal is to finish strong with deliberate outreach and targeting. So every patient conversation from from here on out should have a purpose. You're either protecting your margins, you're strengthening your relationships with patients, you're saving them money, you're setting up your pharmacy to a smoother start to 2026. So let's talk about what that looks like. You're gonna start with patients that are reimbursing your pharmacy poorly and putting your business at risk if the patient continues on this plan going into next year. So, again, if we look at some of those WellCare, those HealthSpring plans from the previous slide, a few others that we mentioned, they carry very aggressive reimbursements that, you know, we just went into. Those patients are the ones you wanna target first. So invite them into the pharmacy, come in for a quick comparison, and match them up with something that's gonna also save them money. If they're looking for a lower premium, you know, again, it's gonna be on the best interest to also consider advantage plans, where where, again, there's a wider, selection of those $0 premium plans that are also gonna reimburse the pharmacy better. Next is you wanna look at, any plans or carriers where your credentialed and contracted to build to the medical benefit. You know, we're seeing more pharmacies getting into this space, and pharmacies that are using our medical billing solution to bill advantage plans for MedSync and OTC consults. So if that's part of your business now or something you're looking to get into in 2026, you wanna think strategically about which plans your patients are enrolled in. So plan selection, it's gonna be directly impact your ability to, to to impact your, clinic billing opportunities going to next year. Another focus is gonna be LTC at home patients. So this has become a growing segment where pharmacies can be recognized for the services that they're already providing. So if you're, offering LTC at home care, review your patient list, identify who's on plans that don't recognize LTC at home. Currently, the, the the two major PBMs that that do support the LTC at home model are gonna be Optum and ESI. So, you know, unlike the typical strategy where you might avoid ESI Express Scripts plans, in this case, again, Express Scripts and Optum are the ones that actually have an opportunity for you. So finding those eligible patients who can move into one of those PBMs are gonna have a real impact on your 2026 revenue potential. And then you wanna look at your low income subsidy and dual eligible population. So about one in five Medicare patients also have Medicaid, and this group is, again, seeing significant growth in special needs plans as we saw from carriers a couple slides back. So, again, these special needs plans are gonna offer $0 premiums. They're gonna have richer benefits for the patient and OTC allowances that pharmacies can tap into. So if your pharmacy is contracted with some of these companies that process these cards, that are debit style, debit card like card, type of payment, this is gonna be, a way in which you can turn those monthly or quarterly stipends, whether that's a $100 a month or $300 a quarter into new front end revenue that is not gonna be touched by PBMs. So, again, the goal right now is be proactive and be strategic. Reach out to patients on poorly reimbursing plans. Engage those who might qualify for better options on, the advantage side and special needs plans. And, again, focus this period and then the other enrollment periods that we'll get into, these opportunities that align with your business strategy. So if that's clinical billing, LTC at home, growing front end revenue, there's a way you can incorporate plan selection into all those strategies. So, again, this last stretch, of AAP, it's where that focused effort is gonna translate into a stronger relationship with patients, better reimbursement, and a better start to 2026. So, again, while we're finishing up, AEP and we wanna finish strong, it's gonna be important to remember that Medicare conversations don't stop December 7. So there are gonna be several opportunity windows throughout the year where pharmacies can help patients, and continue with that, Medicare engagement throughout the year. So let's look and take a look at the enrollment opportunities outside of AEP. So these four periods, are gonna give pharmacies a way to stay engaged with patients all year round, not just in the fall. You You wanna start with the Medicare Advantage open enrollment period. So this runs throughout the first quarter of the year, January 1 to March 31. And during this time, patients who are already enrolled in a Medicare Advantage Plan can make a one time switch, whether that's to a different MA plan or back to original Medicare. So it's gonna be a critical window for for for pharmacies. And, you know, these few those first couple of months of the year is gonna be your chance to identify patients who either picked the wrong plan during AEP or didn't take any action at all. Right? So that includes some of the two point six million patients who are losing MA coverage in 2026. If they don't act before their seventh, they may walk into the pharmacy in January, and suddenly they can't fill their prescriptions. Right? Or, maybe they're they stayed on a plan that didn't terminate, but that plan changed their formulary. They didn't take any action during AAP. They're coming to fill in