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ACA INDIVIDUAL MARKET COMMISSION CHANGES
As we near the beginning of the 2019 Open Enrollment Period (OEP), we’re excited to make the following announcement for our ACA Individual Market members and our producer community.
We’ve listened to feedback from our members and responded with a redesigned product portfolio and the lowest-ever price increase in our ACA segment. Our 2019 products will include:
- Lower deductibles on most plans (including a $0 deductible plan!) – over 2/3 of renewing members will see their deductible go down in 2019
- More copay-based benefits
- More care at little or no cost sharing
- Benefits that encourage appropriate, cost-effective-site-of service utilization
- Plans designed to encourage primary care and preventive benefit utilization
Product Training is also being released today under a separate announcement.
Most importantly to you, our valued producers, we are increasing commissions in central Pennsylvania.
Effective January 1, 2019, for renewals and new sales, Highmark is increasing commissions in Central Pennsylvania on all Highmark Health Insurance Company (HHIC) EPO plans. For any PPO plan business (HHIC and Highmark Select Resources), Highmark will pay commission only on renewals.
The new 2019 commission structure for on- and off-Marketplace will be as follows:
Contract Type
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EPO
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PPO
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New contracts with issue date in 2019
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$20 PMPM
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$0 PMPM
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Renewal contracts with issue date in 2018 or earlier
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$10 PMPM
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$5 PMPM
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- PMPM = per member per month
- Commissions for renewing contracts during the 2019 calendar year will adjust on the anniversary of the issue date
- Commissions are applicable only to contracts renewed during the Open Enrollment Period (OEP) (Nov. 1 – Dec. 15)
- Zero ($0) commission will be paid on contracts written outside of the OEP
- There remains a maximum of five members per contract
- Renewal commissions are paid on terminated policies only if there is less than 6 months lapse in coverage from termination date to Jan. 1, 2019
Please do not hesitate to contact U65TrainingCertification@highmark.com with any questions. We appreciate your business and presence in our communities.
Best regards,
Mark Nave
Senior Vice President, Government Markets |
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| *This email is intended for producers in Central Pa. |
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| Insurance and/or benefit administration may be provided by Highmark Blue Shield, Highmark Select Resources, Highmark Health Insurance Company, Highmark Benefits Group or Highmark Senior Health Company, all of which are independent licensees of the Blue Cross and Blue Shield |
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