Archive for the ‘Humana’ Category

Broker Bonus Programs

Earn more in 2021 by leveraging the broker bonus programs below.

Small Business Incentive Program

Earn points for every sale that qualifies for Blue Shield’s new Small Business Incentive Program (June 2021 to January 2022 effective dates) and other broker bonus programs. Then redeem your points for rewards from hundreds of great options, such as gift cards, electronics, products for your home, and more. Or convert your points to cash with a Visa gift card. Best of all, there are no complicated tiers or calculations required!

You Can Earn

• 100 points per member who enrolls in a Trio HMO or Tandem PPO plan as part of the initial sale.
• 50 points per enrolled medical member on all plans excluding Trio HMO and Tandem PPO plans as part of the initial sale.
• 10 points per enrolled new member in a small business dental plan.
• 5 points per enrolled new member in a small business vision plan.
• 5 points per enrolled new member in a small business life insurance plan.
• 40 points (2X bonus) per new member who enrolls in all three – dental, vision, and life.

With the Producer Rewards points-based bonus program, each point is equal to one dollar. Plus it’s easy to keep track of your point status and what you’ve earned.

Learn more about the Small Business Incentive Program and Producer Rewards Program. Enroll in the Blue Shield Producer Rewards Program today.

Groups written through Claremont are eligible for this program.

California Broker Mega Bonus Program

Earn a $5,000 bonus for groups with 25-100 enrolled employees. Effective dates from July 1, 2021 to September 15, 2021 are eligible. Expires September 15, 2021. Download the Cigna + Oscar Mega Bonus Program flyer.

2021 Broker Bonus Program

Earn a $350 bonus for every Cigna + Oscar group with four or more enrolled employees. Effective dates from April 1, 2021 to December 15, 2021 are eligible. Expires December 15, 2021. Download the Cigna + Oscar 2021 Broker Bonus Program flyer.

Broker Rewards Program

Sell Delta Dental’s small group plans, including plans from their new Small Business Program portfolio and qualify for the retention and new sales bonuses. Effective dates from January 1, 2021 to December 31, 2021 are eligible.

Retention Sales Bonus
Retain at least 90% of your book of business through 2021 and earn a bonus on your existing business and qualify for new sales rewards. The more you retain, the more you earn.

• 3% bonus when you retain 90%-94.9% of your existing business.
• 4% bonus when you retain 95%-100% of your existing business.

New Sales Bonus
Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received. And this rewards program is in addition to your existing standard small business commission.

• Level 1: 3% bonus – 5 new groups or $150,000-$499,999 new premium.
• Level 2: 4% bonus – 15 new groups or $500,000-$999,999 new premium.
• Level 3: 5% bonus – 25 new groups or $1,000,000+ new premium.

You’ll be automatically enrolled with your first sale. The small business rewards dashboard provides a real-time view of your earnings progress. Expires December 31, 2021. Rewards will be calculated and paid after December 31, 2021. Download the Delta Dental Broker Rewards Program flyer.

Welcome Back Specialty Bonus

Earn up to $750 when you sell your first dental and/or vision case if you haven’t written a case with Humana in the last 12 months. Groups must be 5+ enrolled. Effective dates from July 1, 2021 through December 31, 2021. Expires December 31, 2021. To learn more, download the Welcome Back Specialty Bonus flyer.

Bundling Bonus – Sell a Bundle, Earn a Bundle!

To earn a bonus, sell new specialty lines of coverage with the same employer group and initial effective dates of coverage between August 1 and December 31, 2021.

Place stand-alone specialty lines of coverage or add specialty lines of coverage to a new or existing Humana group medical customer and earn:

• Groups with 5-99 eligible enrolled employees (must be at least 5 enrolled):
  – $500 bonus when you sell dental and vision coverage.
  – $1,000 bonus when you sell dental, vision, and life coverage.
• Groups with 100+ eligible enrolled employees:
  – $1,000 for dental and vision coverage.

