Name: Introducing: Plan Fit
Uploaded: 2026-09-16T18:16:14.109Z
Duration: 1 h 3 min 24 s
Description: Introducing: Plan Fit

Transcript for "Introducing: Plan Fit": Hi, everybody. Good morning. Good afternoon. Hope everyone's excited. I guess we are right on that cusp. Could be in the morning or the. afternoon. From Howdy. Houston. Love it. Love to see it. Arizona, Houston. Michigan. Wow. We've got, pretty much the coast's covered on our end. I am dialing in from DC, and Julia is in California, Colorado, Georgia. Well, I love I I feel like you all must have attended a Spark webinar before where we usually shout out where you guys are calling in from. Amazing. We didn't even pros. Everyone's. pros. Yeah. Well, we have over a 100 people in the room, and we've got a lot of content to get through. We're really, really excited to share plan fit with everyone. It's Spark's newest feature. So we'll go ahead and get started. I'll intro myself. I'll intro Julia. I'll do some housekeeping, and then I'm gonna turn it over to Julia to get into the really good stuff. So again, welcome everybody. My name is Andrea. I am a product marketing manager here at Spark, and you might all recognize Julia from our, virtual kickoff last month or some other webinars you might have attended with her. She is a product manager here and is hard at work building, a really amazing feature is to help you all get the most out of Spark and to really crush AEP this year. So before we dive in, just wanted to give a little bit of housekeeping. This session will be recorded. We will share the recording, after after the webinar is over, probably tomorrow, and you'll be able to view it on demand. If you pop over to the docs section on, next to chat in that window on the right hand side, you'll see two links. One of them is a link that'll open directly in your Spark platform, and it'll, has a button for you to be able to turn on PlanFit. We'll walk through what that means and how it works in just a little bit, but I wanted you to know that it's there. And then the second link is a link to the help center article for PlanFit, which we will also share again at the end of the webinar, but wanted you guys to have it available for your reference. Looks like everyone's pros. You know how the chat works. We'll be monitoring the chat for q and a. I will be answering some things in text if, if I can, and then the other ones will be holding for the end, and Julie will be answering them live. Anything that we don't get to live, we will follow-up with you, over email. But, if your question isn't answered in the chat, it might get answered live at the end and we're leaving plenty of time for those questions. So thank you in advance for your, engagement and your attention. And I will pass it over to Julia. Thank you, Andrea, and thank you all again for being here. We're super excited to kind of introduce this feature. As Andrea mentioned, I'm on the product team, so I've gotten to be, super close to the team that's been working hard to get this feature out the door. We're super excited to get, agents' eyes on it and continue to get feedback to improve it. But, really, today is about giving you more information on the tool. We'll make sure you get a live look at it. And as we've we kind of alluded to, it will be possible for you to even turn this on live while you're on this call. So let's take a quick look at the agenda for today. We're gonna first start with why we built this feature, what's happening in the market that makes this matters, more than ever right now. We'll then transition into a high level of how this works, basically just enough detail so that the demo makes a little bit more sense. Then the fun part, we'll jump into the Spark platform, show you guys how this works. We'll have a few slides after that to kind of hammer home, functionality, and then we wanna save a good amount of time at the end for a live q and a. So as Andrea mentioned, make sure to send any questions that come up into the chat, and we'll do our best to kind of triage those into q and a and make sure we can answer them at the end. There will be a lot of content today, so I'm sure you guys will have some good questions, and we'll make sure that we can get to as many of those as possible. But first, we want to kind of start with the context that we're all operating in, why we built PlanFIT. This slide is sort of the backdrop of this whole season. So more than 3,000,000 beneficiaries are gonna be forced to switch plans this year because of plan exits or service area changes. Some of you may have seen, the feature or, resource that Spark recently launched this week around, how to kind of understand the disruption in your different markets. If you haven't checked it out, definitely check it out in our resource hub. But, there are three national carriers alone that are accounting for over a million of those disruptions. Humana called out 600,000 impacted members. We can see Centene on Medicare Advantage is exiting Oklahoma, Tennessee, and Hawaii. Then we've got a long tail of regional carriers, that are following behind that. And so what this really means is that a lot of people are gonna be picking up their phone, reaching out to their agents. They have to make a change this year whether they wanted to or not. That means there's gonna be an increased volume and load of disrupted members that you're trying to, navigate to new plans. And the pressure is coming from carriers as well. The quality bar is rising, so they're changing what they reward. Volume isn't enough anymore, they're tying compensation and enforcement to these downstream outcomes and so there's kind of three we're highlighting here in particular that are repeatedly getting brought up by carriers. First accretion rate, so that first year retention, basically your effectuation number, this is the number one metric carriers are watching. You want to aim for 90% or above. Kind of on the flip side of that, we see the rapid disenrollment rate. This is increasingly a proxy for enrollment quality. You want to aim for below 5% and then of course we have complaints to Medicare rates. So how often are we seeing those compliance issues surfaced across your enrollments. Again, this is kind of a rate. Every single one of these is coming back to the same thing. Did the person end up on a plan that actually was a fit for them? Did they understand the plan that they were put on and why? Were they happy with that decision and comprehending that decision? We're going to see that a good fit shows