- Thread starter
- #61
MSLLC
Expert
- 24
from the AARP/UHC Fast Track 2026 Certification. IOW, you have to work for free
UHC PDP going non-commissionable 6/1/25
- Thread starter MSLLC
- Start date
- 7,436
Caveat, not an agent.
Have you been able to present, and receive payment for, those types of charges before?
I had the impression that those types of charges have been un-allowed all along.
WiscBroker
Super Genius
- 142
Ok, no Marketing Fees can be charged. What about Servicing Fees???
With your free Basic Membership I will provide to you a plan to review and enroll in, however only the Plus Members get access to comprehensive year-round servicing. Plus Membership also gives you priority response time and call-backs before Basic Members. All for only $99 per year.
- 7,436
Caveat, not an agent.
I don't know if that is a serious question, or tongue in cheek.
If serious I believe that possibility has been discussed here in different formats multiple times and each time the general consensus has been that is not an allowed practice.
I might be remembering wrong, but that is what I think I have seen here.
Does this "no fee" directive only apply to agents writing AARP/UHC plans and is it all inclusive (any/all Medicare plans or just the PDP)?
Why do I get the impression they really don't want agent submitted business?
Of course they can probably do just fine with AARP referrals, call ins from web searches and other DTC advertising.
Why do I get the impression they really don't want agent submitted business?
Of course they can probably do just fine with AARP referrals, call ins from web searches and other DTC advertising.
Trying to sort something out for someone I was accidentally referred to one of their captive agents. That person said they get $50 for each sign up they do. I didn't ask if there is a renewal payment or just the original one. While they are on salary, apparently part of that is the sign up "bonus" that comes along with a quota (all this is from memory though so I could be wrong). I am wondering if that is cheaper, even with benefits, than using us.
And, of course, AARP sends people to their website and many presume AARP recommends them as they don't understand it's just a mutually beneficial logo use to get royalties/get clients.
@annon123 generally speaking, in house captive agents do receive salary + benefits. They may earn a one time bonus based on production/quota. Usually no residual. When you leave employment, voluntarily or otherwise, you take nothing with you except a copy of your non-compete and NDA.
I can't tell you how many people I've come across that have DIY and enrolled in an AARP Med Supp and their $100 prescription plan. Many times they take two generics. Could have saved $100 per month on their prescription plan and probably $20-$30 per month in their Med Supp.
They decided to go with the name they knew and spent way more than they needed.
Same thing for Anthem/BX and their $100 PDP
- 1,833
Their high cost so called "enhanced" plan pays for most of the Rx cost for the expensive drugs, so the client may have those 2 Rx and pay, say $600 out of pocket, still be considered to have hit the catastrophic level ($2000) and about $95 or so a month for PDP premium. I don't get the behind the scenes "enhancement", but 2-3 of the higher cost plans this year saved clients not a huge amount but a few hundred dollars over the lower cost PDP's + OOP, due to the out of pocket being so much higher on the lower cost PDP's. Maybe after doing AHIP this week I will have more insight about how the sausage is made with enhanced drug plans. I know it's somehow the insurer is absorbing cost that counts towards MOOP, but that's what I know for now. And it's unfortunate that some folks mentioned in this thread didn't get help determining if the higher cost PDP's were their smartest option.
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