2017 Training Catalog

Transcription

1 2017 Training Catalog Create. Support. Simplify.

2 Training Overview Agent Licensing Meeting (BCBSM and BCN appointment training) 2 CoverageForCompanies CoverageForCompanies Certification CoverageForCompanies Contribution Options CoverageForCompanies Refresher Menu, Products, & Processes Large Group Basics Small Group Basics Blue Cross Personal Choice PPO Selling Innovative Networks Consumer-Directed Healthcare: The Basics of HSAs, HRAs, and FSAs Medicare 101 Paperworking Smarter, Not Harder Technology & Tools Agent Resources Overview Blue esolutions Quoting and Group Wide Change Specialty Benefits GeoBlue: The What, Why, and How of Travel Insurance Group Specialty Products: Expanding Your Product Portfolio Individual Specialty Products: Expanding Your Product Portfolio Action Benefits Office and Parking Map 18

3 Need to get appointed? Become a Blue Cross Blue Shield of Michigan and Blue Care Network agent. Agent Licensing Meeting Agents are required to complete both online and classroom training to become appointed with the Blues. This two-hour classroom session is offered once a month and supplements the Blues web-based appointment training. The role of Action Benefits Working with the Blues The lifecycle of Blue groups Determining group size Group medical Specialty benefits Agent resources Commissions Agents will complete and submit all paperwork necessary for their appointment, and an agent number will be issued shortly thereafter. Important: Prior to attending an Agent Licensing Meeting, agents must complete the Blues online appointment training, available at: com/newagent/courses/lms-login.asp Access Code: MA To register, visit the calendar at

4 Dare to think differently about employee benefits. Deliver choice, budget control, and an exceptional shopping experience to your groups. CoverageForCompanies Agent Certification Private exchanges represent one of the fastest growing segments of today s health insurance market. CoverageForCompanies provides agents a free private exchange platform tailored to the unique needs of their small group clients, delivering access to Michigan s leading insurers, benefit budget control, and expanded employee choice. Agents are required to complete this certification training to gain access to the CoverageForCompanies portal. Support staff who will use the tool are also encouraged to attend. An overview of private exchanges CoverageForCompanies value Underwriting and business rules Products Employer contributions The CoverageForCompanies agent and employer portals The CoverageForEmployees portal You will be certified and prepared to present CoverageForCompanies to your clients, and will be granted access to the tool. Visit the calendar at to register.

5 Your clients face tough problems every day. Selecting the contribution model that fits their needs shouldn t be one of them. CoverageForCompanies Contribution Options CoverageForCompanies offers employers four distinct contribution models each with their own advantages. Selecting the option that best meets the needs of a group requires a solid understanding of each model, and also of the decision maker s goals. Defined contribution Identifying client goals Understanding member-level rates Understanding illustrative rates Contribution strategies You will enjoy a deeper understanding of the four contribution models available in CoverageForCompanies, how rates are developed, and how to position your clients to meet their goals.

6 Feeling like it s been a while? It never hurts to give your knowledge a check-up. CoverageForCompanies Refresher Webinar Like anything else, enrolling a group on CoverageForCompanies can feel intimidating if you haven t done it in a while. And, you want to make sure you re up to speed on new features. This one hour live refresher webinar walks participants through a new enrollment, from quoting to completion, and provides an opportunity to ask questions from a CoverageForCompanies expert. It s also a perfect option for support staff of certified agents to familiarize themselves with the platform. Visit the calendar at to register.

7 Big groups mean big opportunities. Are you prepared to assist clients with eligible employees? Large Group Basics With a multitude of plan options, two distinct rating methodologies, and unique concerns under the law, large groups require specialized support. This training is designed to help you navigate the fundamentals for groups with eligible employees, so you can provide them coverage from Michigan s leading health insurers, Blue Cross Blue Shield of Michigan and Blue Care Network. The definition of a large group Large group rating Large group underwriting The large group product menu Minimum value plans Quoting with RateEase Paperwork submission Specialty benefits Agent resources You will understand key aspects of the large group market, be able to leverage the tools and resources available to you from Action Benefits and the Blues, and possess the product and process knowledge to quote and enroll large business clients.

