Commissions

Percentage is % of premium members pay for coverage to health insurance carrier, except BCBS policies with CEP

plus possible bonuses - depending on sales and retention, please inquire for current details

 

AARP United 

Medicare Supplements effective 6/22 and later: Plan F or G $310 years 1-6, then $40 yearly. Plan N $250 years 1-6 then $30 yearly 

Effective before 6/22: Medicare Supplement $210 to $348 years 1-6 if Plan A C, F, G or N. $105 years 1-6 if plans A, K, or L.

Guaranteed Issue outside Open Enrollment period: 50% of the above

Lifetime Renewal Commissions complicated schedule - available upon request

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Medicare Part D Rx plans $81 or $78 for initial Part D plan, $41 or $39 if not new or renewal

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Medicare Advantage plans $539 or $510 if new to MAPD plan, $270 or $255 if not new to MAPD

Lifetime Renewal Commissions complicated schedule - available upon request

   

Aetna Medicare

 

Medicare Supplement 20% of premium in years 1-6, 4% for yrs 7+, 8% if Guaranteed Issue

 

Group size 1 enrolled employee $8 per enrolled employee per month regardless of dependents

Group size 2-4 $12 per enrolled employee per month regardless of dependents

Group size 5-24 $22 per enrolled employee per month regardless of dependents

Group size 25-50 $30 per enrolled employee per month regardless of dependents

   

BCBS

Individual ACA plans   $20 per adult per month, $10 monthly per child

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Individual policies effective 3/1/2011 and after, or who changed plans after Oct 2010, without association discount year 1 of policy: 10% of CEP, then 5% thereafter of CEP

 

CEP = commission eligible premium, which does not include rate-ups, surcharges or rate increases (ie CEP is the lowest 'preferred' rate at

initial enrollment, not total or actual premium, and not of premiums after future years' renewal rate increases)

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Individual policies effective 3/1/2011 and after, or who changed plans after Oct 2010, WITH association discount year 1 of policy: 8% of CEP, then 4% thereafter of CEP

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Individual policies effective before 9/1/07 that have not changed plans since Oct 2010 5%

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Individual policies effective 9/1/07 - 2/25/11 that have not changed plans since Oct 2010 11.0% 

Individual with association discount effective after 9/1/07 until 2/25/2011 that have not changed plans since Oct 2010 8.0%

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Group

Group size 1-3 $6 per enrolled employee per month

Group size 4-25 $24 per enrolled employee per month, $27/person 1st policy year only

Group size 26-50 $22 per enrolled employee per month, $24/person 1st policy year only

 

Medicare

Part D Rx plans sold prior to 2020: $55 for 1st year, $27.50 annually for years 2-6 of contract

Part D Rx plans sold after 2020: $78 for 1st year new to Part D, $39 annually thereafter

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Medicare Supplements effective before 1/1/08: 14% the 1st year, 12% for months 13-71, then no commissions after

month 72 of contract.

Medicare Supplements effective 5/1/17 to 5/1/22: 1st year: $250 unless Guaranteed Issue, then $125

Years 2-6: $20.83 per month, if Guaranteed Issue, $10.41 per month

Years 7-10: $6.25 per month

Medicare Supplements effective 5/1/22 to 5/1/23: 1st Year: $420, Years 2+ $20.83 per month 

Medicare Supplements effective 6/1/23 and later: 1st Year: $380, Years 2+ $20.83 per month 

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Medicare Advantage MAPD sold prior to 2020: $429 for 1st year, $215 for renewal years

Medicare Advantage MAPD sold after 2020: $510 for 1st year new to MAPD, $255 for renewal years

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BrightHealth

Individual $20 per member per month, for up to 5 members per policy.

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CIGNA

Individual$17 per member per month, $45 monthly per family.

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Medicare Supplement  

20% years 1-6, 3.5% years 7-10, 1% thereafter. If Guaranteed Issue,

1.5% for years 1-6. Commissions are not payable on premium

attributable to the Part B deductible in Plan F. Commissions are paid

on the initial premium only and not on increase in premium.

   

IHC

 

Short-term medical plans 18%

   

IMG International Medical Group

 

10% for Patriot plans, 15% for Global Series plans

      

Humana

Humana Individual 0 (nothing) for plans effective after 4/2/16

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Groups of 1 enrolled employee

 

75% of what you see at http://blackgould.com/documents/compensation/groupcomm.pdf

Groups of 2-5 see http://blackgould.com/documents/compensation/groupcomm.pdf

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Medicare Advantage $408 the 1st year, $204 if renewal or if product change

Medicare Advantage effective in 2022 $573 the 1st year, $287 if renewal or if product change

Medicare Advantage effective in 2023  $601 the 1st year, $301 if renewal or if product change

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Medicare Part D Rx plan $56 for 1st year in Part D, $28 if renewal or not new to Part D

Medicare Part D Rx plan effective in 2022 $87 for 1st year in Part D  $44 if renewal or not new to Part D

Medicare Part D Rx plan effective in 2023 $92 for 1st year in Part D  $46 if renewal or not new to Part D

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no commissions for Humana Enhanced PDP

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Lasso Medicare Advantage plans

$601/1st year if new to Medicare, then $301 for renewal years

$301/year if not new to Medicare

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Mutual of Omaha

 

Mutual of Omaha Medicare Supplements ages 65-80

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18% of premiums years 1-6, 4.5% years 7-10, 0% years 11+.

Commissions paid on initial premium, not increases.

50% of the above for Guaranteed Issue policies or clients over 81 yrs

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National General

 

Short-term medical plans 20%

  

Oscar

Individual ACA plans$18 per member per month, up to 5 per policy

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SilverScriptMedicare

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Part D Rx plans $63 for 1st year in Part D, $32 if renewal or not new to Part D

Part D SmartRx plans - no commissions for those sold 2023 or later

Part D Rx plans sold in 2019 or prior: $34 renewal

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United

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Groups of up to 2 enrolled employees $6 per enrolled employee per month

Group size 3-4 $10 per enrolled employee per month

Group size 5-25 $30 per ee per month / $24 per ee upon renewal

Group size 26 or more $25 per ee per month / $22 per ee upon renewal

plus possible bonuses from United- depending on retention

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Short-term plans: 22% for short-term Plus, 25% for short-term Elite, 27% for short-term Value

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WellCare​

Part D Rx plans $87 if new to Part D, $44 Renewals (annual commission)