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A member over at IHIAA put in some test leads,and he say he got calls from Ehealth.
Concerns with Hometown Quotes
- Thread starter souldeux
- Start date
- 14,808
I put in for a lead 2 weeks ago and got a call from a girl identifying herself as being from Ehealth.
- 3,863
On initial data harvesting they do not even ask for phone number. Other lead companies do not pass through phone numbers either to my knowledge.
You must have requested an application and provided additional data? That is my only thought.
Maybe they started doing courtesy calls when they figured out how few actually complete from start to finish?
You must have requested an application and provided additional data? That is my only thought.
Maybe they started doing courtesy calls when they figured out how few actually complete from start to finish?
Sounds like HTQ's has some really, really nice people... You guys give some great endorsements.
But why do their leads suck so bad...? (actually I don't know if they do or not, I couldn't get past some of the inflexibility and lack of filtering, all things that I did not like about their life ins leads.) So hence, I am NOT a customer.
But they have some super nice people, from the sound of it.
Really? What filter do we not have? I thought we had too many filters if there was such a thing. Please let me know if we need to add something. Not saying we can do it and I am not asking you to try us if we do add it...just trying to learn.
Hmm...alright. I am willing to admit that maybe we got some bad info. I am a P & C guy (or at least I used to be) so please educate me. It was my understanding that Health Insurance is not like Auto Insurance where one uninsurable person taints the whole house. I have been told that you can write a Major Medical policy on individual regardless of the medical condition of their spouse (or other member of the HH). Please chime in if this isn't right. If it is only right part of the time explain that to me too. I don't know what I don't know. When we made this change I thought it was a win, win, win. Agents get more leads where they can REALLY help the consumer (by educating them and showing them their options), the consumer gets an agent that can explain how things work and we lower the amount of leads we had a hard time monetizing due to one person having a med condition.
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Hunter...As an example...Let's say you have two drivers with Allstate. One is clean. One has 6 tickets. As agents, we can't tell them that we'll take the husband but the wife has to stay put.
Same with health insurance. If one person is uninsurable, in many cases, you can't expect the client to change half of their policy and leave the other half alone.
Also...most other lead companies (at least the ones I work with) don't question me if one person is uninsurable and the other four family members are clean.
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Same with health insurance. If one person is uninsurable, in many cases, you can't expect the client to change half of their policy and leave the other half alone.
Also...most other lead companies (at least the ones I work with) don't question me if one person is uninsurable and the other four family members are clean.
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- 5,058
Hunter it is technically possible to write let's say the healthly wife when the husband is uninsurable.
Sometimes the unhealthy one get's insulted when you tell them they do not qualify for coverage, and blow the whole deal out.
Sometimes the unhealthy one get's insulted when you tell them they do not qualify for coverage, and blow the whole deal out.
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Hunter-
Your form asks the question about medical conditions the standard way:
" Has ANY applicant been diagnosed with or been treated for any of these medical conditions? (check all that apply)"
A box with the medical conditions follows. Because the question does not break the applicants up into separate groups, but rather groups the entire family as a whole, you can't know if it is only one member, or who that one member is, that had the health condition that was checked in the box.
It seems like another question (or separate set of questions) would need to be asked and I don't see that on the form anywhere. Maybe what you should do is have a set of medical conditions for each family member. That way you will know exactly who has those conditions and you could steer that family to an agent that can provide assistance with those cases. It will take a special agent to handle complex cases like that. Further, not all states will follow the same regulations and that effects the options the agent can offer. Until then, you might want to switch back to the way you had it prior. I can't say that any lead provider has ever made it work. Most of the time, the family want's to get uniform coverage even if they aren't required to do so. No one likes to exclude a family member.
Glad to see you in the forums.
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One thing is for sure, they don't pay enough for any lead service to provide them with a phone number. We don't even provide an email. My guess is that they started doing follow up calls because they realized that follow up emails aren't effective. Again, this could only be for the people that actually applied, which is dismally low compared to what a local agent will experience.
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Situation #1 - Family on husband's employer group plan. Wife uninsurable, 1 child with asthma. Looking to save money. Wife has to stay on hubby's plan because, well, she is uninsurable. Kid can be pulled off group plan as long as they are willing to accept a rider (exclusion) for asthma. In some cases it is still not advantageous if the kids are all healthy if the group plan is a two tier rate . . . one rate for single, another for family regardless of the number of family members. So even if you peeled off the kids dad is still paying the same rate just to cover mom as before with the full family.
Situation #2 - Family with Blue Cross, wife is dependent (husband primary) and uninsurable. Blue will allow the wife to remain covered under the original policy as a separate entity but usually takes 2 - 3 months to perform the uncoupling. The few times I have done this the resulting rate for the uninsurable spouse is almost as high as it was for the entire family. Of course Blue will deny it, but it sure SEEMS as if they are penalizing the insured dependent for losing the healthy family members. Blue does not honor AOR unless the agent has at least 300 policies on the books and writes 100 a year.