up as retention. Something that maybe isn't so much of a good fit for that member can potentially lead to those complaints or potential downstream switches off that plan and unfortunately that's showing up in your compensation but might also show up as enforcement coming from the carrier. So with all of this disrupted volume, the increasing pressure from the carriers. The job that we're asking agents to do is as complex as ever for a given member, let's say, has 10 prescriptions, two specialists, one preferred hospital, and a fixed budget, you are weighing all of that against the premium, the drug costs, the give back value, their co pays. I could go on and on as you guys know, but multiply that by 40 plus plans in a given market. Many of you are servicing multiple markets. It's a lot of context to hold in your head and many of you know this information cold. It's not always a knowledge problem, but it is a lot to weigh in your head live while trying to build rapport and trust with your clients and stay compliant in this industry. And when this load gets high, we see that decisions don't necessarily become poor but it is easy to default. We see that the eye can go towards $0 premiums or give back values, especially when we see that beneficiaries are so motivated by those numbers and because those numbers are easy to see, it's not always easy to follow-up with kind of what might be traded off on the risk exposure or protection side of the plan. And so this moment and this context is exactly why we built PlanFIT. So without further ado, we are introducing PlanFIT to the market starting today. This is available as an opt in beta feature to every Spark agent. And so what this means is that everyone can, sorry. I'm seeing the chat about Forrest Gump, but everyone can, opt into this feature. We're still actively developing it and working through this, and so we wanna make it better. We wanna get agent feedback on it. And so also be sensitive to the fact that this represents a key workflow change. Given this is coming before AEP, we want to make sure that you guys can control whether or not you want to opt into this experience. We can see on the slide here, you can do this by going to settings in platform, selecting beta features, and then opting into PlanFit. We'll show that workflow in the demo as well, but in kind of summary, what is this feature that we're representing or bringing to the market? PlanFit is going to look at the plans available in a market, it's going to apply the feature filters that matter the most, narrow down to a short list of category leaders so you get a confident well reasoned pick instead of staring at kind of a wall of options in a given market. We'll get into a bunch more detail about that but that's kind of the high level of what we're introducing. To hammer home kind of what we aim to achieve here, we built this around a simple belief that enrollment quality is primarily decided at the quote. There is no cost. This is free as a part of your access to the Spark platform. Right at the moment the plan gets chosen is where there's kind of this key moment happening between the agent and the beneficiary and we wanted to target three things that can quietly hurt quality at this moment. So the first on this slide, the most visible number isn't always the most important. Right? We see that there's kind of that drift towards $0 premiums and, give back numbers, but that can mean that maximum out of pocket or financial exposure doesn't always follow-up in the conversation. Plan fit is going to score the net annual cost, including the premium drug cost, the give back, and specialist and PCP co pays for the projected visits, and make that cost trade off explicit against things like maximum out of pocket. The next bullet here on cognitive overload, it's a lot of information that you're having to sift through across all of these different members, and we talked about how that can kind of lead to default options. By narrowing the complex market to a defensible starting point, we're giving you a defensible set of plans to start looking into, and kind of take that as your first step. Finally, we see that, all this information, you know, is being synthesized live. It's hard to have a repeatable framework from conversation to conversation, which means beneficiaries can walk away with not necessarily understanding which, what was the key driver of the decision, what did I give up, right, and that can lead to surprises down the line and so what we aim to do here is by labeling each plan for why it showed up on your shortlist, there's a key framework that not only the agent can use to reason through that but also pass that framework on to the beneficiary so they understand what they're gaining with a given plan and what they might be giving up. So now we're gonna take a look under the hood for a little bit to understand a little bit more about the plan fit approach, and then we'll jump into the demo to show you guys how this actually works. Alright. So we can think of this kind of functionality as a funnel. Plan fit is going to start with the plans that you're ready to sell and that are available in the member's market. This is nothing new, this is basic kind of we don't want to show you plans that you can't actually sell to that beneficiary but following that are going to be three steps. The first is we're going to apply that plan market. We're going to apply quality filters to that market to optimize for star ratings where possible and we're also going to optimize for provider coverage. So only try to look at plans where we're seeing those providers that are noted on the the client are in network for those plans. Of the plans remaining, these kind of hard filters, so we've got zip code availability, your RTS status, the provider coverage, and the star quality gate. Next, we're going to take the plans remaining in that universe and we're going to score them on two different dimensions. First, we're going to calculate the net annual cost of every single plan remaining in that universe and we're also going to pull their overall risk exposure. We're going to pull the plans that are at the top of the lists across those two categories and surface those as standouts on the shortlist reporting why each one of those made the shortlist. We're gonna double click specifically into that middle box around the cost and risk analysis next because that's kind of the core functionality of PlanFIT that I wanna make sure we all kind of walk away from today understanding. So we