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!

Agility Producer Support
(866) 590-9771

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 will need to set up multi-factor authentication and navigate to the “My Portal” page. Select the tile called “Marketplace Training – Agent Broker”. Then select the MLMS training link. Now, the MLMS profile page should appear and you can enter your professional contact information here. Once you’ve saved that info, you will be taken to the MLMS training page. 

With this information, you can now proceed to access the Marketplace Learning Management System or navigate to recover your FFM ID. If you have any further questions, check out Agility’s ACA resources page

Agility Producer Support
(866) 590-9771

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.

PROGRAM RULES: To be eligible, the following requirements and conditions must be met and registration for this incentive is an acknowledgment and agreement to of all terms. 

1. Broker Eligibility Requirements. This opportunity is intended for the original recipient of this email only. NPN: %%NPN%%. Select Key and FMO contracted agencies may not be eligible. Eligible recipient of this email must register for the “Pack the Points” awards trip to participate. Registration must occur no later than Dec. 31, 2022. To maintain eligibility, registered broker must earn a point total of no less than a minimum of 500 points by the trip determination date of February 28, 2023. Points per product are awarded as noted above in the chart. Product eligibility detail is provided below. Qualification and points are earned per the broker of record, based on his or her personal production. Additionally, the trip award is earned by at least the top 30 point-earners of those who meet and/or exceed the minimum point threshold. There are limitations within the top point earners: Eligible participating agencies will be limited to a maximum of 3 trip-earners per agency, within the top qualifiers. If an agency has more than 3 sub-producers in the top qualifiers, only the top 3 will be offered the earned trip. The list of qualifiers will be extended to offer the trip to the next eligible highest point earner(s) so all trip spots are filled. This includes reserving at least 3 spots for independent brokers (non-agency affiliated). Any broker registered for this program must have an active contract with Golden Rule Insurance Company and be in good standing at the time of determination to also be eligible to earn the trip. 

2. Product Eligibility Requirements. Eligible product applications are those submitted online from August 1, 2022 through January 30, 2023 and are for the following eligible products: TriTerm Medical (all plans), Short Term Medical (all plans with term lengths of 6 months or greater), Health ProtectorGuard, Hospital SafeGuard G.I., HPG Guard plans, Accident ExpressGuard, Accident ProGuard, Accident ProGap, Critical Illness, Hospital Guard G.I., and New Benefits. Excluding Short Term Medical plans with term length of less than 6 months/180 days. Any Short Term Medical consecutive plans, e.g. 2×12, will only have the first term count toward the program baseline and eligible applications. All other products and optional benefit riders do not count toward this opportunity. Applications that meet the following criteria will apply toward the points earned for eligibility of the trip incentive: 

(a) Applications from one of the eligible products listed above only; 

(b) Submitted between Aug. 1 2022 – Jan. 30, 2023 and issued no later than February 10, 2023; 

(c) with a “paid to” date past the effective date; and 

(d) an effective date no later than February 15, 2023. All eligible plans must be in force for a minimum of one month (30 days) after the effective date to count as “issued.” Coverage must be in force with premium payment current at the time of the incentive determination to be included. Any separate applications of family members for the same product type count as only one application for this program (with the exception of TriTerm Medical for the state of MO). 

3. Trip is awarded as described above. This is not a lottery or a sweepstakes. 

4. Golden Rule Insurance Company reserves the right to make final judgment on qualifiers, modify terms or end this program at any time without prior notification. Coverage that is withdrawn or does not meet the terms listed in these rules will not count toward the eligibility of this program. 

5. Qualifiers extended an invitation, along with their guest, will be expected to act professional and with decorum during all aspects of the trip, including travel. This means also abiding by any policies related to travel as required by UnitedHealthcare. If an attendee is found to be unruly in any capacity or not in compliance with requirements, Golden Rule Insurance Company reserves the right to charge the attendee(s) for their portion of the trip, including all room, board, and travel expenses. 

6. Any required disclosures to broker’s clients are the broker’s sole responsibility. A bonus is considered indirect compensation and will be reported as appropriate under the Consolidated Appropriations Act, 2021.

