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Quote & Enroll FAQ

Updated over a month ago

Quote Medicare Advantage and Supplement plans from 100+ companies and enroll your clients directly from the Spark platform.

Getting Started

I’m a new agent, when will I have access to Sunfire?

You’ll receive access to your Spark Quote and Enroll account 1-2 business days after you are invited to our platform. You will be able to generate quotes prior to obtaining “Ready to Sell” status on a Medicare Advantage contract with a carrier that supports enrollments through Sunfire. See the list here:

As soon as your Sunfire account has been activated, you’ll receive an email notification from the Spark team.

Please note: There is roughly a 5-business-day turnaround from when you are confirmed as Ready to Sell to when you can expect to Enroll in Sunfire.

Not sure if you have access? Follow our Getting Started Guide

I’m receiving an error message when I click on Quote & Enroll, how can I fix it?

If you are receiving an error message, you’ll need to complete the setup steps to use our integration on your device. You can follow the steps to this process by clicking the button above.

Can I use Spark Quote & Enroll on my i-Pad?

Yes! Be sure to follow the browser set up steps that are outlined in the set-up button above to properly set up the device. It is recommended to test your Q & E access before bringing your I-Pad to a sales meeting.

Where can I find my Public Enrollment Link (PURL)?

Here’s a walkthrough on where you can find your PURL:

Ready to Sell

Which carriers can I write with Spark Quote & Enroll?

Here’s a list of carriers supported in Sunfire:

To quote and enroll with a carrier in your Spark account, you’ll need to be Ready to Sell with Spark as your upline.

Please note: there may be regional nuances to certain plan types like SNP plans and PDPs.

How can I check my “Ready to Sell” status with different States & Carriers?

Here’s the steps for checking your RTS status:

Why can't I see my Ready-to-Sell contracts in Sunfire?

  • The carrier may not support Quote and Enroll in Sunfire at this time.

  • You may not be certified to sell that carrier's policy in the corresponding state or plan year. You can confirm your current carrier and state appointment status in your Spark platform account here.

  • Your ready-to-sell status has not been reported by the carrier and needs to be verified before being added to your account. You can confirm your reported contracting status in your Spark platform here.

Please note: it may take up to a week after you complete your certification for Spark to receive your updated, ready-to-sell confirmation.

Helpful hint: Forward your official email from the carrier confirming your certifications were completed, or a screenshot from your carrier portal with the following information visible:

  • Carrier Name

  • Your Writing Number

  • Appointed States

Please email this information to [email protected].

Still not seeing your carrier appointment in Sunfire? Send us an email to [email protected] and include the carrier and zip code for your plan search and our team will troubleshoot further.

I am not Ready to Sell on your quote and enroll and I need to enroll my client immediately. What should I do?

The carrier portal will be the best place to submit your application.

Quoting your Clients

Why can’t I see certain plans appear in the enrollment tool?

If you are still not seeing a plan that you believe you should be seeing:

  • Check that you are looking in the correct zip code, and that the plan is available in that zip

  • Check that you are certified for that carrier and plan type in that state

  • Note that neither Special Needs nor Med Supp plans will show on purl sites

  • Make sure you have selected the correct plan type radio button- See screenshot below

  • DSNPs are found under Special Needs

  • MA-only (no drug coverage) plans are listed separately from MAPD plans under "Medicare Advantage"

PLAN TYPE RADIO BUTTON CURRENTLY SET TO "SPECIAL NEEDS"

If the above steps do not reveal the plan you are seeking, the plan may be suppressed. We are given orders from the carriers to suppress certain non-commissionable plans. As such, those plans will not appear in our tool.

With any doubts, contact your manager/internal support and let them know the:

  • Carrier

  • Plan/Contract/Seg ID of the plan

  • The zip code you are looking in

Where can I view a Quote that has been sent?