January, and that's not covered anymore. Or their co pay is going up. Right? They're going from co pay to coinsurance, and they have a, expensive brand drug that's gonna drive up that out of pocket cost. So this is gonna be the time where patients are gonna actually suffer the consequences of their inaction. Right? They're gonna see a higher cost. They're gonna see something not covered. They're gonna potentially see your pharmacy maybe out of network. So it's gonna be important these first three months of the year as patients are experiencing the pain of inaction to help them find, a a better option. And, you know, I've heard from brokers who who say that, you know, AAP, this this, you know, annual enrollment period win right now is, you know, of course, very, very busy. But they, over the years, haven't stressed as much during AAP because they know they have those extra three months to help patients to make the switch if they're if they either didn't do anything or they're not happy with their plan, in in January. So it really spreads the workout in the first quarter of the year, over a twelve week period. And, you know, if you think about it, it's gonna be a big opportunity. Right? Fifty four percent of Medicare beneficiaries are on an advantage plan, so more than half of your Medicare patients can have an extended open enrollment window in the first quarter of the year. The next one is gonna be the initial engagement, and sorry. Initial enrollment period, or engagement period. Right? So this is when patients are turning 65, and first become eligible for for Medicare. So it runs from three months before their 60 birthday, the month of their birthday, and three months after. So it's gonna be that seventh month window where they can select the plan for the first time. And if they don't select the plan within that seven month window and they don't have other, coverage, then they'll be assessed a late enrollment fee that is gonna be tacked on to their premium for the rest of their lives. So it's an inflection point for, patient retention because it's gonna be one of the most competitive times in in the market. You got brokers and carriers. They're all reaching out to these patients, sending them information, and trying to get them to sign up for for a plan. And when pharmacies aren't part of that conversation, that's when we see some retention issues. Right? Pharmacies, can again, I said it said it before. If you've opted out any plans, and you're doing direct contracting and a patient signs up for a plan you're not in network with, then, you know, you've potentially lost that that patient. And another example would be if they're left to their own devices or, again, they talk to someone else that's not affiliated with the pharmacy and they sign up for one of these plans, which, you know, we saw are reimbursing you that AWP minus 24% on on brands. So pharmacies can use our automated campaigns to make sure that you reach these patients as early as their 64 60 birthday to let them know that you can help, with their options because, someone's reaching out to them outside of your pharmacy well ahead of that, eligibility period or when that eligibility period does does start. So so, again, it's gonna be critical to, look at these plant patients as they approach 65 and help them with choosing plans that, again, are gonna align with your pharmacy's network and your financial model. Next is gonna be the special enrollment period or SCPs. So they're triggered by sir certain life events, things like losing coverage or moving to a new area, losing Medicaid eligibility, incarceration, or natural disasters. So these are open a short window for patients to make a change. And for pharmacies, they're, again, a great opportunity to reengage patients throughout the year, and it's usually, in this case, something you know, they're in a vulnerable position, and they certainly need the assistance from someone they can trust. And then we have the dual eligible and extra help patients. So these are gonna be some of your most dynamic patients. They can make coverage changes monthly, and that, provides flexibility. That means you don't have to wait until AEP next year, to adjust our coverage. So this group is gonna include patients that are on both Medicare and Medicaid, and, you know, again, we saw before special needs plans. There's dual special needs plans and chronic special needs plans, which, said it before, they often are gonna offer $0 premiums, richer benefits, and a monthly or quarterly OTC card stipends. So, you know, again, these OTC, like, we said it before in previous, webinars, had some guests to who have incorporated these cards into their workflow. But these OTC benefits can use can be used, right in your pharmacy, so it's gonna turn into real revenue if you're set up to accept these cards. So so, again, AAP is gonna be the main event. This is what we're on right now. But these enrollment windows are gonna keep your Medicare engagement alive all year round. So there's gonna be opportunities to protect your connect reconnect with your patients after December 7, protect your margins, and continue driving value, well into, January. So moving on, you know, we've talked about these different, enrollment periods that exist beyond AEP, but knowing about them is gonna be one, only part of the equation. The next step is gonna make sure your pharmacy has the right systems in place to reach those patients consistently