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  • Bonus Programs and Structure

    Let's Talk Money

    Most companies have bonus programs to help you earn extra cash. Before you start planning your next trip to the Caribbean with all of this newly acquired money, make sure you check out the details of each program.

    THE FINE PRINT <—That’s what I am talking about. You need to pay attention to get paid. Make sure you are reading the fine print for each of these programs because you will notice that they differ from carrier to carrier. Policies will only count towards bonus qualification if they meet the requirements, such as the effective date of the policy, whether the policy is underwritten, or which plan it was. You must make sure you are reading the details.

    KEEP TRACK OF YOUR APPS!
    I cannot say this enough. You may have to submit a form to collect your extra bonus, and you will be out of luck if you were not keeping track. Even if you racked up thousands of dollars, it is your job to keep track of the apps you are submitting, so make sure you are doing so.

  • Get to Know Your Carriers

    We want you to take a moment and answer a couple questions. (We promise these are easy.)
    1. How many carriers are you appointed with?
    2. How many of their websites have you been to?

    The reason we ask is there is a whole network of information on those carrier websites.
    • Detailed information about their products
    • Live chat
    • Direct phone numbers for Agents Only
    • Material ordering (that sometimes goes straight to your house)
    • Promo ordering
    • Insurance Resources
    • Contact forms
    • Specials/prizes/events

    With AEP right around the corner we think it would be a great time for you to familiarize yourself with the companies that you are appointed with. By doing so, you have all the knowledge you need to give potential clients.

    Need some help finding your carrier website? Type the carrier name in the search bar of your preferred internet search engine and the carrier you are looking for should pop up on the top of your search.

    With that being said, we have another great reference for you to use:

    That’s right. Agent Pit Stop. Did you know that on our webpage you can:
    Click on the CLIENTS tab to see all your clients, plus you can see all upcoming birthdays. Making it easy for you to give them a phone call, send a card, or let them know of plans that may be more suitable to their health needs.

    Under the CONTRACTS tab you can see which documents we have on file and when they are expiring, plus you can request contracting information for carriers you may not be appointed with.

    The RATES tab has a search engine for you to use to better prepare you for your appointments. It helps your clients know the most updated rates that are available.

    The BILLING tab will show any balances you have with Van Berg.

    The COMMISSION STATEMENTS tab will show you exactly that. What date you were paid, the company/companies, and a file to download of the statement for that date.

    The SECURE EMAIL tab is for those who would like to sign up or log in to their secure email page.

    Last, but not least, the BLOG tab. Keep up to date with information about carriers, helpful tips, changes in insurance, and other information that may be pertain to the business.

    As always, if you cannot find what you are looking for here and still need additional help, we have several people in the office to help point you in the right direction. Please do not hesitate to call us at (800) 723-5228.

  • Can We Really Escape Aging?

    The only things certain in life are death and taxes, right? Maybe not the first one, according to some researchers. But how could this be possible?

    Preventing the degeneration that comes with age – For years the focus of research around increasing lifespans, and eventually avoiding death altogether, has been on preventing the degenerative effects of aging. As we get older, our bodies naturally become damaged and this is what leads to the negative effects of aging that present themselves in illness and eventual death. If we could prevent that cumulative damage, then longer lifespans would be possible, eventually even resulting in cheating death entirely. So far, unfortunately, this has shown only limited success.

    Repairing the degeneration that comes with age – Unlike trying to prevent what may be simply the inevitable result of aging, some researchers believe the key is to repair the damage. Cambridge gerentologist Aubrey de Grey, co-founder of the Strategies for Engineered Negligible Senescence Research Foundation, believes that the chances that the first person to escape the negative health effects of aging has already been born are “probably about 80 percent.” How would this be possible? De Grey and his colleagues believe they have found gene therapy treatments which could take, for example, “people aged 60, and rejuvenate them thoroughly enough so they won’t be biologically 60 again until they are chronologically 90.” Meanwhile, the technology would have had thirty years to advance even further, allowing even more advanced techniques to repair the damage when the time came.

    Digital consciousness – You could argue whether or not it counts as living, but technology may be advancing to the point that someday someone’s consciousness could be uploaded to a computer prior to their physical death, allowing them to mentally live on. According to Stephen Hawking, “the brain is like a program in the mind, which is like a computer, so it’s theoretically possible to copy the brain onto a computer and so provide a form of life after death.” This technology is further off than other options for extended longevity, but may prove the ultimate way to cheat death.

    As technology, both medical and otherwise, advances further, we may soon be approaching a time when the perils of old age are a thing of the past.

  • Quick tips for Submitting a Clean app and Avoiding Kickbacks

    Applications being rejected or kicked back can be frustrating and time consuming. You are not only setting aside time to figure out what plan works best for the client but to also meet with them and help fill out the application as needed. Don’t let your time or your client’s time be wasted because of little mistakes that could have been prevented by taking an extra minute to check over your work.

    Be Thorough – One of the biggest hold ups with processing can be that you’re missing the most basic information on an app. As an agent you are responsible for obtaining information such as a client’s name, phone number, address and Medicare ID and these are very important bits of info. However when you get into the groove of writing apps, especially in group settings or during the annual election period where the process comes at a faster pace, you may move right past a question without answering it. Always scrub your own app before submitting to check for these easy to fill questions.

    Make sure the plan selected actually works for your client – Sometimes a simple mistake of choosing the wrong plan can create a kickback. For instance Blue Shield of California only partially covers Contra Costa County and Care1st has a partial county in Alameda County. Knowing a plans coverage area and double checking zip codes is key to making sure you’re selecting the right plan for your client in situations such as those

    Other possible snags to watch out for are making sure you’ve selected the correct special election period (SEP), whether or not your client is dual eligible, or choosing a plan that helps with a specific health issue such as diabetes or a heart condition.

    Provide the Right Paper Work – At various times extra paper work is needed along with the client’s application. Think ahead and predict what documentation could be needed. For instance, in California, Medicare supplements being written on the birthday rule almost always require proof of prior plan. Having a copy of the client’s previous policy ID card and submitting it with the application could save you time from needing to do so later, while the application sits on hold. When writing an application that has an SEP it’s also very important to include the correct information on why it’s an SEP. If the client has recently moved to a new zip code or state where their plan no longer exists then include a letter from their policy’s provider showing they have moved out of the network.

    Paper work showing Power of Attorney (POA) is particularly important to point out because many agents often forget about including documentation for POA since it doesn’t frequently come up. Although there are a few companies that don’t require documentation, the majority of companies do, which is why it’s a good policy just to always include POA documentation.

    Don’t Dawdle with Corrections – If you do have an issue with an application (like you wrote down the Medicare ID incorrectly or have missing paper work, etc.) make sure to get it to the company ASAP. Providers offer a time frame to get corrections in before they reject applications. Once you miss a deadline it is rare that the company will open that application back up again. This leaves you either having to write an entirely new app if the election period is still open or, worst case scenario, it can leave your client without coverage.