Farmers Insurance - Luis Moreno

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Farmers Insurance - Luis Moreno We are your award-winning local insurance expert, and professional risk manager. We are proud to pro

We are proud to provide a concierge level of service, creative and flexible solutions and the very best advice available, to our clients in San Antonio, Bexar County, and all across Texas. We empower families and businesses to make smart decisions and protect what's most important to them.
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​If you're not thrilled with your current insurance contact us today.

Agents, your client has Medicare and Medicaidβ€”but which D-SNP can they actually enroll in? Before you choose a plan, you...
10/16/2026

Agents, your client has Medicare and Medicaidβ€”but which D-SNP can they actually enroll in? Before you choose a plan, you need to check their Medicaid level, their county, and the enrollment period. Roel from UnitedHealthcare is here to walk us through the Texas process and explain the Jarvis tool that can help.

πŸ“§ Want to get contracted? Email me: [email protected]

2027 D-SNP training for insurance agents: understand Medicaid levels, Texas STAR+PLUS integration, and the eligibility questions to answer before enrollment. Luis Moreno with Insurance Agent Training sits down with Roel from UnitedHealthcare for a practical discussion of Medicare and Medicaid, local enrollment processes, and the resources agents can use when reviewing dual-eligible clients.

IN THIS TRAINING:

βœ… Medicaid categories, including QMB, QMB+, SLMB+ and FBDE.
βœ… Low-Income Subsidy (LIS), also called Extra Help.
βœ… Aligned versus integrated Medicare and Medicaid coverage.
βœ… Medicare-first and Medicaid-first processes discussed for Texas.
βœ… The Jarvis Medicare/Medicaid verification tool.
βœ… Home-care agency and provider checks.
βœ… Plan transitions and questions to confirm with your local representative. βœ… SSBCI eligibility and healthy food and utility benefit verification.
βœ… How to locate your local UnitedHealthcare representative.

Interested in building your ACA and Medicare business? Connect with Luis about training, support and contracting opportunities.

Get started with contracting: https://insuranceagenttraining.net/welcome

Shop IAT training and resources: https://iat.agency/training

Insurance Agents Wanted | ACA and Medicare Training

πŸ“ž Call/Text: 210-972-9558

🌐 InsuranceAgentTraining.net

https://youtu.be/-8hW2CTgkgM

Agents, your client has Medicare and Medicaidβ€”but which D-SNP can t...

Avoid Commission Delays: CHRISTUS ACA Certification 2027CHRISTUS ACA agents in Texas and Louisiana: your 2027 certificat...
10/15/2026

Avoid Commission Delays: CHRISTUS ACA Certification 2027

CHRISTUS ACA agents in Texas and Louisiana: your 2027 certification needs to be completed by October 31. The carrier notice warns about delayed or forfeited commission payments. Let me show you where to complete itβ€”and the status you need to check when you're finished.

πŸ“§ Want to get contracted? Email me: [email protected]

2027 CHRISTUS ACA certification: complete it by October 31, 2026, according to the carrier notice reviewed in this video. Texas and Louisiana agents appointed with CHRISTUS: the notification warns about delayed or forfeited commission payments if you miss the certification deadline.

I'm Luis Moreno with Insurance Agent Training. In this walkthrough, I explain where to complete your certification, what information to prepare, and how to check your certification case status.

WHAT YOULL LEARN

βœ… Navigate to My Credentials β†’ My Certification Cases β†’ Certify.

βœ… Verify your information and upload your E&O documentation.

βœ… Complete the requested commission account information.

βœ… Sign and submit your certification.

βœ… Check your certification case for β€œApproved.”

βœ… Understand why a red pending dashboard indicator may remain temporarily after approval.

The PDF guide walks you through submission and checking for β€œSubmitted.”

In the video, I explain checking for β€œApproved” afterward and share broker supports explanation that the dashboard can take a few days to update.

