september 16, 2019 · 2020-05-19 · i. notwithstanding commissions payable in the state of...

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September 16, 2019 Re: Amendment to Agent Agreement Dear Agent: This “Letter Amendment” amends your UnitedHealthcare Insurance Company (“Company” or “United”) Agent Agreement (the “Agreement”) as follows:

1. The Agreement is hereby amended, for applications signed on or after October 1, 2019,

to amend Appendix A of the MA Commission Schedule, “Non-Commissioned Plans and Counties for Specified HMO, PPO, RPPO, Dual SNP and Institutional SNP Plans for applications effective on or after January 1, 2019.” The following Plan/Counties are hereby added to the list of Non-Commissioned Plans and Counties for applications signed on or after October 1, 2019:

Contract # - Plan ID

Product State: Counties

H4089-001-000 AARP MedicareComplete Plan 1 Louisiana: Jefferson, Lafourche, Orleans, St Bernard, St Charles

H4089-002-000 AARP MedicareComplete Plan 2 Louisiana: Jefferson, Lafourche, Orleans, St Bernard, St Charles

H5435-001-000 UnitedHealthcare MedicareDirect

Essential

Georgia: Clay, Crisp, Quitman, Tift, Turner Kansas: Mc Pherson Kentucky: Cumberland, Monroe Missouri: Bollinger, Lewis, Marion, Ralls, Wayne New Hampshire: Belknap Texas: Comanche, Eastland, Kerr, Uvalde Vermont: Windham, Windsor Virginia: Brunswick, Mecklenburg

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H5435-024-000 UnitedHealthcare MedicareDirect

Rx

Georgia: Clay, Crisp, Quitman, Tift, Turner Kansas: Mc Pherson Kentucky: Cumberland, Monroe Missouri: Bollinger, Lewis, Marion, Ralls, Wayne New Hampshire: Belknap Texas: Comanche, Eastland, Kerr Vermont: Windham, Windsor Virginia: Brunswick, Mecklenburg

For clarification, the Company will not pay commissions on any applications signed on or after October 1, 2019, for the plans listed above. 2. The Agreement is hereby amended, for applications signed on or after October 1, 2019,

to amend Appendix A of the MA Commission Schedule, “Non-Commissioned Plans and Counties for Specified HMO, PPO, RPPO, Dual SNP and Institutional SNP Plans for applications effective on or after January 1, 2019.” The following Plan/Counties are hereby removed from the list of Non-Commissioned Plans and Counties for applications signed on or after October 1, 2019:

Contract # -

Plan ID Product State: Counties

R7444-001-000 AARP MedicareComplete Choice Massachusetts: Hampshire

R5342-001-000 UnitedHealthcare

MedicareComplete Choice Plan 1

New York: Dutchess, Putnam, Rockland


MedicareComplete Choice Essential





For clarification, the Company will pay commissions on any applications signed on or after October 1, 2019, for the plans listed above.

3. The Agreement is hereby amended to include the 2020 PDP and MA Plans Commission Schedule, including a restated and amended Appendix A listing of non-commissioned plans, attached hereto as Exhibit 1 for applications with effective dates on or after January 1, 2020.

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4. The Agreement is hereby amended to include the 2020 Medicare Supplement Insurance Plans Commission Schedule attached hereto as Exhibit 2 for applications with policy effective dates on or after January 1, 2020.

5. The Agreement is hereby amended to replace Section IV of Exhibit A of the Agreement, entitled “List of Affiliates,” with the “List of Affiliates” attached hereto as Exhibit 3. Exhibit 3 contains a term that prohibits agents from selling any plan on contract number H5233 for plan effective dates of January 1, 2020 and later.

6. Effective thirty days from the date of this amendment, paragraph 5.5 is deleted and replaced with the following paragraph: 5.5 Suspension and Corrective Action of Agent or Representative. In the event

that the Company becomes aware of allegations, through Member complaints or otherwise, that Agent or any Representative may have engaged in conduct in violation of this Agreement, the Company may suspend Agent’s or the Representative’s authority under this Agreement pending the Company’s final outcome of an investigation of such allegations. During the time such suspension is in effect, Agent or the Representative, as specified by the Company, may not market or promote the Products on behalf of the Company. Further, during the time such suspension is in effect, at its discretion, the Company may suspend all payments, including payments on existing business submitted prior to the date of the suspension. The Company reserves the right to initiate corrective action against Agent or Representatives where the Company has determined Agent or Representatives have engaged in any conduct in violation of this Agreement.

