Identify the product.
Separate ACA major medical, medically underwritten private coverage, short-term medical, limited-benefit programs and supplemental products before discussing price.
Guide for licensed insurance producers
How to sell private health insurance responsibly
A practical workflow for adding private health products without confusing a network, plan type or benefit schedule with major medical coverage.
Qualify the client's situation.
Compare enrollment timing, Marketplace savings, health history, prescriptions, business eligibility and whether an EIN is required for the exact program.
Verify and document.
Use current approved materials, confirm providers and prescriptions, explain the bad-year cost and let official plan documents and executed agreements control.
Frequently asked questions
Do I need an insurance license to sell private health plans?
Yes. You need the appropriate active insurance license and any required program appointment for the state and product involved. E&O coverage and additional program documents may also be required.
Can I describe every private PPO as major medical?
No. PPO describes a provider-network design. The plan's official documents establish the product type and whether out-of-network benefits exist.
Which programs can I contract for through Prestige?
Prestige currently supports private health contracting for Amerus and TRIAD/USA Benefits. Program, appointment and state availability can change.
Prestige Insurance Group is a team of licensed insurance advisors, not the insurer. Product, program and state availability varies. Official documents and executed agreements control.