and the way they wanna be reached. Right? Make it make sure it's it's gonna be effective. And we're developing that's where you're developing, strategic outreach systems. So, you know, when you're communicating with your, community, you wanna make sure your patients know that they can come to your pharmacy for plan reviews during AEP, but even after it it ends. You know, a lot of patients don't know or don't realize that AEP isn't the only time to to make changes. So you wanna start with word-of-mouth. Right? That's gonna be the best, most organic way. You know, you help a patient find the plan, saves them money, covers all their medications. They're gonna tell their friends. They're gonna tell their families that you were able to help them with that. And, again, that kind of organic awareness is really gonna go, a long way. And then, you wanna use text and phone campaigns to reach patients proactively. So you can target dual eligible patients. You can target, patients on Medicare Advantage Plans in the first quarter of the year, anyone that's approaching their 60 birthday. So the automated message is gonna remind them to review their options and that they can come into your pharmacy to do that throughout the year. So you can also add in store and digital touch points, put signage near your register or consultation area, include flyers, bag inserts with prescriptions, or handouts to print out automatically within your pharmacy system, hand that to a patient, and they can come in and make an appointment, or you can help them right then with a with a plan review, or even a a sidewalk sign that reminds patients that, you know, they can review your plans all year round. And, you know, regarding your digital presence, beyond that, really update your IVR greeting to include a quick message like, ask us about Medicare plan plan reviews available all year round. So add a banner or a button on your website that links to, our patient portal, which which I'll get into in the next slide, or a page that explains how you can help patients review coverage, throughout the year. So, again, the goal is gonna be simple. It's gonna be stay visible, stay available, keep the conversation, going. And, you know, patients who who know that you're there for them during a v AEP are more likely to turn to you when their coverage changes or, you know, when a family member, needs help. So once you built that awareness within your community and you started those conversations, the next step is gonna be to to making it easy for patients to take action, right, to come into your pharmacy, get that, face to face assistance, or, you know, for those patients who can't make it into the pharmacy, giving them a simple accessible way to review plans and compare plans from home can make a a huge difference. So, for, you know, for a lot of older adults, you know, if they have mobility challenges or, you know, getting to the pharmacy just isn't that easy, but they still want help reviewing their plan options, they can do that with, navigate my care. You can go to navigatemycare.com, and pharmacies can send patients a secure link that lets them review plan options that have already been prepared for them. Right? So you can start the process in match, save the comparison, and the patient can access that, from from navigate my care. So, again, this feature is gonna be, especially valuable for patients who, you know, they trust their pharmacy but prefer to handle themselves, prefer to handle things themselves, or, outside of regular business hours. So it's gonna be a good way for pharmacies to extend their reach. You know, you help family caregivers, patients who may live farther away but still rely on, you know, their local pharmacy for for for guidance. So, you know, again, rather than waiting for patients to come to you, gives them, a way to bring that help directly to to them. So when patients log in to Navigate My Care, they'll see all the drugs that they're filling at your pharmacy, without having to manually enter anything. They'll see a list of plans that are in network at that specific pharmacy, and they can compare, they can enroll, or they can connect with our broker partner, HP one, at any point in the process. And we actually we added a new feature to the portal, where it's a built in penalty calculator that automatically predicts, a patient's potential late enrollment penalty if they sign up outside, again, outside of that seventh month window, that we talked about when they first turn 65. So, you know, just small changes. You know, small addition is gonna make a big difference, in helping patients make more informed decisions or avoiding, unnecessary costs. So, you know, again, the takeaway here is navigate my care, the patient portal is gonna give you flexibility. It's a way to to help more patients, more easily, whether they're at the store or they wanna do that from their home, from their tablet, their computer, or their phone. Alright. So covered a lot there. And, we walked through, you know, the big big picture changes happening across Medicare. You know, how carriers are, repositioning themselves, what that means for pharmacies and patients. Again, it looks like a lot of them are cutting back on MA, but, growing into the special needs market. We also look at how to really focus your efforts here in these final few weeks of AEP and how to keep momentum going into next year. So you got a lot of opportunity between