Avoid Commission Delays: CHRISTUS ACA Certification 2027πŸ“§ Want to...

When a prospect looks you up online, what do they find?A professional website, customer reviews, and a business email ca...
10/13/2026

When a prospect looks you up online, what do they find?
A professional website, customer reviews, and a business email can help someone feel confident contacting you. But if they can’t find youβ€”or your information doesn’t match across platformsβ€”you may be making that decision harder.

πŸ“… JOIN OUR LIVE WEBINAR: [Friday Oct 16, 2026. 11AM CST]
πŸ‘‰ Register here: IAT.Agency/marketboosters

In this video, I sit down with Shahab from Market Boosters to discuss the professional branding β€œsix-pack” every insurance agent should review:
βœ… A business domain
βœ… A professional website
βœ… A business email address
βœ… Customer reviews
βœ… Social media branding
βœ… Consistency across all five
We also walk through examples from my health insurance, P&C, and agent training websites. You’ll see how clear navigation, contact options, FAQs, reviews, and tools like a life insurance DIME calculator can help visitors learn more and take the next step.

πŸ“… JOIN OUR LIVE WEBINAR: [Friday Oct 16, 2026. 11AM CST]
πŸ‘‰ Register here: IAT.Agency/marketboosters

We’ll explore the six-pack framework, review website examples, and reveal the special package pricing.
Registration includes a downloadable branding self-assessment. Complete it before the webinar and bring your questions. There may be opportunities for live feedback, and a recording will also be provided.

When a prospect looks you up online, what do they find?A professio...

ACA Updates 2027: Carrier Exits, FFM Certification & Subsidy ChangesAgents, if your client's ACA carrier is leaving, don...
10/12/2026

ACA Updates 2027: Carrier Exits, FFM Certification & Subsidy Changes
Agents, if your client's ACA carrier is leaving, don't assume the replacement plan fits their needs. Let's go through the certification questions, subsidy changes, and renewal reviews you need to prepare for 2027.
πŸ“§ Want to get contracted? Email me: [email protected]
ACA updates for 2027: FFM and state certifications, carrier exits, immigration-related subsidy changes, and practical renewal preparation for insurance agents.
Agents, don't wait until a client calls with a problem to review their 2027 coverage.
In this October 7, 2026 training, I walk through certification questions, carrier changes, replacement-plan reviews, and ways to turn timely education into enrollment appointments. We also cover AI tools for marketing, the ACA intake form, enrollment documentation, contracting updates, and Medicare supplemental opportunities.
WHAT YOU'LL LEARN
β€’ Where to check federal and state Marketplace certification requirements.
β€’ Why replacement coverage needs a fresh provider and prescription review.
β€’ How to create educational videos for members affected by carrier exits.
β€’ Why Marketplace coverage eligibility and financial assistance eligibility must be checked separately.
β€’ How to prepare intake, consent, application confirmation, and plan confirmation procedures

Agents, if your client's ACA carrier is leaving, don't assume the r...

Can Your Clients Do the Intake? RetireFlo Demo for Insurance AgentsAgents, are you collecting client informationβ€”and the...
10/07/2026

Can Your Clients Do the Intake? RetireFlo Demo for Insurance Agents
Agents, are you collecting client informationβ€”and then typing it all over again? Let me show you how I use RetireFlo for Medicare and ACA intake, what lands in my dashboard, and the integrations that connect the next step.
πŸŽ‰ SAVE 40% ON RETIREFLO
Sign up: https://app.retireflo.com/signup
Use promo code: LM40 for 40% off.
RetireFlo for ACA & Medicare agents: see how I collect client information, review submissions and use integrations to reduce repeat data entry.
In this hands-on walkthrough, I show you both sides of the process: what your client completes and what you receive in your agent dashboard.
You’ll see:
βœ… Medicare intake for pharmacies, prescriptions, doctors and hospitals
βœ… The Scope of Appointment step shown in the Medicare survey
βœ… ACA household information, income and who needs coverage
βœ… The ACA consent step shown in the demo
βœ… Submission notifications, agent signatures and client notes
βœ… Appointment scheduling and the Medicare survey’s Spanish-language option
βœ… My integration setup with HealthSherpa ACA, HealthSherpa Medicare, SunFire and Agent CRM
The goal is a clearer workflow from client intake to your next step in quoting and enrollment.

https://youtu.be/ubUi2ItQiXk

Agents, are you collecting client informationβ€”and then typing it al...

