2010 AEP Humana Plans

[ILUVSAILZ]

In Colorado a large number of counties under UHC were cited as non commissioned production following September 1st and was wondering if anyone knows anything regarding Humana plans? Something's up with so many agents (internal) being let go and fewer MECA opportunities.

Here, the options for low income are more limited than ever.

 

[GreenSky]

I can't address Colorado but I do find it interesting that UHC has made many areas non-commissionable, primarily for their dual products. My understanding was that they companies receive additional revenue which should offset any potential usage issues.

I remember a few years ago Pyramid did the same for most of the areas I sold in California on their PFFS plans. This has still left me with such a bad taste in my mouth that I don't even think of them as being a viable option any longer.

This is much like a physican saying they don't like HMOs because they lose money on patients that are high utilizers. They forget the 95% of patients they don't see but receive monthly capitation.

Rick

 

[dlvhi]

In Colorado a large number of counties under UHC were cited as non commissioned production following September 1st and was wondering if anyone knows anything regarding Humana plans? Something's up with so many agents (internal) being let go and fewer MECA opportunities.

Here, the options for low income are more limited than ever.

I would appreciate it if you could confirm what non commissioned production means. It sounds like that even if you sign somebody up, they don't pay a commission, but that doesn't seem to make sense (for the agent).

I would a appreciate a little more info.

Thanks.

 

[GreenSky]

I would appreciate it if you could confirm what non commissioned production means. It sounds like that even if you sign somebody up, they don't pay a commission, but that doesn't seem to make sense (for the agent).

I would a appreciate a little more info.

Thanks.

That's what it means and it's a way companies can legally redline.

Rick

 

[jdeasy]

I would appreciate it if you could confirm what non commissioned production means. It sounds like that even if you sign somebody up, they don't pay a commission, but that doesn't seem to make sense (for the agent).

I would a appreciate a little more info.

Thanks.

That's exactly what it means. If you enroll someone in a non commissioned area, you don't get paid.

Rick already mentioned about Pyramid. They didn't have any non commissioned areas here, but, they did have 50% and 75% reduction areas here. If you enrolled someone in those areas, you were paid only 50% or 25% of normal commissions. It also applied to your renewals in those areas. I was dumb enough starting out to enroll a lot of people in a 50% reduction area near me. I did it because my manager was paying me the other 50%. I didn't look at it long term. I'm now getting 50% renewals on those enrollments from '06 and '07. By mid '07 I had wised up a bit and quit writing those areas.

 

[ILUVSAILZ]

Thanks- So it appears no one has info yet on Humana? It's going to be hard for Humana to overcome the Glenn Beck remarks regarding them being crooks- (none of the MA's have sterling service records) but UHC latest amendment re non commissioned areas is a new low and piques my curiosity for new product by old carriers. I'm thinking it's a good time to shift to FE exclusively.

 

[wehotex]

Thanks- So it appears no one has info yet on Humana? It's going to be hard for Humana to overcome the Glenn Beck remarks regarding them being crooks- (none of the MA's have sterling service records) but UHC latest amendment re non commissioned areas is a new low and piques my curiosity for new product by old carriers. I'm thinking it's a good time to shift to FE exclusively.

I've NEVER heard of a non-commissioned area before.

 

[ILUVSAILZ]

I've NEVER heard of a non-commissioned area before.

If you are new to the language- it's an email sent maybe a week ago as a contract amendment. It is essentially a new verbage for leaving area in the dust due to reimbursements.

If you are one of those agents with a big heart proceeding with enrollments under SEP or whatever following September 1, you will not likely be paid in the area cited, and you may also acquire the imnpossible task of administrator. Think- providers don't have to comply contractually and carriers don't want new business there so 'who' is your go to for client services? It's draining and you inevitably burn bridges along the way while trying to help.

 

[Bob_The_Insurance_Guy]

Unless I am so far out in left field I'm playing football, these areas are where the lower income beneficiaries are, correct?

If that is the case, then one is to assume that these are dual eligible products - primarily. While I don't mean to pass any judgment on low income members, if they are paying next to nothing for their plans, then why should a rep be reimbursed the same as they would for a regular Medicare Supplement or Medicare Advantage Plan.

Yes, you wind up spending the same, if not more, time with these folks; however, you can always choose to NOT work that part of the market.

 

[jdeasy]

Unless I am so far out in left field I'm playing football, these areas are where the lower income beneficiaries are, correct?

If that is the case, then one is to assume that these are dual eligible products - primarily. While I don't mean to pass any judgment on low income members, if they are paying next to nothing for their plans, then why should a rep be reimbursed the same as they would for a regular Medicare Supplement or Medicare Advantage Plan.

Yes, you wind up spending the same, if not more, time with these folks; however, you can always choose to NOT work that part of the market.

Yes, you are in left field. These areas are not neccesarily in low income areas. In fact, the 50% reduction county near me is the most affluent county in the region. They have state of the art medical facilities and they don't even plans to duals.

It has nothing to do with income, except for the compnay, that is.