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Rates, AI, billing & team

Rates — what drives “commission owed”

The Rates page is where you tell CommissionSight what each carrier is contracted to pay you — the figure your actual payments are measured against to compute Commission owed.

You see owed on day one — as an estimate

You don’t have to enter a rate before you see anything. When you process a carrier’s first statement, CommissionSight auto-estimates a starting rate from that statement’s own data (the typical % of premium, or a flat per-member amount when the statement doesn’t report premium) so Commission owed isn’t $0 out of the gate. That figure is clearly flagged as an estimate:

  • the dashboard shows “Commission owed (estimated)”, and
  • the Rates page shows an amber “Estimate” badge on the auto-seeded rate.

Confirm your real contracted rate to make it exact — editing any rate (even to the same value) clears the estimate flag, and the card reverts to Commission owed (recoverable). An estimate is a starting point, not a contractual figure; always confirm it against your carrier agreement.

Add or edit a rate with:

  • Carrier — which carrier the rate applies to.
  • Plan code (optional) — a per-plan override; leave blank for the carrier’s default rate.
  • Basis:
    • % of premium — evaluated per policy (the policy’s premium × your rate). Needs the statement to include premium.
    • Flat per member — a flat dollar amount per member (the “covered life”). Charged once per member no matter how many policies they hold; one policy covering several members counts once each.
  • Value — the percentage (e.g. 20) or the dollars (e.g. 25).

Existing rates list inline with an editable value box and Save / Remove. Saving or removing a rate re-scores every already-processed period for that carrier, so the dashboard’s owed totals catch up automatically (a notice tells you how many periods are recalculating).

ACA / marketplace comp often varies by state — add one rate per state (leave the state blank for a carrier default; each member is matched to their state from the statement, and the most specific rate — plan + state, then plan, then state, then default — wins). For premium-banded tiers or a first-year-vs-renewal split, use the structured graded major-medical schedule instead of a single rate.

Medicare? Use the structured product-line schedule instead of a single rate: it follows the CMS maximum-compensation table, which varies by state (a national rate plus higher caps for CA, NJ, CT, PA, PR, VI). Leave a row’s Region blank for national or enter a 2-letter state code; each member is matched to their state from the statement. The team can pre-load the published CMS table for you. See Product lines → Rates that vary by state.

The Medicare schedule also has a Base payment cadence setting. Most carriers pay the CMS base as a single lump — leave it on Annual upfront. If your carrier instead pays the base in equal monthly installments, switch it to Monthly so owed compares each month against one installment (otherwise the full annual base is expected every month and owed is overstated). Match it to how the carrier actually pays.

Medicare Supplement / ancillary? These pay a % of premium with policy-year bands, and often differ by state × issue-age (under-65 / 65+). In the ancillary schedule, choose By state / issue-age / product to set a rate matrix (one cell per state/age/product, each with its own policy-year bands); a record that matches no cell is left out of owed rather than mis-scored. Policy year is derived from each policy’s effective date — you don’t enter it.

See Commission owed for the underlying model.

Ask AI

The Ask AI page answers natural-language questions about your book — “How many members did we lose in the latest period?”, “Top 5 carriers by total commission”. Type a question (or pick a suggestion) and send.

  • The answer comes back as plain text, often with a result table (column names humanized, currency formatted).
  • View query reveals the exact SQL CommissionSight ran, so the answer is auditable — never a black box.
  • Large results note “Showing the first N rows.”

The assistant is generally available on every account.

Profile & billing

Reach this from the account menu → Profile & billing. Sections:

Billing contact — your name, company, billing email, phone, and address. Save details keeps them on file for invoicing.

Payment method — add a card or bank account (ACH) via the secure Stripe form. Once saved, the card/bank shows with an on file badge; you can Replace it anytime.

When billing is enabled you’ll also see a next invoice preview: members × per-member price, any processing fee, and the total due — with a nudge that paying by bank (ACH) lowers the fee on large invoices. Billing is metered per member, in arrears, and invoiced at the start of the following month. If billing is on and you haven’t added a payment method, a reminder banner appears on the dashboard.

Team

Manage who can access the account, under Profile & billing → Team:

  • Invite a teammate — enter their email and click Invite. Authentication is passwordless, so there’s nothing to provision: they’re emailed an invitation and sign in with a one-time code (no password to set). Inviting an email already on the account is a no-op; an email that belongs to another account is refused.
  • See the roster — every member is listed with their email and role.
  • Remove a member — the Remove button revokes their access (and active sessions) immediately.

Every invite and removal is recorded in the Activity log below. See the Team API for the same operations over the API/SDK.

Activity log

An append-only record of account actions — uploads, replacements, retractions, raw-file purges, rate changes, team invites/removals, and AI questions — each with who did it (the user’s email, or “API token”), what it affected, and when. It’s the enterprise audit trail, visible right under Profile & billing, for compliance and review. It can’t be edited or deleted.

Draft rates with AI

Setting up rate schedules is the biggest part of onboarding — so the AI can do the first draft from your own paperwork. On the Rates page, under Draft rates with AI, pick the carrier and product line, paste your commission grid or contract rates, and the AI drafts a rate schedule.

  • Nothing goes live until you approve it. The draft is shown for review (rates drive your commission owed figure, so they are never applied automatically). Click Apply rates to make it live, or Discard.
  • All product lines. Major-medical (percent of premium or flat per member), Medicare (CMS rate bands), and ancillary (premium-based schedules).
  • Your key, if you have one. If you’ve added your own AI key under Profile, the draft runs on your provider; otherwise it runs on CommissionSight’s model.