7. Effective thirty days from the date of this amendment, paragraph 6.1c below is hereby

added to the Agreement:

c. Trademark License. During the term of this Agreement, Company hereby grants to Agent a perpetual, non-exclusive, nontransferable, royalty-free license (the “License”), without right of sublicense, to use Company’s trademarks UNITEDHEALTHCARE®, UHC®, and the UnitedHealthcare Logo® (the “Marks”) as provided in the UnitedHealthcare Toolkit at www.uhcAgenttoolkit.com (the “Agent Portal”) in marketing and advertising materials, subject to Agent’s compliance with the provisions in this Agreement.

i. Ownership of the Marks. Agent acknowledges Company’s exclusive ownership of the Marks, agrees that it will do nothing inconsistent with such ownership, and agrees that all use of the Marks by Agent shall inure to the benefit of and be on behalf of Company. Agent agrees that nothing in this Agreement shall give Agent any right, title or interest in the Marks other than the License, and Agent agrees that it will not attack Company’s title to, or the enforceability of, the Marks or apply to register the Marks or any confusing similar trademark. Agent shall not take or permit any action whereby any of Company’s rights in or to the Marks may be impaired, encumbered, or prejudiced.

ii. AARP Trademarks. Company shall also provide Agent with pre-approved marketing materials in the Agent Portal for use that contain trademarks owned by AARP, a Washington, D.C. nonprofit corporation (the “AARP Trademarks”).

http://www.uhcagenttoolkit.com/

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Agent shall not use or permit any third party to use the AARP Trademarks in any other way or manner. AARP reserves the right to prohibit Agent from using the AARP Trademarks for any reason or purpose. If AARP asks Agent to stop using any of the AARP Trademarks for any reason, Agent shall do so immediately. Agent acknowledges AARP’s exclusive ownership of the AARP Trademarks, agrees that it will do nothing inconsistent with such ownership, and agrees that all use of the AARP Trademarks by Agent shall inure to the benefit of and be on behalf of AARP. Agent agrees that nothing in this Agreement shall give Agent any right, title or interest in the AARP Trademarks, and Agent agrees that it will not attack AARP’s title to, or the enforceability of, the AARP Trademarks or apply to register the AARP Trademarks or any confusing similar trademark. Agent shall not take or permit any action whereby any of AARP’s rights in or to the AARP Trademarks may be impaired, encumbered, or prejudiced.

iii. Use of Marks. (a) Approved Use. Agent may download and use pre-approved

marketing materials on the Agent Portal in connection with marketing and promoting Agent’s services, in accordance with Company policies and procedures. To identify itself as an approved agent of Company, Agent may display the Marks on its Website. Use of the Marks is also subject to Company policies and procedures.

(b) Business Names, Domain Names & Social Media. Agent is prohibited from using or registering business names, domain names, or social media accounts that includes UNITEDHEALTH, UNITEDHEALTHCARE, UHC, the Marks, or any confusingly similar variants thereof. If at any time Company becomes aware of any such business name, domain name, or social media account, Agent agrees to transfer it to Company, or abandon it, at Company’s request.

(c) Other Uses & Approvals. Agent shall not use the Marks on custom marketing materials or for any other purposes unless first approved in writing by Company. For other uses of the Marks outside the limited license rights granted in this Section, Agent shall send approval requests to the Company At [email protected].

(d) No Combination or Alterations. Agent shall not alter, change, modify, or combine the Marks with Agent’s own mark or any third party trademark without written permission from Company.

(e) Requests to Cease Use. Company reserves the right to refuse use, and to withdraw any previously granted approval to use the Marks and/or the AARP Trademarks, for any reason. If at any time Agent receives notice to cease using the Marks and/or the AARP Trademarks Agent agrees to take immediate steps to remove such use.

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iv. Use Guidelines & Quality Control.

(a) Quality Standards. Agent acknowledges that the nature and quality of (1) all products and services marketed or provided by Agent under or in connection with the Mark, and (2) all related advertising, promotional, and other uses of the Marks by Agent, shall at all times conform to standards, specifications, requirements, restrictions and instructions set by, and be under the control of, Company. The products and services shall: (1) be of high standards and quality and (2) comply with all applicable laws and regulations. Agent shall not offer or provide any products and services in connection with the Marks which do not meet the quality standards established hereunder.

(b) Forms of Use. Agent agrees to use the Marks only in the form and manner and with the appropriate legends and proprietary notices as prescribed from time to time by Company, including without limitation any designations of ® and ™ or otherwise, and not to use any other trademark, service mark, trade dress, or other source-identifying element in combination with the Marks without the prior written approval of Company.

v. Infringement. Agent shall immediately notify Company if at any time during the term of this Agreement, Agent becomes aware of any actual or threatened infringement of the Marks by a third party (an “Infringement”). In the event of any Infringement, Company shall have the right, but not the obligation, to take legal action with respect to the Infringement at its own expense. In any such action, Agent shall provide full cooperation and assistance to Company, as requested by Company.

8. Effective October 1, 2019, the Agreement is hereby amended to replace Exhibit E, titled

“HRA Agreement”, with the “HRA Agreement” attached hereto as Exhibit 4.

In the event that Agent does not agree to the amendment set forth in this Letter Amendment, Agent must notify the Company that Agent is terminating the Agreement within thirty (30) days following the date of this Letter Amendment, in which case the Agreement shall be immediately terminated.

