Agents Vs. Navigators & MLR
- Thread starter Yagents
- Start date
- 5,058
Bill just tell me where I can apply, free guberment cheese and peanut butter right?
- Thread starter
- #3
- 15,041
The consumer protection groups weren't certain that anyone involved in soliciting insurance should be licensed...
How can you call yourself a consumer protection group if you want to weaken existing standards?
How can you call yourself a consumer protection group if you want to weaken existing standards?
- 8,707
I wouldn't hold out to much hope on the License issue...All they need to do is have a special limited authority license ie Health Navigator license that pertains to just the same of Health Insurance via a state exchange and get the testing requirement removed viola now the navigators are licensed.
- 8,448
Illinois has received its final recommendations for the "Navigator" program that goes into effect in Sept 2013.
This 53 page report/recommendation/plan is hilarious..
http://www2.illinois.gov/gov/health... Implementation/IL Navigator Final Report.pdf
On the one hand, Navigators can't be individuals, or existing agents/brokers. They must be organizations who will hire and train (lots of training and certification!) employees to be the Navigation "experts".
On the one hand, these "experts" should be compensated well, but not as well as independent agents are.. (No whopping 10% commission!)
Finally, they conclude that the State of Illinois is B-R-O-K-E, therefore the source of funding for the Navigator program must be secured in some creative fashion, because Obamacare prohibits using ACA funds for Navigator compensation.
It seems to me that The Illinois Exchange will be up and running with no Navigators to facilitate enrollment. The PCIP here has suffered the same fate because there was no money to pay anyone for reaching out and enrolling.
-AC
This 53 page report/recommendation/plan is hilarious..
http://www2.illinois.gov/gov/health... Implementation/IL Navigator Final Report.pdf
On the one hand, Navigators can't be individuals, or existing agents/brokers. They must be organizations who will hire and train (lots of training and certification!) employees to be the Navigation "experts".
On the one hand, these "experts" should be compensated well, but not as well as independent agents are.. (No whopping 10% commission!)
Finally, they conclude that the State of Illinois is B-R-O-K-E, therefore the source of funding for the Navigator program must be secured in some creative fashion, because Obamacare prohibits using ACA funds for Navigator compensation.
It seems to me that The Illinois Exchange will be up and running with no Navigators to facilitate enrollment. The PCIP here has suffered the same fate because there was no money to pay anyone for reaching out and enrolling.
-AC
- 1,896
Illinois has received its final recommendations for the "Navigator" program that goes into effect in Sept 2013.
This 53 page report/recommendation/plan is hilarious..
http://www2.illinois.gov/gov/health... Implementation/IL Navigator Final Report.pdf
On the one hand, Navigators can't be individuals, or existing agents/brokers. They must be organizations who will hire and train (lots of training and certification!) employees to be the Navigation "experts".
On the one hand, these "experts" should be compensated well, but not as well as independent agents are.. (No whopping 10% commission!)
Finally, they conclude that the State of Illinois is B-R-O-K-E, therefore the source of funding for the Navigator program must be secured in some creative fashion, because Obamacare prohibits using ACA funds for Navigator compensation.
It seems to me that The Illinois Exchange will be up and running with no Navigators to facilitate enrollment. The PCIP here has suffered the same fate because there was no money to pay anyone for reaching out and enrolling.
So, unless I'm mistaken, IL is admitting they need agents? Interesting .... I had assumed they would go broke trying to pay navigators to keep agents away from their commissions. Maybe the state is growing a brain, slowly but surely.
- 1,255
Maybe Illinois could say they are going to pay agents and then at the last minute delay, delay and never pay. Most people could care less if some insurance agent never gets paid.
- 8,448
Stuy119,
Unfortunately, the 53 page report comes from a private firm hired to give recommendations to the state.
As with most studies conducted by consulting firms, this one lays out recommendations, but it will be the stingy-broke State of Illinois bureaucrats who make the final decision.
However, on page "iv", the report says that anyone compensated as a licensed producer cannot participate in the Navigator grant. Is that the same thing as prohibiting agent participation? Could be.
The one overriding consistent theme throughout the report is that Navigator compensation will be contingent upon the ability of the State to generate income to pay the Navigators. It seems that Washington sends money to build and Administer the Exchange, but prohibits use of that money to pay the Navigators. Goofy eh?
-ac
- 244
From what I have read to date, navigators will not be allowed to sell plans outside the exchange, and they really will not be selling in as much as providing guidance. To become a Navigator, individuals must be associated with a non-profit or other similar entity, apply for as an entity and be approve for a grant, and the amount of money to be paid to navigators to paraphrase is not enough that it should be expected to derive a sustainable income from. My take from everything Ive seen so far is to equate the navigator role to that of a state SHIBA volunteer. I believe I also read somewhere navigators may not be licensed. I dont see this as a threat to an agent or broker participating in the process, but please by all means if anyone has 2 cents to add here please do.
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