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FAQ

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First Steps

In order to become a Stella Health agent, you must first sign and complete the Independent agent onboarding packet. This packet is sent out via docusign to help make this process quick and easy.

Each packet contains a Producer Agreement. This agreement lays out all the ins and outs of the relationship and expectations between Stella Health and the agent. The packet also contains an Agent Profile, a document that asks for basic information such as name, email, phone number, and address. A Schedule “A” Agreement, a document detailing the commission pay out the new agent should expect to receive. A W9 Form, and a Direct Deposit Form.

A Career Agent would be an agent that is receives a salary and commission. Some of the great benefits Stella Health offers its Career Agents are trainings, professional development, paid time off, health benefits, 401k matching and more. The Career Agent is required to support existing clients with plan changes and bring new clients to the agency.  An Independent Agent is paid commission for every client enrolled and an annual residual commission for as long as the client remains on the health plan assigned. Essentially, independent agents are self-employed and building a book a business that can be sold.  Although agents are independent, the culture at Stella Health is of team collaboration, so no agent is on their own.

Of course! Once you have mastered the field you can become of a leader of your very own team and create a Sub Agency through Stella Health. Another exciting benefit we provide here at Stella Health Agency.

After completing the Stella Heath contract packet, we will ask for a copy of your State License, AHIP, and E&O

In order to create your own Sub Agency, Stella Health will require you to complete a General Agency Agreement contract packet. Just like the Career and Independent contract packet. The General Agency Agreement states the ins and outs of the relationship between your Sub Agency and Stella Health. The only difference is instead of receiving an Agent Profile we are going to ask you to fill out an Agency Profile. Again, the Agency Profile asks basic questions like the agency name, phone number, and email address for the sub agency. Also, if you are creating you own sub agency through Stella Health you must obtain your very own Business Entity License and create your own corporation. Now to go further into sub agencies in order to have the ability to create your very own team you must have a minimum of 5 agents within your sub agency including yourself. You must also maintain a minimum production count of 300, this is for a level 1 sub agency. Over time if you would like to grow your team to become a level 2 sub agency, you must have a minimum of 10 agents within your sub agency and maintain a minimum production of 600. As you can see there is plenty of opportunity for growth being an agent here at Stella Health. Exciting stuff, right?

License

In order to obtain your license, you must follow these steps.

  • Step 1 – First you must fulfill the state pre-licensing requirement of 40 hours of approved life, accident, and health pre-licensing study and 12 hours of approved pre-licensing study on ethics and the California insurance code.

  • Step 2 – You must fulfill the California resident fingerprint requirement. California requires fingerprints to be taken in order to perform a background check.

  • Step 3 – Take and pass the California State License Exam.

  • Step 4 – The final step you must apply for your State License.

It is as simple as 4 easy steps.

Yes! Stella Health works with ExamFX to help our agents get through the pre-licensing study training. Now what is great about this opportunity is in using Stella Health’s registration code on ExamFX this will give you a significant discount. ExamFX provides the pre- licensing training in two packages the Video Study Package at regular cost $209.95, and the Live online Study package at $249.99. When using Stella Health’s registration code when signing up for ExamFX it will bring down the prices for the Video Study Package to $59.95, and the Live Online Package to $89.95. What a great opportunity to save! Reach out to the onboarding specialist at Stella Health to get further information on how to receive the Stella Health registration code.

When you are ready to take your fingerprints for the California state requirement you must go to the Accurate Biometrics site to schedule an appointment for your finger print impressions. Here is the link for that site, https://accuratebiometrics.com/contact Also when attending your appointment for your fingerprint impression at Accurate Biometric you must bring along a completed Live Scan Request Form. Here is a link to that document, http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/upload/LIC44239AReqlivescan-4.pdf

When you are ready to take your fingerprints for the California state requirement you must go to the Accurate Biometrics site to schedule an appointment for your finger print impressions. Here is the link for that site, https://accuratebiometrics.com/contact Also when attending your appointment for your fingerprint impression at Accurate Biometric you must bring along a completed Live Scan Request Form. Here is a link to that document, http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/upload/LIC44239AReqlivescan-4.pdf

