Looking for Health Agent in VA for Split

[GreenSky]

Guinness Ale Gift Basket - A Unique Beer Basket for Delivery!

This may help.

I appreciate your support.

Rick

 

[DS4]

...... HIPAA is low-dollar comp...

What?
Flat 5% commission on $900/month in premium
Guarantee Issue.

 

[Quotebroker]

As I understand it, HIPAA in CA is going to 2.5% PPO and 2.9% HMO for Anthem... who has (had?) good rates. And some carriers do a lot of non-med underwriting such that having the right docs in the right format entails a fair amount of work and client hand-holding. Dave020 earns what he gets, and from his mentoring alone over the past five years I owe him more than I could ever repay (and he's never asked for a thing.)

His HIPAA page for CA is excellent. Read and learn.

He has a procedure for doing/writing/handling volume HIPAA business so that it is profitable for him. It is most (or a lot) of what he does, he is good at it, and I'm happy to send him the few HIPAA cases a year that I get.

I'd rather be their life, DI, LTC and annuity advisor and get a referral to their business associates. Dave does a great job... and it reflects a bit back on me... which I'm happy about.

When someone refers a great lawyer or vendor or CPA to you, doesn't your estimation of their "value" to your business rise a bit?

Al
Find me here

3.0 and 3.4, if you cap out, but point taken

 

[myinsurebiz]

Long explanation that nobody requested.

Rick

No offense - but this is what the forum is for - ideas?

Just sayin . . .

 

[pahealthquotes]

we get zippo for HIPPA cases in PA, and we do about 1 per week as a courtesy.

 

[Dave020]

We have a spread in CA on HIPAA.

Anthem pays, Blue Shield pays, Health Net pays, Aetna pays (ableit 1%) and I believe PacifiCare may still pay.

Kaiser and Cigna pay nothing on HIPAA.

 

[Quotebroker]

We have a spread in CA on HIPAA.

Anthem pays, Blue Shield pays, Health Net pays, Aetna pays (ableit 1%) and I believe PacifiCare may still pay.

Kaiser and Cigna pay nothing on HIPAA.

I've been meaning to ask...does anyone place any business with Pacificare anymore?

 

[Dave020]

I have no idea. When the new company (UHC) I believe AMS or something like that came along, they asked all PCare agents to "re-contract" into a non-vested contract.

LISI (GA) told all CAHU members it was a lousy contract and not to do it.

I was originally contracted with PCare and still get correspondence from time-to-time but did not sign the new contract.

Remember, this is the same carrier that offered direct sales to the public at 10% discounted priced (just happened to be the same as the agent commission LOL)

 

[DS4]

As I understand it, HIPAA in CA is going to 2.5% PPO

On new business, yes.
Still, 2.5% on $900+/month is $270/year.
HIPAA is GI, no underwriting.
Retetion is good. As long as they don't obtain employer coverage or die.
If you write HIPAA business in Ca, be prepared to follow up on the app once you fax. And I do Mean follow up.
Anthem is difficult to deal with. Blue Shield of Ca is easy.
Those are the only two I use.

 

[Dave020]

On new business, yes.
Still, 2.5% on $900+/month is $270/year.
HIPAA is GI, no underwriting.
Retetion is good. As long as they don't obtain employer coverage or die.
If you write HIPAA business in Ca, be prepared to follow up on the app once you fax. And I do Mean follow up.
Anthem is difficult to deal with. Blue Shield of Ca is easy.
Those are the only two I use.

AND, HIPAA pays renewals on the increase premium, not just the FYP like most of the other plans.

I have great retention 50+ and lousy retention under 50.