SureBridge: Changes on Oct. 14: Taking payment at issue & New HospitalWise GI states

Coming soon, on October 14th, 2022….

Initial payment processed at time of issue, starting Oct. 14

Due to overwhelming agent demand, initial payments will be processed at the time of issue for The Chesapeake Life Insurance Company (CLICO) applications signed and submitted on October 14 and after. This will apply to all states and all CLICO products.

Why take payment at time of issue?
Processing payment at time of issue will help ensure your clients have no issues with their payment method helping to avoid delays in activating the plan on the effective date.
• Your clients can feel confident they have secured coverage with payment and will seamlessly start their plan on their effective date.
• It will allow us to pay earned commissions as soon as possible, which we know is especially important during AEP/OEP.

What if my client’s application has already been submitted?

Applications received before 8 p.m. Oct. 13 will have initial payment processed on the effective date or issue date, whichever is later.

 

What if I have clients who want initial premium taken closer to the time of their effective date?

If you are unable to help your client appreciate the benefits of applying now with initial payment taken for a future effective date, then their application will need to be submitted much closer to the desired effective date of the plan. This will allow the initial payment taken at time of issue to be nearer the plan effective date. Please be sure to communicate the payment expectation to your customers, so they are prepared for funds to be taken at time of issue (which for most products is 1-2 days after application submission).

 

Guaranteed Issue HospitalWise launching in 10 more states Oct. 14!

SureBridge is excited to announce,10 more states will soon have the SureBridge branded HospitalWise product with guaranteed issue availability!  On October 14, the guaranteed issue offerings will be available in AK, IA, ID, MT, ND, OR, SD, UT, WV, WY.  

Now your clients, especially those with Medicare Advantage or ACA Marketplace plans, can apply for supplemental hospital coverage with no underwriting*. Even better, the plan premium and agent compensation will remain unchanged. That’s right, your clients can still access our competitive rates even if they purchase the guaranteed issue version of the plan!

Quoting the new guaranteed issue option is easy.  Simply choose a base benefit and rider benefits that fall within the thresholds found in the GI column.

 

Remember, HospitalWise GI has already launched in AL, AR, AZ, CA, CO, CT, DE, FL, GA, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NV, OH, OK, PA, SC, TN, TX, WA, WI.

 

If you’ve never considered offering HospitalWise to your clients, this guaranteed issue offering presents a great opportunity to start! View this highlight sheet to see what HospitalWise has to offer.

 

If you have any questions – reach out to Michelle Kapp with CSM. 

SureBridge: HospitalWise makes a great companion to Medicare Advantage and ACA plans!

SureBridge is offering a Guarantee Issue Hospital Indemnity plan for all ages 0-90 starting September 16, 2022.

There is no underwriting if the GI amounts are chosen, and the premium and commission rates will be staying the same. GI is only applicable when all benefit levels fall within the very competitive GI thresholds as indicated by SureBridge.  See the attached highlights flyer for details. Non GI plans will still be available for flexibility of benefit amount selection.

If you’ve never considered offering HospitalWise before, now is the perfect time.  Available in 31 states including OH, KY, IN & MI.

AEP and OEP…

are just around the corner!

As you gear up for the selling season, consider how SureBridge products underwritten by The Chesapeake Life Insurance Company can help you offer the ancillary health coverage that your clients may need!

 

HospitalWise State Approval

 

HospitalWise Highlight Sheet

 

Why Ancillary?

HospitalWise Indemnity

Ancillary products are a great way to help ease potential blows to the budget, especially for costly medical events like a hospital stay.  A HospitalWise Hospital Indemnity plan could help with your client’s out-of-pocket exposure, whether it’s a substantial deductible in an ACA plan or the hospital copays in a Medicare Advantage plan.

The HospitalWise plan provides a daily benefit for hospitalization. Designed for flexibility, optional riders can be purchased for additional benefits if other conditions are met, such as an ambulance ride, a visit to the ER, or even a prolonged stay in a skilled nursing facility.  Your clients will love the fact that the benefits are paid directly to them; the payments are theirs to use as they see fit.

