Відео

when they file separate, the income does not matter since they cant get any subsides

@thinkmedicarethinkaca so the qualifications for subsides is household size, not income??

@@jessicawick7816 its both

Sunfire should tell you when you quote which plans are non commissionable. they are also removing plans from the quoting platform. But you also need to be aware of it

Thanks!

@@gabrielbahash Your Welcome

yes, I'll make one today for Molina

@thinkmedicarethinkaca thank you for that

@@KareemJSanders Your welcome

this applies to the FFM states. Virginia is a state based exchange. Every state has its own rules

100%

are you calling as soon as you get the lead? Forget what time they scheduled the appt. We call a few minutes right after we get the lead.

Are you using a CRM to get lead imported directly from the lead form on social media?

How are you getting these appointments? What is the lead source?

Hello thanks for responding back. I get paper leads from my upline. I place them in CRM I call them. Most don’t answer and I leave voicemails with name number and why I’m calling. When I do speak with them I gather information from most of the time. Send out SOA and we scheduled appointment to sign with carrier. When I call them some time they don’t answer, and when they call back they want to reschedule.

This is my first AEP selling Health Insurance. So far I sold 1 from the start of this AEP. Had 2 but they called/reached another AOR and cancelled out the plan I put him in. Turns around get in HMO and cancelled out the PPO he wanted.

for sure!! gotta take advantage of it!!

Thank you for commenting!! I appreciate it!!

I agree. If those Inflation Reduction Act enhancements aren't extended, 2026 will be a tough year

I don't see a world where these are not extended. Republicans love insurance companies and you'll be damned sure the insurance companies will be lobbying heavy for the continued Government money so they can continue to charge astronomical rates for insurance subsidized by Uncle sam.

@@takeflightfinance644 i agree and I hope they don't end. I make a good amount of money on these bonuses as well as other agents

Thank you so much. I truly appreciate it!!

You have to estimate it. Thats the best that you can do. I do see your issue and that is a problem for many people who don't have a salary

Thank you!! I truly appreciate your comment!!

Thank you!! Who is your upline?

If you not part of my upline, we have The Community (paid membership) $50 a month. Come check out what we are doing: www.theacaschool.com/thecommunity

The ACA & Medicare Mastery Network is a resource for insurance agents looking to grow their business. It offers pre-recorded quoting guidance, weekly and monthly masterminds, customizable marketing tools, workshops on financial planning, lead generation strategies, and training on cross-selling and compliance. The community provides agents with personalized support, access to technology discounts, and insights into using AI in insurance.

I'm, pretty sure this only applies to those who make income that is below the FPL. there is a separate calculation for those who have employer coverage to see if the cost of the employer plan is affordable or not

I have a google folder with every carrier bonus

Here it is: drive.google.com/drive/folders/1HgEzkdBIx9zgdHkf3fBLYKrNpPZtJ4GI?usp=sharing

wow. I haven't heard any paying that much for off exchange plans.

I would double check because commissions schedules that I have from carriers don't differentiate between on and off exchange when it comes to commissions

sure thing. email me at: luis@360insurancegroup.com

I agree!!

😂

super happy they did. it was a pain in butt to go to their platform and process an app there

its on them. If they don't let me know that they have employer coverage, then there isn't much I can do

my initial targeting of clients are people who don't have employer coverage. Unless they new job, and have employer coverage, then the affordability of that plan becomes an issue.

Occasionally, I do get a request to cancel and when I ask why, they tell me that they now have employer coverage

@@thinkmedicarethinkaca Thanks and if I sign up for agent crm under you are the automations where I can send consent automatically already in there?

@@takeflightfinance644 Yes, you will get my aca email signed consent, the confirmation , and the ability to send the SOB

Thank you

Yes, only for Medicare!!

Thank you!!

@@thinkmedicarethinkaca No, thank you!

I'm not to sure!!

Here is the link for non-commissionable MAPDs: drive.google.com/drive/folders/1_qPgNi_w7eoZZjy04juZHhYIDtCGNuSu?usp=sharing

We got up and running

Here is the link: www.theacaschool.com/thecommunity

Your Welcome

Here is the link for non-commissionable MAPDs: drive.google.com/drive/folders/1_qPgNi_w7eoZZjy04juZHhYIDtCGNuSu?usp=sharing

Gracias

Why? If you don’t mind me asking

why? it did get bad with the rat agents stealing, but that has now almost come to stop. It a great time to get back in

@@user-ol5we8nv4o Because Medicare advantage plans are ten times easier and folks love $0 premium plans! You get to deal with HAPPY customers!