Other carriers are a bit quicker to split off dependents but only do so on renewal.
Situation #3 - No way to split family and save money, so you go for the AOR. Blue for all practical purposes does not honor AOR. Aetna will accept AOR but continues paying the original writing agent, the new agent get's nothing. Humana, Time and United allow AOR but only on renewal years when commission is low. KP is the only carrier where I can get an AOR at any time and receive the full commission.
Situation #4 - Husband healthy, wife uninsurable. Husband states if they won't take my wife they won't get me either. It is possible to split them up but is very rare. Some folks want all or nothing.
Situation #5 - Parents healthy, child uninsurable. Some of the time this can be a relatively easy transition since the bulk of the premium is on the parents. Much easier to leave kids and put the parents somewhere else but most of the time the unhealthy family members are the parents.
FWIW, there are a FEW situations where I have been able to split off the healthy family members from the unhealthy one but I can probably count on one hand when it happens.
Quite often people who fill out online forms are not honest about their health. Can't tell you how many times I have called people and asked if they are on medication only to be told "let me see if I can remember all of them . . .".
Filters seem to be almost like a yield sign rather than a stop sign. Most folks cruise right through without slowing down. They want a quote and don't want to be bothered with the details.
Lead vendors charge a premium for a "clean" lead as well they should. When an agent pays extra for a lead that meets certain criteria, especially insurability, they should get that kind of lead.
I have used probably every major lead vendor and have never had a problem getting credit on an uninsurable family member, except with one vendor.
It is also disconcerting when leads have been credited in the past for situations such as these and then, without warning, they are no longer eligible.
I also recall having a conversation with you in Nashville where you asked about leads where one family member was uninsurable. I told you it is possible, some of the time, to split up the family but most of the time it cannot be done. You also asked if agents would be willing to buy leads where one or more family members were uninsurable but others were healthy and I said yes, but those leads should carry a lower price.
Thanks for confirming.
Situation #2 - Family with Blue Cross, wife is dependent (husband primary) and uninsurable. Blue will allow the wife to remain covered under the original policy as a separate entity but usually takes 2 - 3 months to perform the uncoupling. The few times I have done this the resulting rate for the uninsurable spouse is almost as high as it was for the entire family. Of course Blue will deny it, but it sure SEEMS as if they are penalizing the insured dependent for losing the healthy family members. Blue does not honor AOR unless the agent has at least 300 policies on the books and writes 100 a year.
Other carriers are a bit quicker to split off dependents but only do so on renewal.
Situation #3 - No way to split family and save money, so you go for the AOR. Blue for all practical purposes does not honor AOR. Aetna will accept AOR but continues paying the original writing agent, the new agent get's nothing. Humana, Time and United allow AOR but only on renewal years when commission is low. KP is the only carrier where I can get an AOR at any time and receive the full commission.
Situation #4 - Husband healthy, wife uninsurable. Husband states if they won't take my wife they won't get me either. It is possible to split them up but is very rare. Some folks want all or nothing.
Situation #5 - Parents healthy, child uninsurable. Some of the time this can be a relatively easy transition since the bulk of the premium is on the parents. Much easier to leave kids and put the parents somewhere else but most of the time the unhealthy family members are the parents.
FWIW, there are a FEW situations where I have been able to split off the healthy family members from the unhealthy one but I can probably count on one hand when it happens.
Quite often people who fill out online forms are not honest about their health. Can't tell you how many times I have called people and asked if they are on medication only to be told "let me see if I can remember all of them . . .".
Filters seem to be almost like a yield sign rather than a stop sign. Most folks cruise right through without slowing down. They want a quote and don't want to be bothered with the details.
Lead vendors charge a premium for a "clean" lead as well they should. When an agent pays extra for a lead that meets certain criteria, especially insurability, they should get that kind of lead.
I have used probably every major lead vendor and have never had a problem getting credit on an uninsurable family member, except with one vendor.
It is also disconcerting when leads have been credited in the past for situations such as these and then, without warning, they are no longer eligible.
I also recall having a conversation with you in Nashville where you asked about leads where one family member was uninsurable. I told you it is possible, some of the time, to split up the family but most of the time it cannot be done. You also asked if agents would be willing to buy leads where one or more family members were uninsurable but others were healthy and I said yes, but those leads should carry a lower price.
Thanks for confirming.
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- 14,808
I'd like to know, and I'm dead serious, what it would take for any lead vendor to route all leads to my page instead of Ehealth's.
From what I understand Ehealth doesn't pay per lead, just a spiff when and app's completed.
I mean, if it's all about money and no one cares if the agent is screwed then let's start the bidding and redirect all leads to my site.
From what I understand Ehealth doesn't pay per lead, just a spiff when and app's completed.
I mean, if it's all about money and no one cares if the agent is screwed then let's start the bidding and redirect all leads to my site.
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