What does a Medicare agent targeting 500–600 applications do BEFORE AEP?I sat down with Chad Hanley and broke down his a...
10/04/2026

What does a Medicare agent targeting 500–600 applications do BEFORE AEP?
I sat down with Chad Hanley and broke down his actual preparation system.
βœ… He starts working his existing book before AEP
βœ… He fills his appointment calendar early
βœ… He studies the important plans in his market
βœ… He creates simple handwritten plan comparison sheets
βœ… He walks clients through benefits side by side
βœ… He checks carriers, certifications and product availability before October 15
One of my biggest takeaways:
Don’t assume your Medicare book will automatically renew and stay with you.
Plans change. Benefits change. Your clients’ needs change. And plenty of other agents are calling them.
Service the book.
The full interview also covers Medicare Advantage, Med Supp, HRAs, hospital indemnity, dental/vision, final expense and several important 2027 Medicare marketing-rule changes.
Watch the full interview on YouTube.
Insurance Agents Wanted | ACA & Medicare Training
πŸ“§ [email protected]
πŸ“± Call/Text: 210-972-9558
🌐 www.InsuranceAgentTraining.net

https://youtu.be/jIZdZW3Id7I

Medicare AEP starts in 11 days, and Chad Hanley is preparing to wri...

RetireFlo for ACA and Medicare agents Still Typing Client Info Into HealthSherpa & Sunfire Twice?Your client fills out o...
09/22/2026

RetireFlo for ACA and Medicare agents Still Typing Client Info Into HealthSherpa & Sunfire Twice?

Your client fills out one link on their phone, and you press one button to get a HealthSherpa quote. No retyping. Dalton's going to show you live.

🎁 Use promo code LM40 and get each RetireFlo module for $29.99/month.
πŸ‘‰ Sign up: https://app.retireflo.com/signup

In this replay:
βœ… Medicare intake: Rx, doctors, hospital, pharmacy, Permission to Contact, and Scope of Appointment
βœ… ACA intake: household, income, to***co use, providers, prescriptions, and consent
βœ… The 5 things I keep on every ACA enrollment to defend against complaints
βœ… Timestamped reports with client answers and IP address
βœ… Integrations: HealthSherpa, Sunfire, Integrity Connect, Connecture, GoHighLevel / Agent CRM
βœ… LIVE demo: branded link to a family β†’ prefilled HealthSherpa quote
βœ… What it doesn't do: no direct integration with state-based exchanges (e.g., New York, Covered California)
βœ… The Flow Kit, staff users, walk-in clients, Excel export, and full Spanish surveys

Important: RetireFlo's consent form does not replace agent authorization inside your EDE enrollment platform. That remains a separate step, per agent, per plan year.

πŸ“§ Want to get contracted? Email me: [email protected]

Insurance Agents Wanted | ACA & Medicare Training
πŸ“ž Call/Text: 210-972-9558 🌐 InsuranceAgentTraining.net

https://youtu.be/NFfV2imAUfw

A simple solution for agents to get to know their clients in advance.

If you're contracted with Oscar and you don't finish this five-minute background check by September 30th, you won't get ...
09/20/2026

If you're contracted with Oscar and you don't finish this five-minute background check by September 30th, you won't get paid Oscar commissions starting January 1st. I'm going to show you the exact email to look for and every click to get it done.

