Frequently asked questions

First Steps

What are the steps to becaome a Stella Agent?


In order to become a Stella Health agent, you must first sign and complete the Career/Independent agent contract packet. This packet is sent out via docusign to help make this process quick and easy.




What is in the Stella Health agent contract packet?


Depending on what type of agent you would like to become, a Career or Independent Agent, each packet contains a Producer Agreement. This agreement lays out all the ins and outs of the relationship and expectations between Stella Health and the agent. The packet also contains an Agent Profile, a document that asks for basic information such as name, email, phone number, and address. A Schedule “A” Agreement, a document detailing the commission pay out the new agent should expect to receive. A W9 Form, and a Direct Deposit Form.




What is the difference between a Career and Independent Agent?


A Career Agent would be an individual that would like to utilize all benefits Stella Health has to offer. Some of the great benefits Stella offers its Career Agents are training and guidance throughout their entire Stella career. The option to attend community events, which is a great way to acquire leads. Access to our customer service department, our customer service representatives will perform welcome calls, retention calls, and go above and beyond with making sure each of your clients are happy and well taken care of. Access to Stella Health’s Marketing Program and much more. Offering these benefits are one of the many reasons why Stella Health stands out from other agencies. An Independent Agent would be an individual that would prefer a more self-guided approach with their career. This individual will take initiative in seeking out leads on their own. Creates self-marketing tools and strategies to promote leads and oversees each client personally with outstanding customer service support.




Is there any other opportunity for growth within Stella Health other than
a Career and Independent agent?


Of course! Once you have mastered the field you can become of a leader of your very own team and create a Sub Agency through Stella Health. Another exciting benefit we provide here at Stella Health Agency.




What other requirements do I need in order to become a Stella Health
Agent?


After completing the Stella Heath contract packet, we will ask for a copy of your State License, AHIP, and E&O




What qualifications do I need in order to create my own sub agency
through Stella Health?


In order to create your own Sub Agency, Stella Health will require you to complete a General Agency Agreement contract packet. Just like the Career and Independent contract packet. The General Agency Agreement states the ins and outs of the relationship between your Sub Agency and Stella Health. The only difference is instead of receiving an Agent Profile we are going to ask you to fill out an Agency Profile. Again, the Agency Profile asks basic questions like the agency name, phone number, and email address for the sub agency. Also, if you are creating you own sub agency through Stella Health you must obtain your very own Business Entity License and create your own corporation. Now to go further into sub agencies in order to have the ability to create your very own team you must have a minimum of 5 agents within your sub agency including yourself. You must also maintain a minimum production count of 300, this is for a level 1 sub agency. Over time if you would like to grow your team to become a level 2 sub agency, you must have a minimum of 10 agents within your sub agency and maintain a minimum production of 600. As you can see there is plenty of opportunity for growth being an agent here at Stella Health. Exciting stuff, right?





License

What are the steps for me to obtain my state license?


In order to obtain your license, you must follow these steps.

  • Step 1 – First you must fulfill the state pre-licensing requirement of 40 hours of approved life, accident, and health pre-licensing study and 12 hours of approved pre-licensing study on ethics and the California insurance code.
  • Step 2 – You must fulfill the California resident fingerprint requirement. California requires fingerprints to be taken in order to perform a background check.
  • Step 3 – Take and pass the California State License Exam.
  • Step 4 – The final step you must apply for your State License.
It is as simple as 4 easy steps.




Does Stella Health provide pre-licensing study training prior to the state license exam?


Yes! Stella Health works with ExamFX to help our agents get through the pre-licensing study training. Now what is great about this opportunity is in using Stella Health’s registration code on ExamFX this will give you a significant discount. ExamFX provides the pre- licensing training in two packages the Video Study Package at regular cost $209.95, and the Live online Study package at $249.99. When using Stella Health’s registration code when signing up for ExamFX it will bring down the prices for the Video Study Package to $59.95, and the Live Online Package to $89.95. What a great opportunity to save! Reach out to the onboarding specialist at Stella Health to get further information on how to receive the Stella Health registration code.




Where do I go to fulfill the California resident fingerprint requirement?


When you are ready to take your fingerprints for the California state requirement you must go to the Accurate Biometrics site to schedule an appointment for your finger print impressions. Here is the link for that site, https://accuratebiometrics.com/contact Also when attending your appointment for your fingerprint impression at Accurate Biometric you must bring along a completed Live Scan Request Form. Here is a link to that document, http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-
requirements/upload/LIC44239AReqlivescan-4.pdf




Where do I take my state license exam?


If you do not already have your State License you must take and pass the state license
exam on the PSI exam website. Here is the link to the site for reference,
https://candidate.psiexams.com/index.jsp #Stellahack you could have your fingerprint
impressions taken at the same time you attend your scheduled California state license
examination. If you wish to knock out both the examination and fingerprint impression at the
same time these will both be done at PSI’s testing center.




