Insurance Agent Forum

[loudee]

Can anyone recommend a good GA in PA for Highmark BS and Highmark BX/BS? Also, is anyone familiar with the commission structure?

Lou

[TXINSURANCE]

Hey Lou - Is a GA required or will they accept individual appointments?

[1manshow]

We've used National Insurance Markets www.nimbroker.com for the past fifteen years with good results. Stand alone is 20%first year and group health is a per employee flat rate, sorry I don't do enough to know the commish intimately.

[wilkin]

GA is required. I use urlfinancial.com. Ask for Deb.

-Bill

[loudee]

Originally Posted by TXINSURANCE

Hey Lou - Is a GA required or will they accept individual appointments?

GA required for production reasons. I believe they want 100 apps/year. That's too rich for me. Most of my biz is either UHC or Aetna.

Lou

[CHUMPS FROM OXFORD]

I also use URL and have spoken many times to Deb. She knows her stuff!

[TXINSURANCE]

How is their underwriting? rate ups? waivers in PA?

[wilkin]

Underwriting is pretty tough. PA allows riders but Highmark does not use them. Will rate up 15% or 30%. They decline often, i.e. six or more chiropractic visits usually a decline - and in PA they love chiropractors! Ask Deb to send you a producer manual.

[salpro22]

Do you know what the production requirements are to become a GA for them?

I haven't worked PA for over a year now, but I vividly remember running into the different BCBS companies up there. Did the two BCBS companies ever merge?

[arnguy]

The proposed merger between Highmark BC/BS and Independence Blue Cross is still under consideration by the PA Insurance Commissioner. He has promised a decision by the end of January.