now and December 7. But, again, the good news is can't get to everyone by the seventh. You can start again on January 1. Still plenty of opportunity in the first quarter, especially again for those advanced patients on Medicare Advantage. So, you know, hopefully, this information, that we went through would helps you helps you feel more confident about how you approach these conversations, you know, both now and and and beyond AEP. And then on Friday, we're gonna be hosting a session called a perfect match. So we're gonna do a guided walk through, an enliven health match. We'll get into the application together. We'll do a quick demo, show you how to identify patients, communicate with them using our built in tools, compare and review plans, and walk through the full enrollment process from start to finish. So it's a great session. If you haven't seen a demo or it's been a while since your last one, make sure you sign up. If you haven't done that yet, you can use that scrolling link here to sign up. And, of course, if you want if that time doesn't work for you, you want something more personalized, you can always schedule a one on one demo with our sales team, and they can tailor it specific to to your store and see if you're a good fit for for match. So that is gonna bring us to our question slide. So, feel free to drop any questions in the chat, and I'll try to get through as many as I can. And then I'll go and look and see if we have anything here. Oh, shoot. We have quite a few. So let me start from the beginning. Akhil says, why are 2,600,000 losing coverage? So, a lot of Medicare Advantage carriers, as we saw, they're pulling back on their offerings. They're terminating plans. Right, so some of the hardest hit states, Minnesota is a big one. I think about a 190,000 Medicare Advantage patients are losing coverage, and it's mostly because of the UCare plan in that state, that's pulling out. So it's it's a realignment of carriers. Right? So instead of growing and just growing nonstop, they've, I guess, figured out that you also gotta start making money and some margins on on this business. And they've pulled back in some areas they found to be unprofitable. And in some other areas where they haven't pulled back, they're not paying brokers any commission at all. So while they may still offer plans in certain areas, the fact that even on a lot of advantage plans, they're not offering commission is they don't wanna entice more growth into those those plans or those markets. And that's why you're seeing you know, if any of you are brokers, if you just became a broker this year and you're just gonna do PDP enrollments, well, you're not getting any commission really set aside for, like, one or two plans. So, the timing isn't great there, but, you know, again, that's another signal that they wanna stay away from PDPs. So they're not offering any commission to brokers on the on that side, but it's really a key a realignment, right? They're seeing where they're losing money and they're pulling back and patients are unfortunately caught in the crosshairs. So we have another question. Can you customize my store with rural rates? Yes. Yes. So, yeah. So in one of the slides, I went through the reimbursement, calculations or the rates that we have programmed in the app. And we you know, it's a conflated average of some, information that's been put up there publicly on industry webinars or state, you know, association webinars, and we use a blended average of that. But, yeah, certainly, if you, have rural rates, then we're we'll you know, you're gonna have better rates than what we have in there by default, so we can apply those customizations, to your to your store. Alright. So Keel again says, I am new to Enliven Health Match. For patients who are dual eligible, do they have to pay higher premium with who who do they have to pay a higher premium with other plans other than WellCare? No. So it's a good question. So if you're dual if a patient's dual eligible, they do qualify for, $0 premiums as long as they sign up for a benchmark plan. Right? So in the application, you'll see plans that are, labeled benchmark, and these are gonna be good plans for, dual eligibles, you know, if they wanna stay on the PDP side. Now, the thing is that those vary by state, right? There's gonna be some state where there's only two, benchmark plans where other states may have six or seven, and what we've seen a lot last year is pharmacies, opting out of certain aggressive networks, and those networks could perhaps have had those benchmark plans, in that in that, again, in that network. So if a pharmacy you opted out of that, then potentially you don't have any benchmark plans to show that are in network at your pharmacy. But, back to the meatier question, no. Patients can still as long as you find a benchmark plan for them, if they wanna stay PDP, then, that's gonna be a $0 premium, $0 subsidy for dual eligible patients. Now if you don't accept any of the benchmark plans because you opted out of certain networks, or you find that the reimbursement on some of those benchmark plans aren't conducive to you growing your business, then that's where special needs plans, which are more tailored to, you know, dual eligible population are, expanding and carriers are growing into the space. So it's gonna be more offerings for them. And as I said before, a better opportunity for you to match those plans that are good for the