changing products in same carrier commissions or no?!?!!

[honestagent]

Q. Do you know?

I don't.

Will this vary per carrier or general rule in health insurance industry?

If you have a client that has BCBS Medicare MAPD PFFS and you provide BCN HMO MAPD - will you be compensated for the sale?

For example:

BCBS will receive different funding for HMO product than PFFS product per member, which is why I am asking the question. (so i've heard..) I am wondering, because it does follow under the same umbrella of the same carrier (in this case BCBS), will we as agents receive compensation for it? Or no because it's within the same carrier BCBS?

Also is this a standard rule with all Carriers hosting MAPD? So another example would be: Mrs. Jones has Humana PFFS MAPD but would now like Humana's MAPD PPO product. Would we get compensated or no?

I am getting different answers from various sources so if somebody could please help this young gal out, I'd greatly appreciate it.

 

[senior-advisor-indiana]

I do not know for a fact but I would say there is no "new" commission". I will find out Nov 15th though.

 

[honestagent]

I do not know for a fact but I would say there is no "new" commission". I will find out Nov 15th though.

I know you're joking, right?!?!?!


I mean, this is the time you work so you don't have to for the other 7.5 months of the year! That's my goal too.... yeah right....

 

[senior-advisor-indiana]

No, I was not joking. I have to change a couple from pyramids value plan to thier premier plan. So I will find out then if I get paid.

 

[Cenla Agent]

Typically you will not be paid, but this depends on the carrier and also the situation, like when a change of service area is involved. When I was captive with Humana you'd get a different answer for this question every time you asked. I think the official policy was not to pay when the member was currently enrolled in a plan, but sometimes you got paid anyway with all of the confusion with the tons of enrollments that were coming in.

To offer some speculation, basically at this point I wouldn't expect any carrier to pay commissions to the agent in a situation where the member is already enrolled in an MA and the agent is switching them to another one. What it may accomplish with some carriers though is to make you the agent of record and entitle you to any renewals if you were not the original AOR.

 

[senior-advisor-indiana]

I am getting paid on some people that have deceased or dropped the PFFS policy. Its only on about 3 or 4 so its no big deal. HAHA.

 

[honestagent]

Cenla is correct; it will depend on carrier and with all of the confusion but mostly one won't. Senior: go for it! You may get paid; clients will still love you for it and maybe toss you a referral your way! I know a guy who will do this and already gleaned a few referrals out of it from switching them out of pffs bcbs to bcn hmo.

 

[maryjd123]

So was this question ever answered by the carrier? I know I cannot get a straight one

i have alot of people that are on advantra freedom 3 and have a coventry pdp -- i would like to switch them to advantra freedom 5 with a pdp included -- for inpatient hospitalization its better for the client per day..

or switch them to marquette national with ccrx altogether instead -- the plan looks good as well -- it all depends on what medication they are taking as to what plan will be better for them..

i do know that with advantra freedom i do not have to see them face to face and no verification calls as with marquette national is just the opposite.. i have alot of customers that i have signed up over the phone -- sight unseen...

So if anyone has the answers to this please post asap

 

[michellea]

When my fiance started with Secure Horizons he did get paid for a few. People that were on the MAPD and qualified for SNP he would switch. And yes he did get paid on them BUT the new contract had one line in it which led us to believe that it would no longer occur. Now we are in Mobile and I spoke with someone in the Birmingham office and their agents were NOT getting paid, so I guess it just depends on if it passes through or not.

 

[midwestbroker]

I know that Humana will now pay their agents for a plan to plan change, but that is for their captive agents.

Prior to that, when I was with the dark side (ie Humana) it was a crap shoot. Sometimes you got paid, sometimes you did not.

Most of the upper management there answered questions like politicians, they gave an answer that had no answer.