ABO Benefits
provided for
ABO health benefits are available for all Motto Mortgage broker owners and personnel. Review your coverage options to find a plan that fits your needs.
Enrollment will open from the 1st through the 10th of each month*.
Coverage will be effective on the 1st of the following month.
*Initial enrollment period begins October 17th starting at 8am PT through December 10th at 5pm PT with benefits effective January 1, 2022.
Plan Comparison for 2023
Blue Cross Blue Shield
National Network and Plans
Excluding Hawaii
Integrated Dental and Vision plans also with MetLife
Better Plans.More Options.
- Lower Deductible Options
- Lower Co-Insurance
- Out of Network benefits in California
- Lower Co-Insurance costs for out of network benefits
- Lower Out of Pocket Max
- Copay for ER visits
Enhanced Pharmacy Coverage
- Non-restricted and Expanded Drug Formulary
- Specialty Drug Coverage
- Lower Copays
Enrollment will open from the 1st through the 10th of each month*.
Coverage will be effective on the 1st of the following month.
*Initial enrollment period begins October 17th starting at 8am PTthrough December 10th at 5pm PT with benefits effective January 1, 2022.
All plans provide broker owners with nationwide coverage.
Who is Eligible?
Motto Mortgage broker owners and personnel are eligible to participate in the program. Enrollment must be completed by the 10th to have health and ancillary benefits coverage effective the first day of the following month.
Optional Benefit Services & Products
- 3 plan options to choose from, all utilizing one of the nation’s largest network
- 2 Dental Plans:
- $1,500 Max with Orthodontia
- $1,750 Max
- Provided on a guaranteed issue basis:
- Dental Insurance
- Vision Insurance
No waiting periods on any services.
How to Apply
STEP 1
Review the benefits options and video tutorials explaining the program, then find the program that’s right for you. If you have any questions, contact the Benefits Help Desk or the Program Help Desk.
STEP 2
Simply locate the Enroll Now button on the website and access the HIPAA compliant and secure enrollment form. You must use a valid Motto Mortgage email address to enroll.
STEP 3
You will receive an email with an I-9 form and instructions to complete.
This must be completed to finish your enrollment.
STEP 4
You have successfully enrolled.
Welcome to the program and enjoy your new benefits!
How Does the Program Work?
In order for Motto Mortgage broker owners and personnel to participate in this program, you must become an employee of ABO through a staffing agreement.
A portion of the 1099 or all of the W-2 compensation received will be required to be processed through payroll by ABO. Once enrolled into the program, a 1099 participant is required to run a minimum payroll monthly. This minimum payroll will be based on 30 hours per week (or 130 hours per month) at the mandated minimum wage in the area the participant conducts business. In addition, any of the office’s W-2 team members who join this program will become W‐2 employees of ABO through the staffing agreement.
Each participant will process a payroll through ABO the second (2nd) Friday of each month.
Funds will be drawn from the participant’s account by ACH prior to the pay date and will include:
- Payroll and all associated taxes
- The expense of the health and any ancillary benefit plans selected
- Workers’ compensation insurance
- $89 administrative fee per enrolled member per month
Payroll must be processed in order for a Motto Mortgage personnel to participate in the benefits of the program.
ABO will initiate payroll processing for the first designated pay date after the completed enrollment. A detailed invoice will be sent to the Agent at least 5 business days prior to the date that the funds will be withdrawn. Payroll (including payroll‐taxes, benefit costs, workers’ compensation and administrative fees) will be withdrawn directly by ABO via ACH Debit from an account specified in advance by the participant.
You will be invoiced 5 days prior to pay date. Funds will be drawn from your bank account 3 days prior to the pay date. Click here to view the payroll schedule for payroll dates.
FEE FOR INSUFFICIENT FUNDS
A $200 fee will be charged to a 1099 participant for each occurrence of insufficient funds. Two consecutive occurrences in a rolling 12-month period will result in termination from the program.
ProgramTermination
Program participants who either sever their relationship with Motto Mortgage or are terminated from the program are eligible to continue in the program health plan for an additional 18-month period as their termination of employment would be a COBRA qualifying event. In this event, ABO will refer the participant to ABO’s COBRA provider, Dynamic, who will explain the rules regarding continued participation.
Additional Products& Services
Workers’ compensation insurance and any applicable state mandated disability insurance will be provided in accordance with NCCI and state specific rates.
ProgramTermination
Program participants who either sever their relationship with Motto Mortgage or are terminated from the program are eligible to continue in the program health plan for an additional 18-month period as their termination of employment would be a COBRA qualifying event. In this event, ABO will refer the participant to ABO’s COBRA provider, Dynamic, who will explain the rules regarding continued participation.
Additional Products & Services
Workers’ compensation insurance and any applicable state mandated disability insurance will be provided in accordance with NCCI and state specific rates.
TAX & PAYROLL SERVICES
If you have questions regarding tax & payroll services, please contact your program team. If you are a group with W-2 employees who require payroll processing, ABO will establish this service when you are notified of your acceptance.
Get Started
Broker Owners
Enrollment portal is open from the 1st to the 10th of each month, with coverage starting on the 1st of the following month.
Group Personnel
If you have two or more W-2 employees on your team (including yourself), contact us below for more information on the available group program designed to support your entire team.
Broker Owners
Enrollment portal is open from the 1st to the 10th of each month, with coverage starting on the 1st of the following month.
Group Personnel
If you have two or more W-2 employees on your team (including yourself), contact us below for more information on the available group program designed to support your entire team.
Still Have Questions?
Contact us below—we’re here to help!
For questions regarding program details, including payroll:
8:00AM—5:00PM EST | MON—FRI
FOR ALL PROGRAM QUESTIONS, YOU CAN EMAIL mottohealth@abopeo.com