The Role of Agents as a Source of Information
Health Insurance agents and brokers have been very supportive of the creation and development of Inclusive Health. They understand better than anyone the importance of having decent, affordable health insurance coverage — especially for individuals with pre-existing conditions. For this reason, agents and brokers are a critical source of information and referral of eligible individuals to Inclusive Health.
No Agent Appointments
Since agents may only inform individuals about Inclusive Health, we do not appoint agents.
Unfair Referral to the Pool
North Carolina General Statutes Section 58-50-200 prohibits unfair referral to Inclusive Health. It reads as follows:
“It is an unfair trade practice under Article 63 of this Chapter and under Chapter 75 of the General Statutes for an employer, an insurer, an insurance producer, as defined in G.S. 58 33 10(7), or a third party administrator to refer an individual employee to the Pool or arrange for an individual employee to apply to the Pool for the purpose of separating that employee from a group medical care benefit plan provided in connection with the employee's employment. This section shall not prohibit an insurer or insurance producer from informing an individual of other coverage options, including coverage provided by the Pool.”
Agent Referral Fee
Inclusive Health will pay agents $100 for each individual approved for Inclusive Health, whom they provide information to about the existence of the Risk Pool. Payment will only be made for applicants upon approval for eligibility in Inclusive Health.
Eligibility for the fee is limited to North Carolina licensed agents who are properly identified by an applicant in Section VI of the Inclusive Health enrollment application. A photocopy of the agent’s license and W-9 must accompany the application. Please refer to Section VI of the Inclusive Health Enrollment Application for further information. Referral fees are paid on a one-time basis for any given approved applicant.
To learn more about Inclusive Health for you and those requesting additional information, please see our brochure.