You'll be able to view your outbound Quotes on the Sunfire page in the Dashboard tool. Once you're there, you can click on Communications at the top of the page and you'll see any quotes you have sent. Here's a walkthrough:

What is the customer experience for sending a client a plan Comparison via email?

How can I print plan comparisons in Spark Quote & Enroll?

From SunFire, you can email plan comparisons to yourself in order to save/print.

Follow the steps in this guide:

Can I see all of the plans that are in the Quote and Enroll database?

Here’s a list of all of the plans in the SunFire database:

Where is Sunfire’s prescription data sourced?

  • Prescription drug names/description general info data is sourced directly from Medicare.gov.

  • Prescription pricing and formulary data from the carriers.

  • Prescriptions are only listed in Sunfire’s database if they meet the criteria of being listed on formulary for at least 1 carrier.

What to do if the provider is not in-network?

You may manually add the provider during the enrollment application by clicking Manually Add a PCP where it asks for provider info if you indicate the client is choosing a PCP.

What states can I look up Medicaid status for in the Quote and Enroll tool?

It’s important to note that provider data may not always be 100% accurate, and we strongly recommend confirming provider network affiliation directly with the carrier and/or provider before submitting an enrollment application.

Scope of Appointment

Can I send a Scope of Appointment via Text?

While the Spark platform does not currently send texts directly, we have added a feature that allows you to send a hyperlink to your client via text.

To send a Spark Scope of Appointment via text, follow these steps:

  1. Complete the Scope of Appointment for the intended contact

  2. In the Signature & appointment completion date section of the Scope, select Send

    image
  3. Choose Create link for SMS / chat in the dropdown menu:

    image
  4. Click Create SOA Link

  5. Click the URL that appears under SOA URL (click to copy)

    image
  6. Paste the link in a text message to the prospect you’d like to sign the scope.

Is there a PDF version of a Scope of Appointment I can use for all carriers?

Yes, the generic SOA can be found here.

Permission to Contact (PTC)

When does Permission to Contact expire?

  • Permission to contact has an expiration date, depending on what information the Medicare beneficiary is seeking.

  • For Medicare Advantage or prescription drug plans, permission to contact expires after 9 months. Medicare supplement product lines have a 90-day expiration date.

  • Permission to contact MUST be established again after it expires even if ongoing contact is intended. The form of contact is also decided by the Medicare beneficiary, whether it is by phone call, email, direct mail, etc.

Application Submission

How should I answer the “Did you receive help filling out this enrollment application?” question?

This question is not meant to include the writing agent. If someone other than the writing agent helped the applicant complete the enrollment app, they should select "Yes" followed by one of the options from the drop-down list that describes the applicant’s relationship to the person that helped them (e.g., if another agent helped fill out the enrollment app, select "Agent" in the drop-down options). If no one other than the writing agent assisted the applicant, select "No".

What happens after I submit my enrollment application through Spark Quote & Enroll?

After an enrollment is complete, SunFire submits it to the corresponding carrier. Anthem, Humana, HSCH, and CareFirst may not be edited or canceled after successful submission. These enrollments are sent in real-time. All other carriers are sent nightly, around 10pm EST. Once the carrier receives the enrollment it is processed then routed to CMS.

Where can I view an application after I’ve submitted it?

After you've submitted an application with the new tool, you'll be able to view the app in two places.

  1. By clicking on the three dots that appear in the new policy on the contacts page, and clicking View.

  2. By heading to the Dashboard page and clicking on the Quote & Enroll button on the top of the screen. This will launch the integration and provide your enrollment history for all of your contacts.

Where can I access an enrollment that is submitted through my PURL?

You can view any submissions through your PURL from the SunFire tab on the Dashboard page in the Spark platform. Clicking on the SunFire button on the top of the screen will launch the integration and provide your enrollment history for all of your contacts.

Please note: any submission through your PURL will not register in the corresponding contact in Spark. Any policy applications submitted through your PURL will need to be manually created in your Spark contact profile.

Will the Member ID appear in a contacts Spark account after the plan is approved?

