Can Marketplace Health Insurance Terminate for Not Sending In Documents?

[FLM2]

It should work, as there's no wage inflation in O's economy.

At the end of the day it doesn't matter since there is a reconciliation at tax filing time.

I don't think I will have many issues with clients not wanting to use that income as the basis for their subsidy when I tell them that anything else puts them in harms way, aka Marketplace review of documents.

 

[Sherota1]

One agent writes about the problems we are all seeing.

Ron Bliss: Flaws in the Affordable Care Act marketplace | NevadaAppeal.com

I guess it is true.......if Kaiser finally reports on it.

Paperwork Inconsistencies Causing Thousands To Lose Obamacare Subsidies | Kaiser Health News

The paperwork processing problem, however, persists.

This is an old post that came to mind during a conversation with a CSR. They said that all documents that come into the Marketplace that do not have the name, date of birth, state, SSN and application ID on every single page is directed to be sent automatically to the shredder without being reviewed. I'm not sure how true this is but it could explain a lot.

I told her that's criminal since the eligibility letter does not state that a person needs to include all of that information. She said there is no way of knowing who all of the documents belong to if it does not contain all of this information on each page. I told her if you open the letter and all of the pages were in the same envelope could they just enter the data in the system find the consumer and credit their account. Simple data entry since all you need is a name and date of birth to look up a consumer on Healthcare.gov.which could be done on a case by case bases. SOOO LAZZZY! This came up during a conversation about another subject. Could have been a slip of the tongue when they went off script.

Obviously I wasn't the only person told this:
http://www.herbertinsuranceagency.c...macare-terminations-due-to-missing-documents/

http://myhealthinsurancespecialists...ow-do-i-send-in-documents-to-the-marketplace/

Poor people who did not have agent to tell them this. Poor people who never will have one. So much for transparency.

 

[RayNY]

Wow, that's a new low. It does, however, explain a lot of the issues we've seen.

I guess the answer for all those people who submitted proof a half dozen times and were still rejected is to just write the info on top of every page.

 

[FLM2]

This is an old post that came to mind during a conversation with a CSR. They said that all documents that come into the Marketplace that do not have the name, date of birth, state, SSN and application ID on every single page is directed to be sent automatically to the shredder without being reviewed. I'm not sure how true this is but it could explain a lot.

I told her that's criminal since the eligibility letter does not state that a person needs to include all of that information. She said there is no way of knowing who all of the documents belong to if it does not contain all of this information on each page. I told her if you open the letter and all of the pages were in the same envelope could they just enter the data in the system find the consumer and credit their account. Simple data entry since all you need is a name and date of birth to look up a consumer on Healthcare.gov.which could be done on a case by case bases. SOOO LAZZZY! This came up during a conversation about another subject. Could have been a slip of the tongue when they went off script.

Obviously I wasn't the only person told this:
Marketplace*Healthcare.gov*Obamacare terminations due to missing documents | Herbert Insurance Agency

Question # 44 How do I send in Documents to the Marketplace? | My Health Insurance Specialists

Poor people who did not have agent to tell them this. Poor people who never will have one. So much for transparency.

None of this is surprising since incompetence breeds incompetence.

I always tell my clients to send me the documents so I can upload them (most times without that all of the information on each page), those who do always keep their coverage, those who don't always run the risk of losing it.

The whole system is a fustercluck designed by people who could not care less about people keeping their coverage, I don't know how they sleep at night.

 

[TN_agent]

Have you guys ever heard of a retroactive subsidy termination?

I have a guy who got a March 1 start date. Previous years he didn't have coverage (either was exempt for low income or paid the fine). He got on part-time (29 hours) at a place making
$13,000 we estimated in January. They give subsidy to where it is $98 a month. They ask for proof of income. He bypasses me and sends it himself.

He faithfully pays the $98 a month in the meanwhile.

Meanwhile he is brought on full-time at his work maybe in late April and given work coverage starting June 1st. He calls me like June 10th saying he doesn't need the hc.gov coverage, I terminated through back-door hc.gov, but as you know for some stupid reason that takes two weeks (ridiculous).

Now he says he got a letter saying that they have terminated his subsidy because he never sent his docs in and he owes the carrier the full $500 for March, April, May and June? This guy is a US citizen, his income is maybe going to be $5,000 more than what we estimated.

Have you run across them doing this retroactively? I wasn't aware that they did that, is this something new? He was legitimately eligible for that subsidy those three of four months, sent in proof. I understand they claim they never got it, but shouldn't they just let him settle it on his taxes rather than trying to reclaim it now?

He is coming in this week and bringing the letter they sent so I can read it myself. He also recently got an email from hc.gov saying he hadn't paid his first month's premium yet (on June 15th of all dates). I am not sure what to do for this guy.