Benefits Activation Overview
Benefits Activation (BA) is a program some carriers use to improve member experience, retention, and Star Ratings. Carriers run this program through Sunfire. After an agent submits an enrollment in Sunfire Blaze, the new member’s information flows directly into Sunfire’s BA platform, called Ignite. There, someone on your team walks the new member through the carrier’s onboarding steps. Carriers pay your agency for completed activations, on top of normal enrollment commission.
Why are carriers incentivizing BA this AEP? Everyone wins:
Members get more value from their plan, faster
Agencies earn compensation for post-enrollment services
Carriers see stronger satisfaction, better retention, and higher Star Ratings
[Updated 10/14] What you need to know:
To participate in BA this AEP, your agency must be onboarded to both Blaze (Sunfire's call center enrollment tool) and Ignite (Sunfire's BA tool)
BA is live in Ignite for Elevance, UHC, Humana, and HealthSpring; Zing was enabled on 10/14, and program details are coming to this page soon
Most programs require the enrolling agent transfer the new enrollee to an in-house team member to complete BA in Ignite. That person (called a "BA Advocate") can be licensed or non-licensed, but Humana and HealthSpring are requiring non-licensed Ignite users to complete HRA training first. We’re working with both carriers to get them access to these trainings ASAP
Specific onboarding steps and payment terms vary by carrier. To qualify for payment, work must be completed within the carrier’s eligible window: 2 hours for TPV and 3-10 days for other modules, depending on the carrier
UHC, Humana (SNP only), and HealthSpring pay for standalone HRAs; Elevance does not. HRAs completed outside Ignite will be registered as complete in Sunfire
Devoted and Aetna aren't offering BA but will continue to pay for HRAs, which agents can complete directly in Blaze.
For questions or escalations during AEP, please reach out to your AM and Spark's Agent Support team ([email protected])
Sunfire Ignite Overview
Sunfire Ignite Overview
Ignite is Sunfire’s tool for completing BA. It connects directly to Blaze, so the enrolling agent can pass a newly enrolled member straight to a BA Advocate in one continuous flow.
How Ignite works:
Quote and enrollment data passes automatically from Blaze to Ignite once the enrolling agent completes an enrollment and starts the transfer
The member is never asked to repeat information captured during enrollment, and the BA Advocate is not required to manually enter data
BA Advocates follow on-screen scripts that include each carrier's required language and adjust automatically to the carrier and module being completed
Ignite includes built-in reporting to track module completions and activations
Getting set up with Ignite:
Spark works with Sunfire to set up each participating agency on its own dedicated Ignite portal.
Licensed agents get access through Spark’s Ready to Sell process
Non-licensed advocates are invited by the agency through the User Management tool in the Spark platform (see "Next Steps" below)
How to access Ignite:
There is no link to Ignite inside the Spark Platform
Give your teams this URL: https://www.sunfirematrix.com/app/agent/spa/ and have them log in using their Spark credentials (remember: you must invite non-licensed advocates to join before they can access Ignite)
The deadline to begin onboarding to Sunfire's Ignite was 10/8/26. Agencies that did not start onboarding by this date may not be able to participate in Benefits Activation this AEP. Please reach out to your AM or Emily Baccaglini ([email protected]) to discuss.
For more on Ignite functionality, see below:
Working a Sample BA Enrollment in Sunfire Ignite
Working a Sample BA Enrollment in Sunfire Ignite
For call centers, most BA programs follow three steps:
Enroll: The enrolling agent completes the enrollment in Blaze.
Transfer: Sunfire prompts the agent to transfer the enrollee to an in-house BA Advocate, who may be licensed or non-licensed
Onboard: The BA Advocate walks the enrollee through the carrier's onboarding steps in Ignite, so they know how to use their plan.
The onboarding steps are called modules, and they differ by carrier. Common examples are a third-party verification call (TPV), a health questionnaire (HRA), and help scheduling a wellness visit or PCP visit.
Do NOT skip a step if the member does not complete a step (ex: chooses not to register for Pharmacy Benefits or schedule a PCP visit). Instead, select “Decline” or “Not Now” in Sunfire to complete the module.
Remember, workflows will differ slightly by carrier. The example below is for Elevance and uses fake beneficiary data.