The Spark Quote & Enroll tool does not currently pull in a member’s contacts ID after a plan application is approved.

Spark Quote & Enroll does not integrate with carrier portals.

Does the Quote & Enroll tool provide Dental Network data?

While the Quote & Enroll tool does house some Dental Provider data, it is not comprehensive. It is not recommended to solely rely on the dental provider information in the tool.

If you have any concerns about dental provider information in our tool, please email [email protected], and our team will confirm any needed information!

How can I view my submitted Enrollments?

You'll be able to view your submitted applications in the Dashboard page. Here's a walkthrough on how to get there!

Why isn't an app in my carrier portal?

If an app is not on your book of business or you have not been paid, follow these steps, in order:

  1. Check that there are no errors on the app and that the app was submitted successfully (see “How do I know if there’s an error on an app?”)

  2. Check that it has been 10 business days since the app was submitted

  3. Check that the member wasn’t already enrolled in the same plan

  4. Call the carrier’s Agent Support Line to inquire. Occasionally, carriers may respond with “no record of the application” if it was denied, so if that’s the case, be sure to ask if the application was denied.

    • Provide the carrier with both the client’s MBI (Medicare Beneficiary Identification) and the enrollment code - typically a 10-digit alphanumeric code (e.g., 1A2BCD3E45) - which you’ll find at the top left of a completed application, under the client’s name and date/timestamp.

  5. If none of these steps identify the issue, contact your manager.

Carrier processing times are often faster than 10 business days, but they are out of our control and depend on what is going on internally at the carrier and time of year. We send apps to the carriers daily, and in some cases instantaneously.

My App has an error. How come?

Most of the errors you'll see are self-explanatory. Here are some of the trickier ones:

App Not Signed

  • The customer did not e-sign within the 24 hours they had to do so.

  • A new app will have to be written and signed.

  • Soon, we will enable a way for you to resend signature requests when this is the case.

Invalid SEP Code

  • Another valid SEP code will have to be selected

  • Sometimes, rather than Codes, you may see SEP “Reasons” such as “I recently turned 65.” This is what this error is referring to, and a different, valid reason will have to be selected

GatewayTimeout

This error from the carrier means that the carrier's server was not available at the moment the "Submit" button was clicked. The app was NOT submitted. The carrier advises us that in this case, the agent should continue to re-attempt submission throughout the rest of the day until they receive the error message "Application is already submitted."

Application is already submitted

This error message was not designed by us, and comes from the carrier.

The carrier states that if an agent receives this error message, it means that the carrier has the app and that it is being processed. If you have any doubts, contact your manager.

Unknown Error or General Exception

The carrier tells us that these error messages most likely mean one of three things:

  • The carrier's server was unreachable at the moment the "Submit" button was clicked

  • An invalid SEP code may have been selected

  • There may be an issue with your certification to sell the plan or your writing number

Here’s what to do:

  • Try submitting again right away, while your customer is on the phone

  • If that doesn't work, double-check the validity of the SEP code selected for the customer's situation

  • If that doesn’t work, end your call with the customer and make sure you are certified to sell this plan in the state selected.

  • If you are certified, try submitting again later in the day and contact your manager with difficulties. See our post “How do I send a new link to e-sign?” if applicable

Can I submit an application with supplemental benefits riders?

Carriers do not accept supplemental benefit applications through SunFire. Clients will need to submit riders and applications through the carrier portal.

I want to submit paper applications. Can you help with that?

Our partners at Pinnacle Financial Services offer paper submission support via fax. To submit an application to the via fax, attached for the cover document to utilize their paper enrollment service via fax.

  • 267-386-8137

  • 267-386-8138

  • 267-386-8139

  • 267-386-8140

Please use the document below as the cover letter for your applications.

You can also send via email to [email protected]. See attached for their instructions to submit via secure.

If you would like to submit paper apps directly to our carrier partners, see instructions per carrier here.