8 Small businesses drive Michigan s economy. Are you prepared to assist clients with 50 or fewer eligible employees? Small Group Basics Encompassing roughly a quarter of Michigan businesses, and subject to an array of unique regulations, the small group market presents both challenges and opportunities for agents. This training is designed to help you navigate the fundamentals for groups with 50 or fewer eligible employees, so you can provide them coverage from Michigan s leading health insurers, Blue Cross Blue Shield of Michigan and Blue Care Network. The definition of a small group Plan metal levels Member-level rating Small group underwriting The small group product menu Quoting Paperwork submission The CoverageForCompanies private exchange Specialty benefits Agent resources You will understand key aspects of the small group market, be able to leverage the tools and resources available to you from Action Benefits and the Blues, and possess the product and process knowledge to quote and enroll small business clients.

9 Savings come with innovation. Blue Cross Blue Shield of Michigan s newest product balances savings and member engagement. Blue Cross Personal Choice PPO Product Training Blue Cross Personal Choice PPO gives members access to the Blues broad PPO network, while driving premium savings and reduced out-of-pocket costs by leveraging Organized Systems of Care (OSCs). This innovative new approach to health care delivers exceptional value, but is subject to unique rules and requires heightened member education and engagement. Product and features Savings potential The marketing region Underwriting guidelines Member resources You will understand key aspects of Blue Cross Personal Choice PPO, what types of groups are a good fit for the product, the sales and underwriting process, and what members need to know to make the most of their coverage.

10 There s more to a network than coverage. Do you know how to save your clients money while improving care delivery? Selling Innovative Networks Blue Cross Blue Shield of Michigan and Blue Care Network (BCBSM and BCN) deliver the most comprehensive PPO and HMO provider networks available in the state. However, both carriers also offer plans that leverage innovative networks that drive savings for groups, while steering members to the highest quality care. Selling these plans effectively can deliver significant rewards for group clients and their employees. The how and why of innovative networks Applicable products Sales obligations Expectation setting Member experience Increasing member engagement Tools and resources You will have an increased awareness and understanding of the Blues innovative network products, and the features that make them effective. You will also be prepared to sell the appropriate plans, and educate members to ensure they receive the care they need at the lowest possible costs.

11 There s no such thing as a bad time to save. Consumer-directed health plans empower members to take control of their health spending. Consumer-Directed Health Care: The Basics of HSAs, HRAs, and FSAs Consumer-directed health (CDH) plans provide excellent opportunities for savings via the lower premiums of a high-deductible plan, and significant tax advantages. As a result, they have become one of the fastest growing segments in the health insurance market. This course will familiarize you with CDH account options and how they integrate with medical from Blue Cross Blue Shield of Michigan and Blue Care Network. Health Savings Accounts (HSAs) Health Reimbursement Arrangements (HRAs) Flexible Spending Accounts (FSAs) The Blues partnership with HealthEquity Implementation for groups Agent resources You will understand the fundamentals of CDH plans, key differences in spending account types, as well as the Blues products and enrollment process.

12 Help your clients golden years shine. Medicare training from Action Benefits can help you deliver peace of mind. Medicare 101 Seniors have unique concerns and equally unique options when it comes to health coverage. Medicare and Medicare Advantage products are subject to strict regulation, and can pose unique challenges for agents and their teams. While not a replacement for annual Medicare certification training, this course can help you navigate the fundamentals, to better equip you to work in the senior markets. An overview of Medicare Medicare Advantage Medigap Medicare Part D prescription drug coverage Resources for agents You will understand the key product segments associated with Medicare, the sales process, and the resources available to agents.

13 Improve your clients enrollment experience. Complete and accurate enrollment submissions make all the difference. Paperworking Smarter, Not Harder Action Benefits wants to make the new business submission process as smooth as possible for you, your team, and your clients. We ve developed a unique hands-on training, facilitated by senior members of our new business team, focused on improving the accuracy of your submissions and minimizing follow-up requests for missing or incomplete information that may jeopardize an effective date. A complete overview of required enrollment materials Common information and documentation requirements Collecting the right information from your group, and setting proper expectations The resources used by underwriters Common underwriting hold-ups Deadlines You will have a more thorough understanding of Action Benefits pre-underwriting process, and be better prepared to complete enrollment paperwork.