Specialty lines of coverage include dental (including voluntary dental), vision (including voluntary vision), life, and accidental death & dismemberment (AD&D). Expires December 31, 2021. To learn more, download the Bundling Bonus flyer.

Specialty Growth Bonus

Earn an initial bonus of up to 5% as a percentage of paid compensable premium and a Specialty Net Growth Factor of up to 140% from a producer’s net gain or loss of enrolled employees.

Eligible products are group term life (including AD&D), group term voluntary/supplemental life (including AD&D), group vision (including voluntary vision), and group dental (including voluntary dental). Expires December 31, 2021. To learn more, download the 2021 Producer Partnership Plan brochure.

Leaders Club Program 2021

Earn Leaders Club points through new medical and qualifying specialty plan sales or Go365 results to qualify for awards including a trip to Banff National Park in Canada for the Leaders Club 2022 event. Effective dates of coverage are from January 1, 2021 to December 31, 2021. Expires December 31, 2021. To learn more, download the 2021 Producer Partnership Plan brochure.

Multi-Product Advantage

Earn 1.5% additional broker compensation when selling dental plus two coverages.
How it works:

• Step 1: sell a dental plan and at least two new coverages from two or more different product groups.
• Step 2: verify qualifying criteria and ensure that each case has dental coverage, 10-99 eligible lives, and 10+ lives enrolled in each product. All coverages must be sold and implemented at the same time.
• Step 3: earn an additional one-time payment of 1.5% of the annualized premium for each product sold.

No expiration. Download the MetLife Multi-Product Advantage flyer.

2021 Bonus Programs

Production Bonus
The more you sell, the higher the bonus factor. Whether you sell several smaller cases or just a few larger cases, you can qualify for a production bonus based on new sale credits for each of these qualifying coverages or services.

Persistency Bonus
The more premium you retain the higher the bonus factor.

Qualifying For The Production and Persistency Bonus Programs

Earn one new sale credit for each of these qualifying coverages or services:

• Voluntary or non-voluntary dental, STD, LTD, life or vision.
• Employer-sponsored individual disability insurance.
• eBenefits Edge Total Management (Total Management) services sold.

Earn one-half credit for voluntary accident or voluntary critical illness. Expires December 31, 2021. Download the Principal Broker Bonus flyer.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

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Humana 2021 Bundling Bonus Extended

Sell a Bundle, Earn a Bundle!

To earn a bonus, sell new specialty lines of coverage with the same employer group and initial effective dates of coverage between August 1 and December 31, 2021. Sell stand-alone specialty lines of coverage, or add specialty lines of coverage to a new or existing Humana group medical customer.

Small Group – 5-99 Eligible Enrolled Employees

• $500 bonus when you sell dental (5 enrolled) + vision (2 enrolled) coverage.
• $1,000 bonus when you sell dental (5 enrolled) + vision (2 enrolled) + life coverage.

Large Group – 100+ Eligible Enrolled Employees

• $1,000 bonus when you sell dental + vision coverage.

Specialty lines of coverage include group dental (including voluntary dental), group vision (including voluntary vision), group term life, and accidental death & dismemberment (AD&D). To learn more, download the Bundling Bonus flyer.

Coverage Features

Dental

• Unlimited Annual Maximum plan available for all types of services, including Implants.
• Extended Annual Maximum included on $1000, $1500, and $2000 maximums – 30% coinsurance coverage after network discount and maximum benefit is reached. Does not apply to implants or ortho services.
• Waive preventive services rider on Annual Maximum (same as DPM on Delta).
• No waiting period for 10+ enrolled.
• Ortho available for child only and/or adult and child on 2+. Invisalign is covered as an alternative treatment for ortho, subject to policy provisions.
• 12-month rate lock.