I can’t find my enrollment in my carrier agent portal. What now?

If an app is not on your book of business or you have not been paid, follow these steps, in order:

  1. Check that there are no errors on the app and that the app was submitted successfully (see “How do I know if there’s an error on an app?”)

  2. Check that it has been 10 business days since the app was submitted

  3. Check that the member wasn’t already enrolled in the same plan

  4. Call the carrier’s Agent Support Line to inquire. Sometimes the carrier will say, “We have no record of the app,” if the app was denied, so if they say that, you should ask the carrier if the app has been denied.

  5. If none of these steps identify the issue, contact your manager.

E-Signature Requests

How long until an E-Signature link expires?

E-Signature links will expire after 24 hrs. See below for how to resend an e-signature link.

How can I resend an E-Signature Request?

You'll be able to access your enrollment application history on the Dashboards page.

Click on the Quote and Enroll dashboard at the top of the page.

Find the application that you’d like to resend the signature request to. Click on the three dots and click Resend e-Signature request in the dropdown menu.

image

What is the customer experience for E-Signing an enrollment application?

You can view a video tutorial on the E-Sign experience for your clients here:

My Client is having an issue viewing their E-Signature Link.

e-Signature Link Invalid (Texted Link)

If the customer gets an error message “Invalid link” when clicking an e-sig link on their phone, it is likely because their phone's settings break up long text messages, which can break up the link they need to click.

When this happens, we recommend emailing them a new link: see “How do I send a new link to e-Sign?” If they must receive the link via text, they need to adjust certain settings in their phone, depending on the phone they have.

Try having them take these steps, then send them a new link:

  • Make sure they have cellular data turned on, or are connected to Wi-Fi

  • For iPhone users, have them turn iMessage on

  • For Android users, the setting typically has to do with MMS vs SMS. They should select MMS rather than SMS.

e-Signature Miscellaneous Troubleshooting

Space in Name Error

  • Sometimes seniors mistakenly type a space at the end of their first or last name. The tool will throw an error in this case.

  • Ask them to delete the space at the end of their name

  • If that doesn't work, have them enter their name again letter-by-letter, not using auto-correct and ensure they don’t enter a space at the end of their name

Birthdate Error

  • The birthdate they enter into the link must match the birthdate as it was entered into the app

  • If the birthdate they are entering is different from the one in the app, then either they are mistyping their birthdate or the birthdate in the app has to be updated. See the steps in “how do I re-send a link to e-Sign?”

Blank Screen After Clicking Link

  • Have them try again in a different browser, preferably Chrome

  • Try having them clear their cache/history and click the link again

HRA

Carriers & HRAs

Sunfire Integrated HRAs

  • Aetna

    • Agents have 48 hours to complete the HRA once enrollment is submitted.

    • In reporting, since it is a link out, agents will not see the option to complete it under “HRA” but rather under the “Action” menu.

  • Anthem

    • Agents have 7 days to complete the HRA once enrollment is submitted.

    • HRAs are suppressed for most Simply brand plans, and most CSNP plans.

    • Agents have 10 days to submit an HRA once enrollment is submitted.

    • Agent must complete Cigna’s training to submit HRAs.

  • Clear Spring Health

    • HRAs are available for all plans, no restrictions.

    • Agents have 7 days to submit an HRA once enrollment is submitted.

    • HRAs are available for all plans, no restrictions.

    • Agents have 5 days to submit an HRA once enrollment is submitted

  • HealthSun/ Freedom/ Optimum

    • HRAs are available for all 2024 plans.

    • Agents have 7 days to complete HRA once enrollment is submitted.

  • Humana

    • Agents have 30 days to complete the HRA once enrollment is submitted.

    • Agent must complete Humana’s training to submit HRAs.

    • HRAs are available for all plans, no restrictions.

  • United Healthcare

    • HRAs are available for all plans, no restrictions.

    • Agents have 3 days to complete HRA once enrollment is submitted.