Your Welcome

Here is the link for non-commissionable MAPDs: drive.google.com/drive/folders/1_qPgNi_w7eoZZjy04juZHhYIDtCGNuSu?usp=sharing

esta es una gran idea. Voy a trabajar para traducir mis flujos de trabajo y hacerlos en español.

@thinkmedicarethinkaca gracias Luis. Eres un crack. Sugiero que Agent CRM también ponga su software en dos idiomas. Somos muchos los agentes latinos que no dominamos el inglés y nuestros clientes que son miles, tampoco hablan inglés y para las cartas de Consentimientos y demás herramientas del CRM les va a costar usar las herramientas. De verdad felicidades a todos. Muh agradecidos por su trabajo y esfuerzo

Your Welcome

Here is the link for non-commissionable MAPDs: drive.google.com/drive/folders/1_qPgNi_w7eoZZjy04juZHhYIDtCGNuSu?usp=sharing

Your welcome!! Here is the link for non-commissionable MAPDs: drive.google.com/drive/folders/1_qPgNi_w7eoZZjy04juZHhYIDtCGNuSu?usp=sharing

email me: luis@360insurancegroup.com. was it to this email address? what did you email me?

@@EllisRankin-w9k its a resource of info. Here is the table on contents

@@EllisRankin-w9k here is the info that is on that smart book

@@EllisRankin-w9k 2024 Federal Poverty Guidelines for 2025 Enrollments ………….Page 3 Income Guidelines for ACA Eligibility ● What to Include as Income …………………………………… Pages 4-5 ● Frequently Asked Income Questions …………………...…… Page 6 ● Table of Taxable and Non-Taxable Income ……………….… Page 7 Household Eligibility Guidelines ● Who to Include in the Household …………………………… Pages 8-10 Immigration and ACA Eligibility ● Reference Guide to Immigration Documents ……………… Pages 11-13 ● Immigration Document Types ……………………….…….… Page 14 ● Examples of Immigration Document Types …………..…… Pages 15-24 Special Enrollment Periods (SEPs) ● Overview of Special Enrollment Periods ……………..…… Pages 25-26 ● Special Enrollment Periods Reference Chart ………..…… Pages 27-37 ● Low-Income SEP: FAQs ……………………………….…… Pages 38-40 ● Unwinding of Medicaid and CHIP FAQs ……………..…… Pages 41-43 Family Glitch Fix and Employer-Sponsored Coverage ● Understanding the Family Glitch ………………….…..…… Pages 44-45 ● Family Glitch Employer Coverage Tool …………………… Pages 46-47 Supplemental Insurance Options ● Ameritas Primestar Dental Plans ………………….……… Pages 48-51 ● Ameritas Primestar Vision Plans ……………………..…… Pages 52-55 ● Allstate National Plan Accident Medical Expense ….…… Pages 56-58 ● Allstate Sickness, Cancer, and Heart/Stroke Coverage… Page 59 ● Allstate National Sickness Hospitalization …….………… Page 60 ● Allstate Limitations and Exclusions ………………….…… Pages 61-64 Client Intake and Consent Forms ● Client Intake Sheet ………………………………….……… Page 65 ● CMS Guidelines on Capturing Consent …………….……. Page 66 ● CMS Consent and Confirmation Notice …………….….… Pages 67-73 ● ACA Consent Form (English) ……………………………… Page 74 ● ACA Consent Form (Spanish) ……………………….….… Page 75

Yes it is!!

@thinkmedicarethinkaca awesome! Thank you

@ Your Welcome

I wish I knew!!

email me.. I will. luis@360insurancegroup.com

For me, I write them. I have never had an issue with it. Carriers who set up booths at retail centers also don't have an issue and I have been at many booth for years and never had an issue. But everyone runs their business like they want. If you feel that this doesn't work for you because of HIPAA rules, then you don't set up at places like this.

If people didn't want to share their PII with me and there were some, I would set up a appt at my office or do it over the phone the following week

@ yes sir. That’s how I’d handle as well. Office or phone

@ I’m not saying I wouldn’t do events like this. My wife runs events where she hosts craft venders & I set up a booth every time to do both ACA & Medicare. I’ve never said I wouldn’t write somebody up on the spot. I was just pointing out that some may say it could be a HIPAA issue. I love doing these kinds of events.

@@Newsandtraffic I agree. It could be but when I do an on the spot enrollment, I am not doing it where others can hear sensitive info

I completely agree!!

I am going to assume that you meant Gold Plan. It depends. Every person's situation is unique. You can email me and I can run some quotes for you!! Luis@360insurancegroup.com

Your welcome and glad that I could help

there is no SOA for ACA. Thats only for Medicare. But for ACA, you do need consent and confirmation

The Family MOOP is twice the amount of the individual MOOP. 2 people have to meet it.