Where do I apply for my California state license?


When you have complete steps 1-3 of the licensing process you are now ready to apply
for your California state individual license. You must go to the Sircon website and
complete an application for your state license. Here is the link for the site,
https://www.sircon.com/products/apply.jsp




How much are the fees for obtaining my state license?


The entire cost of the licensing process will depend on and which study package you
choose to take for the pre-licensing training California state requirement, and where
you want to get your fingerprint impressions taken. The ExamFX fee (with Stella Health’s
registration code) will be $89.95 for the Live Online Study Package, or $59.95 for the
Video Study Package. The fingerprint impression will cost $59.00 through Accurate
Biometric. If you choose to get your fingerprint impressions taken at the same time as
your scheduled examination at the PSI testing center, this will cost $68.95. The cost of
the state license examination is $88.00, and the two-year licensing fee (license
application) will be $188.00.




Can I obtain an out of state license?


Yes, you can obtain an out of state license as a non-resident for other states. Stella Health is currently contracted to sell all Medicare products with each carrier in the states of Arizona, California, Colorado, New Mexico, Nevada, and Texas. You are more than welcome to acquire any of those state license in addition to your required California state license. This can be completed within the Sircon website.




Am I required to take a separate state license exam to obtain my sub
agency license?


No, obtaining your business entity license is so much quicker than obtaining your individual state license. The steps to obtain you business entity license are as follows;

  • Step 1 - Reserve your business name for approval.
  • Step 2 – You must apply for your business license on the Sircon website.
  • Step 3 – Endorse an individual accident and health agent to your business entity. When applying for your sub agency license you theindividual that will be endorsed on the business entity must already have a California state individual license.
All steps 1-3 can be completed on the Sircon website. Here is the link to Sircon, https://www.sircon.com/products/apply.jsp





AHIP

What is AHIP?


An AHIP is a Medicare, and Fraud, Waste and Abuse certification. The AHIP certification is something each agent must complete on a yearly basis. Every agent must have this in order to become a Stella Health agent. The AHIP is also required to begin the contracting process for each insurance carrier.




Where can I complete my AHIP certification training?


You can complete the AHIP certification through the AHIP website, Here
https://www.ahipmedicaretraining.com/ext/ahip/login.php




Does Stella Health provide support during the AHIP certification process?


Yes! If you need any assistance during your AHIP certification the onboarding specialist at Stella Health will be able to assist you. You may reach out to the onboarding specialist at anytime.




How much is the AHIP certification?


The fee for the AHIP certification is $175.00. #Stellahack Want to find out how to take your AHIP certification at a discounted price of $125.00? Speak with the onboarding specialist at Stella Health to find out more.





E&O

What is an E&O?


E&O stands for Errors and Omissions, an E&O is insurance coverage for licensed life and health agents. Another requirement for both Stella Health and each insurance carrier.




Where can I obtain an E&O?


Great news! You can get your E&O through Stella Health. All you must do is sign an E&O request form and send over payment of $122.00. Once we received both you will be
sent a copy of you E&O right away. Easy right?





Final Steps

I am now an active Stella Health agent, what’s next?


Congratulations! Now you can begin the contracting process. The onboarding specialist at Stella Health will be working with you throughout this entire process. The onboarding specialist will send you direct links with the carriers you are interested in to start the certification and training process. Once you complete the required certification and training requirements for each carrier you will get your “Ready to Sell” status. Once you get this notification you can begin selling all Medicare products for that specific carrier.




What carriers can I get contracted with?


Stella Health currently works with Aetna, Alignment, Anthem Blue Cross, Brand New Day, Central Health, Covered CA, Golden State, Inter Valley, Humana, LA Care, Promise, Scan, United Health Care, Vitality, WellCare, Blue Shield of California, and SilverScript. Stella Health also gives each agent the opportunity to sell Life Insurance. Contact the onboarding specialist to find out more!




How many carriers can I get contracted with?


You may get contracted with as little or as many carriers as you would like, it is all up to you.




How long does it take to receive my “Ready to Sell” status?


That all depends on you, after you complete all certification and training requirements it usually takes about 3-5 business days to receive your ready to sell status. The more on top you are on getting all requirements completed that faster you can begin to sell.




Does Stella Health provide training on how to enroll a new member?


Great question, the answer to that is yes. Stella Health provides each active Career agent with support and guidance on how to successfully enroll a new member. If you would like any assistance with enrolling a new member please reach out to one of our wonderful sales representatives on how to do so.




How will I receive my commission?


Depending on which carrier you are contracted with you may have the ability to sign up for direct pay or you will receive your commissions through Stella Health’s Commission Department. Commissions are released periodically. When completing the contracting process with each carrier you will be given the time frame in which each monthly or weekly commission statement is released.




Who can I reach out to if I have any further questions?


If you have any questions regarding the new agent onboarding, or contracting process you can reach out to contracting department at contracting@stellainsurance.com Direct (213)282-6208





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