CMS Commission Change

[patch36]

Patchie
Sticking your nose in where it doesn't belong, again, maybe you can figure it out, newbie? I'm not going to hand you any info like your wife does all the time.

You are a rude obnoxious jerk. You will be back selling cars or vacuums in another year after the MA gravy train dries up. Why would you make disparaging remarks about me or my wife? Your intelligence is questionable and you really are an Azzbroker. Keep on flippin while the flippin is good. I am so sorry you are only getting a reduced commission and only half on top of that. Not.

Commissions actually did go up for us here in the KC area for what is hands down the best plan for our clients, the Coventry PPO. Last year it was a flat $400. This year it is $525/$260. As most of you can compute, if you sell age in and new to MA in a slightly higher pct than MA to MA flips, you will average more money than you did last year, PLUS the renewal rate is higher than it was in the past. Yes, it is capped at an additional 5 years, but so what? Keep adding new clients every year to make up for the ones that fall off after 5 years, it is something I can live with. To be attacked because I don't think that is such a bad deal seems a little extreme, after all we are just exchanging ideas and opinions. Depending on where you are, your commission issues could be different, but here in KC we are better off than we were last year. Sorry about your situation in AZ, but that hardly gives AZZBroker reason to personally attack me or bring my wife into his childish comebacks.

 

[retread]

Don't let these knuckleheads get the best of you, Chuck. All they do is smart-mouth. They are not contributors. Let them die a slow death.

Sometimes I get so frustrated with these inane comments I just find something else to do for a while. There are some people that really appreciate your help, but there are others that no amount of help will do any good.

 

[AzBroker]

Hey dumba$$ patchie,
Go have your wife put you to bed & change your diaper you whiny a$$ little bit^^. Ouch, that really hurt, patchie. So you flipped half your customers this aep, what a hypocrite. How many age ins can you write during aep, not enough to cover the loss of comm you dumba$$. Forget about 5 year renewels, the plans change so much every year you're an *** if you keep your customers on the same shi$$^ plan. No you're not better off this or any other aep, get it in your thickest ever skull. Don't act so innocent, takes two tango, you were slinging the sh^^ right along. Better call Coventry, it might be $400, then your whole theory goes to he$$. Retread, you are a Retread.

 

[retread]

Hey dumba$$ patchie,
Go have your wife put you to bed & change your diaper you whiny a$$ little bit^^. Ouch, that really hurt, patchie. So you flipped half your customers this aep, what a hypocrite. How many age ins can you write during aep, not enough to cover the loss of comm you dumba$$. Forget about 5 year renewels, the plans change so much every year you're an *** if you keep your customers on the same shi$$^ plan. No you're not better off this or any other aep, get it in your thickest ever skull. Don't act so innocent, takes two tango, you were slinging the sh^^ right along. Better call Coventry, it might be $400, then your whole theory goes to he$$. Retread, you are a Retread.

Yep, and proud of it!

 

[AzBroker]

sman & Russ,
Did you find any better plans in Az for 2008 than Aetna? Did you do the comparison?
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That's what I thought.

 

[Russ]

sman & Russ,
Did you find any better plans in Az for 2008 than Aetna? Did you do the comparison?
- - - - - - - - - - - - - - - - - -
That's what I thought.

I didn't look for 2008 because it will be 2009 in 5 days. I never compared it to other plans, just looked at the benefits Aetna offers in 2009.

You need to take a hit or 2....it'll mellow you out.

 

[patch36]

You are so right retread. Took just a few post for his true self shine through.

Never said I didn't move some folks from one MA to another, but it was a better choice for them. Over half of my new biz was either new to Medicare or a Med Sup to an MA. Come back when you grow up Azzbroke, but until then I am ignoring your exaggerated experience and production, and insults.

 

[AgentOrange]

This is a very contemptous dialogue you guys got going here. Az, chill out, it's not patch's fault comps got cut. It actually may be yours, with all the churning you've been doing the past couple of years. Anyway, it's a new day, time to adjust to the new comps and create a successful business plan around them, if you can.

 

[sman]

sman & Russ,
Did you find any better plans in Az for 2008 than Aetna? Did you do the comparison?
- - - - - - - - - - - - - - - - - -
That's what I thought.

