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Application Draft for 2013
- Thread starter pahealthquotes
- Start date
.Want Obamacare? Here's the 21-page draft application.
Role for agent envisioned. Read the comments on the article. They are right that it's only 21 pages if you have 6 members in your family
Role for agent envisioned. Read the comments on the article. They are right that it's only 21 pages if you have 6 members in your family
It's actually not the health insurance application. This is the form you have to fill out to tell the government who you are and to find out if you are eligible for a subsidy. I haven't seen the health insurance applications yet. This is the government making things easier!
Even Kaiser made a cartoon making a funny of the app:
Political Cartoon: 'Bad Form?' By Lisa Benson - Kaiser Health News
Political Cartoon: 'Bad Form?' By Lisa Benson - Kaiser Health News
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How do you envision how running quotes will go? Run them without the subsidies and then let the client figure it out?
Am I correct in the assumption that the app and subsidies will be two separate processes?
"Do you use tobacco and how much money did you make last year?"
Am I correct in the assumption that the app and subsidies will be two separate processes?
"Do you use tobacco and how much money did you make last year?"
I have an idea how im gonna do it but not sure it is legal... will have to check...
I speak with client inform them we first have to do the govt app and I will kick them over to the "subsidy' person and I will hire someone for the heavy enrollment season. their job will be to do the subsidy apps... all 21 pages.... I assume the computer system will fire off an answer on the spot(within reason) with something like you are a tier 88... meaning 88% of premium is your nickel or something like that.....
once the subsidy manager is finished I will then take over the process and quote a plan based on finding their doctor or drugs in the plan and quote it... I feel the medical application will only be about 4 pages with only 2 pages having any writing on them... like MAPD apps.....
I was thinking about paying the person 48 bucks per completed subsidy application for a family 24 bucks for single people....
keep in mind this is just something im thinking about
I speak with client inform them we first have to do the govt app and I will kick them over to the "subsidy' person and I will hire someone for the heavy enrollment season. their job will be to do the subsidy apps... all 21 pages.... I assume the computer system will fire off an answer on the spot(within reason) with something like you are a tier 88... meaning 88% of premium is your nickel or something like that.....
once the subsidy manager is finished I will then take over the process and quote a plan based on finding their doctor or drugs in the plan and quote it... I feel the medical application will only be about 4 pages with only 2 pages having any writing on them... like MAPD apps.....
I was thinking about paying the person 48 bucks per completed subsidy application for a family 24 bucks for single people....
keep in mind this is just something im thinking about
Someone will come out with a subsidy calculator. My husband (an accountant) no longer prepares taxes using a pencil & calculator like the old days. He uses software, and he can play with the data to see which way is best for the client to go when filing taxes. The same thing will happen in this market. We will probably purchase a subscription (like we do now with Quotit or Norvax), enter info, and produce a result.
Subsidy re-calculation will have to be done EACH year, if paying $48 and your break even point is 4 months, it would be tough to survive. Maybe we can charge a fee for the subsidy calc, and then a commission on the sale of the policy. Two separate processes, and laws for each step.
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Jeez...this whole thing raises so many questions.
Subsidies will solely be based on the last filed tax return. Or will it be like Medicaid with an every month look? What happens if someone loses their job mid year or gets some kind of windfall? They would be stuck until the next "AEP" (or whatever incarnation takes shape).
Subsidies will solely be based on the last filed tax return. Or will it be like Medicaid with an every month look? What happens if someone loses their job mid year or gets some kind of windfall? They would be stuck until the next "AEP" (or whatever incarnation takes shape).
