Benefit Activation Overview
Spark will be requiring it's call center partners to complete Benefit Activation modules with all participating carriers for AEP 2027.
Benefit Activation is a strategy some carriers are utilizing to improve member experience, application accretion and retention, and plan star ratings.
For call centers, Benefit Activation programs consist of a post-enrollment call transfer that connects the enrollee to a service team merbice that completes a series of plan onboarding steps (TPV, HRA, etc.) for their beneficiaries new coverage.
Benefit Activation programs aligns incentives across all three parties:
The beneficiary gets more value from their plan, faster.
The broker earns compensation for post-enrollment service.
The carrier sees higher satisfaction, better retention, and stronger Star Ratings.
Carriers are partnering with Sunfire to streamline Benefit Activation processes into a single flow that's tied to the enrollment done in Sunfire. Sunfire calls this platform "Ignite."
AEP 2027 Opportunities & Getting Started
Spark has secured with Elevance to participate in Benefit Activation on Ignite for AEP 2027. A partnership with Humana is currently in development.
Spark and Sunfire are currently working through implementation details. Please reach out to [email protected] and complete this form to start the onboarding process.
Carrier Programs at a High Level
| Elevance | Humana | HealthSpring |
Status | Live | Live Mid September | Coming Soon |
Compensation | $50 for non-SNP $100 for SNP | $60 | Compensation provided per module
HRA - $50 PCP Appt - $25 Wellness Visit - $10 Onboarding - $5 |
Modules | TPV HRA Pharmacy Registration Plan Onboarding | TPV HRA/MCA Pharmacy Registration Wellness Visit Onboarding | TPV HRA PCP Appointment Wellness Visit (Texas Only) Member Onboarding |
Completion Window | TPV - 2 hours Other modules - 7 days | TPV - 2 hours Other modules - 10 days | More Info Coming Soon |
Sunfire Ignite Overview
Sunfire Ignite Overview
Sunfire Ignite is an application delivered by Sunfire that connects directly to Sunfire's core enrollment tool. It enables agents to pass newly enrolled members to a dedicated team for Benefits Activation — without requiring the member to repeat any information already captured during enrollment.
Key points:
Ignite is built into the Sunfire platform — no separate enrollment data entry required.
When a member is delivered to Ignite, their quoting and application data is automatically passed to the Ignite user.
Both licensed and unlicensed team members can complete Benefits Activation modules in Ignite.
Click here for training videos on Ignite functionality.
Getting Set Up with Ignite
Agencies that participate in Benefits Activation are set up with their own dedicated Ignite portal and reporting tools. Agent access is granted through Spark's Ready to Sell process.
Each agency receives their own Ignite portal
Reporting tools are included to track module completions and activations
Agent access is provisioned through Spark's Ready to Sell process
Spark is still working through implementation details for AEP 2027. If you have questions, reach out to Jon Mullen at [email protected].
Elevance Program
Elevance Program
Elevance's Benefit Activation program connects newly enrolled members with a post-enrollment support experience through SunFire Ignite. After completing an enrollment, agents transfer the member to complete a series of onboarding modules — helping them get faster value from their plan. Agents earn an additional $50 (non-SNP) or $100 (SNP) per completed activation. Click here for Elevance's full overview of the program.
Module Requirements - Training Videos & Script
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 business days |
CarelonRX | Pharmacy registration to activate the member's prescription drug benefit.
Registration is not required if member is not interested. | 7 business days |
Onboarding | Plan welcome and orientation to help the member understand their new coverage. | 7 business days |
Plan Eligibility
All MA plans (new and renewing members), any product type, enrolled through SunFire
Agent must be certified to sell Anthem, Wellpoint, Healthy Blue, and Simply Healthcare plans
Only effectuated enrollments qualify. If a member has multiple apps for the same effective date, BA doesn't transfer between them; each app needs its own completed BA.
Rules
All 4 modules must be completed within 7 days of the application submission date
TPV specifically has a 2-hour window — if the enrollment isn't transferred in time, it auto-submits and the enrollment is no longer BA-eligible
For call centers (telephonic advocacy): all 4 modules apply
For face-to-face agents without a telephonic advocate: TPV is skipped; HRA + CarelonRx + Onboarding still required for full payment
HRAs completed outside the BA journey don't count toward compensation (exception: SNP HRAs for 2026 effective dates
Compensation
$50 non-SNP / $100 SNP per completed BA
Paid to the upline agency on the 3rd commission cycle of the month, listed as an adjustment
Agency is responsible for distributing to writing agents — agents should ask their agency about timing
Completion tracking available in Sunfire's reporting tooling.
Humana's Program
Humana's Program
Humana's Benefit Activation program connects newly enrolled members with a post-enrollment support experience through SunFire Ignite. After completing an enrollment, agents transfer the member to complete a series of onboarding modules — helping them get faster value from their plan.
Agencies earn an additional $60 per completed activation. Click here for Elevance's full overview of the program.
Module Requirements - Training Videos & Script
Module | What It Is | Completion Window |
TPV | Third-party verification of the enrollment. | 2 hours |
HRA/MCA | A brief health questionnaire completed with the member | 10 business days |
In Home Wellness | Integrated wellness visit calendars with select vendors. | 10 business days |
Cologuard | Colo-rectal screening for eligible members. | 10 business day
|
CareTalk | Virtual wellness visit when in-home visit is not available. | 10 business days |
Onboarding | Plan welcome and orientation to help the member understand their new coverage. | 10 business days |
HealthSpring Program
HealthSpring Program
More info concerning HealthSpring program coming soon.