Important Dates & Deadlines for Agents

Save the important date(s) for agent success!

important dates

Carrier Appointments:

  • Thursday, September 1st
    • This is a suggested date, as Carriers become heavily congested after September 1st
    • Agents need to have completed appointments/certifications and training to ensure agent-readiness for AEP/OEP

FFM Certification:

  • If you’re selling for 2017, you need to get certified or re-certify for the 2017 Open Enrollment Period. Contact GoHealth or your Account Manager for guidance or access to our FFM Certification guide

Medicare Annual Election Period:

  • Saturday, October 15th

Open Enrollment Period (OEP):

  • Tuesday, November 1st

Our goal is to keep you updated with important dates & deadlines, industry changes, technology updates, and more. To make sure you’re always in the know, we recommend that you subscribe to the GoHealth Industry Insider; your all-in-one resource for success!

Filed under: News

How to Increase Your Monthly Commission by 210%

The answer is simple. Attach SecureAssist to your Short-Term Medical Plans, and you could see your per-policy monthly commission increase by 210%.

What is SecureAssist?

SecureAssist is an intuitive phone, Web and mobile platform that enables consumers to make better health care decisions, saving them time and money. It’s also a profitable addition to your product mix!

When you attach SecureAssist to Short-Term Medical Plans, both you and the consumer win.

  • For consumers: Consumers save time and money with concierge support and discount services. In addition, with SecureAssist Plus and SecureAssist Total plans, they receive Critical Illness and Accident coverage to fill the gaps left in their high-deductible plans.
  • For agents: Your potential monthly commission increases by 210% when you simply attach SecureAssist to Short-term Medical plans! See below.

Increase commission

Partner with us today to learn more about SecureAssist products and how they will increase your commission rates!

Filed under: News

5 Keys to Agent Success

Agent success is within reach; simply follow these 5 keys.

We asked General Manager of Agent Services at GoHealth, Michael Owens, to share his 5 keys for agent success.

Why? Because in an industry that is ever-changing, it’s helpful to have some guidance along the way.

While there’s no set playbook for how agents can be successful in this industry, there are a few helpful tips and tricks more experienced agents have learned and are worth sharing.

Check out ours, then share yours in the comments below for a chance to be featured in an upcoming GoHealth Industry Insider!

5 keys to agent success

Looking for more ways to succeed? Check out the GoHealth Marketplace (our user-friendly shopping and enrollment technology), consider purchasing health and senior insurance leads (delivered right to you), and subscribe to our newly renovated agent newsletter, the GoHealth Industry Insider (delivering the latest news and trends, announcements, technology updates, and more).

Filed under: News

Health Care Spending in the Next Decade

The projections are in. This is the future of health care spending.

LifeHealthPro recently came out with a post highlighting how much the US will spend on health care in the next 10 years. The study was conducted by the officials at the Centers for Medicare & Medicaid Services (CMS) — the federal agency that runs Medicare, Medicaid and the public health insurance exchange system. Their findings were included in their updated National Health Expenditure projections.

Here’s what you need to know:

Health Care Spending in the Next Decade

Filed under: News

Have You Bought Your 63-Year-Old Insurance Leads Yet?

For quality over-65 Medicare insurance leads, the key is to engage early and often.

You may be thinking, “why this specific age?” or “wouldn’t it make more sense to buy over-65, Medicare eligible insurance leads?”

According to Salesforce, it takes 6 to 8 touches to generate a viable sales lead. Prospects need to be educated about your product or service, which won’t always happen overnight. With the ever-increasing amount of advertisements, promotions, and marketing messages, it’s easy for your message to get lost in all the noise. To get through to your audience and establish a workable sales lead, you may need to get a little creative.

Health and Medicare insurance leads are no different. With the recent increased interest in over-65 Medicare insurance leads, we recognize a need for highly targeted outreach and engagement. The key to success here is to engage approaching over-65 Medicare consumers early to gain trust and prepare them for their decision. When consumers then become Medicare eligible, they will know exactly who to reach out to for coverage. The idea is both simple and powerful — by targeting the right people at the right time; you’ll see increased positive results!

Speak with a GoHealth representative for actionable next steps to master early engagement and begin building relationships with the right insurance leads!

Filed under: News

Medicare Opportunities: How to Overcome 3 Major Roadblocks

Medicare opportunities are on the rise, but some agents are still hesitant to move into this space.

In the under-65 health market, producers are successful despite there being high deductibles and compressed commissions. How are they reaching success? And which business practices are also relevant for the over-65 health market?

The key to success for the under-65 health market is product diversity. Successful agents protect their clients from high out-of-pocket expenses while building residual income by bundling critical illness and accident products with major medical/short-term medical plans.

What truly sets a successful health insurance agent ahead of the pack is their ability to diversify as they navigate the 2016 landscape.

Now is the time to diversify your product offering to include over-65, Medicare opportunities!

Medicare Opportunities

There are an exceeding number of Medicare opportunities that exist in 2016.

For one, there’s already a need. Producers not currently in the senior product space constantly share how their under-65 individual and family clients have friends, relatives and coworkers that are in need of Medicare Supplement, Advantage and Prescription Drug Plans.

Another reason to diversify; the over-65 space sees more consistent, high-earnings than the individual and family market.

So why are more Agents not taking advantage of Medicare opportunities? What are the perceived roadblocks?

