Can Marketplace Health Insurance Terminate for Not Sending In Documents?

Marketplace told my business partner that losing the subsidy would allow them to re-enroll in a subsidy plan provided they go back thru marketplace. They guy said to use the existing account and report as a life change (losing coverage). The eligibility notice even says they get a new 60 day period to re-enroll.

Interesting, so basically they lose coverage and then regain it with no lapse if they re-enroll, at which time the documentation cycle no doubt starts all over again.

Lose it again for not supplying documents? Re-enroll with another SEP. Each time they take away the subsidy, just re-enroll.

Then, of course, when the consumer files taxes it all gets straightened out.

Nice way to create jobs doing great work, keep it up, you idiots...
 
The son of a client is on his own and we took him off his parent's plan and on his own subsidized CSR plan.

The Marketplace asks for income verification so I ask the son to send it to me so I can upload-he apparently just sent in something on his own and bypassed me.

The Marketplace then reviews the info, cancels his plan, and issues the same plan without a CSR and a lower subsidy.

There is no way the kid earns enough money for this to happen but since I don't have the income info there isn't anything I can do. It's likely he sent in a paystub without explanation and the Marketplace multiplied the amount by whatever they wanted and came up with a new income number.

Just another example of our inept government at work...
 
That wouldn't be legal. It was "The Law" until they rule otherwise. What you're describing is called "Ex post de facto" and that is against the law in this country.

That is not ex post facto, the correct phrase. Ex post facto would be Congress passing a law and making it retroactive, such as criminalizing an act from a date prior to the law's passage. It would be the Supreme Court determining that a law was illegal or improperly applied and returning things to the state they should have been. Further, it is generally only used regarding criminal and not civil matters.

Although, I would expect Congress to pass a law and allow the subsidies that were given to stand.
 
Another client screwed (Ann, this is the lady you referred to me in FL a year ago):

Has 94% Assurant $500 then 100% for $183/mo for family of 2 in FL.

Seeking major medical treatment, and hit deductible in Jan.

Client uploads clear income documents with a cover letter explaining how she projects 16k for family of 2

Client gets email from Assurant saying she's been approved with new policy number. She lost entire $250/mo subsidy, lost her 94% plan, now has $3500 ded, and I'm not listed as the agent on new Assurant policy for some reason (Orginal Sherpa App), and they are no longer paying on "new" policies.

Now it's April 2nd, with no way to fix it and get paid.

I'm getting 1 of these a day right now. And it's happening to my late nov enroll clients. Lots more clients to go who had to send in docs.
 
This is getting very ugly, I hope that some consumers make noise or we will never get it fixed.

Not to mention what this does to an agent's credibility.
 
Another client screwed (Ann, this is the lady you referred to me in FL a year ago):

Has 94% Assurant $500 then 100% for $183/mo for family of 2 in FL.

Seeking major medical treatment, and hit deductible in Jan.

Client uploads clear income documents with a cover letter explaining how she projects 16k for family of 2

Client gets email from Assurant saying she's been approved with new policy number. She lost entire $250/mo subsidy, lost her 94% plan, now has $3500 ded, and I'm not listed as the agent on new Assurant policy for some reason (Orginal Sherpa App), and they are no longer paying on "new" policies.

Now it's April 2nd, with no way to fix it and get paid.

I'm getting 1 of these a day right now. And it's happening to my late nov enroll clients. Lots more clients to go who had to send in docs.

Stop your whining, don't you know that you should have seen the handwriting on the wall 5 years ago and given up all of the money you've made since then? :nah::twitchy::D
 
Another client screwed (Ann, this is the lady you referred to me in FL a year ago):

Has 94% Assurant $500 then 100% for $183/mo for family of 2 in FL.

Seeking major medical treatment, and hit deductible in Jan.

Client uploads clear income documents with a cover letter explaining how she projects 16k for family of 2

Client gets email from Assurant saying she's been approved with new policy number. She lost entire $250/mo subsidy, lost her 94% plan, now has $3500 ded, and I'm not listed as the agent on new Assurant policy for some reason (Orginal Sherpa App), and they are no longer paying on "new" policies.

Now it's April 2nd, with no way to fix it and get paid.

I'm getting 1 of these a day right now. And it's happening to my late nov enroll clients. Lots more clients to go who had to send in docs.

This has to stop: appeals? We need to find out what the answer is.
 
The carrier's don't seem to care as long as they are collecting premium's from someone. I would think after I spent an hour and half last night reading comments mostly post aca and some pre aca on ripoff reports and another website I searched for "Blue Cross and Blue Shield of Fl lawsuits" that someone at these corporate offices would get it together. I just can't fathom the crappy customer service policy holder's are receiving when dealing with corporate offices and some agents especially here in Florida.

Most of the problem's with these people could have been resolved if someone would have given a ****.

I have found any of my clients who were booted and then re enrolled that somehow the system keeps singling them out and it repeats the same sequence in a month or so with them being kicked again or a spouse on the same policy.
 
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