Sales Procedure Manual [PDF]

Sales Procedure Manual. AmeriValuePlan is an association consumer benefit plan that provides members with significant sa

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Sales Procedure Manual AmeriValuePlan is an association consumer benefit plan that provides members with significant savings on certain purchases, as well as supplemental insurance through specific group coverage plans. It is an excellent complement to healthcare plans, including major medical plans, especially high-deductible plans. Through membership in America’s Health Care Consumer Association (AHCCA), AmeriValuePlan provides members with significant: • • •

Health Savings Consumer Savings Business Savings

All AmeriValuePlan members also automatically receive group insurance coverage for: – Dental – Vision – Accident Medical – Critical Illness – Accidental Death & Dismemberment

Certain services and benefits may not be available in all states. Exclusions and limitations apply.

AmeriValue Plan is not available in Maine, New York, North Carolina, Oregon, South Dakota, and Washington. GUARANTEED ACCEPTANCE---There is no underwriting for the AmeriValuePlan. All clients who enroll will be accepted, as long as they pay the monthly fee and join the association: AHCCA (through which the benefits of the plan are provided). This plan structure also means that representatives selling memberships do not need to be licensed or appointed insurance agents. AmeriValuePlan does not require agent licensing or carrier appointment because it is an association product, and the insured benefits are provided as part of the association membership through group policies issued to the association. Plan Administrator – Protective Marketing Enterprises, Inc. (PME), Irving, Texas.

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1. Sales Representative Sign-Up • • •

To sell AmeriValuePlan, you must be contracted with the marketing company and have an Enroller Agreement with AHCCA. All Sales Representatives are enrolled through a manual process with AHCP Agency Services. Please contact your manager to obtain the appropriate paperwork. Please be sure to submit copies of you W-9 with your AmeriValue Appointment Paperwork.

2. Accessing the AmeriValuePlan Agent Portal • • •

Go to www.amerivalueplan.com Click on Sales Rep login Log in with the User ID and Password provided via email upon completion of your contracting with AmeriValue.

3. States Where Product Is Available AmeriValuePlan is not available in Maine, New York, North Carolina, Oregon, South Dakota, and Washington. In addition, certain benefits and features may not be available to residents of all remaining states. As of July 2008, the following state exclusions apply: • Critical Illness Coverage – Not available to residents of Connecticut • Dental Insurance – Not available to residents of Louisiana, Maine, Massachusetts, Montana, Nevada, North Carolina and Utah. • Vision Insurance – Not available to residents of Alaska, Delaware, Hawaii, Idaho, Iowa, New Hampshire, North Dakota, Rhode Island, Vermont, Washington D.C. and Wyoming. The AmeriValuePlan website (www.amerivalueplan.com) will be updated with any changes to state availability of various features of the plan. Please be sure to review the website periodically.

4.Issue Ages AmeriValuePlan is available to applicants ages 18-64. The Family plan includes spouse and dependent children. Please note: Critical Illness on Family plan includes primary member and spouse, not dependent children.

5.Supplies You can download the brochure, application, and savings example online at www.amerivalueplan.com/resources.

6. Providers of Insured Benefits – Dental: Group Dental Service of Maryland, underwritten by National Guardian Life – Vision: National Union Fire – Accident Medical: Guarantee Trust Life Insurance – Critical Illness: National Union Fire – Accidental Death & Dismemberment: Guarantee Trust Life Insurance

Carriers subject to change, review website from time to time. Benefit details, including exclusions and limitations, are available on the AmeriValuePlan website (www.amerivalueplan.com) and in the Member Guide that is provided to members. Enrollers who wish to receive a sample Member Guide should contact their managers. 2

7. Submission of Applications Representatives may sell AmeriValuePlan via phone/internet or paper/face-to-face. The preferred method of submitting applications is online. This will provide you the fastest service in terms of providing your client membership materials and in processing your association sales commissions. -On-line electronic submission: OPTION 1: - Go to www.amerivalueplan.com - Click on Enroll Now - Enter your Agent ID and click Next - You must complete all items highlighted in red to submit the application - Enter complete information on the applicant, including dependent information (if Family plan) and payment information—credit card or bank draft. -An acknowledgement receipt will be sent via e-mail to the applicant, so be sure the correct email is included on the application. OPTION 2: -Application is entered on your personal replicated Web site (see 16. Website Tools for set up instructions) by clicking through to the Membership Enrollment part of the site - Enter complete information on the applicant, including dependent information (if Family plan) and payment information—credit card or bank draft. -An acknowledgement receipt will be sent via e-mail to the applicant, so be sure the correct email is included on the application. -Paper submission: -Fill out the paper application with the applicant. -Then you may either enter the same information online and submit electronically (retaining the paper form for your records) OR -Fax the application to the AmeriValuePlan administrator at: 888-626-0833 -An acknowledgement receipt will be sent via e-mail to the applicant, so be sure the correct email is included on the application.

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8. Application Processing/Fulfillment Once you have submitted the application: • The member is mailed the member kit, which includes full details on benefits and how to access them. In addition, the applicant can visit the AmeriValuePlan website at any time to view benefit details: www.amerivalueplan.com. You should provide the website address in your sales presentation.

