AOR Question

[vic120]

She would just call and cancel the pending enrollment, you can't enroll someone into a plan they're currently a member of.

She could but does she have too

The reason I do the new app with my won clients because things did not go when I had one do that

It would not show in portal then we were told it is on there end, and will show
but kept having to call in not showing
till AEP was over and they did not have plan

But I am confused why I am aruging about this, It is stragne to me this is even being debated, I only thought it could be maybe they connect it to previous agent and I was not sure of that

But declined by duplicate?

My question to you is WHY are you saying it will be declined as a duplicated?

Has something changed?

What are you going on?

 

[straightnochaser]

She could but does she have too

The reason I do the new app with my won clients because things did not go when I had one do that

It would not show in portal then we were told it is on there end, and will show
but kept having to call in not showing
till AEP was over and they did not have plan

But I am confused why I am aruging about this, It is stragne to me this is even being debated, I only thought it could be maybe they connect it to previous agent and I was not sure of that

But declined by duplicate?

My question to you is WHY are you saying it will be declined as a duplicated?

Has something changed?

What are you going on?

I am going on my experience of seeing applications be declined as duplicate.. I mean think about it, if we could enroll someone on plans they're already on then you'd be losing clients left and right.

I'm not trying to argue with you, I am just explaining my experience at our agency. If you submit an app for a plan someone is already on it will be declined. Go ahead and give it a try, much easier to call in and cancel pending enrollment, takes all of ten minutes.

 

[vic120]

I am going on my experience of seeing applications be declined as duplicate.. I mean think about it, if we could enroll someone on plans they're already on then you'd be losing clients left and right.

I'm not trying to argue with you, I am just explaining my experience at our agency. If you submit an app for a plan someone is already on it will be declined. Go ahead and give it a try, much easier to call in and cancel pending enrollment, takes all of ten minutes.

I dont know about think about it I have done it with my own clients

You would be making sense if they were just on the plan and a new app just came in out of nowhere

But this not the case I don't know if you understand because you keep using the words on the plan already

they were enrolled into a different plan this AEP and got term letter from the current insurance

 

[Fisher]

But someone enrolled her into Wellcare is the point

so she was being termed from the plan

Here's where you're getting sideways, Vic--

She was never actually enrolled in the Wellcare plan as the actual enrollment date is in the future.

Therefore, she was never actually termed from the existing Cigna plan and so you can't rewrite her onto a plan that she is still on.

 

[vic120]

Here's where you're getting sideways, Vic--

She was never actually enrolled in the Wellcare plan as the actual enrollment date is in the future.

Therefore, she was never actually termed from the existing Cigna plan and so you can't rewrite her onto a plan that she is still on.

ok but why was I able to do that before?

 

[DonP]

ok but why was I able to do that before?

Vic you were able to do that with your plan because you were the orginal Aor . It reverted back to you . The other agent writing the wellcare never " officially terminated " the cigna as it wasn't in force yet . That said I have seen what your saying work on very rare occasions . If that happens and the agent sees it and argues it the carrier will reinstate the orginal aor agent before aep started . Another thing that works during aep . You run into client that wants you as there agent . They bought Aet 342 . It's the best plan . You can cancel aet 342 app and rewrite a few days later your the aor . That's last app in doctrine . You do that any other time of yr and the app reverts back to orginal agent. It's vicious out there . A client called me yesterday . Uses a small local pharmacy . An agent called them saying " the pharmacy owner wanted me to call you ". Pharmacy owner probably getting kick back . I've always said . Medicare sales the most competitive and cutthroat insurance sales on planet .

 

[Chazm]

What is OG? Are u referring to the original plan?

Original Gangster

 

[vic120]

Well we will never know
It was a paper app
it was Cigna a which became noncommunicable before I got signatures back anyway

 

[Renee2025]

Just reading this. So I get what the person is saying about the carriers labeling the app as a " duplicate" Humana are the kings of doing that bull crap. If you basically rewrite the plan during AEP it will kickback because she is officially still with Cigna until the end of the year 12/31 so if you put her back in the same exact plan it's going to look like she never left. The only way it would work is to find a better Cigna plan and you will be the AOR for the new"different plan"