The terms and conditions set forth in the Agreement, as amended and modified by this Letter Amendment, shall continue in full force and effect. In the event there is any inconsistency or conflict between the provisions in this Letter Amendment and those in the Agreement, the provisions in this Letter Amendment will supersede and control. Unless otherwise defined in this Letter Amendment, all capitalized terms shall be defined as set forth in the Agreement.

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Sincerely,

Mark Phillips Chief Sales and Distribution Officer UnitedHealthcare Medicare Solutions

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Exhibit 1

UNITEDHEALTHCARE INSURANCE COMPANY

2020 PDP AND MA PLANS COMMISSION SCHEDULE

I. PDP PLANS

“Initial Year” Commissions -- New Enrollments for CMS Plan Year 2020 In accordance with CMS instructions, the Company shall initially pay Agent and its Representatives the “Renewal Year” commission specified below for each individual properly enrolled in a Company PDP Plan which Agent and its Representatives are approved and authorized to market and promote for the 2020 CMS Plan Year, for January 1, 2020 through December 31, 2020 effective enrollments. If the individual enrollment is identified to the Company by CMS as a new/initial enrollment, or according to company policy for agency upline compensation, the Company shall adjust the compensation paid to Agent and Representatives for the individual from the “Renewal Year” commission specified below to the “Initial Year” commission specified below. Agents will not receive “Initial Year” commissions if the individual was already enrolled in a PDP Plan at the time of enrollment. The commissions listed below at each level are net of commissions payable to all lower sales levels. To the extent any sales level is not involved in the sale of the PDP Plan, the commission payable to such sales level shall roll-up and be payable to the next higher sales level. Payment of the “Renewal Year” commission will be made in the effective year of the enrollment following the entry of a qualifying application into the Company’s enrollment system and validation of the producer’s credentials. Any required adjustment from the “Renewal Year” commission to the “Initial Year” commission will be made following CMS’s identification that the individual is in an Initial Enrollment Period or new to the PDP Program.

Initial Year Commissions*

Agent $78.00

Note: The above commissions will be paid for electronic enrollments only. In the event that Agent or its Representatives submit paper based enrollments, the Company reserves the right to charge Agent and its Representatives an administrative fee which will be deducted from the Agent-level commission specified above. The amount of any administrative fee will be determined by the Company and made available to Agent upon request.

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“Renewal Year” Commissions – Renewal Enrollments for CMS Plan Year 2020 For the 2020 Plan Year, the Company shall pay Agent the following renewal commissions for each individual not identified by CMS as “Initial” and properly enrolled in a Company PDP Plan which Agent and its Representatives are approved and authorized to market and promote for the 2020 CMS Plan Year for January 1, 2020 through December 31, 2020 effective enrollments. If Agent receives the “Initial Year” or “Renewal Year” commission for an enrollment effective on or after January 1, 2020 for the 2109 CMS Plan Year, Agent shall be entitled to the following renewal commissions, subject to amendment, in subsequent CMS Plan Years, up to 50 (fifty) percent of the of the CMS published FMV (Fair Market Value) for each Plan Year, provided that the individual remains enrolled in a Company PDP Plan throughout each renewal year and provided that Agent and Representatives remain credentialed (licensed, appointed and certified) as required by the Company for each renewal year.

Renewal Year Commissions*

Agent $39.00 Note: The above commissions will be paid for electronic enrollments only. In the event that Agent or its Representatives submit paper based enrollments, the Company reserves the right to charge Agent and its Representatives an administrative fee which will be deducted from the Agent-level commission specified above. The amount of any administrative fee will be determined by the Company and made available to Agent upon request.

*Commissions are not payable for any sale of a Company Part D plan to an individual who may be eligible for such plan through intermediary organizations such as employers, unions or other groups. Individuals with employer-funded Health Reimbursement Arrangements (HRAs) may be required to have a particular Agent as agent of record (AOR) in order to access HRA funds to pay premiums. In such cases, United reserves the right to change AOR to ensure member access to HRA funds.

II. ALL MEDICARE ADVANTAGE PLANS “Initial Year” Commissions -- New Enrollments for CMS Plan Year 2020 In accordance with CMS instructions, the Company shall initially pay Agent and its Representatives the “Renewal Year” commission specified below for each individual enrolled in one of the Company’s MA Plans which Agent and its Representatives are approved and authorized to market and promote for the 2020 CMS Plan Year, for January 1, 2020 through December 31, 2020 effective enrollments. If the individual enrollment is identified to the Company by CMS as a new/initial enrollment, or according to Company policy for agency upline compensation, the Company shall adjust the compensation paid to Agent and Representatives for the individual from the “Renewal Year” commission specified below to the “Initial Year” commission specified below. Agents will not receive “Initial Year” commissions if the individual was already enrolled in an MA Plan at the time of enrollment. The commissions listed below at each level are net of commissions payable to all lower sales levels. To the extent any sales level is not involved in the sale of the MA Plan, the commission payable to such sales level shall roll-up and be payable to the next higher sales level. Payment of the “Renewal Year” commission will be made in the effective year of the enrollment following the entry of a qualifying application into the Company’s enrollment system and validation of the producer’s credentials. Any required adjustment from the “Renewal Year” commission to the “Initial Year” commission will be made following CMS’s identification that the individual is in an Initial Enrollment Period or new to the MA Program.