 

Questions?  Contact Michelle Kapp to discuss the benefits of adding SureBridge to your product portfolio.  614-763-2257

SureBridge: Producer Support and other SureBridge service reminders

Producer Support closing early Friday and other SureBridge service reminders

Work is beginning on the conversion to our new policy administration system. All member portal websites will be unavailable this Friday night (8/26), through Sunday (8/28). In addition, the Customer Service call center and Producer Support will be closing early Friday (8/26) at 3:30 CT.

Expected timeline of upcoming changes:

• Aug 24 -29: System conversion for remaining in-force business on the “old” system, excluding List Bill customers (to be converted in Oct. 2022). Policy changes cannot be made until the business is fully converted to the new administration system. ChesapeakePlus.com will be unavailable for login; messages will be up to let site visitors know.

• Aug 30: Any policy changes received (and suspended) during the system conversion will be released. Billing, changes, etc. with active policies will resume.

• Sept 16: Customers will be emailed about the new customer website and how to register

 

Special Notes:

List Bill Customers
Although List Bill groups are not being moved at this time, access to ChesapeakePlus.com will not be available to this group starting Aug. 24. We expect to move these groups in mid-October. We will email you, and them, about changes and access to the new member website.

Agent Self-Service Tool, myportal.surebridgeinsurance.com
This tool will continue to be available for Agent use. You can use it to make changes on behalf of your customer – like an address change, request for duplicate ID cards, or even cancel a plan if need be. Bookmark myportal.surebridgeinsurance.com for quick access.

• Remember requests/changes cannot be made Aug. 24 – 29 until the system move is complete.

Commissions
Commission amounts may be different for a short time in September and/or October due to the collection of pro-rated premiums and billing draft date changes. Once full monthly premiums begin regular posting on new billing dates, you’ll see full regular commission payments again. Advances, if applicable, will be made based on the full commissionable premium amount.

UnitedHealthcare
SureBridge-branded products are underwritten by The Chesapeake Life Insurance Company, which is a UnitedHealthcare company. The UnitedHealthcare brand will be introduced over a period of time to Agents and customers. Its first appearance will be on the new member website coming in September. We are excited about this introduction and will be sharing more in the future on how to begin to leverage this in your conversation with customers.

 

If you have any questions/issues please contact your CSM representative!

SureBridge Moving to New Policy Administration System – Final Steps

Sourced from SureBridge Broker Communication from 7/27/22:

Over the past 2 years we have kept you informed of new SureBridge business moving by states to be supported on our new policy administration system. This move typically meant a change in billing dates for most and a move to our new member website. We are excited to announce the end of this conversion process and move all remaining “old” business (i.e. any business not on the new system) to our new policy administration system at the end of August. Here is what you and your customers can expect:

  • July 29: Letters mailed to customers who do not have a 1st of the month billing date. The letter will tell them about:
    • If their billing date will change
    • How their plan premium will be collected (some may have a pro-rated amount drafted/charged)
    • A new member website that will be coming mid-September and will replace ChesapeakePlus.com.
  • Aug 15: Emails sent to customers registered to use ChesapeakePlus.com letting them know this site will be unavailable after Aug. 24. A new website is coming soon to help them manage their plan.
  • Aug 24 -29: System conversion for remaining in-force business on the “old” system, excluding List Bill customers (to be converted in Oct. 2022). Policy changes cannot be made until the business is fully converted to the new administration system. ChesapeakePlus.com will be unavailable for login; messages will be up to let site visitors know.
  • Aug 30: Any policy changes received (and suspended) during the system conversion will be released. Billing, changes, etc. with active policies will resume.
  • Sept 16: Customers will be emailed about the new customer website and how to register.

Special Notes:

List Bill Customers
Although List Bill groups are not being moved at this time, access to ChesapeakePlus.com will not be available to this group starting Aug. 24. We expect to move these groups in mid-October. We will email you, and them, about changes and access to the new member website.

Agent Self-Service Tool, myportal.surebridgeinsurance.com
This tool will continue to be available for Agent use. You can use it to make changes on behalf of your customer – like an address change, request for duplicate ID cards, or even cancel a plan if need be. Bookmark myportal.surebridgeinsurance.com for quick access.

  • Remember requests/changes cannot be made Aug. 24 – 29 until the system move is complete.

