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ACA Privacy and Security Requirements for Agents

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Agility Agents, now you can find a comprehensive Q&A for all your questions regarding ACA Privacy and Security Requirements! This Q&A answers everything you need to know as an agent with questions regarding ACA, and all the ACA requirements for agents such as yourself. This Q&A includes information on consumer applications, national producer numbers, requirements for enrolling clients in marketplace coverage, security and compliance, and so much more! So be sure to read through for everything you need to know as an agent about ACA security requirements! Check out the Q&A list here… If you have any further questions or topics you want to explore as an Agility Agent, start exploring Enroll Insurance to learn more!

How can Agents confirm they have completed Marketplace registration and training?

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Here are a few solutions to some frequently asked questions by healthcare insurance agents like yourself.  Can I confirm that I've completed the training ? Yes, you can confirm your completion of the training by checking to see your NPN (National Producer Number). What is my FFM ID and what do I do if I've forgotten it? Your FFM ID is your Federally Facillitated Marketplace ID you acquire when you first register an account on the Centers for Medicare and Medicaid Services Enterprise Portal. If you forgot this ID, you can visit the CMS Enterprise Portal , and proceed to enter your information on the Forgot User ID page. Once you’ve received notice that your information has been properly verified, you can proceed forward with recovery of your user ID.  How do I access the Marketplace Learning Management System ? To access the Marketplace Learning Management System (MLMS), you first need to visit the CMS Visitor Portal, using your FFM ID and password. If you haven’t already, you

Have you registered for UnitedHealthcare's Pack the Points bonus?

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UnitedHealthcare just made it possible for you to “Pack the Points” and become a qualifier when you earn a certain number of points between August 1, 2022 and January 30, 2023.  You could qualify for a trip for TWO if you earn points for select products that total at least 500 points. You also need to be a top qualifier in your qualifying group. Check out the program rules below for more details to get started! Also, be sure to download the PDF about this incentive here!  Submit eligible applications between August 1, 2022 and January 30, 2023, and earn assigned points when products are issued by February 10, 2023, and meet placed requirements (see program rules below for details). Pack the Points When you Bundle!  Check out these example bundles that may be ideal to meet your client’s needs: Product availability and designs vary by state. Note, some states limit the sale of non-ACA plans (including ancillary) during Open Enrollment. Check E-Store for product availability by state. PR

Friday Health Plans Announces their 2023 ACA Bonus

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 2023 Bonus Schedule! Earn up to an extra $40 per new enrolled member and up to an extra $15 for members that you keep on a Friday Health Plan in 2023.  The Friday Health Plan Bonus applies to all to on and off exchange ACA sales in the states of Colorado, Georgia, Nevada, North Carolina, and Oklahoma that are or were enrolled within the specified timeframes. See the full details of the bonus and take a look at a quick snapshot. Add your Friday Health Plans contracting if you don't have it already!

Agility offers compliant call recording for Medicare Sales with ConnectureDRX

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Agility now offers compliant call recording for Medicare sales using Connecture DRX! Now, you will be able to use agent call recording to improve your clients’ shopping experience and record plan comparisons, and record over-the-phone enrollment. As an agent, you have a couple of options available to choose from, thanks to ConnectureDRX. First, there’s Agent Call Recording for SHOPPING. This includes shopping recordings, as well as SOA, and recording for enrollment info for your clients. However, this option is limited to outbound calling.  Next, you could choose call recording for ENROLLMENT ONLY . With this option, you can choose between outbound and inbound calls. Or, you could choose both.  Once you choose one of these options and make a call with a customer, and after the call is finished, the recording of this call can be found in the member profile for ADMIN users to access or review freely.  The process for recording calls is pretty seamless. Check it out below. Stay compliant

Life Insurance 101

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With the Open Enrollment Period here already, it is crucial to educate your customers on the types of insurance out there on the market. Specifically, life insurance. For many consumers, life insurance can be a mysterious concept. But if you present a clear-cut idea of what life insurance is, then it becomes much more accessible. So, without further ado, read on to learn what questions folks are asking about life insurance, so you know what questions to address when selling policies. What is life insurance? Your client may be unsure of what life insurance is exactly. Here’s a quick way to summarize life insurance for your next phone call with a client: Life insurance is an insurance policy that pays out a set sum of money either immediately after a person dies or a short period after that person’s death. This money usually goes to the spouse and/or children of the deceased individual. So, life insurance is essentially coverage for those left behind following the death of the policyhold

Earn a Trip for Your UnitedHealthcare ACA Sales!

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On top of the  original UnitedHealthcare new member and retention bonus , now you can earn a trip to Mexico! Enroll a minimum of 100 commission-eligible accepted and effectuated enrollments in UnitedHealthcare individual and family plans and you'll be on your way to earning a trip to Mexico.  You must also retain 65% of any existing UnitedHealthcare business that you may have on the books. This trip will be awarded to the top 30 qualifies nationally that achieve the most qualifying enrollments.  See the full details and good luck! Add your agent contracting for UnitedHealthcare ACA plans today if you haven't already.

