HealthSpring: Quote and Enroll

1Getting Around HealthSpring

1. 1
   Sign in to the HealthSpring broker portal.

   You land on the Dashboard.

   

2. 2
   Find Quote and Enroll on the left and Book of Business on the right.

   Book of Business is every policy you have written.

   

3. 3
   Click HealthSpring Supplemental Benefits under Quote and Enroll.

   You can also click HealthSpring Supplemental in the left menu, then Quote and Enroll.

   

2Start a Quote

1. 1
   Type the client's Zip Code.

   The State fills in on its own.

   

2. 2
   Type the Date of Birth of the person you are talking to.

   That is the primary applicant. This screen takes one applicant only.

   

3. 3
   Pick Gender, then click Quick Quote/Apply.

   

4. 4
   Check the state at the top right of the next screen.

   Every state has its own prices. Wrong state, go back and fix the zip code.

   

5. 5
   Use only three products on the list.

   Flexible Choice Dental, Vision & Hearing Plus. Choice Accident. Flexible Choice Cancer - Lump Sum, which we build into a critical illness plan with riders.

   

3Dental: Pick the Family Type

1. 1
   Click Flexible Choice Dental, Vision & Hearing Plus.

   Select Customized Coverage.

   

2. 2
   Open Coverage Type and pick one of the four.

   Individual. Individual & Spouse/Domestic Partner. One-Parent Family. Family.

   

3. 3
   Individual is one person, 18 or older.

   There is no child-only policy.

   

4. 4
   Individual & Spouse/Domestic Partner is two partners.

   They do not have to be married. Two brothers, or a mom and her daughter, do not fit here.

   

5. 5
   One-Parent Family is one parent plus 1 to 6 children.

   One child or six, the price is the same.

   

6. 6
   Family is two parents plus 1 to 6 children.

   A child is anyone up to 25. At 26 they need their own policy.

   

4Dental: Set the Benefit and Read the Price

1. 1
   Set Maximum Benefit to $5,000.

   We always sell the $5,000.

   

2. 2
   Read the quote at the top right of the price grid.

   That is the $100 deductible with preventive services covered at 100% from day one. It is the number you give the client.

   

3. 3
   Know what moves the price: state, family type, and the age bucket.

   The buckets are 49 and under, and 50 and over. The policy prices by the oldest person on it.

   

4. 4
   For a couple or a family, click Applicant 2 on the right and fill it in through Gender.

   First Name, Last Name, Date of Birth, Gender. The premium recalculates on its own.

   

5. 5
   Watch the premium when the second person is 50 or over.

   It jumps to the over-50 price even if the first person is younger.

   

6. 6
   To quote another age or state, go back to the first screen.

   Change the Date of Birth or the Zip Code there. The total premium at the top adds up every product you have picked.

   

5Choice Accident

1. 1
   Click Choice Accident and select Customized Coverage.

   

2. 2
   Pick the Coverage Type.

   Individual, couple, one-parent family or family, same four as dental.

   

3. 3
   Under the benefit levels, click Premier.

   $25 a month in most states. A few states are a little less.

   

4. 4
   Leave every Optional Rider unchecked.

   Only the state and the family type change this price. Age and gender do not.

   

5. 5
   To see one product's total on its own, set the other product's Coverage Type back to Please Select.

   That takes it out of the total at the top.

   

6Flexible Choice Cancer: Our Critical Illness Plan

1. 1
   Click Flexible Choice Cancer - Lump Sum and pick the Coverage Type.

   

2. 2
   Set Benefit Amount to $10,000.

   

3. 3
   Check Lump Sum Heart/Stroke Rider and set it to $10,000.

   That is a separate $10,000 for heart attack and stroke.

   

4. 4
   Skip Lump Sum Cancer Benefit Builder Rider.

   

5. 5
   Check Specified Disease Benefit Rider and set it to $10,000.

   That is the plan: the base, the first rider, the third rider. Nothing else.

   

6. 6
   For a couple, enter both birth dates.

   This product has many age buckets and prices by the oldest person. We offer it to clients 40 and over on ACA calls.

   

7Start the Application

1. 1
   Keep every product the client is buying checked.

