(Listed in alphabetical order, courtesy of Senior Marketing Specialists.) 

AOR

Agent Of Record 

BRC

Business Reply Card 

CMS

Centers for Medicare & Medicaid Services – The governing body over Medicare & Medicaid 

CRM

Client Relationship Manager – A client database program 

Dual Eligible 

A Medicare beneficiary who has both Medicare and Medicaid 

DVH

Dental, Vision, and Hearing plan 

FE

Final Expense coverage (life insurance) 

FMO

Field Marketing Organization 

Formulary

List of covered drugs 

GA

General Agent 

GI

Guaranteed Issue – No underwriting questions are considered for coverage 

HHC

Home Healthcare Plan 

HHS

Health & Human Services –Government Agency 

HIP 

Hospital Indemnity Plan 

HMO 

Health Maintenance Organization –Type of MA network 

Indemnity

Compensation up to the limiting amount of the insurance policy

LTC

Long Term Care plan policy 

MA

Medicare Advantage Plan –Medicare Part C 

MAPD

Medicare Advantage Plan with Prescription Drug Coverage –Medicare Part C 

MA-Only

Medical Advantage plan with no Part D (prescription) coverage 

Medigap

Another Term for Medicare Supplement 

MIB

Medical Information Bureau –Used by underwriting departments 

Original Medicare

Medicare Parts A + B 

PCP

Primary Care Physician 

PDP

Stand-Alone Prescription Drug Plan –Medicare Part D 

PFFS

Private Fee For Service –Type of MA network 

PPO

Preferred Provider Organization –Type of MA network 

POA

Power Of Attorney 

PTC

Permission To Contact form 

Snowbird

Common term for people who spend summer in one part of the country and winters in another –Residency is based on a 6+ month stay 

SNP

Special Needs Medicare Advantage Plan 

SOA

Scope Of Appointment Form –Used for Medicare Part C and D plans 

SOB

Summary Of Benefits 

SSA

Social Security Administration 

STC

Short Term Care plan policy 

T65

Turning 65 –Can be replaced with other numbers such as T67 or T70 –Typically used to identify marketing lists 

Tier Level

Classification of a drug relative to cost in the plan 

Is there a term you’re interested in learning or adding to this list? Let us know in the comments below. 

Join our team! If you are a Medicare agent and have questions about Sales or Medicare, call Arnie Fulmer at 702-820-3133. Arnie Fulmer is a Senior Market Advisor and the principal owner of Fulmer Insurance Group, a Medicare Brokerage Agency located in Las Vegas and licensed in multiple states. 

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