Announcing the 2023 Individual & Family Markets Bonus for Blue Cross and Blue Shield of Texas

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 Blue Cross and Blue Shield of Texas announces the 2023 ACA Bonus Program! Blue Cross and Blue Shield of Texas is launching their 2023 ACA bonus program.  The bonus is on a tiered schedule based on the agent's production level.  To be eligible, agents must sell a minimum of 25 new qualified plans.  The more you sell - the more you can earn. Earn up to an extra $100 per policy sold. Review all of the bonus details and add your Blue Cross and Blue Shield of Texas contracting if you haven't already.

Ambetter Announces Their 2023 ACA Bonus Program!

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 Ambetter contracted agents can earn a bonus of up to $100 per new member enrolled in January 1, 2023 and February 1, 2023 effective dates.  Both your on-exchange and off-exchange enrollment are eligible. Keep in mind that Ambetter is expanding into 87 new counties in 12 of their existing states and also expanding into the state of Alabama. See the full details of the bonus here .   Not yet contracted with Ambetter to offer ACA plans?  Add your Ambetter Agent Contracting today!

Cigna Supplemental WINCENTIVE bonus extended!

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It's Open (Enrollment) season, and Cigna just extended a supplemental WINCENTIVE bonus for all the Cigna agents here at Agility.  What does this mean? It means you will have even more time to earn Cigna's $100 bonus in addition to your commissions.  Here are the guidelines for this bonus extension!  1. All marketing lead opportunities are subject to your state’s regulations. Lead credits will expire 60 days from date of issue.  2. Cigna Supplemental Benefits will provide automated reporting on a monthly basis.  3. All qualifying applications must be signed during the program period to count toward the marketing incentive program. Policies must be received by the eighth day of each month following the close of the previous program month. For example, the first program period will run January 1 through January 31, 2022 and all policies must be signed by January 31, 2022 and received by February 8, 2022, to count for the January program month.  4. All qualifying business must eith

5 Social Media Content Ideas for Open Enrollment 2023

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By: Michelle M. Saavedra The wait is finally over... Open Enrollment 2023 season is now LIVE! Thousands of insurance  agents are now flooding their own social media pages with constant messages and posts. Should  you be doing the same? Agility Agents are aware that quantity it’s not the same as quality. According to  PepperContent , “content that drives traffic and eventually sells is quality content”.  But other online sources could also debate that quantity beats quality when creating content for  social media platforms like TikTok. We believe that a predetermined content calendar plan combined with social media ads will help  you reach the audience you’ve been dreaming about. Especially now that there’s so much noise  online, only insurance agents that can create outstanding content will be able to outshine their  direct competitors. To get you started on your content creation journey, we invite you to recreate  the following 5 content pieces for the month of November. 1) Person

UnitedHealthcare Announces 2023 ACA Bonus Program

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UnitedHealthcare has announced their 2023 ACA new member and retention bonus program.  This bonus will apply to all new sales and renewals of UnitedHealthcare Individual and Family Exchange plans that are effective in 2023.  Take a look at how much you can earn! Add your UnitedHealthcare ACA contracting today! Program details: Bonus Program applies to sales of  UnitedHealthcare  Individual and Family Plans in AL, AZ, CO, FL, GA, IL, KS, LA, MD, MI, MO, MS, NC, OH, OK, TN, TX, VA, WA with Jan. 1, 2023, through Dec. 1, 2023, effective dates Retention Program applies to membership enrolled in a  UnitedHealthcare  Individual and Family Plan in AL, AZ, CO, FL, GA, IL, LA, MD, MI, NC, OK, TN, TX, VA, WA as of Dec. 31, 2022, who remain enrolled through March 1, 2023 All payment amounts listed above are a one-time bonus payment per effectuated member in the program year All Bonus Program payments will be calculated each quarter by the total number of  UnitedHealthcare  Individual and Family P

IRS makes ruling on the "Family Glitch"

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  On October 11, 2022, the Internal Revenue Services made a final ruling regarding health insurance for families regarding the "Family Glitch". The IRS ruled that starting in 2023, affordability of insurance for family members by an employee-sponsored plan will be determined by the family's premium, rather than the employee's coverage cost.  What is the "Family Glitch". The "Family Glitch" refers to a section of the Affordable Care Act (ACA) that would not allow families to utilize premium tax credits and cost sharing subsidies to help lower their insurance premiums.  Currently, spouses and/or children that are on an employer sponsored health plan do not qualify for subsidies on the health insurance marketplace if that coverage is deemed affordable for the employee, regardless of the cost of coverage for the spouse and/or dependents.  Many of these families would have qualified for premium tax credits and cost sharing reductions based on the family