Commissions
Commission amounts may be different for a short time in September and/or October due to the collection of pro-rated premiums and billing draft date changes. Once full monthly premiums begin regular posting on new billing dates, you’ll see full regular commission payments again. Advances, if applicable, will be made based on the full commissionable premium amount.

UnitedHealthcare

SureBridge-branded products are underwritten by The Chesapeake Life Insurance Company, which is a UnitedHealthcare company. The UnitedHealthcare brand will be introduced over a period of time to Agents and customers. Its first appearance will be on the new member website coming in September. We are excited about this introduction and will be sharing more in the future on how to begin to leverage this in your conversation with customers.

We are excited about the changes that are coming and look forward to better serving you and our customers. Please keep watch of your email as we send future announcements and updates, keeping you informed of our progress.

Producer Support is here to help answer any questions you may have. Use this quick guide for contact information as well as other general assistance.

SureBridge: Benefit Change Option for Existing DVH Product

Sourced from SureBridge communication on 5/24/22:

We recently communicated about price adjustments on the SureBridge Prime DVH product for new business and in force policies with customers receiving an increase at 6 months in some states (AK, ALAZ, CA, CT, DC, GA, ID, IL, KS, KY, ME, MI, MN, MO, ND, NE, NV, OH, OK, PA, SC, TX, UT, VA, WI, WV, and WY).

Understanding some budgets may not allow for a rate increase, we are offering an option that may help. Customers who have been impacted by the 6-month rate increase and would like to lower their benefit level to make the premium more affordable, can contact Customer Service directly at 800-815-8535 or contact their agent to have the change made on their behalf.  We are allowing waiting period credits, accumulators, etc. to remain as they are at their current level with the move to a lower benefit. Those who received a 12-month rate increase notice already have the option to move to a lower benefit level.

Please note:

  • This change is only allowed within the existing DVH policy and does not allow customers to move to a standalone dental or vision.
  • A customer that exercises this option with their DVH policy does not trigger a new first year commission period or a commission advance.

SureBridge: Billing Changes and New Customer Website for New Business Only

Sourced from SureBridge Broker Communication from 5/4/2022:

Starting on May 06, 2022, applications received for SureBridge supplemental products will have a new billing process and customer website for Alabama, Arizona, Connecticut, Florida, Indiana, Michigan, New Hampshire, Oklahoma, South Carolina, Utah and Virginia. These updates apply to NEW customers only and do not affect current customers. There are no changes for business dated prior to May 6th.

Click here for important details about the following items:

  • New customer billing draft date and pro-rated premium
  • New customer website (mysurebridgeinsurance.com)

We encourage you to become familiar with how billing for new business will differ from that of previous business sold in your state. We are excited about these changes and look forward to better serving you and our customers.

SureBridge’s Newest Features to their Point of Sales Tool

See What’s New in the Point of Sale Tool Beginning October 22

Sourced from SureBridge’s broker announcement from 10/21/21:

 

Point of Sale (POS) Tool Impacts

Updates to the SureBridge Point of Sale tool will begin around 7 PM CST Thursday, October 21 which could cause the system to be temporarily unavailable. For Email Proposals – If the application is not started by the customer before Thursday (10/21), a new Proposal must be created.

In addition to the new SureBridge products and revised Applications, the following updates will be made to the POS Tool:

• Primary Beneficiary Designation – Now allows up to two Primary Beneficiary designations. Providing as much information as possible (Date of Birth, Address, etc.) to properly identify the Beneficiaries is important and will help expedite and ensure accurate payments to the designated Beneficiaries.

• Revised Product and Summary Information Form – Updated to include the new Product(s) and the premium amount. This form is part of the Voice Review screen and is required to be read aloud during the call recording process. Note: Applications that include SecureWise Term Life will NOT have Voice Signature as an option.

 

 

New SureBridge Products – Underwritten by The Chesapeake Life Insurance Company

  • SecureWise™ Term Life (10 Year & 20 Year) – Alaska, Delaware, District of Columbia, Idaho, Maine, Minnesota, Mississippi, North Dakota, Oregon, Virginia, West Virginia, and Wyoming

Click here for more information regarding SecureWise.

For Idaho* – The following SureBridge products are back!

