Submitting Individual Plans During Open Enrollment

Published: 11.26.2024

To assist you with submitting individual applications, My Savoy Benefits has created an FAQ guide to help you navigate enrollments during the Open Enrollment Period, which starts November 1st.

Do I Need to Be Appointed with Every Carrier?
What Is the Submission Process for Off-Exchange Applications?
What Do Existing Clients Need to Do?
How Are Broker of Record (BOR) Changes Processed?
What About Clients Who May Be Eligible for A Premium Subsidy?
What Is the Process of Terminating an Individual Plan?
Am I Able to Have My Own Carrier Broker Portal Account?
What Are the Broker Commissions Rates?
What Are the Deadlines for Submitting Applications?

Do I Need to Be Appointed with Every Carrier?

My Savoy Benefits has created the following broker checklist to ensure that you are ready to sell for the upcoming Individual Open Enrollment season.

Individual Plans - Marketplace and Carrier Registration Checklist

Please be reminded that commissions will not be paid unless your Exchange and carrier appointments are in place prior to submitting an application. This also applies to your renewing business.

What Is the Submission Process for Off-Exchange Applications?

CARRIER	QUOTING	SUBMISSION PROCESS
Aetna	Directly from your Producer World portal.	There are no paper applications, but please submit all Aetna applications directly through your Aetna Producer World portal.
Ambetter/Centene	Please quote directly from the respective Exchange (FFM or State-Based).	There are no paper applications. Please submit all applications through the Marketplace.
AmeriHealth	Directly from Consumer Connect AH4YOU (via Sales Portal) or Savoy’s individual quoting website mysavoybenefits.com.	A completed enrollment form will be required. Applications can only be submitted electronically. Payment will be required for the first month’s premium.
Highmark (PA/DE)	Directly from your Highmark Producer Portal.	Applications can be submitted directly through your Highmark Producer Portal. If you wish to submit a paper application, you may do so by emailing Savoy for manual processing. Blank copies of the application can be found below. Highmark DE Individual Application Highmark PA Individual Applications Northeast PA Western PA Central PA Southeast PA
Horizon BCBSNJ	Directly from your Horizon Broker Portal or Savoy’s individual quoting website mysavoybenefits.com.	A completed enrollment form will be required. Applications can only be submitted electronically. Horizon accepts VISA, Mastercard, Discover, or a copy of a voided check. When paying by credit card, please make sure to include the 3-digit security code on the back of their credit cards.
Independence Blue Cross	Directly from Consumer Connect IBX4YOU (via Sales Portal) or Savoy’s individual quoting website mysavoybenefits.com.	A completed enrollment form will be required. Applications can only be submitted electronically. Payment will be required for the first month’s premium.
Oscar (NJ/PA)	Directly from your Oscar Broker Portal.	A completed enrollment form will be required. Blank copies of the applications can be found below. Pennsylvania New Jersey Applications can only be submitted electronically through your Oscar Broker Portal. The carrier will bill the members directly. Please make sure to remind them to make a payment once their first month’s invoice is received to ensure that they receive their ID cards on time.
UnitedHealthcare	Directly from your UHC Jarvis Broker Portal or HealthSherpa account.	There are no paper applications, but please submit all UnitedHealthcare applications directly through your Jarvis portal.

What Do Existing Clients Need to Do?

Please continue to stay in touch with all existing clients. If your client happens to contact any of the carriers directly to discuss their renewal notices or make any plan changes, you will run the risk of being removed as the Broker of Record (BOR) for commissions purposes.

Members who are renewing “as is” (applies to off-exchange members only): Nothing further needs to be done as the carrier will automatically renew members.
Submitting plan changes: Existing members are encouraged but not required to submit a payment method when requesting a plan change. This will ensure that new ID cards will be generated on time. If you are submitting a conversion for an existing member but you are not the broker and Savoy is not the GA, please note that this would serve as your BOR during open enrollment. No additional BOR form will be required.
Marketplace members: Please remind your members to make sure they update their estimated adjusted gross income (AIG) for 2025 to determine if they continue to qualify for a subsidy or not.

How Are Broker of Record (BOR) Changes Processed?

Horizon BCBSNJ:

For submitting BORs for any existing members who do not wish to make a plan change, the current BOR form can be downloaded here: Horizon BCBSNJ BOR Template.

Please note that this only applies to off-exchange enrollments.

Additionally, be sure to submit all BOR changes by December 31^st as per Horizon’s guidelines during OEP. Anything received after that date will not be processed.

All Other Carriers:

Submitting an application to Savoy will serve as your BOR whether it is for an existing member looking to make a plan change or looking to switch to another carrier.

On-Exchange:

BOR’s can only be processed through the Marketplace by contacting them directly or by having the member designate you as their BOR.

What About Clients Who May Be Eligible for A Premium Subsidy?

If you believe your client may qualify for a Premium Tax Credit subsidy, please visit GetCoveredNJ (for NJ residents) or Pennie (for PA residents)—and be sure to enter the agent’s name and NPN to be recognized as the Broker of Record.

For DE residents, please visit healthcare.gov/.

What Is the Process of Terminating an Individual Plan?

My Savoy Benefits has created the following guide to ensure that you are familiar with the process of terminating individual plans.

Terminating Individual Policies - Carrier Guidelines and Reminders

Am I Able to Have My Own Carrier Broker Portal Account?

If you wish to submit your AmeriHealth, IBC and Horizon enrollments directly through your Broker Sales Portal, you may do so. If you wish to be set up or check your account status, please send us an email us at individualenroll@savoyassociates.com.

Otherwise, please ensure that all applications, change requests, or any individual inquiries are emailed directly to our Individual Enrollment Team at individualenroll@savoyassociates.com.

What Are the Broker Commissions Rates?

Please continue to check the yearly commissions schedules directly from our website.

What Are the Deadlines for Submitting Applications?

New Jersey:

Members who wish to have a 1/1/2025 effective date must apply no later than 12/31/2024. Otherwise, the next available date would be for a 2/1/2025 date.

New Jersey’s open enrollment deadline is January 31, 2025. Any applications received after that will require a triggering event.

Pennsylvania:

Members who wish to have a 1/1/2025 effective date must apply no later than 12/15/2024. Otherwise, the next available date would be for a 2/1/2025 date.

Pennsylvania’s open enrollment deadline is January 15, 2025. Any applications received after that will require a triggering event.

Delaware:

Members who wish to have a 1/1/2025 effective date must apply no later than 12/15/2024. Otherwise, the next available date would be for a 2/1/2025 date.

Delaware’s open enrollment deadline is January 15, 2025. Any applications received after that will require a triggering event.

My Savoy Benefits Is Ready to Help!

If you have any questions, please reach out to our team today.
📧 individualenroll@savoyassociates.com