Insurance Agent Forum

[the do]

I am looking to help this client out by changing his plans within AnthemBC of Ca. would anyone be so kind as to direct me on how to do this?
I am a bit confused on this whole process

Thanks Micah

[GreenSky]

Originally Posted by the do

I am looking to help this client out by changing his plans within AnthemBC of Ca. would anyone be so kind as to direct me on how to do this?
I am a bit confused on this whole process

Thanks Micah

Micah:

I'll post the same answer here as I posted on the IHIAA forum:

Anthem does not allow BofR changes.

Rick

[Dave020]

Not exactly, it depends. I love that answer (no grey area there LOL).

If the client is with another independent producer, then unless the producer is willing to release the client, no BOR can happen.

If the client is an "in-house" client who bought direct, then assisting them with a plan change will let them come over to you as the agent of record. Sometimes it happens automatically (off of your application ID) and sometimes you have to have a letter signed by both you and the client requesting the change and referencing the work you did for the client.

If it's a new full application, then you will get credit. If it's a change of coverage application, there is no place on there for agent information so you'd have to do the letter once the client is approved. Check with your RSM on this they can tell you the best way to do it on change of coverage.
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Footnote: It can be a real kick sometimes. I have written cases where the family all went on HIPAA direct (didn't call me for HIPAA, how dare they LOL) and I did an application to move them all over to underwritten coverage. Everyone but one person got approved and moved to the new plan under me, and, you gotta love this, since I "tried" to help the one still on HIPAA, they gave me that one too. Gotta love them! Cake and eat it too

[GreenSky]

Dave:

Now that you mention it, I have been asked to sign off on a BofR. Of course, I refused causing the client to call me names even I've never heard of. He's still on the books about 4 years later.

My RSM told me that if it was an in-house account, tough cookies.

Answer a senior question so I can post that you made a mistake!

Rick

[Dave020]

Originally Posted by GreenSky

Dave:

Now that you mention it, I have been asked to sign off on a BofR. Of course, I refused causing the client to call me names even I've never heard of. He's still on the books about 4 years later.

My RSM told me that if it was an in-house account, tough cookies.

They will give away the in-house accounts with no problem as long as you have assisted the client in obtaining a policy change. It's a nice deal since a lot of people go direct, at least at first. Also, I found out that they did away with the "notary" rule for the releasing agent, so you don't have to get your release letter notarized anymore. You lose the client but keep the $10 LOL

Originally Posted by GreenSky

Answer a senior question so I can post that you made a mistake!

Rick

Ok, Plan A is the best plan available and makes the most financial sense for all clients and is way better than any MA plan.

[GreenSky]

Originally Posted by Dave020

Ok, Plan A is the best plan available and makes the most financial sense for all clients and is way better than any MA plan.

Sounds like you have a solid grasp on Med Supps. Well done grasshopper.

Rick