  • Accident Direct
  • Accident Disability Direct
  • CancerWise® Plus (Individual & Senior) 
    • Optional Rider: Invasive Cancer Recurrence Rider
  • Critical Accident Direct
  • HospitalWise™ (Individual & Senior)
    • No Riders available

*Product information can be found in the Supplemental Product & UW Guide and brochures located on the Broker Portal for product details. Additional product information can be found in the Training guides available in SBU Continu LMS: https://surebridge.continu.co/#/view/tracks/61095a8cf1f45e0012afa4b5

See our chart for SureBridge state product availability.

SureBridge Important AEP Reminders

Soured from SureBridge Broker Announcement from 10/14/21: 

Be Ready for Selling Season – Important Reminders

We’re glad to work with agents like you who are committed to using their expertise to help customers through the challenging task of finding health insurance and supplemental coverage. As we enter the peak selling-season of the year, we wanted to remind you of a few important sales practices to help protect you and your book of business.

As shared in the Chesapeake/SureBridge “Sale Practice” and “Ethics & Compliance” trainings:
• Only you, as licensed and appointed agent with Chesapeake, can:
o Sell, solicit or negotiate business on behalf of Chesapeake/SureBridge,
o Conduct sales (product) presentations, and
o Assist your customers with the application/enrollment process.

• The use of sales assistants, enrollers and/or screeners who are located outside the United States to conduct business on behalf of Chesapeake/SureBridge is strictly prohibited.

Keep in mind, having another person make calls, do some of the work, or even just act as a language translator, if they are not licensed and appointed, and perhaps even more importantly – if they are not located in the United States, could put your contract with Chesapeake at risk.

Let your customer know they can count on you!

You have the expertise your clients need, and they trust you to help them through the insurance process. By following these sales practices, you not only help ensure your reputation with your customers, but you also help ensure compliance with your Producer Agreement (PA). We value your skills, we appreciate the effort it takes to become licensed and appointed, and we are grateful you choose to do business with us!

 

If you have questions about your PA and/or sales practices, contact your CSM  Sales Director today! 

SureBridge’s New Feature Added to Point of Sale Toll

SureBridge communication from 3/17/21:

 

Effective March 19, SureBridge is launching a new application process feature to improve the Issue and Payment process.  Once live, this new feature validates bank account numbers when Bank Draft (ACH) is selected as the method of payment. If the bank account number is identified as invalid, the message below will display with the option to re-enter the account number or choose an alternate method of payment, helping to ensure there is no delay in a policy being issued due to invalid payment information.

 

If you have any questions, please reach out to your Cornerstone Senior Marketing Service Rep. 

SureBridge Update on Large Call Volume

Communication as of 1/13/21:
As you know, SureBridge customer service has been experiencing high call volumes.  Last month we put in place a call triage system that allows customers with simple requests such as cancellations, policy prints, address changes and ID cards, the ability to simply leave a voicemail message rather than holding to speak to a customer service representative.

Please remember that many changes/inquiries can be made on the new Customer Portal at https://www.MySureBridgeInsurance.com and we have also re-opened the self-service tool at MyPortal.SureBridgeInsurance.com (or www.ChesapeakePlus.com) for customers and agents. The table below provides a list of functionality available through both sites for your convenience.

New Customer Portal

https://www.MySureBridgeInsurance.com

Reinstated Self-Service Tool MyPortal.SureBridgeInsurance.com
Customers with policies that have migrated to the new system are able to:

·       Cancel a Policy

·       Make a Payment (One-time Only)

 

REGISTRATION REMINDERS:

1.     The email to register must match the one submitted at the time of application

2.     DOB must match the application

3.     Do not use the “02” or “08” at the beginning of the Member ID (policy number)

All customers and agents are able to:

·       Cancel a Policy

·       Update Payment Information (Customer only)

·       Address or Phone Number Changes

·       Request ID Cards

·       Request a Duplicate Policy Print

·       Search for a Provider

 

NOTE: Requested changes made on the reinstated Self-Service Tool require manual processing that can take 7-10 days to complete.

These actions allow us to more efficiently route customer calls, however completing these transactions requires manual processing and we are still working though the requests.  This is our top priority and we have brought in a large number of additional resources to work through them as quickly as possible.

Thank you for your patience and support as we work to process all requests as quickly as possible.