Cigna announces new 2023 ACA Broker Bonus Schedule

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Cigna just released a new Broker Bonus Schedule. You will be eligible for this new plan if you are contracted with Cigna and eligible for these broker bonuses. The program rules are as follows: Bonus is based on new sales submitted during Open Enrollment, 11/1/2022–1/15/2023; customers with a 1/1/2023 effective date must make initial payment prior to 1/31/2023 and customers with a 2/1/2023 effective date must make initial payment prior to 2/28/2023 qualify.  Bonus program is based on number of members submitted. Enrollments on each of the two bonus programs will be aggregated separately. Member counts will be capped at six members per policy.  2023 Open Enrollment policies must be in effect and paid for a minimum of three months in order to be paid the one-time bonus payment: 3/31/2023 for 1/1/2023 effectives and 4/29/2023 for 2/1/2023 effectives.  Eligible products include all IFP medical products in AZ, CO, FL, GA, IN, MS, NC, SC, TN, TX and VA.  Cigna will offset any overpayment ag

Aetna CVS Health Announces 2023 ACA Bonus Program!

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Aetna CVS Health just announced their 2023 ACA Bonus program for Individual and Family plans! Earn up to an extra $75 per new member you enroll. Plus, jumpstart your earnings! Earn an extra $50 per enrolled member in a Silver plan and $5 per member in a Gold or Bronze plan. To see more on the jumpstart program and bonus eligibility guidelines, review the full details here . Add your Aetna CVS contracting today ! 

Aetna announces 2023 ACA commission

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  Aetna just announced the ACA broker commission schedule for 2023. This commission schedule applies to the Aetna CVS Health Family of companies. This schedule also only applies only to new sales that transact on or after January 1, 2023.  Add your Aetna CVS contracting today!

Friday Health Plans Announcement

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  Friday Health Plans announced the decision to not offer services found in the Texas Health Insurance Exchange for 2023.  With open enrollment rapidly approaching, start planning to enroll all of your Friday Health members into alternate plans for 2023 health coverage.  Friday Health Plans added to their statement that they do intend to eventually offer on-exchange health plans for Texas in 2024. Friday does plan to continue to offer services for both the on and off exchange markets in Colorado, Georgia, Nevada, North Carolina, and Oklahoma in 2023. Reach out to Friday broker support if you have any questions regarding this change.  Don’t forget to check out all ACA contracting available to you.

Announcements regarding star ratings for Medicare plans

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Medicare Part D Star Ratings have been released for 2023 by the Centers for Medicare and Medicaid Services.  57 of the plans earned 5 stars, but this shows a huge drop since last year, which was 74 five stars plans.  This year, 67 contracts earned 4.5 stars, but this is lower than last year by 96! 136 of these contracts earned 4 stars, whereas last year 152 contracts earned four stars. 116 earned 3.5 stars; last year, 122 earned 3.5 stars.  Finally, only 90 earned three stars, but this is a 25 increase from last year.  Kaiser Foundation Health Plans and UnitedHealth Group led in earning five stars. 5 of Kaiser's plans earned five stars, while 9 plans by UnitedHealth Group earned five stars. Humana and Highmark also boast several plans that earned five stars. These star ratings are annually announced, used to gauge the experiences of those using these companies to enroll in healthcare insurance.  Those using Medicare can use this rating system to determine which plan is best, and w

Updates to Cigna Broker Portal

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Cigna's Broker Portal received a few updates. New integrations, intuitive navigation, and other capabilities are now at your fingertips. Moreover, multiple Cigna brokers across various business industries can now use an efficient interface for a seamless experience.  Thank you, Agility Agents, for your continued patience with the Cigna Broker Portal and for sitting tight while the portal improves and updates. If you need support during this update, contact your broker team as listed below: Commercial:  CignaConsultantAccess@Cigna.com Individual & Family Plans:  877.244.6215 Medicare Advantage:  866.442.7516 Supplemental Benefits:  877.454.0923

Bright Health Group Plans Changes for 2023

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  Today, Bright Health Group announced that it will no longer offer Individual and Family Plans through Bright HealthCare, or Medicare Advantage except for in Florida and California, starting in 2023. However, Bright Health Group will exclusively focus on making healthcare accessible to the elderly and lower-income populations. Bright Health hopes to accomplish this using its Fully Aligned Care Model in select states, such as Florida, Texas, and California. “We have demonstrated the power of the Fully Aligned Care Model in serving aging and underserved populations and progressed the marketplace towards seeing the promise in value-based care across all populations,” Mike Mikan says, President and CEO of Bright Health Group. “The changes announced today give Bright Health a strong and stable platform for profitable growth at much lower risk. This is one more strategic step to building a differentiated and profitable business at scale.” Bright Healthcare does intend to serve members affe