Monthly Archives: March 2015

CMS Announces New Individual Special Enrollment Period

The Centers for Medicare & Medicaid Services (CMS) announces a special enrollment period (SEP) for individuals and families who did not have health coverage in 2014 and are subject to the fee or “shared responsibility payment” when they file their 2014 taxes in states which use the Federally-facilitated Marketplaces (FFM). This special enrollment period will allow those individuals and families who were unaware or didn’t understand the implications of this new requirement to enroll in 2015 health insurance coverage through the FFM.

For those who were unaware or didn’t understand the implications of the fee for not enrolling in coverage, CMS will provide consumers with an opportunity to purchase health insurance coverage from March 15 to April 30.  If consumers do not purchase coverage for 2015 during this special enrollment period, they may have to pay a fee when they file their 2015 income taxes.

Those eligible for this special enrollment period live in states with a Federally-facilitated Marketplace and:

  • Currently are not enrolled in coverage through the FFM for 2015,
  • Attest that when they filed their 2014 tax return they paid the fee for not having health coverage in 2014, and
  • Attest that they first became aware of, or understood the implications of, the Shared Responsibility Payment after the end of open enrollment (February 15, 2015) in connection with preparing their 2014 taxes.

The special enrollment period will begin on March 15, 2015 and end at 11:59 pm E.S.T. on April 30, 2015.  If a consumer enrolls in coverage before the 15th of the month, coverage will be effective on the first day of the following month.

For full article –

UnitedHealthcare and All Savers Commission Payments

We are happy to see lots of activity with the UnitedHealthCare Products.

For those that have found success in partnering with us on these products – Congratulations on your sales!!!

We hope you found the implemenation process with Benefits Network & the carrier to be smooth. With that being said, we hope you are beginning to reap your rewards…Are you receiving your commissions from the carrier?

UnitedHealthCare (for UHC Traditional Products) and UnitedHealthOne (for AllSavers Alternative Funding Products) are structured to pay you (or your agency) directly.

If  you are not receiving commissions 30-60 days after the clients effective date, or have any questions about your UHC Commission Structure, assistance can be found by contacting the carriers Broker Service Line.

UnitedHealthcare Broker Services (for United Products): The helpful shortcut provided by our contact Josh Trembulak is…

  • Dial:       1-888-842-4571
  • select Option 1,
  • if you do not know (or have) a policy number – key in seven Zeros (0) and #
  • Say yes
  • Select Option 4 for commissions

UnitedHealthOne Broker Service Center ( for All Savers Products):

  • Dial:       1-800-474-4467
  • For commission select Option 3
  • Enter Producer Number (if unknown, stay on the line to be directed to a representative)


Highmark SEP Off-Exchange Enrollment Online

Starting Feb. 21, 2015, you can complete the entire Special Enrollment Period (SEP) enrollment process for off-exchange plans online, including both the:

  • SEP attestation
  • Highmark application

This helps you save time (no more paper forms) and reduces opportunities for human error. That’s why we encourage you to use the online process to enroll your SEP customers in off-exchange plans.

Please see the SEP reference guide for information about how to use the online SEP enrollment process.

If you have any questions, please contact your Highmark individual sales channel consultant.

Highmark Billing Issues Causing Delays in Some Commission Payouts

As many of you are aware, Highmark is experiencing billing delays for some group and individual clients for December, January and February, due to the large volume of enrollment activity. Commission is generated when premium is received, so billing issues can directly impact commission payout accuracy. We apologize for the inconvenience to you and your clients.

A SWAT team has been organized to fast track the fixes for the delays. In the meantime, please assure your clients Highmark is focused on getting this resolved as soon as possible. While it is currently challenging to investigate each issue, we ask for your patience as we resolve this problem globally and pledge to keep you informed with updates as soon as they become available.

When the issues are resolved and Highmark receives premium, your full commission will be paid. Again, we apologize for this inconvenience and ask for your patience.