You sold your first policy - now what...
When you make your first sale as a transfer you will want to check back with the leader who closed it for you and make sure all is going well. If there is a recall or an APS (Attending Physician's Statement) needed; be sure to ask if you can help. This may require you to call the doctor's office and make sure that they received the information request from Freedom Life. You will want to be EXTRA nice to these people because they can hold that up for you a really long time - so be sure to apologized for taking up their time, etc.
If this is a policy that you sold under yourself - than it is call your FNB!! FIRST NEW BUSINESS! And we celebrate that like craz!
30 Minutes prior to their V-Call send them this:
! ! Verification Call Reminder ! !
Your V-Call starts in 30 Minutes from Area Code (817 or 702) - be sure to answer; remember, if you have any questions please write them down to ask me after the call. Asking questions during the V-Call will prompt the verification specialist to stop the call, and we will have to reschedule. Please know that we can always address any concerns you may have or change any part of your policy before it goes into effect after approval. I'm happy to be assisting you as your personal health advisor!
10 Minutes prior to their V-Call send them this:
Your V-Call is in TEN Minutes :-) Thank you for your patience in the approval process! (Coming from Area Code 817 or 702)
Making sure your clients take their v-calls is the MOST important part! You will want to make sure your system on this is tight!
After they are in Pending Status under your "Sales Reports" under the "New Business" tab in your agent portal you will want to check on this daily to see if there are any notes. You can click on the persons name that is listed first in the list of their names and you will see notes if any listed there. You may see such things as:
VERIFY - means they have not yet completed their Verification Call yet
RECALL - this means they want to talk to the applicant to get more information on something, they will list it in the notes. At this point you will call the client and simply say "Hey__ just touching base to let you know that things are going great with your application so far. They do have a couple questions regarding......let's talk about that. OK so here is the number that you can call when you get a second and you can go over it with them like we just discussed now. #800-984-3607"
APS/EMSI - means they are requesting an Attending Physician's Statement from the doctor and the company we have that is doing the sending and tracking of the request is called EMSI
BL/UR - this means they want a blood an urine sample on the applicant, they and you will be getting an email with a letter attached with what the underwriters want exactly from the applicant
APP - means this is going to be paid for at the applicant's expense
MVR - means they are pulling Motor Vehicle Records, this applicant must have a DWI or DUI in their history.
When you see it say "IN FORCE" next to their name that means they were APPROVED and you are getting PAID!! THIS IS YOUR FNBI - FIRST NEW BUSINESS ISSUED! Get excited!
As soon as you see this, Send your client's this text:
_____ GREAT NEWS!!!!!! You were APPROVED for your health coverage! You'll receive an email to opt to go "paperless" shortly. If you don't select this option with in 10 days, you're Policy Packet with then be mailed to you. A Policy Review email from me as well will go out in 7-10 days. It will have all the numbers and links for online access to all the parts of your plan. You'll want to read through that carefully and let me know if you have any questions. When you get your packet via email or in the mail, shoot me a text and we can go over your plan for a quick policy review. It should take us no more than 5-10 minutes. You'll receive your ID Cards in a separate envelope about a week before your policy's start date. Again, congratulations on your approval! I'm and excited to have you as one of my new VIP Clients!! Ask me about our $100 Referral Program! Please reach out to me if you have any questions or concerns - I am here for YOU!
Here is the Policy Review Email you will send to each of them....
You simply, DELETE any information that does NOT apply to them and their policy. For example if they have a Emerald association, then delete all the other choices. If they do not have Income Protector, then remove that line entirely.
Their Account Numbers are the App ID Number in the sales report. You will see a different number for their health plan and for their association.
Hey XXX!
(PLEASE REPLY and let me know that you have received this email so I know it didn't get lost on its way to you!)
I am so happy to have you as one of my new VIP Clients. Below are all the links you will need to get yourself set up and to reference back to - SAVE THIS EMAIL for future reference, you'll need it. :-) Please call or text me and let me know if you have ANY questions with any of the information here. I always recommend my clients go through this BEFORE they need it! LOL That way when you are sick or something happens you are prepared beforehand. As a quick reference for you, YOUR nearest Walk In Clinics and Urgent Cares are listed below to help you to prevent unnecessary trips to the ER to keep your out of pocket costs lower.
You'll receive an email to opt to go "paperless" from USHEALTH Group/Freedom Life. If you don't select this option within 10 days, your Policy Packet will then be mailed to you. Your ID cards will go out a week before your coverage start date or sooner; you may have received those already!
Quick Reference - this does not include all your plan details, be sure to see your packet for all inclusions and exclusions that you receive from the company.
