Category: January 2011

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Connections January 2011: Agent Newsletter - HumanaOne

January 04, 2011

Agent Workbench: Your Go-to Tool for Quotes and Applications

At Humana, we're always on the lookout for ways to make our products not only attractive to the consumer, but easy for our agents to sell as well. With that in mind, we developed a new program that gives you the tools to make the sales process easier for you and the consumer alike.

Introducing Humana's Agent Workbench, or AWB. AWB is the fast, efficient way to get quotes, and submit and process applications all with a convenient and easy-to-use online interface.

AWB was built from the ground up with input from independent insurance agents who understand the value of delivering hassle-free quotes in a time frame that's convenient for both agents and their buyers.

To reach AWB:

Sign into the Agent portal and you'll find the link at the bottom right on the page. It's that easy. Everything you need for quotes, and submitting and processing applications can be found within AWB.

It's very important that you complete the electronic signature e-mail process with your clients.

  • Follow up with them within a day or two of their application completion to make sure they received their electronic signature e-mail and completed the process
  • Applications are not submitted to the Enrollment Center for processing without the electronic signature
  • Applications submitted without an electronic signature will lead to a delay or potential denial of application

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Tips for Streamlining Life and Supplemental Paper Application Process

Tip 1: Faxed applications MUST be paid using bank draft or credit card payment; no checks. Each application except the Junior Estate Builder contains a bank draft and credit card authorization section that should be completed when faxing an application. Junior Estate Builder only allows bank draft (not credit card payment). The bank draft authorization form for the Junior Estate Builder can be found on Humana.com via the Agent Portal. To find the forms, take these steps:

  1. Visit Humana.com and sign into the Agent Portal
  2. Click on "Marketing & Products"
  3. Under "Marketing/Order Marketing Materials," click "HumanaOne"
  4. Click "HumanaOne" on the next page
  5. Click "Life and Supplemental Insurance"
  6. Choose state
  7. Choose product
  8. Click on "Required for Sale"
  9. Look for the Junior Estate Builder Bank Authorization Form

Tip 2: When mailing an application and paying using the direct bill method, please be sure a payment check is included.

Tip 3: If the person paying is different from the person being insured, the person paying must fill out ALL payor information.

Tip 4: Taping items (i.e. voided checks, bank slips, etc.) directly to paper applications can cover required information and cause processing delays. Please tape items to a blank piece of paper and forward with the application.

Tip 5: Make sure all product- and state-specific supplemental forms are filled out in order to avoid delays and other problems. To find the forms, take these steps:

  1. Visit Humana.com and sign into the Agent Portal
  2. Click on "Marketing & Products"
  3. Under "Marketing/Order Marketing Materials," click "HumanaOne"
  4. Click on "HumanaOne" on the next page
  5. Click "Life and Supplemental Insurance"
  6. Choose state
  7. Choose product
  8. Click on "Required for Sale"
  9. Look for the forms below

Tip 6: For the "Critical Illness Cash Plan" additional healthcare provider information is needed if applicant or applicant spouse is age 60 or older. If this is not included, there could be delays. Be sure to provide your client the paper form or use the Agent Workbench for electronic applications. To find this form, take these steps:

  1. Visit Humana.com and sign into the Agent Portal
  2. Click on "Marketing & Products"
  3. Under "Marketing/Order Marketing Materials," click "HumanaOne"
  4. Click "HumanaOne" on the next page
  5. Click "Life and Supplemental Insurance"
  6. Choose state
  7. Choose product
  8. Click on "Required for Sale"
  9. Look for the Health Care Provider Information Form

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Policyholder Life and Supplemental Insurance Forms Now on Humana.com

Now it's easier than ever to find helpful, commonly used life and supplemental insurance policyholder forms. Just log on to Humana.com for life and supplemental insurance forms for:

  1. Claims
  2. Service (including many forms required when making changes to a policy)
  3. Billing

It's just one more way we help provide tools to make your job easier!

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Updated Underwriting Guidelines Can Help You Work Smarter

Last August, Humana updated underwriting guidelines for life and supplemental plans. The guidelines for each product can help you do all this more efficiently than ever:

  • Help your clients
  • Identify who is eligible for the product
  • Fill out the application correctly
  • Reduce errors
  • Find and fill out the correct forms
  • Understand all the options and riders (this information can also found on the Plan Summary)
  • Understand the product's features, benefits and any limitations (this information can also be found on the Plan Summary)
  • Offer better answers to your clients' questions

You can check out all the updated guidelines on the agent portal at Humana.com

  • Visit Humana.com and sign on to the agent portal
  • Click on "Marketing & Products"
  • Under "Marketing/Order Marketing Materials," click on "HumanaOne"
  • Click on "HumanaOne" on the next page
  • Click on "Life and Supplemental Insurance"
  • Select your state
  • Select the product
  • Click on "Sales Tools & Marketing"
  • Scroll down to the product's "Underwriting Guidelines"

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More Plans Now Available in More States

At Humana, we're always adding to the menu of life and supplemental insurance plans we offer in the states we serve. The most recent additions to our product offerings are these:

  • Florida – Hospital Cash Plan
  • Georgia – Critical Illness Plan
  • Maryland – Junior Estate Builder
  • New Jersey – Memorial Fund

It's easy – and very important – to stay up to date on what's offered in your state.
Be sure to read the newest:

Product Availability
(471 KB) Download PDF
English

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Low Cost Individual Dental Insurance Now Available with Medical Plans

Great news!

Effective December 17, 2010, you have another dental option to sell with a medical plan: Preventive Plus. We've made it easy and affordable to add dental benefits to a member's health plan through the same quoting and application process as medical. In addition, if a member is approved for a health plan, they are automatically approved for dental.

You also have the opportunity to sell a Preventive Plus dental plan to existing members with no additional underwriting necessary.

Preventive Plus Dental Plan

This plan allows clients to see any dentist, but clients can save up to 28% on out-of-pocket costs by visiting a dentist in the HumanaDental PPO network.

In-Network benefits include **:

  • Preventive services - 100%, no deductible, including oral exams and routine cleanings
  • Common basic services - 50% after deductible
  • Major & Orthodontia services discounts – up to 28% off if your client visits a dentist from the PPO network and asks for the discount
  • My Dental IQ - a dental risk assessment at MyDentalIQ.com that takes only minutes to complete, and immediately delivers a scorecard with health tips tailored toward your client

** Some states require alternate benefit options.

Annual deductible:

  • $50 individual
  • $150 family
Annual maximum benefit:
  • $1,000 per member, per calendar year

States with new product availability:

AL, AR, FL, GA, IL, IN, KS*, LA*, MO, MS*, NE, NV, NM, NC*, OH, OK*, SC, TN, TX, VA*

States with existing product availability

AZ*, CO, MI, UT, WI

*Due to state legislation, providers may provide members the discount, but are not contractually obligated to do so.

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