What makes OPHIANA different than other Medicare platforms?
Other platforms may offer a quick pay for that $100 they pay per app but OPHIANA knows how much time and effort goes into helping a client find the Medicare Advantage plan that best fits their needs. Because of this, we pay the maximum CMS allows for each state directly to you.
What is the chargeback window?
Each Carrier you certify with has their own set of rules for chargebacks. The industry standard is four months and may vary.
Do I get residuals?
ABSOLUTLY! This is one of the many places we shine in comparison to other platforms. Some other companies will dangle that $100 carrot but we keep paying residuals as long as you continue to meet carrier requirements.
Am I a captive agent?
No. Agents who use the OPHIANA platform are free to work as an agent with other companies but we ask whatever carrier you decide to certify with under OPHIANA, that business will be with you and us.
Is there a cost to me to use the OPHIANA platform?
There is but only if you convert the potential clients, we send you. The cost to you per converted lead is $65. We send you 10 leads and you convert five, it will cost $325. For example, if these 5 were in California and where new to Medicare for 2021, you would make $3360. The $325 does go cover all the back-office support, phone banks, marketing, and advertising. Also, it is tax deductible to you, but you will need to confirm this with your tax professional.
Do I have to be appointed through OPHIANA?
Yes. If appointed with our carriers through other agencies, you’ll have to get reappointed through OPHIANA.
When do I get paid?
You start earning money when you start selling policies on our platform. Specific to Annual Election Period (AEP), we have a call efficiency plan that pays you during AEP. You will then receive the traditional post-AEP payments at the conclusion of AEP.
How much do I have to work?
You make your own schedule and can work as often or as little as you want. And you can take as much time off between log-ins as you need. You are your own boss.
Why do you recommend 4+ state licenses?
When you log in to the platform, you immediately start getting calls from shoppers who live in the states for which you have licenses. The more state licenses you have, the more calls you can take. The fewer state licenses you have, the more likely it is you will experience long wait times between calls, which can be a frustrating experience.
Will I be an OPHIANA employee?
You are not an employee but an independent contractor.
What are indicators of platform success?
Great question! Since you are your own boss, you get to decide your own definition of success! We see agents with sales experience, entrepreneurial spirit, time management skills, and up on the latest technology are more likely to taking that trip to Europe soon than later.
Are there benefits?
You are an independent contractor and because of this, OPHIANA does not offer any benefits. Being your boss and calling all your own shots are the benefits that come with joining the OPHIANA platform.
Does OPHIANA grant immediate releases to Medicare Agents?
If you really want to leave us, we won’t hold you back like others. OPHIANA does provide immediate releases for Agents. Agents may also need to work with the carrier to process a release.
If I decide to stop using OPHIANA, what happens with all the clients I brought on through the platform?
Unlike more other platforms and agencies, you earned your book of business, you keep your book of business! We never take your clients; they are ALWAYS yours to keep even if you decide to leave us, but we hope you will stick around for a while.