9. Application Status and Fulfillment Date Status updates on business you have submitted can be found by logging into the agent portal part of the AmeriValuePlan website. You may enter this through the Home Page of AmeriValuePlan (www.amerivalueplan.com). From the homepage, select Agent Portal Login on the navigation bar near the top of the page. You must enter your ID and password in order to access this section of the website. Sales representatives will be able to see the date when applications have been received by the administrator and the date when fulfillment kits have been sent. To see this information: • Log in to the AmeriValue Agent Portal (www.amerivalueplan.com) • Click on View Members • Fill in the information for the client you are searching for – a minimum of two fields must be completed in order to search the database • The specific client information sheet will include their enrollment information and fulfillment information

10. Effective Dates of Coverage/Drafting All AmeriValue members are effective on the date of their enrollment. Please note, however, that certain insured benefits, including Dental Insurance and Vision Insurance will not be effective until the 1st of the month following enrollment. Example: Member enrolled on February 15th. The benefits listed above will be effective on March 1st. Each member will be billed on the date that their enrollment is received in the system. Every month thereafter, they will continue to be billed on the same day each month. Exception – Any member enrolled on the 30th or 31st of a month will be moved to the last day of the month, and then maintained at the new bill date. Example: Member enrolled on October 31. In November (which only has 30 days), they will be billed on the 30th. In December and January, they will continue to be billed on the 30th. In February (which normally has only 28 days), they will be billed on the 28th. In March, and moving forward, the will continue to be billed on the 28th.

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11. Member Fulfillment -New Member fulfillment kits are generated daily, including ID cards, and mailed to members. The ID cards contain the AmeriValuePlan Customer Service number and other information needed to access certain member programs. -The Vision portion (for all applicable states) will be mailed directly from National Union and should be received within 5 business days from enrollment.

12. Billing AmeriValuePlan will support: • Monthly EFT or credit card payment  See 10. Effective Dates of Coverage/Drafting for more information. • Direct billing is NOT available CHECKS WILL NOT BE ACCEPTED. Credit card statements will show charge as “PME AmeriValue.” Please be sure to mention this to your clients. Lack of Payment – if a member does not make payment because either ACH rejects or Credit Card declines, a letter will be generated and mailed to the member. AmeriValue Agents can choose to receive daily persistency reports, which will notify you of failed payments on your members. For more information about generating reports, please see 16. Website Tools.

13. Pricing Individual Family

$59.00/month $99.00/month

One-time Enrollment fee*

$25

NOTE: Family membership is for individual, spouse and eligible dependent children. No limit to the number of eligible dependent children who can be included in family membership. Dependent children are defined as children up to the age 19 or up to the age of 23 if a full-time student.

14. Compensation -Association commission advances (pooled) are paid weekly. - The commission cycle is Monday through Sunday. - Association commission advances are paid/released on the following Wednesday. Date of posting to your account depends on your bank’s procedures – you will generally see these commissions on Thursday. - At the time of this publication, advance commission statements will be emailed to you weekly. Interest is charged on association commission advances. This rate may vary from time-to-time. As of May, 2008, the rate was 1% per month. 5

-Advances are only paid via EFT. Commission detail is available on-line at the AmeriValuePlan agent portal (Agent Portal)

-Earned association commission extracts are generated each week, on Monday, and emailed directly to you. -If there is no association advance balance, earnings are paid if there is a $25 minimum amount to be paid. If less than $25, the earnings will be held as credit until they are $25 or more.

Please refer to your manager if you have any questions about your association commission level. --Association Advancing • First-year association commission advance is available for all levels • To be eligible for association commission advancing, Agent must have signed a Marketing Agreement. Advancing must be approved by the agent’s Sales Management • Association advance amount – 6 months upon issue --Renewals • Association commissions are level, so renewal association commissions are paid at the same rate as first-year association commissions.

15. Service/Changes -Changes to coverage: -Cancellation requests must be made in writing, by mail or email, to: AmeriValuePlan Administration 4929 W. Royal Lane, Suite 200 Irving, TX 75063 -cancellation during the free look period (30 days) will receive refunds - cancellations after the free look period will not receive refunds -Add / delete coverage and persons covered: -Contact AmeriValuePlan Customer Service at: (888) 416-2764

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16. Website Tools: The AmeriValuePlan website (representative section) provides our sales representatives with a number of tools to help in the sales process. Agent Replicated Websites: --All agents can receive a replicated website. The replicated website will appear the same as www.amerivalueplan.com, but will automatically contain your Agent ID number and contact information and an “Enroll Now” link. --To obtain your replicated website, please contact Agency Services at 877.228.8773. Download Materials: Download copies of brochures, the savings example, and applications at www.amerivalueplan.com/resources. Agent Portal: The Agent Portal allows you to view your current members, enroll new members, view your agent information and more. Be sure to thoroughly explore the portal. Available Reports: You can choose to receive the following reports: Persistency Report, Communications, Miscellaneous Charges, Refunds, Reimbursements, Reinstates, Replacement Kits, Save Techniques, Terminations, Waives and Credits. To generate these reports, log in to the Agent Portal through www.amerivalueplan.com. On the left-hand side, select Reports. Select the report, roll up statistics, and frequency, and choose “Next”. Commission Reports: Earned commission reports will be emailed to you weekly. You can also retrieve these reports from your back office by selecting Agent History. You will be able to click and download each weekly commission statement.

17. One-Call Customer Service---FOR MEMBERS AmeriValuePlan features one-call Customer Service---one toll-free number where members can call for any questions they may have about their plan. This number appears on the AmeriValuePlan ID cards and is prominently shown in the member fulfillment kit. You can refer your AmeriValuePlan clients to use this number Monday through Thursday 8 am-6 pm, and Friday 8 am-3 pm Central time. (888) 416-2764

www.amerivalueplan.com For additional information, send email to [email protected] or call your sales manager. Agents should call their manager for questions or call Agency services at (877) 228-8773. AVP-SPM-101608 7

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