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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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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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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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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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