Starting with new business effective January 1, 2020, all PPO, Preventive Plus, and traditional Preferred plans will include these new features in preventative services:

• Additional routine cleaning and exam now includes three routine cleanings and exams per calendar year (two previously allowed).
• Periodontal cleanings are now covered as a preventive service (100%). Four periodontal cleanings per calendar year now covered under preventive services (previously these cleanings were covered as a basic service, subject to deductible and coinsurance)
• Increased age limits on select services. Sealants and topical fluoride treatment are now covered through age 16.
• Out-of-network (OON) preventive services are now being reimbursed at the 95th percentile and will result in 93% of OON claims being covered in full. OON urgent care for basic and major services is reimbursed at the 90th percentile.

Vision

• $100, $130, $150, $160, and $200 frame allowance options.
• No employer contribution required.
• Three plan platforms (Exam Plus, Full Coverage, Materials Only).
• EyeMed Insight nationwide network includes both retail providers and private practice doctors.
  – 75,000+ participating providers (52,000 independent/22,000 retail).
• 2-year rate lock.

Basic Life/AD&D

• Conversion/waiver of premium.
• Accelerated death benefit.
• AD&D riders included: seat belt/airbag/helmet, paralysis, repatriation, common carrier, education benefit, child care benefit, and coma.
• Optional dependent coverage.
• Three age reduction schedules available (#3 offers the best).
• 2-year rate lock.

Voluntary Life (Participation – Five Lives Enrolled)

• Increments or percentage of salary up to $500,000.
• Flat benefits for spouses and children up to age 26.
• Portability included.
• 2-year rate lock.

Contact us today for a Humana quote.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Humana – Enhanced Preventive Care

Help your groups promote overall well-being through oral care by considering first-time dental coverage or upgrading and replacing their existing plans. Humana’s Enhanced Preventive Care, Extended Annual Maximum, and Unlimited Annual Maximum offer worry-free benefits and comparably priced plans that help your clients attract and retain top talent.

Enhanced Preventive Care

Enhanced Preventive Care benefits cover many services to help employees achieve and maintain their best oral health and save on out-of-pocket expenses.

Advantages

• Three routine exams/cleanings per year.
• Four periodontal maintenance cleanings per year – covered as a preventive service.
• No cross-reduction of benefit frequencies.
• Out-of-network (OON) preventive services are reimbursed at 95th percentile. OON urgent care for basic and major services are reimbursed at 90th percentile.
• Increased age limits for select services. Sealants and topical fluoride treatment are now covered through age 16.
• Space maintainers for children.
• Oral cancer screenings for members aged 40 plus.

Humana’s Enhanced Preventive Care is available with all Traditional Preferred, PPO, and Preventive Plus plans. Download the flyer to learn more.

Enhanced Preventive Care

Extended Annual Maximum

With Humana’s Extended Annual Maximum, employees won’t have to worry about maxing out their benefits and put off important dental procedures for themselves or their covered dependents.

The Extended Annual Maximum is available immediately after the annual maximum for a plan is reached, and there’s no cap on the dollars paid in a year. Plus employees can save money with access to network discounts and 30% coinsurance, even after their annual maximum has been reached (does not apply to implants or ortho services.)

Advantages

• All employees and their dependents have the same benefits.
• The plan is easy to describe and administer.
• Employees can use the benefit beginning day one.

Humana’s Extended Annual Maximum is included in all Traditional Preferred (Plus) and PPO plan groups of two or more. Download the flyer to learn more.

Extended Annual Maximum

Unlimited Annual Maximum

Humana’s Unlimited Annual Maximum option helps employees get oral healthcare when and where they need it, and avoids the potential risk of more serious health conditions.

Simplify your clients’ dental benefit program by eliminating maximum limitations and offering unlimited coverage with coinsurance for covered preventive, basic, and major care.

Advantages

• Immediate dental care.
• Replaces the need for complex benefit programs like rollover and not applying preventive services to an annual maximum.
• Great option to plans that offer annual maximums in excess of $2,000 or have dual choice options.

Humana’s Unlimited Annual Maximum is available in all Traditional Preferred (Plus) and PPO plan groups of two or more. Download the flyer to learn more.

Unlimited Annual Maximum

Contact us today for a Humana quote.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

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