Step 1: Enrolling Agent completes the enrollment in Blaze
Step 2: Transfer the new member to Ignite
When the enrolling agent submits an enrollment that qualifies for BA (ex: Elevance MA Plan), a script pops up prompting the transfer.
Step 3: BA Advocate finds the new member in Ignite
BA Advocate opens the Contacts page, where enrollments that need activation show the status "Disposition Pending."
Step 4: BA advocate selects the member from the Ignite queue.
BA Advocate clicks Unlock Contact to open the member's profile.
Step 5: BA Advocate reviews the member's profile
The profile includes details such as plan history. The Opportunities tab lists every outstanding step in the BA workflow.
Step 6: Start Guided Flow to begin the applicable carrier's onboarding steps
This starts the carrier’s onboarding steps. Scripting will appear on the right side of the screen to guide the Advocate through the conversation. Complete TPV first, within the allotted 2-hour window. You can return to complete the other modules later, within the carrier's required window.
What if the BA Advocate needs to send an enrollment back? If something on the application needs correcting (for example, a medication entered incorrectly), the BA Advocate can return the enrollment to the writing agent with notes instead of submitting it. The agent receives an email with the enrollment code, the return reason, and the advocate’s notes, then can edit the application and resubmit it without starting over.
Overview of BA Programs AEP 2027
Overview of BA Programs AEP 2027
Programs differ by carrier, and not every carrier requires every module. These details are subject to change. Final payment may depend on the member staying enrolled, carrier validation, and other carrier-specific guidelines. We'll keep this page updated as compensation, required modules, and deadlines change.
| Elevance | UHC (SNP) | Humana | HealthSpring |
Status | Live | Live | Live | Live |
Plans | MA Plans | SNP Plans | MA Plans MAPD plans | MAPD Plans |
Modules | TPV* HRA Pharmacy Onboarding Closing | HRA Pharmacy Wellness Visit Onboarding Closing | TPV* HRA/MCA Cologuard** Pharmacy Wellness Visit Onboarding Closing | TPV* HRA PCP Scheduling Wellness Visit Onboarding Closing
|
Comp | $50 non-SNP $100 SNP | $50 for a completed BA; earn $25 if only HRA is completed | $50 for a completed MAI; earn $25 if only HRA is completed (SNP only)
| Up to $90, paid per activity:
$50 HRA $25 PCP $10 Wellness Visit $5 Onboarding |
TPV window | Yes - 2 hrs | n/a | Yes - 2 hrs | Yes - 2 hrs |
Window for other modules | 7 days | 3 days | 10 days | 7 days |
*TPV must be completed within 2 hours of submitting the enrollment in Blaze. Otherwise, the enrollment won’t qualify for BA or be eligible for full compensation. Expired enrollments show as “Enrolled” in the Ignite queue and can’t be worked by a BA Advocate.
**Displays only if the member is eligible.
What each module means
Not every carrier will require every module. The definitions below are general; names and requirements vary by carrier, so check each carrier’s details below
Module | Definition |
TPV (Third-Party Verification) | A recorded review of the enrollment application to confirm the member understands and agrees to their plan |
HRA (Health Risk Assessment) | A short questionnaire about the member's health, risks, and care needs. Humana calls it an MCA (Member Care Assessment) for non-SNP members. |
Pharmacy | Education on the plan's pharmacy benefits (ex: OptumRX for UHC, Carelon RX for Elevance), and registration if the member is interested. Registration is not required to complete this module |
Wellness Visit | Education on the annual wellness visit (either in-home or virtual) and help scheduling one* |
PCP Scheduling* | Add and/or confirm the member’s PCP and help scheduling a first visit* |
Cologuard | Colon cancer screening for eligible members |
Member Onboarding | Plan welcome and orientation to help the member understand their new coverage. May include education on key benefits, digital contact consent, and portal/app registration |
Closing | Wrap-up and confirmation of next steps |
*For most carriers, providing the education counts as completing the module. HealthSpring is the exception: it pays for PCP and Wellness Visit modules only when the member schedules the appointments.
Carrier Programs (Detailed)
Elevance BA Program
Elevance BA Program
Agencies can earn an additional $50 (non-SNP) or $100 (SNP) per completed activation on eligible Elevance MA plans. Payment goes to the upline agency on the 3rd commission cycle of the month, once the enrollment has effectuated.
