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“Serving Those that Serve Others”
844-696-3975 · AskHPM.com
EDITION 1 Q3 2025
The Agent Advantage Fuel for Forward Thinking
Hello, and welcome to the first edition of our new quarterly newsletter. At HPM, we’re always looking for ways to improve our communication channels with agents and provide you with the information you need, and we hope this new publication will better enable us to serve you. There is no better time to roll out our first edition, as this is the time of year when agents typically come up for air and have opportunities to set their goals for the months ahead. If our industry’s current state of affairs is any indication, Q4 will be another crazy time for you and your clients. On top of experiencing the volatility that has impacted the market over the past two years, we’ll soon see a $25 billion injection into Medicare. This increased funding will inevitably result in increased benefits and plenty of competition, so get ready to be on your toes! Although it may be daunting to consider what’s around the corner, it’s essential to remember that disruption and competition breed success in this industry, and agents who stay sharp are poised to do very well. Obviously, independent agents have a lot on their plates. You have to know the industry, your market, the competition in all the plans, and you somehow need to find time to bring in new clients. As the demands on your time and work increase, staying connected with your professional community is the only way to move forward with everything you need to thrive and not just survive. First and foremost, be sure to read all upcoming editions of this newsletter and all our communications to you via email. If you’re a relatively new agent — and even if you’ve been around for a while — showing up for our Monday morning conference calls from 9 a.m. to 9:30 a.m. Eastern time is one of the best things you can do for yourself. Attending these meetings will help you set a foundation
for the week and give a quick overview of what happened in the previous week and what you should be doing in the one ahead to stay on top of your game. For example, these online gatherings are where you’d learn whether a particular health plan will be around in 2026. These conference calls also feature special guests, typically
from a carrier or provider group, who can add value to your day. If you can’t attend, I urge you to watch the archives of past meetings on YouTube. If you see notices for training events that focus on a particular topic you need to learn about or a specific training course on your to-do list, now is the time to take care of them. You can’t attempt to learn new things properly when trying to sell at the end of the year. Parts of your learning process should also be about
HPM YouTube Channel
taking a step back, seeing what worked last year and what didn’t, and strategizing what you need to do in the year ahead. It’s no coincidence that those who show up for these meetings and consider the topics discussed are rising stars or the top producers making the most money. It’s up to you to decide how to position yourself before the next big wave of activity hits later in the year. More positive news is that we continue to see crackdowns on kickbacks from carriers to call centers. Naturally, these developments are a mixed blessing. In one respect, stories about unethical business practices give the entire industry a black eye. In another respect, they also go a long way toward cleaning up the nonsense hurting
WHAT DO YOU THINK OF OUR NEW NEWSLETTER? PLEASE CONTACT US AT SUPPORT@ASKHPM.COM WITH FEEDBACK AND SUGGESTIONS FOR FUTURE CONTENT.
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HPM AGENT LEGACY PROGRAM: BUILD YOUR LEGACY WITH CONFIDENCE
Dear HPM Advisors,
How It Works Upon a triggering event: 1. Management Transition: Your book of business is reassigned to HPM’s, and day-to- day servicing is delegated to your designated successor agent. 2. Access Rights: Successor agents receive access to all necessary systems — portals, client data, emails, and commission platforms. 3. Client Ownership: Clients remain the exclusive property of HPM, ensuring integrity and protection for all parties.
Requirements & Protections • Successor Eligibility: Must be directly contracted and licensed with HPM. • Carrier Forms: Additional forms may be needed, depending on carrier rules. • Non-Solicitation Clause: Neither party may solicit or divert clients to another agency as long as those clients are under HPM. • Governing Law: Florida law applies; venue for disputes is Orange County, Florida. Signatures That Matter The agreement is signed by: • The Legacy Agent (you) • The Successor Agent (your selected heir) • The Principal Agent of HPM It’s one streamlined page, thoughtfully designed to eliminate ambiguity and preserve your business value. Final Thoughts This program isn’t just a policy — it’s a promise. A promise that your years of service won’t vanish when you step away. It ensures continuity for your clients, income for your family, and opportunity for fellow advisors.
