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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

  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 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 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 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 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.

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

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

  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

  Southwestern Health Resources announces their plan to remain with BCBSTX Networks. BCBSTX Networks worked with Southwestern Health Resources (SWHR) to reach an agreement both parties are comfortable with. Moreover,  Texas Health Resources (THR) and UT Southwestern (UTSW) services  will remain with BCBSTX networks. Those members who changed their PCPs during the negotiation period and would like to change back to their SWHR PCP can use Blue Access for Members SM . BCBSTX shares the following steps to change back to SWHR PCP : Register for or log in to  Blue Access for Members   Click the Doctors & Hospitals Tab Select option  Change Primary Care Physicians Review the doctor listed as your PCP Choose a different PCP if you wish to You can search in-network doctors on  Provider Finder ®  at bcbstx.com If you have any questions, contact your Blue Cross and Blue Shield of Texas (BCBSTX) representative.

Cigna just announced their 2023 ACA commission schedule! Take a look for yourself below. Medical Insurance Commissions   Medical commissions apply to all metal levels and plans sold on or off Marketplace. Sales made during an Open Enrollment or a Special Enrollment Period are eligible. Medical commissions will be paid for up to four children on the plan. Advancing is not available. 2023 medical commissions for applications one to four will be paid $0 PMPM until the agent or agency reaches five medical applications. At that time, any new medical sales commissions due will be paid, starting from the first 2023 application. Please be advised eligible producers will be paid commission for existing medical policies scheduled to renew 1/1/2023 under this 2023 commission schedule. Commissions will be paid on posted premiums applied to the agent’s or agency’s clients’ eligible cases.   Dental Insurance Commissions The dental commission structure pertains to business with effective dates of 1/1

  Medicare just made a big announcement regarding their Part B Premiums for 2023.  These standard premiums will drop by 3% next year. The monthly premium for Medicare Part B will reduce by $5.20 by 2023. This will also lower the deductible for Part B.  The government made this announcement on Tuesday, September 27. Here's more info about this incentive to share with your customers: Thanks to Medicare Part B's projected spending on Aduhelm , a medication to battle the onslaught of Alzheimer's, the premium for this program dropped more than expected. Medicare spent less than expected on Aduhelm, meaning they could spend more on Part B, which in turn led to a reduction in 2023 premiums.  Medicare Part A, on the other hand, raised its deductible per benefit period, which starts upon admission to a hospital, to $1,600 in 2023, from its current amount of $1,556. This amount applies to the first 60 days of inpatient hospital care.  After the 61st day and through the 90th day, how

Another reason to look forward to January if you are enrolled with D-SNP and C-SNP?  Starting in January 2023, effective with AEP, you can begin to earn $125 whenever you enroll your Cigna Medicare Customers in any eligible Medicare D-SNP or C-SNP plan.  You will also need to facilitate an HRA, or health risk assessment, with Cigna's Value Based Enrollment program.  These are the following plans eligible for increased $125 HRA payment: All Dual Eligible Special Needs Plans (D-SNP) All Chronic Condition Special Needs Plans (C-SNP) Cigna True Choice Medicare or PPO, H7849-079, in Illinois counties of Cook, DeKalb, DuPage, Kane, Kankakee, Lake, McHenry, and Will. In addition to the payments of $125 for HRA enrollments in the above list of eligible plans, an additional $75 will be possible for each HRA you conduct with each Cigna Medicare Advantage customer. Here are some things to keep in mind:  These increased payments for D-SNP and C-SNP enrollments begin January 1, 2023. To qualify