talked about those hard filters that are coming first and then on top of that is kind of this meaty center of how we're ranking those plans across two key, key calculations. The first you can think of as expected annual cost. This is a sum, right? So this is more or less the money that you can forecast the beneficiary is going to be spending. This is things like premium, their actual drug, cost price, PCP and specialist visits, and then if there is a Part B giveback amount accounting for that as well. We should think of this as their expected, medical costs. These are the recurring costs month to month. This is where we often see people want to default to the low cost, right, and that's important for some for some clients, but we want to make sure that they're trading that off against understanding things like their maximum out of pocket exposure. So we're also going to look at, risk essentially as a cap by in network move and make sure that those is that's basically accounting for unpredictable expenses that the beneficiary could be expected to pay if something were to go wrong. So every plan is going to get ranked across these two areas and then we're going to surface plans across cost focus, protection focused, or maybe it's a balance, it's a good mix of both of those and it's going to end up on the shortlist. And so then every time you'll kind of end up with this shortlist of plans with the reasoning clearly laid out on each plan so you understand kind of what that spectrum is and how to kind of guide the beneficiary across that. And digging in a layer deeper, want to kind of talk about what you're getting and then what, is also important to consider that's still the same to the process that you know today. So 40 plus plans in a given market is going to go down to a defensible starting point. The goal here is that this kind of quoting and comparison experience exists in, Spark today. So you get to switch less across different platforms, less time entering data or duplicative data. You get to spend more time listening to the beneficiary and less time kind of comparing against 40 plus plans and trying to understand where to start. You're getting a clear answer for why this plan over another plan and finally because that framework is repeatable, the same math is going to be running on every case, Your reasoning is going to be consistent beneficiary to beneficiary and hopefully lead to higher comprehension by the beneficiary or client on why they chose a given plan over another. A few things on the flip side to be sure that are clear is you're still going to enroll in Sunfire. So once you've selected that plan in the Spark platform, we're going to streamline that experience directly into the Sunfire application for the plan that you selected. The same information that we were able to populate on that application before will get passed directly into the application that you know today. So that part of the experience will remain the same. We've talked a lot about how we're starting with this shortlist. That's what we're going to show you by default but we want to make sure you always have the complete plan universe one click away. So if there's a plan that you're not seeing on that shortlist that you think is a good option for that beneficiary, you can always click into that complete list. Finally, this kind of leans up to this but ultimately the recommendation is still yours. Plan fit is meant to act like a copilot. It is not autopilot. It's there to help you create defensible decisions and give you a credible starting point but ultimately you as the agent decide what to present and what to write for the beneficiary. And then finally, this experience is running on Sunfire data so the plans that you are going to see recommended are going to be plans that are available in Sunfire. If you are working with certain regional carriers that you know are available on Sunfire, at least today, we would not expect to see those plans in our experience. The provider coverage and drug quote, is also at parity with Sunfire so you would expect those same numbers to be seen in the Sunfire experience that you're going to see in the Spark platform. We've talked a lot here about kind of the, background, why we built this, kind of the overall approach of this feature. But I actually think at this point now the best thing to do is just jump into the platform and give you a sense of kind of how this works. And then once we've, gone through that experience and you guys kind of have a sense of that visual, we're gonna jump back into the slides just to hammer home a few points. And then like I mentioned, we wanna make sure to save some good time at the end for q and a. So with that, let me share my screen here. Okay. So here, I'm on the home page. I wanna show you first, I know there were some comments in the chat about how to opt into this. So you all can follow along. You guys can do this in your platform. This is live even though I'm showing kind of our, demo environment here. But from your, home screen, we have this settings option down in the left hand corner. If I click settings, we're gonna see a new section here for beta features. This is kind of the new section where you'll be able to have access to new features as they come out. PlanFit is one of those. I mentioned we're launching in an open beta, so we're still actively developing based on agent feedback. So this is a great opportunity for people that, you know, have wanna give a newer feature a try and provide feedback to our team. So under beta features, we can see plan fit as an option here. This is what you would want to enable, and then you can expect that your experience will be updated based on that on the next refresh. And so once you guys have gone through that step, settings, beta features, and plan fit enable, you are live with this feature. It's important to note you can always disable this. So maybe this is something you wanna, you know, test out but is something that's representative of too big of a change prior to AEP. You can always toggle that on and off. Every agent can control their own experience. So this is opt in just for your experience. It won't impact anyone else's. Let's jump to a contact now so we can kind of see this, live in action. So the first thing I want to call out when you get to the contact page, you're going to notice a little bit of a change to the contact page to account for, this new feature. So primarily, if you guys remember, previously on the contact page, we used to have this, horizontal