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Initial Year Commissions*

CALIFORNIA TABLE 1: CA INITIAL YEAR COMMISSIONS Agent $636.00

NEW JERSEY TABLE 2: NJ INITIAL YEAR COMMISSIONS

Agent $636.00

CONNECTICUT, PENNSYLVANIA & DISTRICT OF COLUMBIA TABLE 3: CT, PA & DC INITIAL YEAR COMMISSIONS

Agent $574.00

ALL OTHER STATES TABLE 4: ALL OTHER STATES INITIAL YEAR COMMISSIONS Agent $510.00

Note: The above commissions will be paid for electronic enrollments only. In the event that Agent or its Representatives submit paper based enrollments, the Company reserves the right to charge Agent and its Representatives an administrative fee which will be deducted from the Agent-level commission specified above. The amount of any administrative fee will be determined by the Company and made available to Agent upon request.

“Renewal Year” Commissions – Renewal Enrollments for CMS Plan Year 2020

For the Plan Year 2020, the Company shall pay Agent and its Representatives the following renewal commissions for each individual not identified by CMS as “Initial” and properly enrolled in a Company MA Plan which Agent and its Representatives are approved and authorized to market and promote for the 2020 CMS Plan Year, for January 1, 2020 through December 31, 2020 effective enrollments. If Agent and its Representatives receive the “Initial Year” or “Renewal Year” commission for an enrollment effective on or after January 1, 2020 for the 2020 CMS Plan Year, Agent and its Representatives shall be entitled to the following renewal commissions, subject to amendment, in subsequent CMS Plan Years, up to 50 (fifty) percent of the of the CMS published FMV (Fair Market Value) for each Plan Year, provided that the individual remains enrolled in a Company MA Plan throughout each renewal year and provided that Agent and Representatives remain credentialed (licensed, appointed and certified) as required by the Company for each renewal year. Renewal Year Commissions*

CALIFORNIA TABLE 5: CA RENEWAL YEAR COMMISSIONS

Agent $318.00

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NEW JERSEY TABLE 6: NJ RENEWAL YEAR COMMISSIONS Agent $318.00

CONNECTICUT, PENNSYLVANIA & DISTRICT OF COLUMBIA TABLE 7: CT, PA & DC RENEWAL YEAR COMMISSIONS

Agent $287.00

ALL OTHER STATES TABLE 8: ALL OTHER STATES RENEWAL COMMISSIONS

Agent $255.00 Note: The above commissions will be paid for electronic enrollments only. In the event that Agent or its Representatives submit paper based enrollments, the Company reserves the right to charge Agent and its Representatives an administrative fee which will be deducted from the Agent-level commission specified above. The amount of any administrative fee will be determined by the Company and made available to Agent upon request.

*Commissions are not payable for any sale of a Company MA plan to an individual who may be eligible for such plan through intermediary organizations such as employers, unions or other groups. Individuals with employer-funded Health Reimbursement Arrangements (HRAs) may be required to have a particular Agent as Agent of record (AOR) in order to access HRA funds to pay premiums. In such cases, United reserves the right to change AOR to ensure member access to HRA funds.

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MA Commission Schedule Appendix A

Non-Commissioned Plans and Counties for Specified Medicare Advantage Plans for applications effective on or after January 1, 2020.



R7444-001-000 AARP Medicare Advantage

Choice Massachusetts: Barnstable, Dukes, Franklin, Nantucket

R5342-001-000 UnitedHealthcare Medicare Advantage Choice Plan 1

New York: Bronx, Kings, Nassau, New York, Queens, Richmond, Suffolk

R5342-002-000 UnitedHealthcare Medicare Advantage Choice Essential



H2406-020-000 UnitedHealthcare Sync Florida: Palm Beach

R0759-003-000 UnitedHealthcare Dual Complete

RP Florida: Miami-Dade


RP Hawaii: Honolulu

H7445-004-000 UnitedHealthcare Medicare

Advantage Illinois: Carroll

R5329-001-000 AARP Medicare Advantage

Choice Maine: Aroostook, Hancock, Piscataquis, Washington

H7404-004-000 UnitedHealthcare Sync Minnesota: All Counties North Dakota: All Counties


