Honest Review - Benefits Advisor OneDigital Employee Review

Where do I start… Short version: You’re only going to make 20$ an hour (1088$ every pay check) Average employee tenure is .9 months (you can fact check me. It’s on LinkedIn, numbers don’t lie) 1,000-3,000 in monthly commission WILL NOT happen (I was top 15 in my cohort and didn’t make that so) You only get 30$ per sale You’re switching old people off of their health insurance plan Your sales have to ‘stick’ for 31 days to get paid. Old people will switch off your plan and you’ll lose that sale. You can only sell from Oct 15 - Dec 7th each year, any other time you cannot. If you get hired during AEP, 5 months until you see a commission check. Yes they track your bathroom breaks Long version: This role only pays 20$ an hour. Ignore 55-75k yearly earnings or 1,000-3,000$ a month. You will NOT make that. Fully in office…in downtown Chicago…unlivable wage. Recruiters were not transparent about the length of time you’d be without commission. If you get hired on during AEP you will go 5 months without commission. Now let me explain the pay structure and what you’re actually doing in this job as it currently stands. You will be hired on and NEED to study and pass two state exams to become an insurance agent. You are selling MEDICARE Advantage plans from 9 different carriers we partner with. You sell these plans to old people. Old people call in, an external agent (lies to the old person) transfers the call to you. The old person is only calling “about that food card” well you then have to switch them off their plan into another plan that offers said “food card”. Here’s the catch, you can only really sell during Oct 15th - Dec 7th of every year (Annual Enrollment Period) ANYTIME NOT in that period you are NOT allowed to switch them off. These are health insurance plans that have a contract with the federal government and you must follow regulations. You are only allowed 10 INBOUND calls a day. Inbound calls are your money makers, you do not make money outbounding (cold calling). Each sale takes at least 50 minutes or more. Things You MUST do to complete the sale. Read LONG disclaimers verbatim, get all the doctors the old person see’s and the medications they take too. You must read the entire layout of the plan you’re putting them on, co-pays, co-insurance, premiums, deductibles, everything. Then A LOT of disclaimers in the application and the old person must say “I Agree” on the phone to complete the sale, if ONE OF THOSE THINGS aren’t checked off the list, can’t do the sale. Old people will hang up right before you hit submit, they’ll hang up in the beginning of the call during disclaimers and you will hear some do the saddest life stories from these old people or they’ll just be awful, rude, and racist. Your manager will simply say “what happened on that call?” “take another one.” Managers make commission off of you. So no room for empathy there. The micro- management. They track your bathroom breaks. You have to go into “personal time” to go to the bathroom, you only get two 15 minute breaks per day. You will get bombarded with messages “go green” meaning to status yourself to immediately take another call, you cannot go over 2 mins without taking a call. You’ll get yelled at if your calls are too short or too long. If you know the call is going no where, still got to work it, can’t let the old person go without pitching something. These Medicare Advantage Plans, suck. They don’t get a lot of money on the “food card” and their deductibles and co-pays sky rocket, and you have to find a way for that to make sense to them. The main carrier that had the best plans was Humana, but Humana pulled their partnership with OneDigital, I wonder why… That’s over half your sales opportunity GONE. You only get paid 30$ of commission for every enrollment that STICKS from Oct until Feb 1st of the next year. Meaning if an old person switches off that plan during Oct-Jan you LOSE THAT COMMISSION. My big AEP commission check was going to be only 529$…for 3 months of sales…It’s not a “skills issue” or “not a good salesmen” I was in the TOP of my cohort, you can’t control if that old person stays on that plan or not, there’s other companies and sales agents that reach out them and take your sale. The commission structure is just volatile. My cohort was very large, 45 people. ALL OF US hated this job. Maybe 3 people liked it, but most of us never stopped looking for something else. Yeah take the job, the job market is tough right now, it’s how they got me. But is ALL THAT I just described worth 20$ an hour to you?