πŸ“§ Want to get contracted? Email me: [email protected]

Oscar Health background check deadline: every Oscar-contracted agent must complete the new broker background check by September 30, 2026, or you won't receive Oscar commissions starting January 1, 2027.

Oscar is using First Advantage as its background check vendor, and the emails went out around September 15. In this video I show you exactly what the email looks like and where to find it (check spam and every folder on the email tied to your Oscar contract). Then I walk through the whole process: log in with ID.me, verify your identity with a selfie, confirm your pre-filled info, and sign. Mine took under 5 minutes.

Important: Oscar says your background check must be completed AND approved to receive commissions starting 1/1/2027. Do it now so you have time to fix anything that gets kicked back.

Questions for Oscar directly: [email protected] | (855) 672-2731

In this video:
βœ… The First Advantage email to look for
βœ… Step by step: log in, verify ID, confirm info, sign
βœ… What happens after you submit (there's no "you're done" screen)
βœ… Who needs to complete it

Insurance Agents Wanted | ACA & Medicare Training
πŸ“ž Call/Text: 210-972-9558 🌐 InsuranceAgentTraining.net

https://youtu.be/pWvq7tFeRkk?si=MAMKvpOXqqAnH69_

If you're contracted with Oscar and you don't finish this five-minu...

Medicare & ACA agents πŸ‘‹ β€” AEP is right around the corner. Are you still chasing clients for their prescriptions?I just r...
09/20/2026

Medicare & ACA agents πŸ‘‹ β€” AEP is right around the corner. Are you still chasing clients for their prescriptions?

I just recorded a quick demo of RetireFlo, and it's worth 5 minutes of your time.

Here's what it does:
βœ… Sends your clients ONE link, in English or Spanish, that works on their phone
βœ… Shows your name and headshot so they know it's from you
βœ… Medicare: collects Rx, doctors, hospital, pharmacy, PTC & Scope of Appointment β†’ into Sunfire
βœ… ACA: collects dependents, to***co status, income & the consent form β†’ into HealthSherpa

That means your client data is ready BEFORE AEP opens, so your first call is about the plan, not paperwork.

πŸ”΄ LIVE WEBINAR: Tuesday, September 22 at 9:00 AM Central
Dalton from RetireFlo joins me to walk through everything I didn't cover here, including the new HealthSherpa integration for ACA.
πŸ‘‰ Register: https://iat.agency/retireflo

Insurance Agents Wanted | ACA & Medicare Training
πŸ“§ [email protected]
πŸ“± Call/Text: 210-972-9558
🌐 www.InsuranceAgentTraining.net



https://youtu.be/xsyOk0YcRzw?si=L7i66FBd9lfAgMXu

What if every Medicare and ACA client sent you their drugs, doctors...

Non-ACA Health Insurance Alternatives Every Agent Should SellIf your book is 100% ACA, you're referring business away ev...
09/18/2026

Non-ACA Health Insurance Alternatives Every Agent Should Sell

If your book is 100% ACA, you're referring business away every time a client doesn't fit that box. 🦷

Here's one example: NCD, a dental carrier most ACA agents have never heard of. Level commissions, strong persistency, in-house service, a MetLife network β€” and on some plans, up to a $10,000 annual max with three cleanings a year.

πŸ“§ Want to get contracted? Email me: [email protected]

Compare that to whatever's currently in your dental lineup, if anything.

This is one of several non-ACA products I've been walking agents through β€” Presidio for clients who don't fit ACA underwriting, UnitedHealthOne as a one-stop shop for short-term medical and hospital indemnity, and Aflac's new Texas dental option.

If your book is one product deep, that's the fix.

Insurance Agents Wanted | ACA & Medicare Training
πŸ“§ [email protected]
πŸ“± Call/Text: 210-972-9558
🌐 www.InsuranceAgentTraining.net



https://youtu.be/rWQBiFopOyo

ACA isn't the right fit for every client β€” and if that's the only p...

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8865 Grissom Road
San Antonio, TX
78251

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Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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