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All compliance questions can be sent to compliance@sparkadvisors.com

Please see the Agent Help Center for our complete documentation for standard Medicare compliance questions. In this section, we’ve included templates that you might need in the course of receiving higher-level contracts with carriers.

How we handle agent allegations

In the event that an agent receives an allegation from a beneficiary and a carrier initiates an investigation, we will reach out to the agent directly with the Agency Principal OR the request compliance contact cc’d. Our protocol for handling multiple allegations is as follows:

1. After 2 allegations (across any carriers): Spark reaches out to agent and upline offering a strongly encouraged training.
2. After 4 allegations: Spark notifies agent and upline and requires a mandatory agent training
1. Agency Principal: When 2 or more agents in Principal’s organization receive 2 or more allegations (across any carriers), Spark requires a mandatory Agency Principal training.
3. After 8 allegations: Spark notifies upline of allegation count and threatens to terminate the agent if not addressed, and allegations continue.
4. After 10 allegations: Spark no longer contracts agent for new carriers.
1. *If an agent is terminated by a carrier, we will not contract that agent to new carriers unless there are extenuating circumstances such that the termination is unrelated to client allegations.
2. *If Spark identifies in the course of Speaking with the agent rampant non-compliant activity, Spark will notify the carrier even at the risk of the agent being terminated.

Compliance Policy

Describes all of the policies as they relate to acting as a Medicare brokerage, including effective training and education, exclusion reporting, record retention, nominal gifts, etc.

Information Policy

Describes all of the policies as they relate to managing internal data, including access controls, network security, PHI, etc.

• How we handle agent allegations
• Compliance Policy
• Information Policy