Primary Plan Policy Holder: Full Name
Your Plan is called: Premier Choice Secure Advantage Health Access
Your plan account number is - XXX
Your Wellness plan level is - 1 2 3 (Plus)
Your Association Level is: Executive Diamond Diamond Emerald Sapphire Ruby Pearl Entrepreneur Elite Executive
Your association account number is - XXX
Your Accident Protector is: $250 Deducible With $5,000 Accident Coverage
Income Protector (Short-term Disability): 30 day elimination period, $500 monthly benefit for 3 months
Your Life Protector is: Primary: (Value) Spouse: (Value)
Your Critical Illness benefit amount is valued at: Primary - Spouse - Children -
When you go to any doctor for the first time you'll want to email them or print and bring with you the Doctor Letter attached. You are not to pay at the time of service; ALL claims even preventative care that do not have a benefit amount need to be sent in to the insurance company first for the correct network reduction to be applied. The network reduction will be applied first, then the benefit amount if applicable. The doctor is then to bill you for the balance if any.
Reminder, wellness benefits have a 30-day waiting period from the start date. All other parts of your plan will begin immediately with the exception of any specific exclusions.
FIRST: save these numbers in your phone
* 727-514-1431 - Joanne L Cicora, Health Advisor (This is my cell phone, text or call whenever you need me. If it's an emergency, call me 2x in row and I will know that I need to get back to you asap.)
* 888-430-1519 MDLive (Call this anytime you are sick and want to talk to a doctor, they can send in a script for you if they see fit. See the website link below to download the app!) REMOVE THIS LINE IF THEY ARE IN A STATE WHERE THEY DO NOT HAVE AN ASSOCIATION ON THEIR PLAN if not remove this sentence.
* 800-387-9027 - US Health Group (This is the main number for any customer service issues you may need that I can't handle for you. Feel free to reach out to me first if you have any questions or issues.)
Here is the link for your USHealth Group Account:
You will need to create an account by entering in your plan policy number above and your email address.
https://myushg.ushealthgroup.com/
Here is the link for the AIBC/ABC/SCA Association part of your plan:
(The first time you click this link put your association account number in for your username AND your password and it will pull you up, you can continue to create your account from there. This is where you have lots of other discounts and benefits available to you such as roadside assistance, medscript prescription discounts, and lots more depending on your association level.)
https://www.aibcoalition.com/login.html
https://www.americanbusinesscoalition.info/login.php (for Health Access)
https://www.southernconsumers.org/login.html (Florida Ass.)
Here is the link for MDLive Account:
www.247doctorAIBC.com (for plans with an Association)
www.247doctorSCA.com (for plans with an Association in FLORIDA)
www.247doctorABC.com (for Health Access Plans)
You will either call the number above to activate your account or us the link below. You will need the “Primary’s last name and date of birth”
Please note: Do not go and simply download the app, you will be emailed a specific link that will be tied to your account. If you download the app you will be getting the public version and it will not be free.
Here is the link to look up all doctors and facilities in the your network(s):
https://www.ushealthgroup.com/ppo-networks/
If you are not sure of your network, you can find that information in your client portal or on the front of your card(s)
(USHealth Group Account listed above)
Finding Free or Less Expensive way to get:
Colonoscopies ** IMPORTANT
If you are planning on or have been ordered to have a colonoscopy, please contact me BEFORE you schedule it. Some facilities assume benefits. I want to make sure you’re not stuck with a large bill when we can save you money on the front end. I can help you find the best facilities and pricing for this procedure. I like to start by checking https://colonoscopyassist.com/.
Vaccines
https://www.cdc.gov/vaccines/programs/vfc/index.html
Mammograms
The National Breast Cancer Foundation
The National Breast Cancer Foundation partners “with medical facilities across the country to provide free mammograms and diagnostic breast care services to underserved women.” Click here to search for a location near you.
The Susan G. Komen Foundation
This organization has affiliates in 120 American cities. According to its website, its affiliate network “is the nation's largest private funder of community-based breast health education and breast cancer screening and treatment programs.” To learn what resources are available in your area, search for your local affiliate here. Once redirected, click on “Understanding Breast Cancer,” and then “Local Resources for You.”
Here are a few links to find medications at the best price in your area or through the mail:
* https://www.globalpharmacyplus.com/
* https://www.blinkhealth.com/
* http://www.canadapharmacyonline.com/
* https://www.lowestmed.com/rxadvocacy/
Walk In Clinics and Urgent Cares Near YOU:
Know before you go, Before you visit any Urgent Care Center, please call ahead to confirm:
It's in your network
Address
Office hours
(copy and paste walk in clinics here)
Feel free to refer me to your friends. If they become a VIP Client like yourself, you’ll receive a $100.00 check from the company after their second paid premium as a thank you! (REMOVE THIS IF THEY HAVE HEALTH ACCESS - THEY DON'T GET THIS IF THEY HAVE THIS PLAN)
I am happy to have the privilege of being your trusted health advisor and look forward to a continued relationship!
Sincerely,
XXX