Archive for December 24th, 2008

Are you ready to grow your business??? Molina Medicare offers a very competitive SNP plan in CA and it is EASY to sell!

Plans are available in Los Angeles, San Diego, Riverside and San Bernadino.

Meeting is January 8th, 2009 at Residence Inn Anaheim Hills Yorba Linda at 10am.

For registration information, please visit our EVENTS PAGE!

For information on licensing, please visit our Molina Licensing Page.

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To be sure that your clients’ enrollments are effective on January 1, 2009, it is critical that the Health plans RECEIVE the application by 12/31/2008.

If you are writing business on December 31st, 2008, you may want to do either Telephonic or Website enrollment (where available).  At a minimum, you will want to have the application faxed to the appropriate place by December 31st.  If you are mailing applications late in December, you will want to use overnight delivery to be assured that they are received in time.

For full instructions on the various methods to submit business, see our Company Info page and click on “Submitting Business” for the company you are using!

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Just a quick reminder that all Coventry appointed agents with an Agent Writing Number (AWN) can use the Coventry App Tracker. 

For instructions on how to use the App Tracker, visit our Websites Page for Coventry.

IMPORTANT NOTICE FOR PA AGENTS:  It is particularly important that you look for CANCELLED applications as the state of Pennsylvania is “auto enrolling” Pace/PaceNET members into Partner PDP plans.

Here is the notice from Coventry:



As long as you have your 6-digit Agent Writing Number (AWN), you can use Coventry’s Application Tracking System (“App Tracker”) to access the status of your submitted 2009 enrollment applications starting 4-5 days after it is received by Coventry.


1. Log in to the secure Broker Portal at www.AdvantraFreedom.com


We recommend that you take a few moments to review the App Tracker System User Guide
2.  Access the App Tracker System:  Click the “2009 Application Tracker” link that you’ll see once you have logged in to the broker site. You will be transferred to the Log In screen.
3.  Enter your User ID and Password. Then click Log In button. 
  • Agents: Your User ID is your Coventry Agent Writing   Number  (AWN). It is not your Registration ID. Your initial/preliminary Password is “Coventry” plus the last 4 digits of your Social Security number.    EXAMPLE:  Coventry1234

4.  First time users reset your password:  After you have successfully logged in, the screen will instruct you to reset your password (secure and confidential).  Follow the prompts in the pop-up box to reset your password.  (NOTE:  Password must be a minimum of 8 characters and must include at least one uppercase character and at least one number. Example:  Welcome1)

5. The Main Menu for the App Tracker will display.  The following five tabs will be present on the screen: 1) Reports  2) Statements  3) Demographics  4)  Commission Inquire*  5) Request

* All commission reports are delayed for release until final CMS approval is received. 

6. TO VIEW ALL OF YOUR SUBMITTED APPLICATIONS - From the “Reports” tab go to “App  Specifics”, click “Run” to view all of your 2009 enrollment applications.



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Ritter Insurance Marketing will be closed the following days:

  • December 25th, 2008
  • December 26th, 2008
  • January 1st, 2009
  • January 2nd, 2009

Additionally, we will be closing early on Christmas Eve.

For those companies who require us to process business, we have made arraignments to have the business processed in a timely manner.

Enjoy the Holidays!

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Thanks to everyone for the comments!  I hope everyone had a great year in 2008 and that you enjoy the Holiday Season!  I’ll be celebrating Christmas with my family here in Harrisburg and then traveling to Atlanta to spend time with my wife’s family.  I’ll be back in after the first of the year.

Regarding the CMS guidance on commissions, here is what I know:  Nationally (with the exception states below), the maximum commission a health plan can pay a writing agent is $200 when replacing another Medicare Advantage plan.  If you are replacing “Original Medicare”, then the maximum is $200 which will be paid initially and another $200 when CMS notifies the health plan that they are allowed to release the other $200 ($400 total and we’re guessing it will take 3-6 months for CMS to do this).

There are 4 states plus the District of Columbia which are slightly higher (I don’t have information on any others at this point):

  • The following states allow $225 for replacing Medicare Advantage and an additional $225 for replacing Original Medicare (or for those new to Medicare):
    • Pennsylvania
    • New Jersey
    • Connecticut
    • District of Columbia
  • The following state allows $250 for replacing Medicare Advantage and an additional $250 for replacing Original Medicare (or for those new to Medicare).
    • California
  • All other states will be $400/$200

From what I’ve seen thus far, the companies who have commissions in excess of the above commissions will have to reduce their commissions to the maximum.  This will be retroactive to cover ALL 1/1/09 applications written.  I don’t believe those companies who are BELOW the maximum will be allowed to raise their commissions, at least I haven’t seen any plan successfully do it.

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