tab structure that kind of broke up the Medicare details, health care details, and quote enroll. Because we're looking to kind of make sure that this information can be quickly scanned while starting to preview plans, we've flattened this experience into a single scroll. So you're gonna see all health care related information on the left and all the policy information on the right. None of the functionality has been taken away so it's still the same that you guys have used before, but what has changed is it's a lot easier to edit for existing contacts. So instead of having to go into the edit flow to kind of update all of that information, you can actually do this live as a part of a conversation with the beneficiary. So maybe, you know, I want to add another medication or I need to update their existing medication. I can do this directly from this screen. I don't need to go into the edit flow to do that. Similarly, I could update the pharmacies, the providers, and then I'm able to see their current policy here on the right and then we can see this new section here called quote enroll. Here it's kind of showing you the information that you've populated thus far. We'll talk in the slides in a second but it's kind of enumerating the information that can drive what plans are going to be presented here. So let's say that I click find plans. This is gonna surface then those previews of plans that made the shortlist with those key badges we talked about, so cost focused, balanced, protection focused, and give you a quick preview into those plans. What's important is that I might still be having this conversation with the client. All of the information that I update here will change potentially what plans are surfaced. So let's say, for example, I wanna add a provider here. We can see I also have this new question here that's asking how often the contact expects to see a specialist in a given year. We'll default to this occasionally estimate, but if this is someone that has complex care needs, they have a large specialist, network that they're involved with, we might wanna update this to make sure that the plans suggested, factor that in as a part of the cost. And so we can see that the plans that are shown here actually updated after I added that provider and we're seeing that the provider is in network for the plans that we're showing here. Also see drug coverage and we also see this kind of cost comparison. So anywhere that the plans that we're surfacing beat the current plan that's on file for this contact, we're going to show that kind of cost savings to them. So in this case, maybe the plan that they're on is also a $0 premium so we're not seeing that, called out here, but we could expect that if maybe the the plan was $50 cheaper for the premium, that would be surfaced here as well. Looks like here we're reporting the maximum out of pocket is actually lower on this Humana plan than the devoted plan that they're on, and so that's something that might be important to speak to. Once you're ready to kind of shift into more of that holistic comparison, you can select view all plans or view plan details, and that's gonna bring you into this comparison view. So when you first land in this experience, you're gonna see those same, shortlist plans that we saw on the contact, and we're gonna have all of the information on the contact right here. So if I need to continue editing that, I don't need to go back to the contact. I can do that directly here. So maybe I continue building out the prescription list once I'm kind of in this view and, or maybe, you know, I'm updating providers from this view, or I need to update their pharmacy. All of that information can be updated. We can see there's a good, breadth of information kind of shown as at a high level and then as you scroll down, we're going to get into more detailed information about dental, vision, hearing, OTC, as well as some more detailed sections that can be expanded depending on what might be important to dig into with the beneficiary. Then at the bottom, we're going to have the plan documents here. If you need to link out to those, those will open in a new tab if you need to dig into a specific plan, you know, more holistically. We talked about how, I might wanna be able to view that complete plan list. So there's two ways to get to that plan list. I can either do that at the bottom here, view all plans, or if maybe as I'm having this conversation, I'm kind of understanding, you know, maybe this this Humana plan isn't going to be a good fit for somebody. I can select change and that's going to bring me to, the complete list. So there was a current plan on file for this person, so maybe I want to pull that plan in. Maybe I also want to pull in, another plan on this list that isn't badged that I think is a good fit. I can do that as well. We're seeing this breakpoint here outside of your filters. So when I go to this list, we're gonna show the items that are filtered based on those default filters here. But below that line, we'll show everything else in the market. So we're gonna default to things that you are ready to sell, as we mentioned. We're gonna default to MAPD plans, but we could include some of these other ones depending on what's important to that client. So we see C SNP or D SNP can be pulled into that search as well. And then if, you know, maybe they have a specific preference, we only wanna look at PPO, you could filter by that as well. And then the provider coverage are acting as filters as well. So all of that is kind of driving what's seen above the line but maybe if I wanted to pull in another option here, you can still always do that, pull that into the compare view, and weigh this with the client. So once you've actually kind of gone through this information, one of the key things that we are still working on today is the ability to share this view with the client so that you'd be able to kind of communicate this kind of side by side view directly from, this screen here. And, ultimately, once you've made that decision around what plan you'd like to enroll, you can click enroll, and that's gonna okay. Well, live demoing is always great. It'll bring you directly into the, Sunfire experience for that application. So I might not be logged in correctly. Let me see. Okay. Well, the Sunfire application would be, pulled up here once I move out of this demo. I'll see if I can bring it up for you guys. But once you click enroll, that's gonna route you directly into the Sunfire application for the plan