Getting Started
Complete the Producer Agreement. Make sure your mailing address, email address, fax number, and social security number or Tax ID number is included. There is an annual $20.00 Producer processing/web maintenance fee or an optional $35.00 annual Producer processing/web maintenance fee that includes a personalized web-address. Your account will be billed by: GCS (Global Consulting Services, Inc.)
You must give us a valid email address where we can send news, updates, and commission statements.

Supplies
We will furnish 5 brochures to each Producer upon completing the contracting process.
We send our supplies USPS or DHL ground.
You can order supplies through your Managing General Producer (MGP).



Commissions
Commissions are calculated on the 15th day of each month for the previous month for all Producers. If the 15th falls on a weekend or holiday, commissions will be processed on the next business day.
Commissions are paid as earned only.
We must have a Producer Agreement with either a social security number or Tax ID number.
Our minimum commission check amount is $25. If a Producer’s commission is less than the minimum we will apply it to the next month.
Commissions are paid via batch ACH on the 20th of the month. If the 20th falls on a weekend or holiday, commissions will be processed on the next business day.


Individual Applications
All applications need the following:
Producer code
effective date
first months payment
voided check for bank drafts
complete credit card number and expiration date for credit card transactions
correct phone number and social security number of applicant

Effective Date for Individuals
Applications received in our office prior to the 25th of the month will be given an effective date of the 1st of the following month.
Member paying by bank draft may only be drafted on the 25th of the month for the following month. If the 25th of the month does not fall on a normal bank day it will be drafted on the day prior or next working day. Cancellations and changes of account must be received prior to the bank draft cut off which falls 5 working days prior to the next draft date.

Cancellations
Cancellations must be submitted in writing to our office. Any dependents being added or deleted from coverage must be listed to authorize. Changes must be effective on the 1st of the month.
Cancellations must be sent to our office in writing. Cancellations received prior to the 20th of the month will be given a cancel date of the 1st of the following month unless a later date is requested.
Bank draft members must send written notification to request to cancel at least 5 working days prior to the next draft date to ensure enough time to notify the bank to cancel their bank draft.
Member ID cards are sent to the member's home address. One card is sent for individuals and two for family coverage.

Setting Up a new group: What we need
We must have an employer agreement completed so we can properly set up the group.
The first month’s payment must accompany the applications and employer agreement.
It is not necessary to put your producer number on group applications since we will assign the entire group to the writing Producer.
We need 5 working days to set up a new group. Min. size - three(3) members.

Adding new applications to existing groups
New members must complete a new application
New members will be effective the 1st of the month. If we receive the new application by the 20th of the month they will be effective the 1st of the following month.
Make sure social security numbers and address are correct since we send ID cards to their home address.

Changes
Changes can be faxed in or made on the monthly invoice. Changes will be effective on the first of the following month. Fax changes to (630) 961-3773.

Cancels
Cancels must be in writing from the employer or must be noted on the invoice. Members may cancel only on the first of the month. Cancellations are made effective the 1st of the following month of the invoice if not noted.
Members previously cancelled may not be reinstated prior to a 2-month lapse without back pay of the lapsed months.
Any member not paid for on the invoice will be cancelled effective the 1st of the month of the invoice.

Invoice Procedures
To ensure correct application of payment, a copy of the invoice with any additions, changes and cancels noted must be remitted with payment.
Any payment for additions must be included in current fees paid. If any applications are added with an effective date before that of the invoice, payment for the prior months must also be paid with current fees.
Effective and cancel dates are on the 1st of the month.

Member ID Card
Member ID cards are sent to the employer’s home office. This is the standard procedure unless we are informed otherwise.
ID cards are sent out every Friday for new enrollees. New additions in groups are sent prior to their effective date.
Each member receives one card per member, two per family.