  • WellCare / Centene

    • HRAs are available for SNP plans.

    • Ascension plans and plans in California do not have HRA available.

    • Licensed agents have 90 days to complete the HRA once enrollment is submitted.

  • Zing

    • HRAs will be available for all plans, no restrictions.

    • Agents have 30 days to complete HRA once enrollment is submitted.

Carriers to that do not support integrated HRA

** As of June 1, 2024 Aetna has discontinued their Health Risk Assessment

Where can I complete HRAs in Sunfire?

The following carriers are slotted to have integrated HRA in our tool:

After an application is submitted, if there is an integrated HRA for that carrier, it will have a Start HRA button.

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Agents will be able to complete the HRA there or see the HRA on the Quote and Enroll page on the Dashboard page in the Spark platform.

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Quote & Enrollment Compliance

What compliance steps are taken with the Q & E integration?

All plans an agent is RTS for will show on the clients end. All required documents and disclosures are available to the client on the quote itself.

What compliance steps are covered if a client uses an agent’s PURL (personal URL)?

As the client is enrolling themselves into the plan it takes out a lot of the compliance aspect. The agent should still do a SOA before sending the client a plan proposal, however if they only send out a PURL, a SOA would not be required as it is similar to if the customer just went onto a Direct to Consumer site.

How is the new California agent license requirement met?

SunFire is adding support to address the new law* requiring all insurance producers to include their California license number on external facing communications. This accounts for comparison emails, esig emails, and confirmation emails from SunFire.

*See the CA License # doc for more details.

NOTE: Agents will need to take action to add their CA License Number to their profile.

Step 1. Navigate to the gear icon located in the bottom right corner of the screen. (If you are unable to see this button, please notify your Account Manager)

Step 2: Under Your Information, add the appropriate CA license number

Step 3: Scroll to the bottom of the page to save changes.

How to choose the appropriate election period?

Please see the following document:

DSNP

Can I quote and enroll Special Needs/Dual plans in Spark Quote and Enroll?

Yes, you’ll be able to access available Dual/Special Needs plans in Spark Quote and Enroll by selecting the Special Needs filter after generating a quote.

Please note: Not all Special Needs plans may be listed in your particular area. Carriers may choose to suppress certain Special Needs plans from our quoting tool and will require the plans to be written in the carrier portal.

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Can I look up a client’s DSNP eligibility in Spark Quote and Enroll?

Also, here is a walkthrough on looking up Medicaid status in SunFire:

The following states offer Medicaid eligibility look-up on the “Special Needs” quoting page.

  • Alabama

  • Arkansas

  • California

  • Colorado

  • Connecticut

  • Florida

  • Georgia

  • Indiana

  • Iowa

  • Kentucky

  • Louisiana

  • Maine

  • Michigan

  • Missouri

  • Montana

  • Nebraska

  • Nevada

  • New York

  • Ohio

  • Oklahoma

  • Pennsylvania

  • South Carolina

  • Tennessee

  • Texas

  • Utah

  • Washington

  • West Virginia

Where can I look up a Client’s DSNP eligibility outside of SunFire? (e.g., carrier portals)

Where can I find the ‘DSNP Verification Code’ for Anthem/Amerigroup plans?

Using mProducer, follow the steps outlined here to produce the verification code:

Medicare Supplements

Can I enroll clients into Medicare Supplement plans using quote & enroll?

At this time, Sunfire has limited Medicare Supplement integration. Available carriers for 2024 are outlined here.

If you would like to use a more robust Med Supp tool you can access CSG Actuarial at the link here.

Are Medicare Supplements available through an agent’s PURL?

At this time, Medicare Supplements are agent-assisted applications through SunFire and are not available for self-enrollment through avenues such as a PURL or email comparison.

Carrier-Specific Instructions

Anthem applications

Anthem applications must be submitted using your individual writing number. The writing number can be found in your Anthem Producer Toolbox under Account Details. See the walkthrough for exact steps:

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