that you selected. So that part of the experience will be identical to what happens once you've selected the plan in Sunfire. I'm in our demo account which sometimes has finicky credentials with Sunfire, but that is something you would expect to see in your experience. I know some of you all may be in the transition from BlazeConnect to Blaze. That will account for that, automatically. So if you're somebody that's using Blaze or BlazeConnect, once you launch into Sunfire by clicking enroll, that'll take you directly to the the platform experience in Sunfire that you're set up for. From there, you'll go through the application same as you do today and then once you've actually submitted that application in Sunfire, the same will hold true as, does today. That policy will get added to your contact in Spark and you'll expect to see that Sunfire application data in the dashboard in the the Spark platform. So that passback is still the same. You would expect to see that, information show up once you've enrolled. So we're now going to jump back into the slides for a second. I want to kind of go through, a few pieces that maybe are not immediately obvious looking at this demo, and then we'll save some time for q and a. Okay. So we talked a little bit about this, as I was showing you me updating the prescription or the provider was kind of driving the information that you were seeing, but it is really important to note that the information, that you see or the shortlist that you see is a function of the information noted on the contact. So the first bucket is focusing on cost and fit. Obviously, the zip code for this contact, their service area is going to drive what plans we're showing, but also things like providers, prescriptions, their pharmacy, and the reported specialist usage can all impact the, short list of plans. Prescription and pharmacy and specialist usage are all driving the potential cost of the benefit cost of the plan to the beneficiary which could change which plan we surface as a cost winner. Similarly, the provider and zip area are driving what plans are surfaced based on coverage and availability. The second bucket here is on eligibility inputs So things like chronic conditions or dual eligibility status, if noted on the contact in Spark, will automatically include certain SNP plans. So we saw that it's going to default to MAPD plans. If you reported that that person does have a chronic condition on your contact in Spark, we'll automatically factor in c SNP plans as a part of that universe. We saw that you always have the ability to include those alternatively so you don't have to have the the, information on the contact to compare, but we'll just default automatically include those if the chronic condition is included. Similarly, if you mark this person as dual eligible, you would expect to see D SNP plans are factored in. I think we saw a question come through at one point about the about the, LIS. So we do record the LIS status coming from our beneficiary lookup automatically on the contact. So when you perform a beneficiary lookup, that level is automatically recorded, and then our system will take into account that LIS status and apply it to the quote. So if somebody is, LIS, eligible or on an LIS, has LAS status, that could factor what costs they see on the plan and so that will factor into the cost calculation and then of course could change which plans are surfaced based on that cost. The next thing I wanted to make sure we spent a minute on is the filters themselves. So we do have a set of default filters we talked about, but this table shows all of the filters that you guys will have access to that you can always modify. If we think back to that funnel we talked about, so the zip and RTS and then we had this quality level filter, Those are things that you can always refine which would dictate what plans ultimately end up eligible for scoring. So maybe I want to soften the star rating or I only want to look at a specific carrier or as I mentioned, maybe this person really wants to be on a PPO plan. They want that network flexibility. That's gonna change what plans are ultimately scored across cost and risk and ultimately what plans end up on the shortlist. So you always can take advantage of that shortlist while still fine tuning what kind of area you wanna double down on. And then, one thing that I I didn't show in the demo that I wanna speak to, is from that that list, you can also include plans that you're not RTS for. So that, list is gonna only include plans that you're RTS for by default, but there's an option to include RTS if that's something that you wanna pull into the comparison. Maybe you have contracts with another upline that are not with Spark, but you wanna be able to to quote that or at least show it against, other plans, that's something that you can see as well. I just saw sorry. I've been doing my best to follow along with the chat, but I saw this question about noncommissionable. We are gonna show non commissionable plans. They will be badged as non commissionable so you'll know that when you're shopping them. Those can end up in the in the shortlist, but you'll always know that's the case based on the badge. So that's something that you should be able to pull in as well. Alright. Before we go to Q and A, the last thing I want to end on is just to review these, badges and kind of these category winning titles. So we're always gonna show why the plan is on that shortlist. We can see or we saw kind of those titles, cost focused, balanced, and protection focused. Each of those is gonna have a little description around kind of what that means and why it's on that list. But what badges you see might depend on the market. So in this case, this represents, a situation where the plan that was the cheapest wasn't the same plan that was actually affording the highest protection. There can be certain cases where the same plan actually wins across both. It might be the cheapest for expected costs but also provide the greatest protection, with lowest maximum out of pocket. In that case, we would expect to see strong fit surface in this, lineup and the plans that we would show next to that are actually going to function more as runner ups. So the cost runner-up is going to be a plan that maybe isn't as low cost as the strong fit but it still represents a low cost alternative to that plan. Similarly, the protection runner-up will function as a not the lowest MOOP but it still is a low, low maximum out of pocket plan that acts as a good