Feedback from non-Medicare producing agents indicates hesitancy in joining the senior-space due to three key factors:

  1. Cumbersome certification processes
  2. Concerns over compliance regulations
  3. Lead sourcing opportunities and costs

Fortunately, GoHealth has solutions to ease your transition into the Medicare market:

  1. Certification Guides
    • AHIP and carrier-specific guides to aid in navigating seemingly complicated certification processes
  2. Compliance Resources/Job Aids
    • Guides and trainers available to teach agents the CMS-compliant processes for meeting with consumers, presenting their options and facilitating their enrollments
  3. Lead Sourcing Expertise
    • Industry-leading knowledge in senior-lead sourcing options

Ready to explore new Medicare opportunities? Contact GoHealth to get started today!

Medicare has neither reviewed nor endorsed this information.

Filed under: NewsTagged with:

Why You Should “Fill the Gaps” With Competitive Ancillary Products

Individual and family major medical deductibles average between $5 and $6k – what does this mean for consumers and agents?

With major medical premiums on the rise, more consumers are forced to elect Bronze-level coverage in order to fit their monthly budget. The average ACA Bronze plan carries a deductible of $6,000 or more. While the monthly premium may meet your client’s needs, many are left wondering what options they’ll have in the event of hospitalization or surgery.

Savvy agents have an answer to their clients’ concerns – supplementing their deductible with critical illness and accident medical expense insurance.

What is critical illness insurance?

  • Critical illness insurance pays cash benefits in the event that your client is diagnosed with a covered critical illness. Covered illnesses range from heart attack, cancer, stroke, and many more.

What is accident medical expense insurance?

  • Accident medical expense plans pay cash benefits in the event that your client suffers a medical expense from a covered accident. Plans pay a benefit amount based on the incurred expense and can be used as the beneficiary sees fit.

Why are critical illness and accident medical expense insurance important?

  • While the cash benefits received from these policies can be applied to whatever expenses the beneficiary desires, they are best used as supplements to the coverage gaps (out-of-pocket expenses) in high deductible health plans.

Benefits to both agents and consumers:

  • Consumers and agents alike are affected by the ever-changing landscape of the health insurance market. Through proper positioning of supplemental products like critical illness and accident medical expense insurance, agents can help their clients avoid high out-of-pocket medical expenses while generating a favorable revenue stream.

To learn more about filling the gaps of your client’s coverage while growing your book of business, request to speak with a GoHealth VMO representative today!

Filed under: News

SecureAssist Expands It's State Footprint

We’re excited to announce that we have expanded the number of states now approved to sell SecureAssist Plus and SecureAssist Total plans!

States now offering SecureAssist Plus and SecureAssist Total plans include (with new states indicated in bold font) the following:

  • AK, AL, CA, DC, DE, IA, IL, MI, MO, MT, MS, ND, NM, OK, PA, TN, TX, WI, WV & WY

States offering SecureAssist and SecureAssist MD plans include:

  • AK, AL, AZ, CA, DC, DE, GA, HI, IA, IL, IN, MI, MO, MS, MT, NC, ND, NJ, NM, NY, OH, OK, PA, SC, TN, TX, VA, WI, WV & WY

Why is this important?
In addition to receiving the benefits from SecureAssist and SecureAssist MD (concierge services, discount services, telemedicine consultations, and identity theft recovery), SecureAssist Plus and SecureAssist Total plans take it one step further by offering critical illness and accident insurance benefits – All bundled together into a single, efficient sale!

For more information on these and all other SecureAssist plans, be sure to check out our updated SecureAssist Product Sheet and then request to speak with a GoHealth sales representative for free to learn how SecureAssist may be a good fit for your business.

Filed under: News

How To Transition From OEP To Outside OEP With Success

The last day of Open Enrollment was January 31, 2016, so now is the time to shift toward assisting clients enroll in a Qualified Health Plan on/off exchange.

What does this period mean for agents? For agents, this means you have the opportunity to fill your client’s coverage gap with a short-term medical plan, aimed at severely reducing the risk of catastrophic financial loss in the event of hospitalization, critical illness diagnosis or medical accident.

3 steps to successfully transition from the Open Enrollment Period (OEP) to outside the OEP:

  1. Understand the value of short-term medical coverage and be prepared to present options in order to fill the gap in coverage your client may have if they are currently without a Qualified Health Plan, and lack a Qualifying Life Event/Special Enrollment Period in order to enroll in a QHP.
  2. Follow a systematic process of helping your client understand they must have a QLE to enroll in a Major Medical plan, perform a QLE/SEP screening, and pivot to short-term medical options in cases where the client lacks a QLE/SEP.
  3. Always be prepared to offer additional coverage to supplement high-deductible Major Medical and Short-Term Medical plans (i.e. Critical Illness, Accident Medical Expense, and SecureAssist).

If consumers have a QLE, you simply need to follow the application process and make sure to select/designate the appropriate QLE so that the submitted plan will be accepted by the carrier.

What should Agents do differently during outside of OEP than within OEP?

  • Perform a QLE/SEP screening (ask your consumer if they have experienced any of the following within the last 60 days and list the various QLEs). Based on their answer, either offer a QHP or pivot to short-term medical, with a focus on the value of short-term medical coverage to someone without any coverage whatsoever.

For more information on Qualifying Life Events (QLE) and Special Enrollment Periods (SEP), be sure to check out this quick, one-page report which defines QLE and SEP and lists what’s included in both.

To solidify your success, make sure you have the right technology and enrollment solution in place. We recommend the GoHealth Marketplace for a user-friendly shopping and enrollment experience. See for yourself — request a free demo today!

Filed under: News