Advantage Choice New York: Montgomery


Advantage Assure New Mexico: Bernalillo, Sandoval, Santa Fe, Valencia


Advantage Assure New Mexico: Dona Ana, Grant, Hidalgo, Luna, Sierra


RP

North Carolina: Alamance, Buncombe, Caswell, Catawba, Chatham, Cumberland, Davidson, Davie, Durham, Forsyth, Guilford, Henderson, Mecklenburg, Orange, Person, Randolph, Rockingham, Rowan, Stokes, Wake, Wilkes, Yadkin

H3113-009-000 UnitedHealthcare Dual Complete Pennsylvania: Philadelphia

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H0251-005-000 UnitedHealthcare Dual Complete

ONE Plus Tennessee: All Counties

H5322-024-000 AARP MedicareComplete Plan 1 New Hampshire: All Counties

H5322-025-000 UnitedHealthcare Dual Complete Texas: All Counties

H5322-026-000 UnitedHealthcare Dual Complete Texas: All Counties

H5322-028-000 UnitedHealthcare Dual Complete Ohio: All Counties

H5322-029-000 UnitedHealthcare Dual Complete Kansas: All Counties

H5322-030-000 UnitedHealthcare Dual Complete Georgia: All Counties

H5322-031-000 UnitedHealthcare Dual Complete Oklahoma: All Counties

H5008-012-000 UnitedHealthcare Dual Complete

LP1 Arizona: Gila

All UnitedHealthcare Institutional

SNP Plans All Counties in All States

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Exhibit 2

III. MEDICARE SUPPLEMENT INSURANCE PLANS WHICH CARRY THE AARP NAME

2020 POLICY EFFECTIVE DATES

The Company will compensate Agent and its Representatives as shown in the Commission Schedule for each individual properly enrolled in a Medicare Supplement insurance plan that carries the AARP name (“AARP Med Supp Plan”) and that Agent is approved and authorized to market and promote. The commission payments listed at each level are net of compensation payable to all lower sales levels. To the extent any sales level is not involved in the sale of the AARP Med Supp Plan, the compensation payable to such sales level shall roll-up and be payable to the next higher sales level. The maximum amount payable at each sales level will not exceed the sum of that level and each of the lower sales level. Payment will be made in the next scheduled commission payment cycle following the entry of a qualifying application into the Company’s enrollment system. The Compensation Schedules have been filed for approval with the applicable state regulatory agencies and are subject to state approval. The Company may modify the compensation rates as required for state approval and will communicate any such modification as appropriate.

1. Payment of commissions noted in Section 2 shall be made in compliance with applicable state laws and regulations and subject to the provisions of the Agreement, including the following terms and conditions: a. Commissions due to Agent are based on the collected premium amount (except in

Washington, where it shall be based on a percentage of the then-current premium amount) received by Company.

b. Commissions are payable only when premium payments are current and no late premium payments are due. Agent shall not be entitled to commissions (including over-riding commissions) on premiums which would be owed for any AARP Med Supp Plan but which have been waived by the Company.

c. A nine-month commission advance is paid on all AARP Med Supp Plan sales once the

first month premium has been paid (except in limited circumstances as may be determined by the Company).

d. No commission will be paid for any plan change from an existing AARP Med Supp Plan

to another AARP Med Supp Plan.

e. The commission amount payable for year 1 will be equal to the year 2 amount when the sale of an AARP Med Supp Plan replaces another carriers’ Medicare Supplement Plan. In New York, this also applies when the sale of the AARP Med Supp plan replaces another carriers’ Medicare Advantage Plan.

f. Commissions are not payable for any sale of an AARP Med Supp Plan where the

applicant's premium will be paid (in whole or in part) by a third-party payer. Note that third party payer does not include a family member or personal guardian of the applicant.

g. Commissions are not payable for any individual/applicant who is under the age of 65 as

of their plan effective date except as noted in the following states where required:

i. CA (only during the first six months of Medicare Part B enrollment)

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ii. CO, FL, IL, KS, ME, MN, MO, MT, NY, OR, PA, TN and WI

In these cases, the age 65+ commission applies. Further, in these cases, no commission is payable beyond year 6 in the states of CA and PA.

h. If any AARP Med Supp Plan lapses for a period exceeding three (3) months and is not

subsequently reinstated, there shall be no further obligation upon the Company to pay compensation hereunder for such AARP Med Supp Plan unless said plan is reinstated through the direct efforts of Agent or its Representatives, as authorized and determined by the Company.

i. Notwithstanding commissions payable in the state of Washington, the Company shall have the right to cumulate any commissions due to Agent until such commissions equal at least twenty dollars ($20.00).

j. If the Company refunds any premium for any reason, Agent is indebted to the Company

for any Agent commissions paid on that premium. Agent shall reimburse the Company for the premiums and commissions within thirty (30) days of the Company’s written request.

k. Any unearned commissions will be recovered on lapses (terminations of coverage). In the

event of death, the Agent is paid commission through the end of the month in which the member died.

l. Any unearned commissions paid on an AARP Med Supp Plan that is terminated or

surrendered will be charged back in full to all levels that were paid for that plan.