alternative to the strong fit. And so those kind of six different category titles is what you might expect to see and it also can be constrained based on the hard filters like we talked about. So, all of that kind of drives what ultimately the number of plans are that get scored and that can drive what you see in your view. But just wanted to kind of talk about those badges and make sure you guys had some context on that. Awesome. So, now I think we are at the exciting q and a part, where we wanna make sure that you guys get a chance to answer some of your questions. So I'm gonna jump to the q and a and make sure I look at all. Okay. Sorry there. So are there any plans I'm just gonna go in order unless maybe the backup screen is telling me it should go in this. question. Julia, I will just push them to you on screen so that you can see them, and everybody can see the question, then you can answer them. Sound good? Cool. Sounds good. Thank you, Andrea. Okay. I don't see where to add non RTS plans. Can you show us that? Yes. Absolutely. Let me pull my screen back up. Okay. So once I go to that full list, if I go to change, or I could have scrolled to the bottom and selected view all plans. If I go to filter plans here, I see this toggle to include non RTS plans. If I turn that on, again this is my town environment but you can ignore that in your case, you will see kind of non or plans you are not ready to sell included in this lineup. So they will be badged. They'll have a not ready to sell status on the plan. Here are some non commissionable plans. I'm gonna continue scrolling through here. Okay. This might not be filled with my demo environment, so apologies. But when you include this, that would include the plans in the market that you are not ready to sell but are available in that geo. Similarly to the line that we talked about before, there could be plans that you're not ready to sell that when you include are above the line, but there could also be ones that you're not ready to sell that would be below that line. So they still will be segmented by the filters that you have applied here. It's just whether or not, RTS status is accounted for. So I hope that helps answer that question. Sorry I'm not able to show that here in my view but if you're not seeing that in yours, let me know and we can we can double check that. Can we filter out non commissionable plans? So right now, there is no active filter for that status, but that is something that we can look into in the future if that would be super helpful. It sounds like a good piece of feedback if that's something that's important to your workflow. Right now, it'll just be shown noncommissionable. So it is easy to avoid those if those are things that you don't wanna surface, or at least you'll know that that's something you don't wanna pull into the compare view. Are there any plans to eventually add the same thing from EdSapp? Great question. So this kind of represents the first step for Spark into this kind of quoting space. There's a lot that we seek to do to kind of explore how can we further centralize the entire quoting experience across different plan types. So that can include things like Medicare supplemental, but also things like ancillary products that might be cross sold across things like Medicare Advantage or MedSup. And so that's definitely the direction that we wanna head down. For now, this experience is limited to Medicare Advantage, plans and PDP plans, but it is something that is definitely on our radar. Does that include noncommissional PDPs? Yeah. So if a PDP is noncommissionable, it will also be shown here. Importantly, though, I know, there's been some recent, you know, feedback from agents about certain PDP plans not being available on Sunfire and those being suppressed. We talked about how this experience today is built on the Sunfire, data. And so if there are certain PDP plans that you're not seeing in Sunfire because they've they've gone, they've been removed from Sunfire, they're not or they're not available and have been suppressed, we would not expect to see those here. So that's something that, the nonperishable status is something that we can show if it's not a suppressed plan is just the, caveat. And a follow-up question, can you compare p d p PDP plans only? Yes. So if you filter by, PDP in the plan type, so like I mentioned, we'll default to MAPD or we could default to including, MAPD and D SNP or MAPD and C SNP. You could just remove those filters and apply a filter for PDP only and then select those plans to pull into your view. So that's a way that you could if you're only interested in shopping the PDP plans again, just want to caveat with this as PDP plans currently available to be sold on, Sunfire. Does this take into consideration the medical group component on top of in network for SoCal? For HMO plans in SoCal, it is not enough to know that the providers are in network. This is something so we've been doing a lot of work with some of our agencies on feedback, early feedback on this, experience and there are complexities with provider networks, limitations on the information coming from Sunfire. And then in geos like SoCal, we have this complexity of Medicare, Medicare sorry, medical group. So this is something that we're not able to search for today. It's something that we're super eager to make better for agents. We know this is like a huge pain point in your guys' workflow is having to confirm this information with a secondary source. Right now, this experience really is only taking into account the provider network coverage noted for noted for a given provider and that plan. So there's not the additional context of the medical group. That would be something that would have to be confirmed outside of this experience. Does it take Medicaid level into account? Just tested on a client with partial Medicaid, and it suggested FBDE level plans. This is actually a great question. I'm actually gonna jump into well, they're all great questions. I don't mean to say that, but let me jump back into my screen. Actually, Andrea, would you be able to remove this question so I can get thank you. Okay. So what's important to note is when I go back to the contact, we do oh, great. One second. We basically do take into account on the contact if their, what their Medicaid status is. So that's something that you guys can record on the contact today. The important thing is that we don't yet pull that information automatically, so we're working on that. We want to be able to, as a