We’re excited to introduce a powerful update to the HPM Agent Legacy Program — a foundational initiative designed to safeguard your hard-earned book of business and ensure peace of mind for you and your loved ones. Whether you’re planning for the future or just starting your journey with us, this program ensures your legacy lives on. What Is the Legacy Program? The HPM Agent Legacy Addendum is a formal agreement attached to your Benefit Advisor Agreement. It guarantees succession rights to your book of business in the event of retirement, incapacity (six or more months), or death. This ensures a smooth transition while protecting the income you’ve built over your career. Key Definitions to Know • Legacy Agent: You, the HPM-contracted advisor who enters this agreement. • Successor Agent: A licensed, HPM- contracted agent selected to manage your book of business if a triggering event occurs. • Triggering Event: Retirement, death, or six- month incapacity of the legacy agent. • Book of Business: All active client accounts under your license at the time of the event.
Compensation Breakdown This is where the program truly shines:
• Legacy Agent (or Estate) receives 85% of renewal commissions in perpetuity for retained clients. • Successor Agent earns 15% of commissions as servicing compensation. • HPM takes 0% of your commission — we retain only our overrides. • Monthly Payments continue uninterrupted unless the agreement is breached or clients are transferred. Example: If you retire earning $100,000/year, you’ll continue earning $85,000/year for as long as those clients remain active. That’s not just retirement — it’s legacy-building.
For additional information, email us at Support@AskHPM.com.
Thank you for your commitment and trust in HPM.
How to Host and Coordinate Community Tabletop Events Getting involved in community events is a powerful way to boost trust, visibility, and local engagement. Here’s a quick-start guide to planning and participating in tabletop events: • Confirm booth costs, setup details, and expected attendance • Offer a giveaway or host an “Ask an Agent” mini-session
Step 3: Coordinate Sponsorships • Contact your carrier to request sponsorship • Reach out to Medical Provider Groups for co-sponsorship Step 4: Add to the HPM Calendar Let your team and the public know you’re participating: • Submit an HPM Event Request (Marketing tab in HQ) • Notify managers to assign the event to the calendar • Partner with local businesses for cross-promotion
Step 1: Find the Right Events Look for local events where you can set up a table or booth. Ideal venues include: • Chamber of Commerce expos • Local fairs and festivals • Networking mixers • Charity walks and nonprofit events • Home and garden shows • Senior housing communities and centers
Step 5: Notify Sponsors and Create Marketing • Let carriers and provider groups know who the assigned agent is • Request promotional materials (flyers, mailers, etc.) • Contact your manager if you need tables, tents, or marketing materials
Where to look: • Eventbrite, Meetup • Local business associations • Community newsletters and bulletin boards • Facebook • Google (Events near me) Step 2: Contact Organizers Reach out to event coordinators to: • Ask about vendor/sponsor opportunities
Step 6: Follow Up
After the event: • Send thank-you emails to all sponsors • Share event highlights and photos on social media
Let your local presence shine — one event at a time!
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Published by Newsletter Pro • www.NewsletterPro.com
A Click to Clarity Why You Need to Use This QR Code
... CONTINUED FROM COVER our industry. Fortunately, the government is getting better at narrowing in on the bad actors rather than casting a giant net over everyone else. Our industry is too valuable to too many people for it to be damaged by those who don’t do the right things to support it.
Here’s why you need to use our HQ QR code today: 1. Contracting (What plan do you need?) 2. Enrollment Tools
Of course, this newsletter also arrives at the start of certification/recertification season. Elsewhere in this issue, we have included a free best-practice guide to help you maximize your study time and organize your activities. Please take a moment to read our suggestions and formulate your best plan now for success in the exams. Also, we’re pleased to provide a $50 discount on AHIP testing for agents.
• HQ has a link to the HPM Shop. • HQ has a link to HealthSherpa.
3. Commission Tools 4. HQ Marketing
• Catalog (pre-approved, customizable CMS flyers) • Direct Mailer • Event Request Form to help market your event • Event Swag
Scan Me! AHIP Discount
We hope you make the most of this traditionally quiet time in our industry, and we’re always here to help you prepare for the rest of 2025. Success is in your hands, and we’re ready to help you every step of the way.
