How do they get around the SOA Humana requires (even though we know it's only been required for F2F - Humana has a different interpretation) and what do they do about the Agent Signature date and Appointment date on the SOA? What about the submitting of the app within 24-48 hours of it being dated (other carriers apps ask what date the agent received the app and we have to submit it within 24-48 hours of that date)? And what do the agents list as appointment type in the Agent section of the app?
All other carriers here in Georgia seem to be ok with mailing enrollment kits. Although UHC frowns upon it, but will allow it if warranted. I emailed UHC compliance a few years ago and was told, while not ideal, if it is necessary and a full presentation is completed over the phone, they will allow it.
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I can't speak for his guys, but for the carriers who allow mailing of enrollment kits, I'll review things over the phone and send them an enrollment kit. I instruct them in my cover letter (and while we're on the phone) to call me when they receive it and we'll go over the Summary of Benefits.
I also supply them with a postage paid return envelope to mail the application back to me. And I don't typically include a scope since I'm not meeting with them F2F. Some carriers even ask if a scope wasn't received, why you didn't get it. They understand that if the agent isn't meeting F2F with the client, no scope is required. So you simply list that the enrollment kit was mailed and you didn't meet with them F2F. Never had a problem with those carriers.
It's only Humana who seems to have a problem with it (depending on who you ask).