part of the beneficiary lookup, not only return that this person is Medicaid eligible but also pull back the level. So that's something that should be coming, but is in progress today. So when you go to a contact, I can get through through edit contact or maybe I just come here directly, there's information that you can apply here stating that this person is dual eligible or not dual eligible. But what you are getting at too is related to the actual actual, MSP levels. So that information is recorded here, as well. And so the information that you include here, we're in we're actively working to automatically apply that filter when you land in the experience. Today, that filtering is still manual, but that's something that should be coming as an update soon. So when you say that this person is dual eligible and you select to find plans, we're gonna account for D SNP plans in that search. And when we were looking at some of those D SNP plans, I'll pull up some in a second, we record the dual levels or dual categories for each plan. So let's say, I want to include D SNP plans only. I'm going to get this additional category here dual eligibility category and here I can filter by specific level. So you can see how we want to kind of streamline this. It's not quite yet as streamlined as we want it to be so that information is entered on the contact which drives whether a dual eligible plan is considered. If you know that eligibility status, you'd want to make sure to to refine that filter. Like I mentioned, we're gonna automate that moving forward, but we're still waiting to kind of pull this information back from our beneficiary lookup so we can get an accurate, MSP level and then automatically apply that through. Today, though, you do have access to these filters, and we'll report the dual eligible category directly on the plan so that you have a sense of kind of, what plans are basically that member would qualify for. Let me stop sharing so we can get a few more questions. Has it been update to email the plan comparisons to the clients, or do we have to go through Sunfire? Yeah. Great question. So, Cindy, this is something that we do we are working on right now so that you'd be able to, from that compare view, send an email of that view to the client so they can access that. It's not live today, but this is something that we're actively working on and will be shipped here soon. We know that's super important to the workflow, and so we wanna make sure that that's something that you guys can can do directly from this experience. But as you noted, it's not something that you can see today in the experience. Are these plans only for Medicare Advantage? What if they want plan f comparison? Yeah. So this kind of goes back to the med sup, question. Today, the plan types that we're showing are Medicare Advantage, only. We do include PDP, but we will be interested in kind of expanding that footprint, moving forward, but that's not something that will be happening in the immediate term. From the contact page, we, saw that under the quote enroll section, there was that option to find plans. If you want to quote, Medicare supplemental or ancillary products, there's a drop down below that quote enroll with options to launch into Sunfire. And so if this is a client that does have med sup, needs and that that makes more sense for that client, you can launch into Sunfire. That's gonna be the same experience that you, know today and can quote the med sub from there. The current plan in the plan fit tool is based upon the CMS confirmed plan or the plan the agent has manually entered in Spark. Good question. So when the the only case that it would be the CMS plan is if you've this is a new client. You have just run your beneficiary lookup, and that information will get pulled back from the lookup if there is a current plan that would get added to that contact. If this is an active, contact in your book that you've been maintaining, you added a policy to that contact and none of the data that Spark has received from carriers report that that, you know, that plan is still active, the person hasn't come off that plan, it would be based on the plan that you've entered for that, client. So it's only based on CMS if that information is pulled back from the beneficiary lookup when you first, you know, are known to the client or first entering the client as a part of the enrollment. But other than that, it would be based on the information that's applied by you as the agent. When a plan is sunsetted but still available to the client, it doesn't show up in Sunfire. Is there a workaround for us to show a comparison with a new plan? So that's something that we're working on. The current plan right now should show if we have data on it. We can have data on it through Sunfire or through our own maintenance of the data. It can be a little bit spotty what information is pulled in because the information on provider coverage or drug quoting costs depend on it being available in Sunfire, but there are certain attributes about the plan that are more static, like in network move, premium, that can be compared against other plans. So whenever we do have information, we will show that current plan in that list and badge it as the current plan for you to pull into that comparison against potentially new options that person might be considering. I guess the to take that one home, it's just that sometimes the, information is not as complete if that available on Sunfire. Please speak again to how plan fit might compare to their existing plan if the current plan is the right fit. Will it show that or always shown an alternative? So it is possible for the current plan to win on the axes or dimensions that we measure for. If that happens, it would be shown in that compare view and would be badged as the current plan. So it really just depends on the market and, the information entered for the contact if their current plan is shown in that short list. But that is definitely a situation and a case that can happen. So we won't always show an alternative. You will always expect to see, it shown within the shortlist which would mean that there would be other options shown but it is possible for the current plan to make the shortlist. If we're using this system, is there still a way to pull up the original Sunfire? Great question. I'll actually show this. I didn't show this in the demo. Andrew, if you wanna pull that question down, I will share my screen one more time. So, here is kind of that section we talked about