Program Requirements:
Module | What It Is | Completion Window |
TPV | Third-party verification of the enrollment. | 2 hours |
HRA | A brief health questionnaire completed with the member | 7 days |
CarelonRX Registration | Pharmacy registration to activate the member's prescription drug benefit. Registration is not required if member is not interested. | 7 days |
Member Onboarding | Plan welcome and orientation to help the member understand their new coverage. | 7 days |
Closing | Wrap-up and confirmation of next steps | 7 days |
Eligible Plans
All MA plans (new and renewing members), any product type, enrolled in Blaze by an agent certified to sell Anthem, Wellpoint, Healthy Blue, and Simply Healthcare plans
Only effectuated enrollments qualify for BA compensation. Note: if a member has multiple applications with the same effective date, each one needs its own completed BA
Program Rules
Complete all modules within their windows to earn compensation: TPV within 2 hours, and everything else within 7 days of the application submission date. Elevance does not pay for partially completed BA or standalone HRAs
If the enrollee isn’t transferred for TPV in time, the enrollment auto-submits and is no longer BA-eligible
Additional Training: Videos with instructions to complete each Elevance module
Humana MAI Program
Humana MAI Program
Humana’s program is called MAI (Member Activation Initiative). Agencies can earn an additional $50 per completed activation. If only the HRA is completed (SNP plans only), the payment is $25 instead. There is no compensation for a standalone MCA (non-SNP).
Payment goes to the upline agency once the enrollment has effectuated.
Program Requirements:
Module | What It Is | Completion Window |
TPV | Third-party verification of the enrollment | 2 hours |
HRA or MCA | A brief health questionnaire completed with the member. SNP members complete the HRA, non-SNP members complete the MCA | 10 days |
Wellness Visit | In-home: Wellness visit available with select vendors, shown if member is in eligible location. CareTalk: Virtual wellness visit when an in-home visit is not available | 10 days |
Cologuard | Colon cancer screening for eligible members | 10 day
|
CenterWell Pharmacy | Educate the member on the CenterWell Pharmacy benefit and offer to register them | 10 days |
Onboarding | Plan welcome and orientation to help the member understand their new coverage. | 10 days |
Closing | Set expectations and confirm next steps | 10 days |
Eligible Plans
All MA and MAPD plans (new and plan-to-plan enrollments), including Humana and CarePlus products, enrolled in Blaze by an agent certified to sell Humana
Only effectuated enrollments qualify. If a member has multiple applications with the same effective date, each one needs its own completed BA.
Rules
TPV must be completed within 2 hours. If the member isn’t transferred in time, the enrollment auto-submits and is no longer BA-eligible. All other modules must be completed within 10 days of the enrollment
Non-licensed advocates must complete Humana’s MAI training in Humana's AgentAdvantage University (AAU) before working Humana BA. Please work with your AM to make sure your team gets access to these trainings in AAU
Record every MAI call on a Humana-approved recorded line. Humana may request recordings for audits, so it is important to retain them
Additional Training: Videos with instructions to complete each Humana module
HealthSpring BA Program
HealthSpring BA Program
Unlike other carriers, HealthSpring pays for each completed activity, not for finishing the full BA flow. Agencies earn $5-$50 per activity on eligible MAPD enrollments (D-SNP and non-D-SNP). Each activity is paid on its own, so an HRA completed without the other modules still earns $50.
Payment goes to the upline agency, based on how the agent of record is set up to receive commissions.
Program Requirements:
Module | What It Is | Compensation | Completion Window |
TPV | Review the enrollment application with the member and confirm they understand and agree to the enrollment. | - | 2 hours |
HRA | Complete the health questionnaire with the member. Paid when the HRA is completed. | $50 | 7 days |
PCP Scheduling | Confirm and/or add the member's PCP and help schedule a first visit. Paid when the appointment is scheduled. | $25 | 7 days |
Wellness Visit Scheduling | Educate the member on the in-home wellness visit and help schedule one. Currently available in select markets through Signify, with more markets to follow as other vendors join Sunfire. Paid when the Signify appointment is scheduled. | $10 | 7 days |
Onboarding | Educate the member on key benefits. Paid when the onboarding script with HealthSpring Medicare Rewards & Incentives program is completed. | $5 | 7 days |
Closing | Close out the conversation with the member | $0 | 7 days |
Eligible Plans
MAPD enrollments (DSNP and Non-DSNP) that have accreted with a 1/1/2027 effective date and were submitted in Sunfire by an agent registered to sell HealthSpring plans
Program Rules
Non-licensed advocates must complete HealthSpring's BA training before working HealthSpring BA. Agents licensed with HealthSpring have already completed this during certification. Work with your AM to make sure your team gets access to required training.