5. Learning
• Carrier Training • HPMu
• Monday Call Link • Training Calendar • Webinars 6. Resources to help you receive the latest updates on the industry 7. Spark Platform
HPM TRAINING CALENDAR —Justin Jacobs It’s never too late to learn! Please join us at these weekly and monthly HPM training events. (Note: All events are held in Eastern Standard Time.)
Also, look forward to the new HQ Lead Program — coming before AEP 2026! SCAN ME! HPM HQ 7 MARKETING STRATEGIES TO RETAIN YOUR MEDICARE AND ACA BOOK OF BUSINESS 1. EDUCATION-BASED MARKETING • Send monthly emails or newsletters with easy-to-understand updates. • Host short webinars or share one-minute tip videos (e.g., plan benefits and enrollment periods). • Invite your clients to bring a friend to your educational events. 2. MULTI-CHANNEL COMMUNICATION • Use email, phone, text, and mail based on client preference. • Automate appointment reminders and important plan notices. • Ensure your client has your phone number saved in their phone. 3. PERSONALIZED ANNUAL REVIEWS • Reach out proactively to review plans before AEP/OEP. • Use digital tools (HPM Shop or Health Sherpa) for simple comparisons. 4. CLIENT APPRECIATION CAMPAIGNS • Send birthday cards to all clients. • Reach out for all major holidays throughout the year. • Send a thank-you card after each meeting (text, email, postcard). 5. REFERRAL SYSTEM • Ask for referrals using compliant language (no cash or gifts). • Add a referral note in your email signature and newsletters. 6. STAY TOP OF MIND YEAR-ROUND • Stay consistent, share monthly health tips, discount ideas, or plan updates. • Send surveys before AEP to identify their needs. 7. CRM AND AUTOMATION • Use CRM to track renewal dates, communication, and client preferences. • Automate follow-ups and check-ins to avoid losing touch.
MONDAY 9 a.m.: “Monday Morning With Justin” and a Special Guest (Virtual) WEDNESDAY 9:30 a.m.: “Ask Al” (Virtual) FRIDAY 9:30 a.m.: “HPM Selling Tools With Tom Ryan” (Virtual) LAST THURSDAY OF EVERY MONTH Advisor Training (In-Person) Various locations around Orlando. Keep one foot in the field and one foot in the classroom! Challenge yourself to learn every week! Contact us at Support@AskHPM.com if you need specific training.
SCAN ME! Training Calendar
844-696-3975 • 3
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844-696-3975 AskHPM.com
Inside This Edition
“Serving Those that Serve Others”
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Power Plays for Peak Producers
A Message to HPM Advisors Boost Your Visibility and Build Your Community ACA Book of Business and Medicare Strategies Essential Events: Engage, Explore, Expand
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ACA News
Coverage Continuity
SUPPORT FOR STRUGGLING INCOMES
Facilitated through the Inflation Reduction Act, the Low-Income Special Enrollment Period (SEP) allows low-income individuals to utilize the Affordable Care Act (ACA) marketplace beyond the traditional Open Enrollment Period. Here are a few of the SEP’s key features, as outlined on HealthInsurance.org: • A year-round enrollment opportunity for individuals with household incomes at or below 150% of the Federal Poverty Level. • Allows eligible individuals to enroll in ACA- compliant health plans outside the standard open enrollment Period. • Available in HealthCare.gov states and many state-based marketplaces. • No requirement for a qualifying life event. • Immediate enrollment with coverage starting the first day of the following month.
Eligibility criteria for the Low-Income SEP income maximum for 2025, as outlined by KFF, include the following:
• 1-person household: $22,590 • 2-person household: $30,660 • 3-person household: $38,730 • 4-person household: $46,800 • Add approximately $8,070 for each additional person.
These additional requirements also apply: • Must be eligible for premium tax credits. • Income estimates are subject to verification; discrepancies may require documentation within 90 days.
For additional information, email us at Support@AskHPM.com.
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