Training Videos
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✺ CRM Targeting
Week 2: Learn how to use the CRM more efficiently and your systems automated actions
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✺ Underwriting
Week 2: Learn how to screen clients that may or may not be eligible for medical underwriting.
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✺ Portal Navigation
Week 2: Learn how to navigate the portal & EZApp.
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✺ Business Modeling
FNB Preparation: Understand what it means to be self employed and maximize your leads & CRM. This video is most beneficial when you are ready for states and beginning to write business in your own name.
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✺ACA v. PA v. SA Pitch
A full one call close for a healthy client (Erica) including screen share. Part 1, Part 2, & Application.
Vocabulary List
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OCC means a one call close. This is when you run through the initial call, pitch benefits, and submit an application for a client!
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FNB is your First New Business. This is the first application you officially submit under your own name as a licensed and certified agent.
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The monthly premium multiplied by 12. This is what we are paid on each week and a metric used to track our production.
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Your policy is in effect, the client is approved, and you are getting paid!
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Clients go through “approval process” with medical history questions, insurance co has the right to decline applicants
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3 Submitted applications within the same day — pretty cool!
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Verification call; second step of the approval process.
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Doesn’t discriminate based on pre-existing conditions; can’t reject people.
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A supplemental part of the plan that includes Accident/Injury Protection, AD&D- accidental death & dismemberment, 24/7 Telemedicine- MDLive, etc. (not available in all states, but required in some others)
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Coverage is limited to providers who are within the plan’s network and require a doctor’s referral to see specialists.
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Coverage for out-of-network benefits, even stronger in-network, don’t require a referral to see specialists (nationwide)
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Coverage with exclusions for some out-of-network benefits for emergencies, still require referrals.
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Your score with USHA on policies submitted vs “taken” aka approved & paid for.
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Attending Physician's Statement- they’re pulling medical records (get with a leader).
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Explanation of benefits, not a bill, explains how the benefits were applied for the services rendered by client
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Golden Rule is a short term coverage option. Their plans usually will be for 30-90 days and utilize the UHC network. If you need help with a short term plan, ask Carson for his mom’s # and Ms. Janet can help!
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Medicare is federal funded healthcare for individuals over the age of 65. Some people can qualify for Medicare early if they are permanently disabled.
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Medicaid is federal funded healthcare for those who are under the federal poverty line. The qualifications will vary based on the client’s demographics, but it is for low income individuals and families. Check ACA quotes to see if your client may qualify!
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Underwriting & verification company owned by United Healthcare- varies by state.
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Affordable Care Act- “Obamacare”, Marketplace. Guaranteed-Issue, only during Open/Special Enrollment, State-specific plans
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The total amount you’ll pay for healthcare services before your co-insurance kicks in.
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Like an HMO, but more limited doctor choice w referral still necessary
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“Safety net” when it comes to the worst case scenario, where the client taps out and is covered 100% for the rest of the policy year.
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Upfront payment due at the time of service at a doctor’s office, doesn’t go towards deductible.
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The % of coverage after deductible that is owed by you vs the insurance company until your MOOP has been reached. i.e. 80/20- 80% covered, 20% client’s responsibility.
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Primary Care Physician
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Yearly Wellness- Dr Visit, Blood Work, Vaccinations, Pap Smear/ Mammogram / Colonoscopy