   Each product can have its own Coverage Type. A couple on dental and an individual on accident is fine.

   

2. 2
   Type the First Name and Last Name of every applicant on the right.

   Start Application stays grey until the names are in.

   

3. 3
   Click Start Application.

   HealthSpring runs one application per product, one after the other, and carries your answers forward.

   

4. 4
   Children are added later, on their own tab inside the application.

   

8Applicant Information

1. 1
   Fill in Applicant 1.

   First Name, Last Name, Date of Birth, Gender, Phone, Email, SSN or ITIN, Street Address, City, State, ZIP.

   

2. 2
   Answer Is your mailing address the same as your residential address.

   Yes for most clients.

   

3. 3
   Fill in Applicant 2 the same way if there is one, then click Next.

   

4. 4
   If you get a Verification Error, check three things with the client.

   Name, date of birth and Social Security number must match. Confirm the full address, then click Proceed with Application.

   

9Additional Information and Beneficiaries

1. 1
   Enter the primary applicant's Height and Weight.

   

2. 2
   Fill in the beneficiaries.

   Applicant Name, Name of Beneficiary/Estate, Date of Birth, Relationship to Applicant, Primary or Contingent, Percentage of Benefit.

   

3. 3
   Let each applicant pick their own beneficiary.

   Couples usually pick each other. They do not have to.

   

4. 4
   If one person has two beneficiaries, make the percentages add up to 100.

   

5. 5
   Prior or Other Coverage: answer No, No, No.

   Unless the client is replacing a plan.

   

6. 6
   Read each health question to the client and mark the answer they give. Click Next.

   

10Billing Information

1. 1
   Payer is other than Insured: No.

   Yes only when someone else pays. Then fill in the payer's details.

   

2. 2
   Type the Routing Number.

   The Financial Institution fills in on its own.

   

3. 3
   Pick the Account Type and type the Account Number.

   

4. 4
   If it says the account number could not be validated, read the number back with the client and try again.

   After a few tries it lets you proceed anyway.

   

5. 5
   Requested Withdrawal Date: 28.

   If the client asks, any day from the 1st to the 28th.

   

6. 6
   Bank Consent Verification Questions: Yes and Yes. Click Next.

   

11Final Steps and Submit

1. 1
   Required Forms: Yes, then B, then No.

   Yes, the blank packet was provided. B, Outline of Coverage. No, the applicant is not with you in person. Click Next.

   

2. 2
   Effective Date Request: leave Date of Approval.

   Coverage starts as soon as it is approved. Pick Request Date only when the client asks for a specific date.

   

3. 3
   Attest Yes and Yes.

   

4. 4
   Ask the client for a Security Question, a Security Answer and a 4-digit Security PIN.

   Write them down for the client.

   

5. 5
   Is this an agent family business: No.

   

6. 6
   In Florida, type your agent license number. Click Submit.

   The next product's application opens right away.

   

12Choice Accident Application

1. 1
   Beneficiaries: one per person.

   Leave it blank and the benefit goes to the estate.

   

2. 2
   Prior or Other Coverage: No for Applicant 1 and Applicant 2.

   

3. 3
   Required Forms: Yes, B, No. Click Next.

   The forms go to the client on their own once you submit.

   

4. 4
   Effective date: Date of Approval. Attest Yes and Yes.

   

5. 5
   Reuse the same security question, answer and PIN. Agent family business: No. Click Submit.

   

13Dental Application

1. 1
   Answer the same questions as before. Billing is the same.

   

2. 2
   Effective Start Date: leave the 1st of next month.

   Dental always starts on the first of the next month.

   

3. 3
   Same security question, answer and PIN. Agent family business: No. Click Submit.

   

14Before You Close

1. 1
   Each policy is submitted on its own, even though they share your answers.

   

2. 2
   Run every product in one go only when the same primary applicant is on all of them.

   

3. 3
   If one policy has a different primary applicant, quote and submit that one separately.

   

4. 4
   Click Book of Business on the Dashboard to see the policies you wrote.

   

★What We Sell and How We Set It

Withdrawal date defaults to the 28th. Effective date defaults to Date of Approval, except dental, which starts on the first of next month.