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Video: Welcome to Resource Brokerage

 

Divisional News & Links


Employee Benefits Division

The Special Enrollment Period for the Blue Cross and Blue Shield of Illinois (BCBSIL) “No Contribution/No Participation Option” is NOW open through December 15th, 2024.

📢 NOW is the time to approach employer groups with this limited-time, once-a-year sales opportunity!

2025 No Contribution/No Participation Option Rules:

  • Business structure must be valid and is validated during the underwriting process
  • $0 required employer contributions towards employee premiums - with an employer contract being issued
  • Zero participation minimum requirements are enforced
    • Only one eligible employee enrolling is needed to place a group plan
    • The group must have 1-50 total employees on payroll, including PT employees (in the average working day in the prior calendar year)
    • ALL FT employees must be offered coverage - although they are not required to elect!
    • Waivers are required for all non-participating FT employees
  • Employers are responsible for administering payroll deductions and premium payment

Group’s paperwork received in our office on 12/16/2024 or after are NOT eligible for this program, even if they are dated on or before 12/15/2024.

 

 

Key Dates to Remember:

  • November 15th - Last day for December 15th plan changes & anniversary date changes
  • December 2nd - Last day for January 1st plan changes & anniversary date changes
  • December 17th - Last day for January 15th plan changes & anniversary date changes

Individual Division  

The 2025 Individual and Family ACA Annual Open Enrollment Period is NOW open!

Ensure your client’s 2025 Individual and Family ACA health coverage elections are completed before December 15th, 2024, for January 1st, 2025 coverage.

*Remember, you must be FFM certified to sell or help customers with FFM business (accessing advance premium tax credits or cost-sharing reductions) and receive any commissions on FFM business.

Create your HealthSherpa account:
HealthSherpa is the BCBSIL White Labeled Solution for on-exchange enrollments.

Notice:  Effective Jun 18th, 2023, CMS will require agents/brokers who assist Individuals with Marketplace ACA enrollments to comply with a new requirement in the 2024 Final Rule of attaining documentation of “active consent of the purchaser to represent them when utilizing the Marketplace (healthcare.gov).”  The required documentation consists of the Enrollee’s Consent for Assistance and the Agent’s Attestation of the Documentation Review of the enrollee. The document must be retained for a minimum of 10 years.  CMS has provided this linked template form as a starting point for you to customize to comply with ACA Marketplace enrollments starting June 18th, 2023.


Medicare Division   MedicareCENTER

2025 Medicare Annual Election Period (AEP) is NOW OPEN!

Now is the time of year your clients may enroll, disenroll, or change MAPD and PDP plans for a January 1, 2025, effective date.

Remember, to be able to sell MAPD or PDP plans, you must have a separate MAPD/PDP Certification.

In the event that you have not completed the 2025 MAPD Certification and want to get MAPD (Part D) certified, here are both the BCBSIL discounted AHIP Certification and BCSIL Certification FAQ page.  You must complete both the AHIP certification and the BCBSIL (HCSC) product certification to be deemed able to sell MAPD/PDP plans and recertify each year to continue to receive renewal commissions for these plans.

Fortunately, to sell Medicare Supplements all you need to maintain is a valid IL State Health Insurance License.

2025 Medicare MAPD/PDP AEP Key Dates:


October 15, 2024 – 2025 MAPD/PDP annual enrollment period begins
December 7, 2024 – 2025 MAPD/PDP annual enrollment period ends
December 20, 2024 – Certification deadline for brokers to retain BCBSIL renewal commission (2006 through 2008 BCBSIL PDP plans exempt)

LTC Division

NEW View the Mutual of Omaha LTC Cost of Care Study for great sales ideas!

ARTICLE - Not having long-term care insurance can be ‘the single biggest devastator’ of your financial plan

ARTICLE - The True Value of a Long Term Care Insurance plan. By: Ron Cohen

LTCi Personal Training

Ron Cohen, LTCP, Resource Brokerage’s specialist in Long Term Care insurance, is now offering a free sales training program that will train you on how to become a successful LTCi specialist. Very limited class sizes- I'm ready to know more.

Exciting News for all LTC certified brokers in IL!

The Illinois Partnership for Long Term Care Insurance is now live in IL

Resource Brokerage is excited to have partnered with fellow Integrity partner AIB to provide: quoting, sales and support of all your Life Insurance and Annuity needs!

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Visit the AIB Website    View Full Contact List

Visit the AIB Annuity Website

Life Insurance Administration/Quoting Specialist

Resource Brokerage (RB) has been voted one of Illinois' Best Places to Work for over ten years. The RB team provides premier marketing, administrative and customer service support on behalf of numerous insurance companies to hundreds of licensed independent insurance agents throughout the nation. We have a small team, so everyone matters.

The Quoting Specialist is a support and marketing position for life, annuity, disability and long term care insurance. Some job duties include:

  • Receiving and processing requests for quotes/illustrations from independent agents/ brokers.
  • Discussing prospect details with agents to shop for the most competitive outlet.
  • Reviewing and analyzing physician statements for pertinent information, then summarizing and sending them to carrier underwriting departments to receive preliminary opinions.
  • Answering questions, explaining the application process, and providing other presale support.

I'd Like to know More


DI Division

Sales ideas to help you start the conversation with your clients:


Contact Us

Resource Brokerage LLC
1501 East Woodfield Road, Ste 110e
Schaumburg, IL 60173
Toll Free: 1-800-605-7566
General Phone: (847) 605-1200

Group

Phone: (847) 592-0941
Fax: (847) 605-1494

Individual

Phone: (847) 598-6006
Fax: (847) 605-1331

LTC, DI & CI

Phone: (847) 598-6005
Fax: (847) 619-9592

Testimonials

"I've been on both sides of the aisle - as a client and as a vendor. From my experiences I feel qualified to state that your product knowledge, training and sales expertise, and understanding of the client's needs were exceptional and invaluable to my selling success. Whenever I had questions (and there were many!) you responded very quickly and in many instances, gave me additional ideas that helped with the sale."

"I am looking forward to many, many additional sales with your help!"

"Great job prepping this case for us. I completed initial review on Thursday and have been able to approve this morning (4 business days) !"

About Us - Who We Are

Resource Brokerage is one of the Midwest’s leading FMOs, providing brokers a choice of Group Benefits, Major Medical, Life, Annuities, DI, LTC and Linked Benefits all in one place.

Brokers work with a team of dedicated professionals who specialize in the lines of business they support. These teams also constantly undergo training and education with a focus on credentials that mean the most to our industry. Our management team is led by seasoned industry professionals with true brokerage experience and the know-how to help get things done for our brokers.

Watch Our Welcome Video!

Please Note: The information on this website is for agent use only and is not intended for use by the general public.

While this website does not generate leads, leads are available to our brokers for purchase through our affiliation with Integrity through our proprietary software LeadCenter.