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Agents and Brokers Registration

Questions answered

Registration Process Part 1

Agents and brokers operating in the Individual Marketplace must complete the steps below before they may assist individuals with an application, plan selection, and enrollment through a Federally-facilitated Marketplace. Note that the registration steps occur on two different websites —

  1. The Medicare Learning Network (MLN)® Portal: http://medicarelearningnetworklms.com
  2. The CMS Enterprise Portal: https://portal.cms.gov/

Agents and brokers who ONLY operate in the Federally-facilitated SHOP are only required to complete the applicable steps in Part I.

Part I.  Register on MLN, complete assigned training and exams, and execute Federally-facilitated Marketplace Agreements. (All agents and brokers in the Federally-facilitated Marketplaces are required to register on the MLN website. This applies to all agents and brokers, regardless of which insurance market they wish to serve in the Federally-facilitated Marketplaces.)

Step 1. Enter basic identifying information, including your NPN, as prompted. You will also be prompted to create an MLN user ID. It is vital that you enter your NPN correctly, and that you remember your MLN user ID. 
 
Step 2. When prompted during the MLN registration,
a. Select your user type: “agent/broker/web-broker”
b. Select your role, based on which insurance market(s) you wish to serve. 

The role choices are: “Individual Marketplace,” “SHOP Marketplace,” or “Individual Marketplace and SHOP Marketplace.” Your role selection will determine the courses and agreements you complete. Your progress in completing those items will be tracked, based on your role selection.

Step 3. Depending on the role you select, you must complete the following steps, as prompted, in order to receive training completion certificates.

a. If you select the Individual Marketplace role, you must —

i. Take the “Affordable Care Act and Marketplace Basics” course and pass the exam. (required)
ii. Take the “Individual Marketplace” course and pass the exam. (required)
iii. Read and accept the Federally-facilitated Marketplace Agreement for the Individual Marketplace. (required)

b. If you select the SHOP Marketplace role, you will be prompted to —

i. Take the “Affordable Care Act and Marketplace Basics” course and pass the exam. (highly recommended)
ii. Take the “Small Business Health Options Program Marketplace (SHOP)” course and pass the exam. (highly recommended)
iii. Read and accept the SHOP Marketplace Agreement for the Federally-facilitated SHOP. (required)

c. If you select the Individual Marketplace and SHOP Marketplace role, you will be prompted to —

i. Take the “Affordable Care Act and Marketplace Basics” course and pass the exam. (required.)
ii. Take the “Individual Marketplace” course and pass the exam. (required)
iii. Take the “Small Business Health Options Program Marketplace (SHOP)” course and pass the exam. (highly recommended)
iv. Read and accept the Individual Marketplace Agreement for the Federally-facilitated Marketplace. (required)
v. Read and accept the SHOP Agreement for the Federally-facilitated SHOP. (required)

Step 4. Keep the training completion certificates you receive. You will need to provide copies of these certificates to the issuers and web-brokers with which you are affiliated. You will receive a certificate for each curriculum you complete. 

a. The Individual Marketplace curriculum consists of: Affordable Care Act and Marketplace Basics exam; Individual Marketplace exam; Federally-facilitated Marketplace Agreement for the Individual Marketplace

b. The SHOP Marketplace curriculum consists of: Affordable Care Act and Marketplace Basics exam (if completed); SHOP Marketplace exam (if completed); SHOP Marketplace Agreement for the Federally-facilitated SHOP

c. The Individual Marketplace and SHOP Marketplace curriculum consists of: Affordable Care Act and Marketplace Basics exam; Individual Marketplace exam; SHOP Marketplace exam (if SHOP training is completed); Individual Marketplace Agreement for the Federally-facilitated Marketplace; SHOP Marketplace Agreement for the Federally-facilitated SHOP

Remember to keep these certificates for your records. You will need to provide copies to the issuers and web-brokers with which you are affiliated.

Registration process Part 2

Part II.  Create a User Account and complete identity verification through the CMS Enterprise Portal.
(Required only for agents and brokers who wish to enroll individuals in a Federally-facilitated Individual Marketplace.)

Step 1. Go to the CMS Enterprise Portal at https://portal.cms.gov/ and select “New User Registration.” Note: To allow time for your training results from the MLN site to be transmitted to the CMS Enterprise Portal, you must generally wait at least two business days after completing your registration, training and exams, and Marketplace agreement(s) on the MLN website. During the initial 2013 launch of the agent/broker registration process, the transmission of training results may sometimes take longer than two business days.
 
Step 2. As a result of selected "New User Registration", the CMS Enterprise Identity Management (EIDM) system on the CMS Enterprise Portal will prompt you to agree to the EIDM terms and conditions, and then enter basic identifying information. Be sure to enter your legal name rather than a nickname.
 
Step 3. The EIDM system will prompt you to create a Federally-facilitated Marketplace user account (your FFM user ID, password, and challenge questions). 
  • Agents and brokers operating in the Individual Marketplace will use this ID to enroll individuals in the FFM.
  • The challenge questions may be used later to retrieve your password or make profile updates.
  • Note that this FFM user ID will not be fully activated until all steps below are completed.
Step 4. After the completion of Step 3, the EIDM system will acknowledge the creation of the account and redirect you to the CMS Enterprise Portal home page for you to log back in with your new FFM user ID and password.
 
Step 5: On the CMS Enterprise Portal home page, select "login to CMS Secure Portal" and log in with the FFM user ID and password you created in Step 3. This returns you to the EIDM system.
 

Step 6: Select “Request Access Now”.  On the “My Access” page, select “Request New Application Access”.

Step 7: Select “FFM” from the Application Description dropdown menu.
 
Step 8: Select your role: “Agent/Broker.”
 
Step 9: Before granting you the Agent/Broker role, the EIDM system will automatically begin a secure identity proofing process. The EIDM system receives the questions from an external application, and does not control the content of the questions. You will be asked questions that only you can answer, so-called “out of wallet” questions — because the answers are usually not found in your wallet or purse. 

Step 10: Once the identity proofing process is successfully completed, you will be returned to the “My Access” page.

Step 11: Enter your NPN and MLN User ID. (It is absolutely vital that you enter both of these items accurately, or the system will not be able to match your training records.) 

Step 12: When identity proofing has been successfully completed, your FFM user ID will be activated, and you will be granted the Agent/Broker role. Your FFM user ID and NPN must be entered on Federally-facilitated Marketplace applications in order to receive compensation from health insurance issuers.

Note that in some cases, identity proofing will not be feasible on-line. In this case, EIDM will display a phone number for you to call that is staffed by appropriate personnel. If you are unsuccessful in completing identity proofing with that individual telephone assistance, you may also contact the Agent/Broker Email Help Desk.

 

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Agents and Brokers are required to be trained to assist consumers with the application and decision making process. Using an Agent to enroll in a ObamaCare Health Plan will be the primary choice of many americans. After all agents have the inside track on companies and their promptness to handle claims and pay benefits in atimely fashion.

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