that will pull up, the PlanFit experience, but for MedSup, we still have this option here to quote with Sunfire. If I were to select open Sunfire, that's gonna take me to the same experience that you guys have today. So, that's obviously, we've talked about how that's important to MedSup. Maybe, you know, you're going through PlanFit and there's something you want to double check-in Sunfire, you can still get to Sunfire from the contact and this is the same kind of launch flow that existed previously. Some leads are added manually and skip the beneficiary lookup that pulls in a lot of data. Will the plan fit tool still work? Yes absolutely. So the requirement of running a beneficiary lookup is, it's not a requirement to using the plan fit tool. One of the important things that we talked about in the slides, though, is making sure that the information that you have for the contact is robust. The needs assessment and the documentation of that client's providers, prescriptions, pharmacies, their Medicaid status, their LIS status are all really important to making sure that the tool, is surfacing the best plans that fit that client's needs. And, so it's just important that, I guess, the reason the beneficiary lookup comes up in this conversation is it can be a way to helping pull in some of that information. But, ultimately, you can collect that information through other means. It's just making sure that you have the most up to date information on the client to make sure, we're surfacing plans that make the most sense to kind of further highlight that. Ultimately, the only requirement to starting to receive plan, suggestions or that plan shortlist is that a ZIP code be entered. We need to know what geo you want us to look across. And then, you can start kind of seeing the plans that plan shortlist. As you continue to enter information about the contact, that would then refine what plans are shown. But to start shopping you really only need a zip code. Is there a way to pull provider information more accurately? The in or out of network information pulled from Sunfire is often incorrect. I'm often having to verify each provider through the carrier's individual website using their address, and facility information. Yeah. So this is definitely something that has been heard. It's known limitation in this industry. The provider coverage data is something that, we did a lot of research and investigation with different vendors to see if there were there were opportunities for higher quality data. Ultimately, this information in this industry is super messy, and no one is doing it super well. And so this is something that I'm sure you all know CMS is looking to kind of better standardize to make sure that this information can be more easily accessible. But, unfortunately, it's also constantly changing. It's not something that's locked in year over year, and that kind of complicates, the work you all have to do. We are doing our best to surface the information that we know, based on the information coming from Sunfire. As you pointed out, that often can be out of date or it doesn't fully, encompass what is known if you go to the specific carrier site or reach out to the facility specifically. Unfortunately, this, feature doesn't necessarily improve that or make that meaningfully better, but we are, doing our best to make sure that we continue to push on those fronts to see what we can do for you all on that. Definitely heard it's something that came up often as a part of research and development of this feature. So, right now, we're basically expecting to see the same quality of data that you see in the Sunfire experience, which can mean in certain geos, you all know which ones are important to double check or we talked about the medical group case. There's kind of further verification that be that can be important. We're running short on time, so this is gonna be the last question, but we will make sure that anything that hasn't gotten answered, we'll follow-up with everybody, in over email if that's Awesome. This is a great teaser to end on. Are there future plans to include ancillary plans in plan fit? Yes. We talked about wanting to include a more comprehensive suite, making sure that this can be a very streamlined experience. So this is absolutely something that we're interested in doing and wanna have on our road map. So we'll continue to keep you all posted on progress there. And as I mentioned, this kind of represents our first step into this kind of quoting and shopping flow. There's, you know, a lot of work that's been done to get to this point but a lot of the questions that you guys have been mentioning are also super valid areas where this can be improved and I'm super excited to kind of get some of you going through this flow so that we can kind of hear, how to improve it and make it better for you all. So with that, we're gonna hammer home next steps. We showed in the demo, and as we talked about, there's that right hand panel in the docs. You guys can all enable this today. This is something that's live in your platform. So if you go to settings, beta features, and select enable plan fit, you all can see the experience that I showed today. Apologies that my demo didn't show kind of the end parts of that, but you all would see the complete flow in your experience. We do have a help center article that's live. So that'll be that's also linked in the docs. But if you navigate to our help center, you can get there as well. Just search plan fit. And that'll go through a lot of the content that we went through today, kinda talk through functionality. I know Andrea mentioned it at the beginning of the call, but we are also going to make sure that this webinar is accessible to you all as a resource, so you can watch this back and walk through, this information again moving forward. Here's the help center link if this is something that, you guys want to go check out today. We would love for you guys to all, get this enabled for any feedback that comes up as you guys are going through this experience. You'll still use the same channels you use today to reach out to our teams So you have access to kind of the chatbot in platform in the right hand corner. You can reach out to our teams, and I'll make sure it gets funneled to our product team and tech teams to make sure that we improve this experience. But super excited to have you guys all here, and listening today. I appreciate you guys taking the time, and we're excited for you guys to all try it out. Thank you again.