Broker and consultant compensation disclosures

Broker and consultant compensation disclosure 2025

For all individual and family plans under the Patient Protection and Affordable Care Act (PPACA)

In compliance with the Consolidated Appropriations Act of 2021, below is information about the monthly commission payments Capital Blue Cross makes to insurance producers (agents, brokers or consultants) who assist members with purchasing or renewing insurance plans (e.g., assisting with their application, plan selection, or any contract edits). These monthly commission payments are made to the agent and their agency based on the number of covered members on each contract.

These payments are included in monthly premiums and are not an additional cost to you.

PPACA compliant medical plans

Per member per month*
 

Agency

Broker

Total

Renewing Gold, Silver, Bronze, and Catastrophic 
(plans with issue dates prior to 1/1/2025)

$3

$18

$21

New Gold, Silver, Bronze, and Catastrophic 
(plans effective 1/1/2025 or after)

$4

$22

$26

Dental and vision plans

Percent of premium
 

Agency

Broker

Total

Dental PPO Loyalty Plan

2%

10%

12%

Dental PPO Care Plan

2%

10%

12%

Dental PPO Standard Plan

2%

10%

12%

Dental PPO Premium Plan

2%

10%

12%

Dental Select Basic

2%

10%

12%

Dental PPO Preventive Plan

2%

10%

12%

Dental Select Basic

2%

10%

12%

Vision Essential Plan

2%

10%

12%

Additionally, insurance producers (agents, brokers or consultants) may be eligible to earn service fees, consulting fees, finders’ fees, profitability and persistency bonuses, awards, prizes, volume-based incentives, and nonmonetary forms of compensation, if they meet certain thresholds, paid by Capital Blue Cross.

You do not pay this amount.

If you have questions about these commissions, please call your producer (agent or broker).

If you have questions about your plan, call Member Services at the number on the back of your ID card (TTY: 711) or go to CapitalBlueCross.com.

Broker and consultant compensation disclosure 2024

For all individual and family plans under the Patient Protection and Affordable Care Act (PPACA)

In compliance with the Consolidated Appropriations Act of 2021, below is information about the monthly commission payments Capital Blue Cross makes to insurance producers (agents, brokers or consultants) who assist members with purchasing or renewing insurance plans (e.g., assisting with their application, plan selection, or any contract edits). These monthly commission payments are made to the agent and their agency based on the number of covered members on each contract.

These payments are included in monthly premiums and are not an additional cost to you.

PPACA compliant medical plans

Per member per month*
 

Agency

Broker

Total

Renewing Gold, Silver, Bronze, and Catastrophic 
(plans with issue dates prior to 1/1/2024)

$3

$18

$21

New Gold, Silver, Bronze, and Catastrophic 
(plans effective 1/1/2024 or after)

$4

$22

$26

Dental and vision plans

Percent of premium
 

Agency

Broker

Total

Dental PPO Loyalty Plan

2%

10%

12%

Dental PPO Care Plan

2%

10%

12%

Dental PPO Standard Plan

2%

10%

12%

Dental PPO Premium Plan

2%

10%

12%

Dental Select Basic

2%

10%

12%

Vision Essential Plan

2%

10%

12%

Additionally, insurance producers (agents, brokers or consultants) may be eligible to earn service fees, consulting fees, finders’ fees, profitability and persistency bonuses, awards, prizes, volume-based incentives, and nonmonetary forms of compensation, if they meet certain thresholds, paid by Capital Blue Cross.

You do not pay this amount.

If you have questions about these commissions, please call your producer (agent or broker).

If you have questions about your plan, call Member Services at the number on the back of your ID card (TTY: 711) or go to CapitalBlueCross.com.

*Commissions are paid on up to five members per contract.

Important notice for fully insured individual and employer group plans in Pennsylvania: Advertised health insurance policies or programs may not cover all your healthcare expenses. Read your contract or benefit booklet (certificate of coverage) carefully to determine which healthcare services are covered. Questions? Please call 800.962.2242 or the number on the back of your ID card (TTY: 711).

Healthcare benefit programs issued or administered by Capital Blue Cross and/or its subsidiaries, Capital Advantage Insurance Company®, Capital Advantage Assurance Company®, and Keystone Health Plan® Central. Independent licensees of the Blue Cross Blue Shield Association.Communications issued by Capital Blue Cross in its capacity as administrator of programs and provider relations for all companies.

Communications issued by Capital Blue Cross in its capacity as administrator of programs and provider relations for all companies.