TPV must be completed within 2 hours. If the member isn’t transferred in time, the enrollment auto-submits and is no longer BA-eligible. All other modules must be completed within 7 days of the enrollment
Additional Compensation Details
Payment is based on completed activities. HealthSpring counts an activity as completed when the member takes action, such as scheduling a PCP or in-home wellness visit. Other carriers count it as completed once the BA Advocate presents it, but HealthSpring does not.
Not every activity is available to every member. A fully completed enrollment earns up to $90. Where in-home wellness visits aren’t available through Signify, the maximum is $80
Additional Trainings: Videos on HealthSpring BA (New MVP > HealthSpring BA)
UHC BA Program
UHC BA Program
For UHC, the writing agent can complete the onboarding modules in Ignite after submitting the enrollment. UHC has no TPV step, so no transfer to an in-house BA Advocate is required.
Agencies can earn up to $50 per enrollment: $25 for a completed HRA and a $25 bundled payment for completing the remaining modules. All modules must be completed within 3 calendar days of the application signature date to qualify for payment.
Payment goes to the upline agency the writing agent is directly assigned to.
Program Requirements:
Module | Service Description | Compensation Trigger | Payment |
HRA | Complete the risk assessment with the member | Completed HRA | $25 |
Mail-order Pharmacy | Educate the member on UHC's mail-order pharmacy and complete registration process | Education is provided, payment not contingent on member signing up | Included in $25 bundle |
In-home wellness visit | Educate the member on the in-home wellness visit (HouseCalls) and offer to schedule one | Education is provided, payment not contingent on member scheduling visit | Included in $25 bundle |
Member Onboarding Education and Digital Activation | Educate the member on key benefits and offer help on digital activation | Education is provided | Included in $25 bundle |
Closing + C-SNP Education (as applicable) | Close with information about the member’s plan. For C-SNP members, explain the chronic condition verification process and next steps | Education is provided | Included in $25 bundle |
Plan Eligibility
Enrollments effective 1/1/2027 or later in eligible SNP plans, enrolled via Sunfire by an agent certified to sell United plans
Rules
Complete modules right after enrollment when possible, and no later than 3 calendar days after the application signature date to qualify for payment
UHC may request call recordings for audits. Best practice to keep program records for 10 years
Additional Compensation Details
Each step must be completed, but the member can accept or decline the action that follows. Payment is made once the education is provided, regardless of the member’s decision on mail-order sign-up, visit scheduling, or consent to texts and calls (different than HealthSpring's compensation model)
Training Resources: UHC Training Videos (New MVP > UHC BA)
Zing BA Program
Zing BA Program
Spark is finalizing a partnership with Zing for AEP 2027. Details on Zing's program coming soon.
Pre-AEP Steps for Agencies on Ignite
Pre-AEP Steps for Agencies on Ignite
Before AEP, make sure you have:
Shared Spark resources with your agents + advocates who will complete BA
Added your non-licensed users to Ignite:
In Spark, go to User Management and click Add User.
Enter their name and email, check Benefits Activation under Additional Access, and send the invite.
Once they accept, click Confirm next to their name.
Note: After you send the invite, it may take up to 24 hours for Sunfire to set up their account. Once it’s ready, they can log into Ignite using their Spark email and PW
Decided who on your team will have access to Sunfire BA Reporting. Your AM will work with Sunfire to enable access
Given non-licensed users access to the required Humana and HealthSpring trainings. Spark is working on this now (as of 10/14)
Practiced the BA workflow in Spark's demo environment:
Demo Username: [email protected], Demo Password: 7ksf!*QWyHZ#
Additional Training Resources
Additional Training Resources
Sunfire's Benefits Activation Training Space - covers the Ignite Platform and carrier-specific workflow training
For details on Elevance and Humana: Go to Call Center > New to Sunfire
For details on HealthSpring and UHC: Go to Call Center > New MVP
Call Center Benefits Activation Overview (below) - live Ignite demo at 19:13







