Article - "Agents Fight for Their Future"

[Yagents]

I disagree with the commodization view. An Aetna platinum plan will be different than a Humana platinum plan. While each are required to have 90% actuarial value, each will have a different benefit make-up left up to the insurance company. Much like the 80% MLR, HHS doesn't care how they meet it, just as long as they do.

If this true, our value will be determining which plan, and which company will treat that 50 yr male, 250 pound diabetic, on lipitor, with back problems. You may end up choosing the plan with more Rx benefits, and less mental health benefits.

Every person is made differently, and each plan will treat them differently.

 

[YouGotMyMoney]

The number "37" only shows up once in that article:

Janet Trautwein, executive vice president and CEO of the National Association of Health Underwriters, the main brokers' trade group, says that while she worries about their "ability to make a living" if insurers cut commissions, she is optimistic that they will continue to be paid to sell insurance both inside and outside of the exchanges.

Trautwein points to the state of Utah, which created a health insurance exchange in 2009, as a possible model. The exchange pays brokers a flat fee of $37 per month for each individual they help enroll.

Referring to the Utah health exchange created in 2009.

 

[HealthGuy]

YAgent: Maybe Obama can pay 15,000 navigators $10 per hour to help 30 mil people sign up? Let him figure it out. He is the smartest Prez ever isn't he?

 

[insurehound]

I like the comments which demonize us as the bad guy. Yeah, our commissions are really what drive up costs and of course, we offer no value.

 

[stuy119]

I like the comments which demonize us as the bad guy. Yeah, our commissions are really what drive up costs and of course, we offer no value.

I really want to ask one of the people complaining about agents/brokers to explain how an Out-of-Pocket max works to me without making a mistake, then telling me that I'm overpaid for being able to explain their potential exposure prior to purchasing the policy.

 

[Winter_123]

Some of the comments about the NPR interview are rather pithy.

Didn't see anyone talk about how there could be more money for health care in this country if we werent funding welfare organizations like NPR. Not saying there is any love out there for brokers because there isnt. However, dont expect people who expect their news source to be on the public tit to be big on anything private sector.

 

[pahealthquotes]

one thing I'm hoping for is that Carriers will offer alternative plans to the ones the Gubment is requiring them offer. I believe this would help our stance because the consumer would want to know all of his/her options. Whats available to me outside the exchange??? should be interesting to see how the Carriers react.

 

[TXINSURANCE]

$37/mo is HUGE.

Consider Aetna at 4%. A $200/mo plan pays $8/mo.

Even at 10% you get $20/mo.

$37/mo is very high compared to most post reform offers.

 

[somarco]

$444 a year to sell "free/subsidized health plans"?

I'm skeptical.

Well, how about those $0 premium MA plans? Not to be confused with $0 premium life insurance . . .

 

[YouGotMyMoney]

Well, how about those $0 premium MA plans? Not to be confused with $0 premium life insurance . . .

Sounds good to me.

You got to dumb and blind to purchase a med supp down here.