i. Charge-backs will be recovered from the next available commission check.

ii. If there is not enough new business to offset this charge-back, the balance of the charge-back is rolled to the next commission statement. This continues until the charge-back is repaid in full.

m. Commissions are not payable for any sale of an AARP Med Supp Plan to an individual

who may be eligible for AARP branded coverage through intermediary organizations such as employers, unions or other groups.

n. For any individual/applicant who is eligible for guaranteed issue coverage outside of his/her open enrollment period as of the plan effective date:

i. For years 1-6 (1-7 for TX, 1-5 for WV), commissions for all levels will be paid

at 10% of the 65+ rates, except in the states of CO, CT, FL, IN, MA, MN, MO, MT, NY, OR, SC, TN, VT, WA and WI. In these states, the full 65+ commission rates apply.

ii. For years 7-10 (8-10 for TX; 6-10 for WV) and 11+, commissions are not

payable, except in the states of CO, CT, FL, MA, MN, MT, OR, SC, TN, VT, WA and WI. In these states, the full 65+ commission rates apply.

o. The Company reserves the right to recover commissions in any lawful way as

appropriate.

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2. Commission Schedule

AARP Medicare Supplement Insurance Plans UnitedHealthcare Insurance Company Age 65+ Commission Schedule

For Policies Effective January 1, 2020 and later

States PlansAL, ID, KS, LA, ME, NH 1 2-6 7-10 11+

B, C, F, G, Select G $242.00 $242.00 $121.00 $48.40N, Select N $210.00 $210.00 $105.00 $42.00

A, K, L $105.00 $105.00 $52.50 $21.00

AK, HI, SD 1 2-6 7-10 11+

B, C, F, G $165.00 $165.00 $82.50 $33.00N $150.00 $150.00 $75.00 $30.00

A, K, L $75.00 $75.00 $37.50 $15.00

DC, ND, RI, WY 1 2-6 7-10 11+

B, C, F, G $196.00 $196.00 $98.00 $39.20N $170.00 $170.00 $85.00 $34.00

A, K, L $85.00 $85.00 $42.50 $17.00

FL, GA, KY, MD, MS, NC, NE, NV, OH, PA, TN 1 2-6 7-10 11+

B, C, D, F, G, Select G $378.00 $242.00 121.00$ 48.40$ N, Select N $210.00 $210.00 105.00$ 42.00$

A, K, L $105.00 $105.00 52.50$ 21.00$

NM, OR, UT, VA 1 2-6 7-10 11+

B, C, F, G, Select G $332.00 $219.00 109.50$ 43.80$ N, Select N $190.00 $190.00 95.00$ 38.00$

A, K, L $95.00 $95.00 47.50$ 19.00$

AR 1 2-6 7-10 11+

B, C, F, G, Select G $265.00 $265.00 132.50$ $53.00N, Select N $230.00 $230.00 115.00$ $46.00

A, K, L $115.00 $115.00 57.50$ $23.00

AZ 1 2-6 7-10 11+


A, K, L $105.00 $105.00 52.50$ 21.00$

CA 1 2-6 7-10 11+

B, C, F, G $345.00 $345.00 172.50$ 69.00$ N $300.00 $300.00 150.00$ 60.00$

A, K, L $150.00 $150.00 75.00$ 30.00$

CO 1 2-6 7-10 11+

All Plans $286.00 $196.00 $98.00 $39.20

CT 1 2-6 7-10 11+

B, C, F, G $356.00 $231.00 115.50$ 46.20$ N $210.00 $210.00 105.00$ 42.00$

A, K, L $105.00 $105.00 52.50$ 21.00$

DE 1 2-6 7-10 11+

B, C, F, G $231.00 $231.00 115.50$ 46.20$ N $210.00 $210.00 105.00$ 42.00$

A, K, L $105.00 $105.00 52.50$ 21.00$

IL 1 2-6 7-10 11+

B, C, F, G, Select G $353.00 $300.00 $150.00 $60.00N, Select N $250.00 $250.00 $125.00 $50.00

A, K, L $125.00 $125.00 $62.50 $25.00

IN 1 2-6 7-10 11+

All Plans $276.00 $276.00 $0.00 $0.00

IA 1 2-6 7-10 11+

B, C, F, G $286.00 $196.00 98.00$ 39.20$ N $170.00 $170.00 85.00$ 34.00$

A, K, L $85.00 $85.00 42.50$ 17.00$

MA 1 2-6 7-10 11+

MY , MV $350.00 $242.00 $121.00 $48.40 MX $105.00 $105.00 $52.50 $21.00

MN (not payable for riders) 1-4 5-6 7-10 11+

UW , RW $375.00 $265.00 132.50$ $53.00TW $265.00 $265.00 132.50$ $53.00

Agent Years

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States PlansMI 1-3 4-6 7-10 11+

