Frequently Asked Questions

Enrollment

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  • How do I become appointed/licensed to sell Optima Health products?

    Optima Health Plan (OHP) and Optima Health Insurance Company (OHIC) require that all Agents/Brokers and Agencies be appointed before the release of any marketing materials, proposal quotes, or information regarding new and existing business. Appointments with OHP and OHIC are not guaranteed. Interested brokers can start the appointment process by completing the Optima Health Broker Appointment Process. All requests are subject to review and approval of designated OHP and OHIC management. Contact Us for more information.

  • What products do you offer?

    Optima Health offers a full suite of commercial products including consumer-driven, employee-owned and employer-sponsored plans, individual plans, employee assistance plans and plans serving Medicaid enrollees.

    • Plans for Large Groups: We define large groups as employer groups with 100 or more eligible employees. Our standard Optima Vantage (HMO), POSA, Optima Plus (PPO) as well as Consumer Directed Health Plans (CDHPs) plan designs and funding arrangements may be offered, or they may be customized depending on the size, needs, and resources of the group.
    • Plans for Small Businesses: Small businesses are defined as companies with one to 50 eligible employees. Our standard plans listed above are available with a range of coverage levels, deductibles, and copays. Optima eBroker empowers small group brokers with the tools they need to manage Optima Health small group business.
    • Referral Products: You may be able to help employers who have low-wage earning employees find a way to provide coverage for their eligible children through the State of Virginia's FAMIS program. Optima Health pays no commission or referral fee connected with this program. If you uncover this need, have them call 757-552-8975 or 800-881-2166.
    • Individual Plans

    Optima Health is the trade name of Optima Health Plan, Optima Health Insurance Company, Optima Health Group, Inc., and Sentara Health Plans, Inc.. Optima HMO and POS products are underwritten by Optima Health Plan. Optima PPO products are underwritten by Optima Health Insurance Company. Sentara Health Plans, Inc. provides administrative services for other employer benefit plans.


Contact

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  • Who are the appropriate contacts for large, small, Peninsula, and Southside business?

    Optima Health Plan (OHP) and Optima Health Insurance Company (OHIC) require that all Agents/Brokers and Agencies be appointed before the release of any marketing materials, proposal quotes, or information regarding new and existing business. Appointments with OHP and OHIC are not guaranteed. Interested brokers can start the appointment process by completing the Optima Health Broker Appointment Process. All requests are subject to review and approval of designated OHP and OHIC management. Contact Us for more information.


Advantages

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  • What is your commission schedule?

    Optima Health will pay commission to any broker who is appointed with Optima Health, in good standing with the Bureau of Insurance and is designated as the agent or broker of record by an employer group. For more information refer to Optima Health’s Broker Guide or contact your general agent.

  • Do you offer bonus programs?

    Yes.

  • How do you accommodate members located outside of Hampton Roads?

    Employees who reside and work outside of the service area, or spend more than 90 consecutive days for business purposes outside of the service area, (foreign travel excluded) can be included in the quote and will be offered a variety of options based on group size. See your Broker Guide or contact your general agent for more information.

  • How can I get marketing materials?

    Many of our broker marketing resources are available online. Appointed small group brokers can use eBroker or contact their general agent to secure marketing materials. Due to the unique nature of large group sales, large group brokers may obtain marketing materials from their Optima Health account representative.


Broker Rewards

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  • What is the Broker Rewards Program?

    The Broker Rewards Program is a points-based program that brokers receive when they meet certain goals, such as selling new commercial group and individual product contracts. The incentives may change depending on the time of the year and other factors. 

  • Are there other opportunities to earn points?

    Yes. Throughout the year, Optima Health may award points to brokers for participating in educational and training seminars, attending special events, annual renewals, and more. Optima Health will notify brokers when there is an opportunity to earn points.

  • How can I participate in the Program?

    All Optima Health appointed brokers are eligible to participate. To enroll, please sign in to eBroker, agree to the Terms and Conditions, and provide SF-W9 information.

  • What can I do with the points?

    Brokers can use the points toward name-brand merchandise, local events, charitable donations, travel, gift cards and more. To view the types of rewards available, sign in to Broker Rewards.

  • Do my points expire if I don’t use them?

    Your points never expire and there is no limit to the number of points you can earn, for as long as the Program remains active.

  • Can I trade in my points for cash?

    No. Points have no cash value and cannot be redeemed for cash.

  • Can I purchase merchandise with cash or a combination of points and cash?

    Brokers active in the Program may supplement their points with a credit card for up to 10% of the Program reward point value.

  • Can another broker and I combine our points to purchase a reward, like concert tickets or a trip?

    No. Points are not transferrable to any other broker or account for any reason, including retirement, death, agent-of-record change, as an inheritance, or in connection with a divorce.

  • If I switch agencies or become an independent broker, do I lose my points?

    No. Points are awarded to the individual broker, not the agency. As long as you continue to be an appointed Optima Health broker, your points remain yours.

  • Are points taxable?

    The points are taxable upon redemption. Optima Health is required to report compensation where required by federal and state law.

  • When I earn points, do I have to fill out a form or submit any paperwork to get the points added to my account?

    No. When you meet the requirement and earn points, they are automatically loaded to your account, usually six–eight weeks after they are earned.

  • Does this replace the periodic cash bonuses Optima Health offers?

    No. The Broker Rewards Program is in addition to our already competitive commission plan.

  • If I purchase an item with my points and then change my mind, can I return it and get my points back?

    You may return an item by calling 1-877-AWARDHQ (1-877-292-7347) and a Customer Service Specialist will gladly help you. 

  • Where can I get more information on the Program?

    Sign in to eBroker, call Broker Services at 757-552-7217 (toll-free: 1-866-927-4785), or email brokerrelations@sentara.com for more information about the Program.


Release of Information

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  • What is a release of information and why is it required?

    Federal and state privacy laws require us to obtain a Release of Information/Authorization of Designated Agent form whenever anyone other than the member needs to obtain and/or change the member’s health information. This form must be signed, witnessed and returned in order for it to be in effect.


Website

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  • What is eBroker?

    eBroker is the interactive, secure portal that enables Optima Health small group brokers to manage their book of business, access proposals, and stay informed about the latest issues affecting Optima Health and the health insurance industry.

  • What forms can I get on the website?

    View Forms and Applications