Nope. Haven't given it another thought. As I said, I don't work Arizona and only looked at the plans in Phoenix. And I prefaced all of that before I made my statement. You explained you were writing PFFS plans. Looks like you'll be changing them in a couple of years to an HMO or PPO. Hope you calm down enough to enjoy the rest of the year.

 

[bowtie]

Updated 2009 Commission Rates for Aetna Individual Medicare Plans ​

Based on recently issued guidance by the Centers for Medicare & Medicaid Services (CMS), we have had to revise our 2009 commission rates for Aetna Individual Medicare Advantage Plans. The commission rates below apply to any enrollment already made during this open enrollment period, with an effective date of January 1, 2009, as well as any future enrollments in 2009.
2008-2009: DIRECT PRODUCER COMPENSATIONRegionHMO/PPOPFFSPDP

New BusinessRenewal*New BusinessRenewal*New BusinessRenewal*

Northeast (except CT, N. NJ)$400$200$350 $175$50 $25

Mid-Atlantic (except PA, S. NJ, DC)$400$200$350 $175$50 $25

Southeast $400 $200$400 $200$50 $25

North Central $400$200$400 $200$50 $25

Southwest $400 $200$250 $125$50 $25West (except CA)$400 $200$350 $175$50 $25

2008-2009: DIRECT PRODUCER COMPENSATION STATE VARIATIONS
StateHMO/PPOPFFSPDP

New BusinessRenewal*New BusinessRenewal*New BusinessRenewal*

Connecticut$450 $225$350 $175$50 $25

New Jersey$450$225$350 $175$50 $25

District of Columbia$450$225$350$175$50 $25

Pennsylvania$450 $225$350 $175$50 $25

California$500$250$350 $175$50 $25



*** Oh, and will an FMO please check my CMS Captive Agent Guidance Post and let me know how he carriers are guiding you. Thanks.

my question is how much is a GA or FMO entitled to take of our first year commissions and renewals? Did CMS regulate our commission structure and not what FMO's and GA's make? I read a CMS document that said, the goal of the level commission structure is to motivate agents in the field. If we don't get it all, then where is the motivation? My GA is paying $150 for ma plans and 125 for renewals; $300 for new to ma plans (those with original medicare). Am I getting screwed?
- - - - - - - - - - - - - - - - - -

Updated 2009 Commission Rates for Aetna Individual Medicare Plans ​

Based on recently issued guidance by the Centers for Medicare & Medicaid Services (CMS), we have had to revise our 2009 commission rates for Aetna Individual Medicare Advantage Plans. The commission rates below apply to any enrollment already made during this open enrollment period, with an effective date of January 1, 2009, as well as any future enrollments in 2009.
2008-2009: DIRECT PRODUCER COMPENSATIONRegionHMO/PPOPFFSPDP

New BusinessRenewal*New BusinessRenewal*New BusinessRenewal*

Northeast (except CT, N. NJ)$400$200$350 $175$50 $25

Mid-Atlantic (except PA, S. NJ, DC)$400$200$350 $175$50 $25

Southeast $400 $200$400 $200$50 $25

North Central $400$200$400 $200$50 $25

Southwest $400 $200$250 $125$50 $25West (except CA)$400 $200$350 $175$50 $25

2008-2009: DIRECT PRODUCER COMPENSATION STATE VARIATIONS
StateHMO/PPOPFFSPDP

New BusinessRenewal*New BusinessRenewal*New BusinessRenewal*

Connecticut$450 $225$350 $175$50 $25

New Jersey$450$225$350 $175$50 $25

District of Columbia$450$225$350$175$50 $25

Pennsylvania$450 $225$350 $175$50 $25

California$500$250$350 $175$50 $25



*** Oh, and will an FMO please check my CMS Captive Agent Guidance Post and let me know how he carriers are guiding you. Thanks.

my question is how much is a GA or FMO entitled to take of our first year commissions and renewals? Did CMS regulate our commission structure and not what FMO's and GA's make? I read a CMS document that said, the goal of the level commission structure is to motivate agents in the field. If we don't get it all, then where is the motivation? My GA is paying $150 for ma plans and 125 for renewals; $300 for new to ma plans (those with original medicare). Am I getting screwed?