B, C, D, F, G $400.00 $265.00 132.50$ 53.00$ N $230.00 $230.00 115.00$ 46.00$

A, K, L $115.00 $115.00 57.50$ 23.00$

MO 1 2-6 7-10 11+

B, C, F, G $458.00 $282.00 141.00$ 56.40$ N $210.00 $210.00 105.00$ 42.00$

A, K, L $105.00 $105.00 52.50$ 21.00$

MT 1 2-6 7-10 11+

All Plans $260.00 $183.00 91.50$ 36.60$

NJ 1 2-6 7-10 11+

B, C, D, F, G $424.00 $265.00 132.50$ 53.00$ N $230.00 $230.00 115.00$ 46.00$

A, K, L $115.00 $115.00 57.50$ 23.00$

NY 1 2-6 7-10 11+

B, C, F, G $400.00 $270.00 $0.00 $0.00N $270.00 $270.00 $0.00 $0.00

A, K, L $135.00 $135.00 $0.00 $0.00

OK 1 2-6 7-10 11+


A, K, L $95.00 $95.00 47.50$ 19.00$

SC 1 2-6 7-10 11+

C, F $242.00 $242.00 121.00$ 48.40$ B, G $226.00 $226.00 113.00$ 45.20$

N $210.00 $210.00 105.00$ 42.00$

A, K, L $105.00 $105.00 52.50$ 21.00$

TX 1 2-7 8-10 11+


A, K, L $105.00 $105.00 52.50$ 21.00$

VT 1 2-6 7-10 11+

C, F $196.00 $196.00 98.00$ 39.20$ B, G $183.00 $183.00 91.50$ 36.60$

N $170.00 $170.00 85.00$ 34.00$

A, K, L $85.00 $85.00 42.50$ 17.00$

WA All years

All Plans 8.00% 8.00% 8.00% 8.00%

WI (not payable for riders) 1 2-6 7-10 11+

MW $260.00 $240.00 120.00$ 48.00$

NW $190.00 $190.00 95.00$ 38.00$

WV 1 2-5 6-10 11+

B, C, F, G $265.00 $265.00 26.50$ 26.50$ N $230.00 $230.00 23.00$ 23.00$

A, K, L $115.00 $115.00 11.50$ 11.50$

GU, PR, VI 1 2-6 7-10 11+

B, C, F, G, N $110.00 $110.00 $0.00 $0.00 A, K, L $55.00 $55.00 $0.00 $0.00

Agent Years

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Exhibit 3

IV. LIST OF AFFILIATES†

Affiliates offering PDP Plans in filed and approved areas UnitedHealthcare Insurance Company UnitedHealthcare Insurance Company of New York (New York residents) Affiliates offering MA Plans including HMO, Local and Regional PPO, and Special Needs Plans Arizona Physicians IPA, Inc. UnitedHealthcare Community Plan, Inc. UnitedHealthcare Community Plan of Texas, L.L.C. Care Improvement Plus of Texas Insurance Company UnitedHealthcare Community Plan of California, Inc.* Care Improvement Plus South Central Insurance Company UnitedHealthcare Insurance Company UnitedHealthcare Insurance Company of Illinois* Care Improvement Plus Wisconsin Insurance Company UnitedHealthcare Insurance Company of New York Harken Health Insurance Company UnitedHealthcare Insurance Company of the River

Valley MAMSI Life and Health Insurance Company UnitedHealthcare of Alabama, Inc. Medica Healthcare Plans, Inc. UnitedHealthcare of Arkansas, Inc. UnitedHealthcare of Florida, Inc.* UnitedHealthcare of Georgia, Inc. Optimum Choice, Inc. UnitedHealthcare of Illinois, Inc. Oxford Health Insurance, Inc. UnitedHealthcare of Kentucky, Ltd. Oxford Health Plans (CT), Inc. Oxford Health Plans (NJ), Inc. UnitedHealthcare of New England, Inc. Oxford Health Plans (NY), Inc. UnitedHealthcare of New Mexico, Inc. UnitedHealthcare of New York, Inc. PacifiCare Life Assurance Company UnitedHealthcare of Oklahoma, Inc. PacifiCare of Colorado, Inc. UnitedHealthcare of Oregon, Inc. Physician’s Health Choice of Texas, L.L.C. UnitedHealthcare of the Mid-Atlantic, Inc. Preferred Care Partners, Inc. UnitedHealthcare of the Midlands, Inc. Rocky Mountain Health Maintenance Organization, Incorporated

UnitedHealthcare of the Midwest, Inc.

Sierra Health and Life Insurance Company, Inc. UnitedHealthcare of Utah, Inc. Symphonix Health Insurance, Inc. UnitedHealthcare of Wisconsin, Inc. UHC of California d/b/a UnitedHealthcare of California UnitedHealthcare Plan of the River Valley, Inc. UnitedHealthcare Benefits of Texas, Inc. *For Plan Year 2020 Affiliates offering Medicare Advantage Private Fee for Service Plans UnitedHealthcare Insurance Company Affiliates offering AARP Branded Med Supp Plans in filed and approved areas UnitedHealthcare Insurance Company UnitedHealthcare Insurance Company of New York (New York residents) †

For plan effective dates of January 1, 2020 and later, Agents are not authorized to sell any plans on contract number H5322.

