The Broker Bulletin

Broker Insights: Key Updates, Benefits & Compliance Reminders

As we continue supporting members through important healthcare decisions, staying informed is key. From enhanced benefit offerings to critical enrollment timelines and emerging security risks, this month’s updates are designed to help you guide members with confidence, clarity, and care.

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Coordinated Care with Community DualCare Aligned (HMO D-SNP)

When Members experience major life changes, they may qualify to enroll in Marketplace coverage outside of Open Enrollment. Helping them navigate Special Enrollment correctly ensures a smoother experience and protects against coverage gaps.

Key Broker Reminders:

Verify the qualifying life event before assisting with enrollment
Collect required documentation
Submit plan selections within the eligibility window (typically 60 days)
Review effective dates to help prevent interruptions in coverage

Common Qualifying Events Include: loss of coverage, marriage, birth or adoption, permanent move, household income changes.

Enrollment Considerations for Members Turning 65

Members approaching age 65 may soon become eligible for Medicare. Brokers can help ensure members understand their enrollment timelines and available coverage options to avoid delays or potential gaps in coverage.

Key Broker Reminders:

The Initial Enrollment Period (IEP) begins 3 months before a member’s 65th birthday, includes their birth month, and continues 3 months after.
Review whether the member currently has employer-sponsored coverage or other qualifying insurance.
Discuss plan options that may include $0 premiums, $0 copays, and $0 deductibles, depending on eligibility.
Encourage members to review their options early to ensure a smooth transition to Medicare coverage.

Early planning helps members avoid penalties and ensures continuity of care.

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Phishing Scam Targeting NIPR Users

NIPR has identified a phishing campaign targeting clients, licensing applicants, and administrators. These fraudulent emails may appear to come from trusted domains such as @nipr.com, @naic.org, or @stripe and often reference past due invoices. While they may look legitimate, these messages are not from NIPR and are intended to trick recipients into opening attachments, clicking malicious links, or submitting sensitive payment information.

Brokers are encouraged to remain vigilant and watch for these common red flags:

Generic greetings like “Dear Customer” instead of your name
Urgent or threatening language prompting immediate action
Spelling or grammar errors that seem unprofessional
Suspicious sender addresses that mimic legitimate domains
Unfamiliar links—hover over them to verify before clicking

If you receive a suspicious invoice or email claiming to be from NIPR, do not click links, download attachments, or submit any information.

Why Choose Community?

As a local nonprofit health plan, Community Health Choice gives you plenty of reasons to join our Community. From the benefits and special programs we offer to the way our Member Services team helps you make the most of them, Community is always working life forward for you and your family.

“Community Health Choice is always there to answer my questions and help me and my family with our medical needs. I truly appreciate and value their customer support and service.”
– Cecily
Member of Community Health Choice