 7. A trip is taxable income and will be reported on an IRS MISC 1099

Agility Producer Support
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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 Producer Support
(866) 590-9771

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.

  1. 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. 

  2. 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 using the call recording function available with ConnectureDRX through Agility!

Agility Producer Support
(866) 590-9771

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 policyholder.

The difference between permanent and term life insurance?

Many people don’t realize that there are actually two types of life insurance. Make sure to educate your clients on the two different types of life insurance: permanent life insurance and term life insurance.

How much coverage do your clients need?

You should emphasize to clients that they should get a life insurance rate that is 6 to 12 times their annual salary amount. For example, if your client makes $50,000 a year, then they should choose a life insurance rate of $500,000.

What does life insurance cost for your clients?

Explain that usually, life insurance costs between $26 to $55. Permanent life insurance tends to cost more than term life insurance since it usually means rates that are 10 to 12 times your annual salary. Meanwhile, term insurance covers about 10 to 20 years of life. Permanent life insurance means also getting a cash value that increases over time, whereas term life insurance is only for a short period of time.

Are you ready to start connecting clients with the right life insurance plan?

Explore the rest of Agility’s website to find more resources as an agent!

Agility Producer Support
(866) 590-9771

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.

Agility Producer Support
(866) 590-9771

 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.

Agility Producer Support
(866) 590-9771

 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!

Agility Producer Support
(866) 590-9771

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 either have a minimum issued annualized premium of $360, or the sum of two policies written on a single insured must be equal to or greater than $360. 

5. Eligibility will be determined approximately 30 days after the program end date. Business must effectuate in order to qualify and must be active at the time of payment. 

6. Policies must have premiums drafted to pay an incentive. 

7. Policies that cancel before their effective date or within the first month after their effective date will have their incentive charged back. 

8. Chargebacks will be taken from future incentive payments and/or from qualifying commissions. 

9. Qualifying Cigna Supplemental products include Medicare Supplement, insured by Loyal American Life Insurance Company (LOYAL), American Retirement Life Insurance Company (ARLIC),
Cigna Health and Life Insurance Company (CHLIC) and Cigna National Health and Life Insurance Company (CNHIC). 

10. Qualifying Cigna Supplemental Health products include Flexible Choice Cancer and Heart Attack & Stroke, Cancer Treatment, Flexible Choice Hospital Indemnity and Accident Treatment,
insured by Loyal American Life Insurance Company (LOYAL) and Flexible Choice Dental, Vision & Hearing, insured by Loyal American Life Insurance Company (LOYAL). 

11. Marketing incentive payments are made payable to the producer or agency that receives standard commission payments. 

12. Lead mailers will be provided through a Cigna-approved lead vendor.

13. Production numbers shown in other sources may include production with other products that do not count toward this marketing program qualification. 

14. To qualify for this marketing incentive program, an agent’s in-force policyholder block for all submitted business, in the past 13 months, must maintain: (i) a 78% retention rate or
higher, and (ii) the company’s average placement levels. 

15. Cigna Supplemental Benefits and its affiliates hold no liability during the program. 

16. Any application that is counted for the marketing incentive program detailed in this flyer will not be eligible to qualify for any other incentive program offered by Cigna. 

17. We reserve the right to revise program rules at any time without notice, and also reserve the right to terminate the program. 

18. We will make all determinations regarding the program including, but not limited to, whether an agent is qualified. Our decisions will be final and conclusive. 

19. Replacements do not count toward qualifications. 

20. Your marketing incentive payout amount will count toward earnings and will be taxed accordingly. 

21. Business written on self or immediate family members does not count toward qualification. 

22. To qualify for this program, an agent must be in good standing with Cigna Supplemental Benefits and not violate the terms of the Agent Agreement. 

23. Nothing herein is to be interpreted as a desire not to receive applications for Medicare Supplement policies from consumers desiring coverage without underwriting. 

24. Incentive payments are subject to an agent’s upline’s bonus program structure, if applicable.

Check out this document for even more details about Cigna’s WINCENTIVE.

Are you contracted with Cigna yet? If not, get started today.

Agility Producer Support
(866) 590-9771