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Exhibit 4

Exhibit E - Agent HRA Agreement

UnitedHealthcare Insurance Company, on behalf of itself and its affiliates (hereinafter referred to as the “Company” or “United”), has agreed to provide funds for a Health Risk Assessment (HRA) Program per the terms below. This is a voluntary program. Program highlights: Agents are invited to complete HRAs when enrolling individuals in Medicare Advantage, Dual Special Needs and Chronic Special Needs plans offered by UnitedHealthcare (“United Plans”). The plans listed on Appendix A of the MA Commission Schedule, “Non-Commissioned Plans and Counties for Specified HMO, PPO, RPPO, Dual SNP and Institutional SNP Plans, as amended, are excluded from this program. The HRA is a tool used to assess members’ physical, psychosocial, and functional needs. To the extent Agents participate in this program, the following General Terms and Conditions apply: o Agents must be licensed, appointed and certified in the products they are selling for the current

year;

o Agents must complete initial Special Needs Plan Model of Care training prior to completing an HRA and annually thereafter;

o HRA must be completed electronically through the United HRA website designated by the

Company; o At the time of enrollment, Agent will assist an individual who is being enrolled in a United Plan

with completing an HRA through the United HRA website. If Agent is unable to submit the HRA through the United HRA website upon its completion (e.g., agent does not have internet access at the time), Agent shall have three calendar days from the application signature date to submit the HRA electronically through the United HRA website. To the extent that the United HRA website is not available and the HRA cannot be submitted timely, United will extend some additional flexibility;

o Agents must follow United’s policies and procedures and all applicable federal and state laws, rules

and regulations relating to electronic and paper enrollment methods; o Agent agrees to strictly comply with United’s policies and procedures and all applicable federal and

state laws, rules and regulations relating to the completion of HRAs; and o Agent acknowledges and agrees that all activities performed under this Program are subject to the

data privacy and security safeguards set forth in the Business Associate Addendum, which is attached to the Agreement as Exhibit C.

Payment Terms:

• The Company agrees to pay Agent a one-time $50 payment for each HRA completed provided the following requirements are met:

19

o Individual must be enrolled in a United Plan (payment will not be made if an application is submitted but the individual cannot be enrolled into the plan);

o HRA must be completed through the United HRA website at the time of enrollment. If Agent is unable to submit the HRA through the United HRA website upon its completion (e.g., agent does not have internet access at the time), Agent shall have three calendar days from the application signature date to submit the HRA electronically through the United HRA website. To the extent that the United HRA website is not available and the HRA cannot be submitted timely, United will extend some additional flexibility; and

o Agent must meet eligibility requirements set forth above. Termination Provision: This Program may be modified or terminated by United at any time and pursuant to the notice provisions set forth in the Agreement.

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May 14, 2020 Re: Amendment to Agent Agreement Dear Agent: Effective immediately, this “Letter Amendment” amends Appendix A of the MA Commission Schedule, “Non-Commissioned Plans and Counties for Specified HMO, PPO, RPPO, Dual SNP and Institutional SNP Plans for applications effective on or after January 1, 2020” attached to your UnitedHealthcare Insurance Company (“Company” or “United”) Agent Agreement (the “Agreement”), as follows:

1. For applications signed on or after May 14, 2020, the following Plans/Counties are hereby

removed from the list of Non-Commissioned Plans and Counties:



H1375-002-000 UnitedHealthcare Dual

Complete® California: Kings County

H0543-181-000 UnitedHealthcare® Medicare

Advantage Assure Plan (HMO) California: Kings County

H0543-035-000 AARP® Medicare Advantage

SecureHorizons® California: Kings County

For clarification, the Company will pay commissions on any applications signed on or after May 14, 2020, for the plans/counties listed above.

This Letter Amendment amends all versions of the Agreement including the new version issued in 2020 and all prior versions. In the event that Agent does not agree to the amendments set forth in this Letter Amendment, Agent must notify the Company that Agent is terminating the Agreement within thirty (30) days following the date of this Letter Amendment, in which case the Agreement shall be immediately terminated.

The terms and conditions set forth in the Agreement, as amended and modified by this Letter Amendment, shall continue in full force and effect. In the event there is any inconsistency or conflict between the provisions in this Letter Amendment and those in the Agreement, the provisions in this Letter Amendment will supersede and control. Unless otherwise defined in this Letter Amendment, all capitalized terms contained in this Letter Amendment shall be defined as set forth in the Agreement.

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Sincerely,

Mark Phillips Chief Sales and Distribution Officer UnitedHealthcare Medicare Solutions

september 16, 2019 · 2020-05-19 · i. notwithstanding commissions payable in the state of...

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