patient, which ones that are gonna reimburse you better than than WellCare. So Joe Joe Schmo, will we get a copy of this webinar? Not with that fake name. No. We'll send you a recording, link within twenty four hours of the, end of this webinar. So Joel had a similar question about the recording that'll be sent to your email, about twenty four hours at the conclusion of the webinar. Let me see. Can dual eligible, Mariana said, can dual eligible patients, be enrolled in Medicare Advantage Plans? Yes. So, addressed it, partly before. So so so, yes, do eligible patients can sign up for Medicare Advantage Plans, and a lot of them do. Right? If you look at there's a convergence in terms of, who's signing up for PDPs. Because a lot of people that are on original Medicare and PDP, they also buy a supplement, right, to cover the 20% that Medicare doesn't cover. They pay for additional coverage. Now those premiums on the supplements can be very expensive, and in that scenario, they also have to add a PDP. So what we see is a convergence of higher income individuals that go original Medicare plus supplement plus PDP, and then others who can't afford those higher premiums that, want some vision, coverage, dental coverage, hearing coverage, signing up for the advantage plans because they have a $0 premium. And then if they're dual eligible, they qualify for these dual special needs plans, which have additional benefits, you know, richer coverage for this vulnerable population. So Addison says, also curious about the LTC, LTC at home options and which plans offer this. Also, are there key ones we should try to con to contract for with a width for better reimbursements. So yes. So the two major ones are gonna be ESI plans and Optum. So plans that use those PBMs are gonna be ones that recognize, LTC at home. So, you know, I do have some some contacts, at the the LTC at home network who could help you with, identifying if that indeed is an opportunity in your area at your pharmacy, and, they can help with contracting as well. But, yeah, once you're set up in that way, yeah, the what you wanna do is look at patients that aren't on those two PBMs. Right? If they're on Caremark, Humana, as an example, and you're looking at patients that you're providing these LTC at home services to, then identifying them with the BIN, PCN, and then, having them come into the pharmacy for a comparison. And you're likely to find something, on the ESI and, Optum plans that, are gonna provide, a lower out of pocket cost for the patient. So Kaye said, what are other pharmacies doing about not being able to save comparison due to the government shutdown? So good question. So, I think we all know about the government shut shutdown, and it ended. Glad. I had to travel in about a week and a half. So, glad it finally ended. But, also the public use file that cms releases every year at the start of, open enrollment or aep Was delayed up until late last week, Right? So, there was some, features that were limited in match to that, and one of them, I think, that Kaye is referring to is a safe comparison. So the team has processed the data, and we should have some, data in the app trickling in tomorrow. And this is one of the features that that was impacted, Kaye. So, so, yeah, you'll get some confirmation when that's good to go. We'll send an email to all our customers. But, you know, certainly a a good question and something that we've, monitored throughout the shutdown, and then now it's a pro it's just a a matter of processing that data and QA ing it and releasing it here this week. We have another call another question about calls and texts. Are calls and texts included? So yes. So if you're looking to communicate with patients about Medicare coverage or about match, you know, changing plans, doing comparisons, that type of communication is included in enliven health match. If you're doing trying to do outreach for refill reminders or birthday calls or text messages, then, that would be an additional solution that you can bundle in with match. Another question about plans. Recognize LTC at home. Again, the two major PBMs are gonna be national PBMs and be some smaller ones, which I think our our friends at LTC at home network could help identify, but the larger ones are gonna be ESI and Optum. What else do we have? Akhil, how do I schedule one on one demo? So, Akhil, if you're if you're not a customer, you can click get demo, right here on the, on your screen, and a salesperson will walk you through a personalized demo. If you're already a customer and looking for training, we hold weekly training webinars every, Wednesday at 2PM eastern. They're recorded. So if you log in to the app, you should see on the announcements page on the front page a link to the trainings. Alright. So if there aren't any other questions, I think we can go ahead and and wrap up here. So thank you all for for joining and for the work you're doing to help support, your patients through AEP. And, you know, we know this is a busy time of the year, so hopefully, you can also take advantage of the q one open enrollment, period and other opportunities to to work with patients throughout the year. So don't forget to sign up for our Friday session, the perfect match, a guided walk through of an live and health match, Friday afternoon. It'll be a great opportunity to see how everything we talked about comes into life in the platform. So thanks again, and we'll talk soon.