When you have complete steps 1-3 of the licensing process you are now ready to apply for your California state individual license. You must go to the Sircon website and complete an application for your state license. Here is the link for the site, https://www.sircon.com/products/apply.jsp

 

The entire cost of the licensing process will depend on and which study package you choose to take for the pre-licensing training California state requirement, and where you want to get your fingerprint impressions taken. The ExamFX fee (with Stella Health’s registration code) will be $89.95 for the Live Online Study Package, or $59.95 for the Video Study Package. The fingerprint impression will cost $59.00 through Accurate Biometric. If you choose to get your fingerprint impressions taken at the same time as your scheduled examination at the PSI testing center, this will cost $68.95. The cost of the state license examination is $88.00, and the two-year licensing fee (license application) will be $188.00.

 

Yes, you can obtain an out of state license as a non-resident for other states. Stella Health is currently contracted to sell all Medicare products with each carrier in the states of Arizona, California, Colorado, New Mexico, Nevada, and Texas. You are more than welcome to acquire any of those state license in addition to your required California state license. This can be completed within the Sircon website.

No, obtaining your business entity license is so much quicker than obtaining your individual state license. The steps to obtain you business entity license are as follows;

  • Step 1 - Reserve your business name for approval.

  • Step 2 – You must apply for your business license on the Sircon website.

  • Step 3 – Endorse an individual accident and health agent to your business entity. When applying for your sub agency license you theindividual that will be endorsed on the business entity must already have a California state individual license.

All steps 1-3 can be completed on the Sircon website. Here is the link to Sircon, https://www.sircon.com/products/apply.jsp

AHIP

An AHIP is a Medicare, and Fraud, Waste and Abuse certification. The AHIP certification is something each agent must complete on a yearly basis. Every agent must have this in order to become a Stella Health agent. The AHIP is also required to begin the contracting process for each insurance carrier.

Yes! If you need any assistance during your AHIP certification the onboarding specialist at Stella Health will be able to assist you. You may reach out to the onboarding specialist at anytime.

The fee for the AHIP certification is $175.00. #Stellahack Want to find out how to take your AHIP certification at a discounted price of $125.00? Speak with the onboarding specialist at Stella Health to find out more.

E&O

E&O stands for Errors and Omissions, an E&O is insurance coverage for licensed life and health agents. Another requirement for both Stella Health and each insurance carrier.

Great news! You can get your E&O through Stella Health. All you must do is sign an E&O request form and send over payment of $122.00. Once we received both you will be sent a copy of you E&O right away. Easy right?

Final Steps

Congratulations! Now you can begin the contracting process. The onboarding specialist at Stella Health will be working with you throughout this entire process. The onboarding specialist will send you direct links with the carriers you are interested in to start the certification and training process. Once you complete the required certification and training requirements for each carrier you will get your “Ready to Sell” status. Once you get this notification you can begin selling all Medicare products for that specific carrier.

Stella Health currently works with Aetna, Alignment, Anthem Blue Cross, Brand New Day, Central Health, Covered CA, Humana, LA Care, Promise, Scan, United Health Care, Vitality, WellCare, Blue Shield of California, and SilverScript. Stella Health also gives each agent the opportunity to sell top Life Insurance companies through a self quoting platform. Contact the onboarding specialist to find out more!

You may get contracted with as little or as many carriers as you would like, it is all up to you.

That all depends on you, after you complete all certification and training requirements it usually takes about 3-5 business days to receive your ready to sell status. The more on top you are on getting all requirements completed that faster you can begin to sell.

Great question, the answer to that is yes. Stella Health provides each active Career agent with support and guidance on how to successfully enroll a new member. If you would like any assistance with enrolling a new member please reach out to one of our wonderful sales representatives on how to do so.

Depending on which carrier you are contracted with you may have the ability to sign up for direct pay or you will receive your commissions through Stella Health’s Commission Department. Commissions are released periodically. When completing the contracting process with each carrier you will be given the time frame in which each monthly or weekly commission statement is released.

If you have any questions regarding the new agent onboarding, or contracting process you can reach out to contracting department at contracting@stellainsurance.com Direct (213)282-6208

 
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