14 Critical tools at your finger tips. Action Benefits and the Blues provide agents convenient online resources. Agent Resource Overview Blue Cross Blue Shield of Michigan, Blue Care Network, and Action Benefits offer agents and their teams a variety of powerful online tools to assist in servicing and managing Blue business. From finding providers, to performing membership changes, and accessing key reports, renewal packages, and commission statements, leveraging these online resources can streamline your day-to-day operations. Bring your laptop for a hands-on learning experience. The Blue Cross agent portal Agent Book of Business ebilling emvp/mcs ebookshelf Action Web You will be able to register for and access key tools, and will possess the knowledge necessary to perform a variety of time-saving tasks online.

15 Quoting and group wide change made easy. Blue esolutions empowers agents working in the small group market. Blue esolutions Quoting and GWC The Blue esolutions tool enables agents to quote new and existing small groups, and perform common group wide changes for their clients, all at the click of a mouse. This powerful resource shortens turn-around time, while increasing an agency s in-office capabilities. An introduction to Blue esolutions Platform capabilities Quoting new business Accessing renewals Quoting for existing Blue clients Completing a group wide change Agent resources You will know how to access the Blue esolutions tool, and be able to navigate the system with ease.

16 Don t let your clients protection take a vacation. GeoBlue delivers exceptional international coverage from a trusted name. GeoBlue: The What, Why, and How of Travel Insurance Coverage from GeoBlue delivers an elite network of doctors in more than 190 countries, direct pay to providers, medical translation services, non-medical emergency assistance, innovative digital resources, and concierge-level customer support 24 hours a day at unbelievably low rates. It can also provide you a unique new revenue opportunity, with an attractive 15 percent commission. Topics covered include: The GeoBlue value proposition Individual short-term products Individual long-term products Group products The GeoBlue website and mobile app The appointment process Commissions You will understand the features that set GeoBlue apart from the competition. You will also possess the product and resource knowledge to sell GeoBlue to group and individual clients. Visit the calendar at to register for a classroom or web-based session,

17 Increase client loyalty and the value you deliver. Specialty benefits from the Blues bring a comprehensive approach to protection. Group Specialty Products: Expanding Your Product Portfolio Specialty benefits from LifeSecure and Dearborn National Life provide agents an opportunity to increase revenue, improve retention rates, and protect members from expenses that may not be addressed by their health insurance. Products Hospital Recovery Personal Accident Long-term Care Life Insurance Short-term Disability Long-term Disability Critical Illness Sales techniques Competitive positioning Commissions The appointment process You will understand the value proposition of specialty benefits for your group clients, and be able to identify new sales opportunities.

18 Deliver comprehensive protection and savings. Increase the value of coverage for your individual clients. Individual Specialty Products: Expanding Your Product Portfolio Specialty benefits help reduce financial strain on individuals by paying for costs not covered by health insurance, protecting their assets, and easing the recovery process. Paired with a medical plan, they can drive exceptional value, offsetting out-of-pocket costs, and providing much-needed funds when your clients need them the most. And, they can help you improve client retention and increase commissions. The need for specialty benefits The Blues specialty benefit partnerships LifeSecure Hospital Recovery LifeSecure Personal Accident Assurity Short-term Disability Assurity Long-term Disability Assurity Term Life Assurity Critical Illness Quoting Commissions The appointment process You will understand the value proposition of specialty benefits for your individual clients, and be able to identify new sales opportunities.

19 Visting Our Office Central Park Blvd EVERGREEN RD., SUITE 400 SOUTHFIELD, MI (ENTRANCE OFF OF CENTRAL PARK BLVD.) PARKING Convenient parking is available in the surface lots and structure directly north of the IHS Building. ENTRANCES FOR ALL LOTS ARE ON CENTRAL PARK BLVD.