Term | Definition |
ACA | Affordable Care Act |
ACA STAR | Messer’s program designed for ACA-focused agents |
ANOC | Annual Notice of Change |
AOR | Agent of Record |
AEP (Annual Enrollment Period) | Medicare Annual Enrollment Period running October 15 – December 7 |
ALL IN | Messer program including ACA Star and Medicare Star features plus additional benefits |
BoB | Book of Business |
BEQ | Benefit Eligibility Query |
CAPTIVE AGENTS | Agents tied to a single insurance carrier who usually do not own their book of business |
CC (Chairman’s Council) | Group of top Messer agents who earn elevated status based on production |
CMS | Centers for Medicare & Medicaid Services |
CRM | Customer Relationship Manager |
CSNP | Chronic Special Needs Plan |
DSNP | Dual Special Needs Plan |
DNC | Do Not Contact |
DOI | Department of Insurance |
E&O | Errors & Omissions |
EAC (eAgent Center) | Platform where agents can view statements for commissions paid by Messer |
EDE (Enhanced Direct Enrollment) | Allows consumers to enroll in Marketplace plans without visiting HealthCare.gov |
EAP (Employer Assistance Program) | Voluntary benefits like pet insurance or identity theft protection |
FE | Final Expense |
FFM | Federally Facilitated Marketplace |
FMO | Field Marketing Organization |
GHL | Go High Level |
GI | Guaranteed Issue |
GBP | Google Business Profile |
HMO | Health Maintenance Organization |
HSA | Health Savings Account |
ICHRA | Individual Coverage Health Reimbursement Agreement |
IFP | Individual & Family Plans |
IMO | Independent Marketing Organization |
JIT (Just-In-Time) | Carrier delays formal agent appointment until first piece of business is submitted |
K | Kidnap/Ransom Insurance |
LEGACY ADDENDUM | Protects agent commissions for beneficiaries after death |
LOA (Licensed Only Agent) | Agent employed by or under exclusive contract with an upline |
MA | Medicare Advantage |
MAP | Medicare Advantage Plans |
MAPD | Medicare Advantage with Prescription Drugs |
MEDICARE PDP | Medicare Prescription Drug Plan |
MEDICARE STAR | Messer program for Medicare-focused agents |
MESSER MARKETING STUDIO | Online repository of compliant marketing materials |
MIC | My Insurance Cards |
MFG | Messer Financial Group |
MOOP | Maximum Out of Pocket |
MSA | Medical Savings Account |
MyMFG | Tool allowing side-by-side ACA and Medicare Advantage comparisons |
MyMFG+ | CRM used to manage an insurance agent’s business |
MyMFG MARKETPLACE | Messer’s preferred place to purchase leads |
NON-CAPTIVE AGENTS | Independent agents who can contract with multiple carriers |
NPN | National Producer Number |
OEP (Open Enrollment Period) | Open enrollment periods for U65 and Medicare |
OFFICE IN A BOX | Messer compliance and support application |
P&C | Property and Casualty |
PCP | Primary Care Physician |
PDP | Prescription Drug Plan |
PFFS | Private Fee for Service |
PMPM | Per Member Per Month |
PPO | Preferred Provider Organization |
QSEHRA | Qualified Small Employer Health Reimbursement Agreement |
ROI | Return on Investment |
RTS | Ready to Sell |
RELEASE POLICY | Rules allowing a captive agent to leave a carrier contract |
SAAS (Software as a Service) | Software accessed online via subscription |
SAR | Service Area Reduction |
SEP | Special Enrollment Period |
SOA (Scope of Appointment) | Document ensuring only requested Medicare products are discussed |
SOP | Standard Operating Procedures |
SME (Subject Matter Expert) | Person with specialized expert knowledge |
SureLC | Platform housing agent licenses and carrier contracts |
TOH | Top of Hierarchy |
TPMO | Third-Party Marketing Organization |
TPS (Top Producer Summit) | Messer annual recognition event for top producers |
U65 | Under 65 |
UL | Universal Life |
VA | Veterans Affairs |
VESTED COMMISSIONS | Agents continue receiving commissions as long as policies remain active |
W | Waiting Period |
WL | Whole Life |
X-Date (Expiration Date) | Policy expiration date used in Property & Casualty insurance |
X-Risk | Extreme or catastrophic risk |
YTD | Year to Date |
ZDP | Zero Dollar Premium |