MEDICARE SUPPLEMENT BASICS
These are the three possible processing paths for Med Supp applications.
What are Open Enrollment (OE), Guaranteed Issue (GI), and Underwriting (UW)
Commissions are paid this many business days after approval.
What is 14 Business days?
What does UAD stand for?
Unearned Advance Debt
Agents must submit this kind of application to receive commissions.
What is a agent application?
Agent applications will have the HASH code of 2460720307.
Other applications, such as Direct-to-Consumer (DTC) applications, are considered non-commissionable.
COMPAS can be searched using name, DOB, state, MBI, or this number.
What is the AARP membership number?
Commission cycles run on these two nights.
What are Tuesday and Thursday?
Med Supp commissions are paid as this type of advance.
What is a 9 month Advance?
(Unless the agent opts-in for monthly payments)
This many months of the 9‑month advance appear under UAD Activity column of the commission statement.
What is 8 months?
Pulling the household up in this system helps verify AOR.
What is COMPAS?
AARP Medicare Supplement plan renewals start in this month.
What is the 10th Month?
If a client qualifies for OE, what is the medical underwriting requirement?
What is none?
Monthly commissions continue even if the member has not yet done this.
What is paid their premium?
A chargeback of unearned advance months when the member terms early.
What is a debt transfer?
TRUE OR FALSE
Plan changes from one AARP Medicare Supplement plan to another AARP Medicare Supplement plan are commissionable.
FALSE
Plan changes from one AARP Medicare Supplement plan to another AARP Medicare Supplement plan are NOT commissionable.
No new commissions will be paid out.
These are the two most common search methods in PCH.
Applications processed through GI outside open enrollment (OE) pay agents this percentage of annual commissions.
What is 5%?
(except in the following states, where required: CO, CT, FL, ID, IN, MA, MN, MT, NY, OR, SC, TN, VT, WA and WI)
To calculate commissions quickly, multiply the annual rate by this.
What is .75 (75%)?
TRUE OR FALSE
Each month the member remains on the plan the UAD balance will decrease
True!
This code identifies a valid agent application.
What is Hash ID 2460720307?
TRUE OR FALSE
As of 10/1/25 agents are no longer able to enroll members into DVH plans?
TRUE!
New enrollments and plan changes in the standalone UnitedHealthcare Dental Vision, Hearing Plans (DVH) insured by UnitedHealthcare Insurance Company were discontinued as of October 1, 2025. Renewal commissions for these plans will continue for any existing policy.
Special situations, such as moving out of a service area, that allow enrollment outside OE.
What is Guaranteed Issue (GI)?
Name 2 AARP Medicare Supplement payment exceptions where commissions process differently or are non commissionable.
-An AARP Med Supp plan change to another AARP Med Supp plan, without a gap in coverage, is non-commissionable.
-For those who are under the age of 65 as of their AARP Med Supp effective date.
*For a list of states that do receive commissions under the age of 65 view the Med Supp tab for the year in question on the Commission Rate Guide.
-Commissions are not payable for any sale of an AARP Med Supp where the applicant’s premium is paid by a third-party payer (this does not include family or friends of the applicant).
-Applications that are processed through Guaranteed Issue outside of the consumer’s Open Enrollment period, agents will receive 5% of the annual commissions.
*For a list of states that pay full commissions for GI applications view the Med Supp tab for the year in question on the Commission Rate Guide.
TRUE OR FALSE
If a member disenrolls within the first 9 months (advance debt balance), a debt transfer will occur for all of commissions that agent has been paid for the member
FALSE
If a member disenrolls within the first 9 months (Advance Debt Balance), a debt transfer will occur for the # of months the member was NOT on the plan.
Name 2 reasons for a Med Supp AOR Update?
- App is not found in their Jarvis portal under their valid Agent ID
-The agent mis-keyed their agent ID on the application
-The agent forgot to add their Agent ID to the application
TRUE OR FALSE
If the state requires the replacement notice to be submitted with the application and the agent does NOT submit the replacement notice with the application, the application will process as normal agent application and the agent will be reflected as the AOR.
False!
If the agent does not send in an RN in these situations the application will still be processed as a non-agent application and the agent will NOT be reflected as the AOR.
In order to correct this the agent would need to submit the RN to the Medicare Supplement team.