- Welcome to this week,
Weekly Wednesday Wrap Up.
I'm Rebecca Gordon.
And with my co-host, Sylvia Gordon.
Today, we welcome our special guest, Sissy Clark,
one of our top marketers here,
they're gonna go ahead and cover some important issues.
And then I'll be right back.
Stay tuned.
(lively upbeat music)
- Welcome to the Wednesday wrap up, Sissy.
What you got?
- So I wanna talk about the periodic background check
that United Healthcare is doing.
They sent emails out to every agent agency
on February the 21st.
Basically saying,
if you've not been a part of this periodic background check
in the past 12 months, you must respond.
So starting March 23rd, they will do the background check.
- What do you mean you have to respond?
What are you supposed to respond?
I'd to say,
what, yes?
- Okay. - Can I opt out of it?
- You can't opt out of it.
If you choose to opt out of it,
I knew you were gonna go there.
As I have my (mumbles).
If you choose to opt out of it,
you have to respond to the email.
Okay. But that email goes
to big.notifications@uac.com.
- Do not opt out of it. Okay.
- Do not opt out.
Right.
- You're not answering this correctly.
If you opt out of it,
you basically are terminated.
- That's correct.
(Slyvia laughs)
And if you have renewals on the books,
you have to go into servicing status.
- To return.
- Correct. Right.
- You can't opt out of it. Okay?
- Right.
- Right. You have to do it.
- Right. - Okay, now.
- Please, thank you.
- Please continue.
- All right.
So on March 23rd,
they will be doing their background checks.
- But I'm saying let's go back.
You said they have to respond.
They don't have to do anything. Right?
- They have to respond if they opt out.
- Right. Okay.
So everybody else is just cool.
- It's just cool.
- Okay.
- If they find something in your background check,
- Just ignore me.
- Okay.
(mumbles)
- Okay.
So if they find something in your background check,
they will notify the agent directly.
You've got 10 days to respond.
If there's additional information,
you have to have that in your documentation.
Okay?
If you don't do it,
you're gonna get another email with your termination.
- So if you get notified
that they found something in your background,
call your FMO.
Call your upline immediately.
So we can give you guidance how to respond
because a lot of people don't take it seriously.
- Right?
- Like whatever, whatever
or they don't send the proper documentation
that would resolve the issue.
- Right.
- And then they find themselves terminated.
- Right.
- So, always call us.
That's what we're here to support you call us first.
- Right.
But we will not be notified
because of the privacy aspect of it.
- Right.
- But I like it.
Yeah, you can definitely call us and we can guide you,
on to the next step.
- Yep. Get guidance.
And if somebody is not gone through
a background check before,
what can they expect?
What could ding them?
- Criminal background, could ding them.
Credit score could ding them.
Anything that has to do with the credit score, or criminal.
- And one of the things that people ask me
is they're like, you know,
I went through a divorce this year.
- Right?
- My credit got a little screwed up
because he was paying the mortgage,
and he didn't pay it to be vindictive, and blah, blah, blah.
So we fell behind and whatever.
- Right?
- He did it to hurt me. So it was my fault.
What are my rights?
You can try, you can try to press your case,
but on that scenario, again,
right there, you're not gonna win on that.
- Right.
- But if you say you got behind on your taxes,
because of the divorce
and or the protracted litigation
to get with support or whatever.
- Yeah.
- As long as you've continued to make payments,
- That is correct. - Even if it is small,
- Right. - They wanna show,
that you've made an effort.
- They do. - So if you've been
making a small payment
that will need to be able to show proof
that you made payments, at least for two or three months.
- Right.
- Consistently, to help you overcome the fact
that you did fall behind on your tax.
- That is correct.
I mean, I've had this happened,
some agents that I've worked with,
as long as you have the correct documentation,
it really is not an issue.
They just wanna make sure that everybody is legitimate.
Everybody is an or.
- And not all companies do background.
So a lot of companies that are historically
they background check before they appoint you
and once they appoint you,
you're in for the rest of your career.
- That's correct.
- United Healthcare is different.
- Yep.
- They're the only one that backgrounds you every year.
- That's right. - And so,
- a lot of people say well,
nobody else has a problem with my background.
Nobody else had a problem with my bankruptcy,
my divorce my tax liens, my whatever.
Well, that's okay.
The other companies didn't congratulations,
you can continue to sell for them.
But for the largest insurance company in the nation,
for the largest Medicare Advantage
and Medicare Supplement provider,
it's more strict,
and you will have to go through that every year.
So if you do have a credit freeze,
it's something I've talked about
when I do my cyber security training.
You have a, your, your credits locked down.
- Right.
- How do you proceed,
cause they obviously you know, to help your kid check?
- So, what they will do if you have the credit freeze,
they'll be unable to perform your background check,
and you will get terminated not for cause.
- Okay, sorry.
She didn't get this right.
- But I gave her- - No.
- An opportunity. So, bless you.
- It's right there.
- I, bless you.
- Thank you.
- So they were.
If you, if you're, I know,
that's why I put you live on camera.
(Sissy laughs)
So if they, if you have a freeze, they will notify you.
"Hey, we need to get into your TransUnion,"
so they'll tell you to unlock it.
Okay?
- Okay.
- Yeah, so.
- All right.
- Yeah, so and they don't check all three of them.
So they'll tell you the one they're gonna check,
with the credit bureau they're gonna check,
so you can unlock that.
- Oh.
- Yeah. So.
And you know this, I learned this stuff for years.
That's why I get paid (mumbles).
- Well, that's probably good.
Because I'm sure all the other marketers
that are watching us have learned something just like me?
- Right.
- And agents.
- And you will not get a background check
if you've gotten contract within the last year.
- That is correct.
- So this is the majority of the salesperson
will go through this every year.
And even if you've gone through, you've sailed through it,
and it happens in the background,
you didn't even know what happened.
- Right?
- That you, that they checked you and that you passed.
This might be the year that something pops up.
A lot of it might be identity theft,
and I've had some tough cases,
trying to prove that it's not our agent trying to prove.
And so if you do, if you do get notified by them,
please make your first call to your marketer
here at Gordon marketing,
so that we can go to work to try to help you
pass this background check
and keep you selling seamlessly
without getting turned on the services and says etc. etc.
- Gotcha.
- So is there anything else you want to talk about?
- Oh, one more thing I wanna add
is if you did have a bankruptcy
and it's not been discharged,
that could be an issue.
- Right. - That could be a problem.
- Thank you for joining me Sissy.
I will get Rebecca on for our next episode.
Thank you for watching.
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- And one more thing,
40,000 viewers
on TikTok,
5,000 additional viewers since the last time I recorded
which was two weeks ago, that's awesome.
- So if you're not on TikTok,
because you're not 13 years old,
you might wanna check out Medicare Mama on TikTok.
- You got some great hair do ideas.
- And I will tell you,
that if you think that they're not seniors and not retirees
on every single social media platform,
I'm here to prove you wrong.
Because I'm going out there
and I'm, I'm getting them on all the different platforms.
And it's a great organic lead generation source.
Plus if you have agents and you wanna just have training,
it's one minute training I do every single day on TikTok.
I am Medicare Mama.
Thanks guys. Thanks for watching.
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