In this video, we will show you how to get around our own O’Neill Portal, where you will be able to manage your commissions, appointments and more.

This video will show you how to use the Agency Management tab

• View downline Agencies and Agents
• Access downline agents’ portals to view appointment status or add appointment requests
• Modify Agency Settings
• Send Onboarding emails

This video will show you how to request appointments via the My Appointments Tab

• Seeing current appointments
• Seeing all carrier appointments O’Neill Marketing offers
• Requesting a new appointment from a new carrier
• Adding a state to an appointment you already have with O’Neill Marketing

View the actual PDF Bonus flyers carriers up out for each open enrollment

• You can view each carriers bonus flyer/flyers
• They will be here for reference so you can read the carrier fine print
• One important location to keep track of all carrier bonus information

Use this tab to find carrier information such as

• Broker Support Phone Number
• Member Support Phone Number
• Links to Broker Portals

If you are wondering what your PMPM is for each carrier the Agent Portal has you covered

• You can view commission rates for appointed carriers.
• You can view commission rates for non-appointed carriers.
• See the commission rate for each carrier in each state.

If you are not:

• Licensed in a State
• Appointed with a carrier

You can refer a policy to O’Neill Marketing.

We will only help the client with the product line you specify.

We will reach out within 48 business hours

This video will help if you need to change your:

• Address
• Phone Number
• Email Address
• W-9 Form
• Agent/Agency Logo
• Agent Headshot

This video will help if you need to update information regarding your resident state license.

This video will show you how to view your commissions.

You can see:

• Each carrier statement
• Monthly statements
• Downline reports

Per carrier:

• Cigna: In the case of Cigna, a switch in plan due to a QLE will NOT affect the accumulation of the deductible regardless of the change.
• United HealthCare: In the case of UHC, if a client switches plans on the same metal tier, it will not reset. Otherwise, it will, unless they change using the “Below 150% FPL” SEP. In that case, the accumalation will remain intact regardless of the switch in metal tiers.
• Aetna: In the case of Aetna, deductibles will reset in all scenarios.
• Ambetter: In the case of Ambetter, the deductible will reset in every scenario. They would need to contact member services to transfer the accumulation from one plan to the other.
• Oscar: It transfers over. This also applies if they move to a new market. If they go from California to Arizona it will reset. New Jersey will be carried over if they are from Florida.
• Blue Cross Blue Shield Texas: In the case of BCBS TEXAS, If the client is changing from one BCBS plan to another, the deductibles paid in will transfer to the new plan, in all scenarios.
• Molina: The deductibles for Molina do roll over in all cases, unless they were to leave Molina for a time period and come back, then it does not.

Carriers:

• Oscar: That will be carried over as long as they don’t move to a new State. It will only transfer over if they move to New Jersey.

Ambetter emailed agents on 12/5, saying that they will be locking AOR for Jan 1st effective policies on 12/31 – the agent listed as AOR on 12/31 will be locked for the year (to be safe though, we would still recommend agents check 12/15 and 12/31 to be certain). For Feb 1st effective policies and beyond, the agent listed on the first active enrollment will be locked as AOR. (In short: 1/1/ effective policies are locked in, checked on 12/31, 2/1 effective and beyond are first in).

Changing AOR with Ambetter: Ambetter has a “hard lock” for AORs. The only way to change AOR on an Ambetter policy is to change carriers – only changing plans or benefits within Ambetter will not change AOR. Once a client has been inactive with Ambetter for 30 days, they could switch back to an Ambetter plan with a new AOR. Before 30 days of inactivity, the original AOR will still remain.

Cigna confirmed they will be locking AOR after OEP, but they are doing everything by the first agent submitting the policy. The first submission will be locked as AOR. (Though Cigna has said they will be locking the first AOR attached to the policy, to be safe it would be best if agents also made sure they are AOR on 12/15 and 12/31 – it may not matter but best to be safe).

Changing AOR with Cigna: Cigna has a “hard lock” for AORs. The only way to change AOR on a Cigna policy is to change carriers – only changing plans or benefits within Cigna will not change AOR. Once a client has been inactive with Cigna for 90 days, they could switch back to a Cigna plan with a new AOR. Before 90 days of inactivity, the original AOR will still remain.

NOTE: Per a call with Cigna Broker Support (01/12), Agents and members can request a Broker Designation Form from Cigna to switch AORs. This form needs to be signed by both the Agent and the Member. View Form Here.

Oscar has said they will be implementing something within the next few months. Stay tuned for more info.

UHC has not implemented any AOR locks as of writing (1/10/24). For now, they are going by the 834 submission file, so changing only the income will allow an AOR change (even without plan or benefit changes).

Molina has not implemented any AOR locks as of writing (1/10/24). For now, they are going by the 834 submission file, so changing only the income will allow an AOR change (even without plan or benefit changes).

AOR upon effectuation remains the AOR unless there is a benefit change or the policy is cancelled/terminated.

Changing AOR with BCBS TX: BCBS TX will not allow AOR changes within the first 60 days of a policy. After 60 days, they have a “soft lock,” so changing the plan or benefits will allow an AOR change (but not just a change in income).

Find the new 150% FPL Chart here