It's that time again! Every year CareFree brokers get the freedom to decide which carriers they
contract with, and we're
here to help guide you through the process as quickly and as painlessly as possible.
General Certification & Recertification Information
In our business, relationships matter. Use 2019 to cement relationships with current carriers and
forge relationships with
new ones. Agents who plan on selling 2019 plans during AEP must certify or recertify with the
they'd like to offer. Here's how to do that:
Continue with the same carrier: You'll receive a recertification invitation email when each
carrier you're currently contracted
with have opened their recertification process.
Expand your plan offerings: The first step is to determine which carriers you're interested in
by doing some research on
Look for 5 star plans and overall value proposition. If there are any other carriers you're
interested in, email firstname.lastname@example.org
, provide the carrier name and your upline to
request the contract.
2019 AHIP is now available!
If you're nervous about taking AHIP, consider attending an AHIP Prep webinar. Sign up for a session
Remember, you only take AHIP once per season and you must score a 90% on the AHIP exam in order
to certify with most carriers.
Use the chart below to determine which carrier to certify with first to take advantage of
After completing AHIP with the carrier of your choice, your AHIP score can be shared with other
during the cert/recert process.
||Cert/Recert Opening Date
Free AHIP and first year E&O insurance for newly contracted CareFree agents.
$50 AHIP discount for existing agents with Front Runners status.
- Complete AHIP Training and all Cigna-HealthSpring required courses by 9/15 and
1/1 effective date plans to receive $125 AHIP reimbursement.
- Complete Gorman Health Group Training and all Cigna-HealthSpring required
receive $99 reimbursement.
- Complete Pinpoint Medicare Training and all Cigna-HealthSpring required courses
- Reimbursed AHIP, Gorman Training, and Pinpoint Medicare training with 5 AEP
Must complete cert/recert by 11/30.
If currently certified agents do NOT recertify, they will only be able to sell
2018 plans in AEP.
||AHIP accepted but not required
$50 AHIP discount Specific Carrier Information
Specific Carrier Information
First Tier, Downstream and Related Entities (FDRs) must provide general compliance and fraud,
waste and abuse training to
employees within 90 days of initial hiring and annually thereafter. If you received an email
Aetna with the subject line “Action Required: First Tier, Downstream, and Related Entity
annual training and education for broker organizations” you must complete FDR training. For
or to compete this training, email email@example.com
All Coventry plans will be branded as Aetna Coventry for 2019. However, agents will continue to
use Coventry's web resources
to determine plans, providers, and prescription coverage. Brokers will see rebranding through
touchpoints such as producer training and activation, sales presentations, NDP conference,
email etc. Check Producer World for more information.
Many carriers require in-person or virtual additional product training. Specifics on this will
be included in your certification.
Make sure to attend these trainings to ensure you can carry these products in AEP.
Med Supp Cert/Recert
In addition to certifying with Medicare Advantage carriers, many agents find that having a Med
Supp certification allows
them to meet more of their clients' needs.
If you'd like to add Med Supp to your product portfolio, email firstname.lastname@example.org
to discover which carriers are available.
Thank you for being a valued CareFree broker! Here's wishing you a strong AEP.
Carefree Insurance Services, Inc. – Field Marketing Organization (FMO)