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I have a question for Kenny. When the application fee is charged? When the application is submitted to Marketplace or to an insurance company? I'm asking because I wouldn't like to pay the fee if e.g. my website visitor is found eligible for Medicaid and doesn't choose a plan without subsidy. In this case I'd earn $0 but still would have to pay you the application fee.
 
I was told I could complete an app front to back 10-15 minutes, true or no? Are we going to have to tell clients to create a HC.gov account to complete app? Where will the client pay the first premium?

To your questoins..

True, 10 minutes or so.

Using a CMS certified WBE, which we are, on the Agent Facing Site (i.e. agent is doing the enrollment) the account creation is skipped and streamlined beyond that as well. Make sure whatever WBE you use that they are fully compliant with the law and regulations for WBE's. It is REQUIRED by CMS regulations that there is a redirect to hc.gov for certain aspects for example.

SOME carriers are providing ability to submit payment at the time the applications is submitted.
 
I don't think that answers his main question of, "When the (your) application fee is charged? When the application is submitted to Marketplace or to an insurance company"?
 
I don't think that answers his main question of, "When the (your) application fee is charged? When the application is submitted to Marketplace or to an insurance company"?

He was replying to southern comfort's question. He will probably answer pancur's sometime today.
 
I don't think that answers his main question of, "When the (your) application fee is charged? When the application is submitted to Marketplace or to an insurance company"?

I was just about to answer that one...

on the Standard implementation, the transaction fee is charged when the application is completed and submitted through our platform to CMS. The transaction fee is a flat $20, which is 20% lower than our competitors.

For the Professional implementation, the transaction fee is charged at the end of the billing cycle monthly for applications completed and submitted through our platform to CMS. Billing cycles are 11-15-2014 through 12-14-2014 and are charged within 7 days of the end of the cycle. The reason for not charging at time of submission with the Pro plan is the number of applications submitted determines the per application transaction fee. On the HIGH side it is only $12.50 and with even medium production can reduce dramatically. In fact, if have enough applications submitted in conjunction with our proprietary ACA Supplement plan the transaction fees can be ZERO!
 
I was just about to answer that one...

on the Standard implementation, the transaction fee is charged when the application is completed and submitted through our platform to CMS. The transaction fee is a flat $20, which is 20% lower than our competitors.

For the Professional implementation, the transaction fee is charged at the end of the billing cycle monthly for applications completed and submitted through our platform to CMS. Billing cycles are 11-15-2014 through 12-14-2014 and are charged within 7 days of the end of the cycle. The reason for not charging at time of submission with the Pro plan is the number of applications submitted determines the per application transaction fee. On the HIGH side it is only $12.50 and with even medium production can reduce dramatically. In fact, if have enough applications submitted in conjunction with our proprietary ACA Supplement plan the transaction fees can be ZERO!

Let me ask you like this I don't think you answered the right question.

Person goes in and applies..income is to low...no subsidy...system kicks them to medicaid....they do not select a plan...Are we charged for this?
 
Let me ask you like this I don't think you answered the right question.

Person goes in and applies..income is to low...no subsidy...system kicks them to medicaid....they do not select a plan...Are we charged for this?

No, that would not be considered a submission and no fee would be charged.
 
Any way to know which carriers are allowing consumers to complete payment at the time of application?
 
Any way to know which carriers are allowing consumers to complete payment at the time of application?

ah hell no these WBE are giving lame excuses of 80% of all carriers allow it and if HC.Gov allows they will.... 80% my arse as BCBS if TX controlled 80% of all biz in texas and did not allow and my rep from bcbs has not responded to my question which means they probably wont allow again..... WBE's and carriers all full of BS
 
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