Do People Have to Actively Cancel Their Old Policies On-exchange?

[cadylou]

Maybe this has been addressed already - so, I apologize if it's duplicative. But, when someone goes on the marketplace and selects a new plan are they expected to actively cancel their current plan? I haven't worked with these on Healthcare.gov yet, since I'm wrapping up Medicare & have told my subsidized shoppers to wait until this week.

 

[Yagents]

HC.gov is now supposedly sending a cancellation file to the old carrier. Who knows though.

I'm taking control and having client put on a paper billing after paying Dec premium payment, and explain to them the transition payment to the new plan whichever is chosen.

 

[G.Gordon]

Depends on the carrier. Coventry has stated that if they change on-ex to another Coventry plan, no action is needed. If they change on-ex to another carrier, to submit a cancellation form to the carrier. I'm submitting one no matter what with the statement, "Enrolled in another plan via exchange" written on it.

 

[cadylou]

HC.gov is now supposedly sending a cancellation file to the old carrier. Who knows though.

I'm taking control and having client put on a paper billing after paying Dec premium payment, and explain to them the transition payment to the new plan whichever is chosen.

I can't find any definitive documentation addressing this. In the Medicare Part D world, the minute they sign up for a new plan, they are automatically disenrolled from the previous plan, so . . . .I didn't know if this would be the same or not. My rep at Coventry sent along PAPER cancellation forms - really?? So, really don't know how to advise clients. Guess I will do what you're doing - seems safest. I would assume they could go to EFT or something once they are enrolled and are a member of the new plan.

 

[dorado]

I can't find any definitive documentation addressing this. In the Medicare Part D world, the minute they sign up for a new plan, they are automatically disenrolled from the previous plan, so . . . .I didn't know if this would be the same or not. My rep at Coventry sent along PAPER cancellation forms - really?? So, really don't know how to advise clients. Guess I will do what you're doing - seems safest. I would assume they could go to EFT or something once they are enrolled and are al member of the new plan.

Aetna told us to write paper cancellation letters when switching plans.

 

[azhealthgal]

The marketplace told me that if someone switches a plan to another carrier, the old plan would see it as a disenrollment on the feeds. However being the ever cautious one, I told my customer to stop the automatic premium payment just in case. They can also notify their carrier directly.

Until we know the disenrollment feeds work, I am advising my customers to be proactive just in case.

 

[yorkriver1]

Re: Medicare D and Advantage plans automatically kicking out the former plan when new enrollment registered. Yes, it's registered because Medicare approves every app for their Medicare enrolled beneficiaries.

They all have continuous Medicare coverage in common. There's no such thread for ACA plans, that I know of, other than HC.gov having them in their database if on Marketplace. If a new app and account are set up for the insured on Marketplace, a replacement could easily be missed, unless there were a continuous check/registration by SS# of the current carrier, and every new enrollment was matched like it is at Medicare. Maybe someday.

 

[isaels87]

I called BCBSNC with a customer today to cancel his policy because he's switching companies. They told me the marketplace had to be the one to cancel it. So I went into his 2014 application on healthcare.gov and terminated the plan that way. But I left the 2015 application active for the new enrollment