Dr. Oz says commission churning for MA plan is big issue

[AgentGeneral]

It's the DSNP/CSNP/LIS/LOW INCOME getting churned to high heaven.

Steer clear and isn't a problem. I'm blocking one now trying to get me to drive 2 hour round trip bc she wants more food benefit. not today or this year.

 

[Northeast Agent]

Eiizabeth Warren brought up the issue with the home visits that diagnose ailments that are then never treated.

And Dr Oz mentioned possibly communicating with Medicare beneficiaries more frequently - as if they already don't get enough calls and mail and are clueless and overwhelmed.

 

[EckoRomeo]

They got rid of the qtrly but added a monthly for full duals plus call centers will aggressively market csnp plans now.

Monthly SEP doesn't apply to every state (like mine). And call centers were already targeting CSNPs.

 

[EckoRomeo]

They don't care… put them on a csnp and if it's not approved within two months switch them back to their old plan or another standard plan using SNP (no longer qualifies for csnp)

That's how the call centers will stay in business April - Oct

True. This was already occurring. They will flip fewer plans though as they will be targeting higher incomes with less attractive benefits.

This will reduce churn. Eliminate? No. But if this rule would have been implemented along with the elimination of marketing money that would have all but killed call centers.

 

[MedicareWAA]

OK calm down. What is bigger Select Quote type call centers, or Integrity who owns all the FMO's who all have independent brokers. If anything he's getting a deal from Integrity.

The call centers sell two MILLION plans every year. Thats just the public ones. Granted, half of them churn within 90 days, but that channel has become a total beast over the last few years.

 

[AgentGeneral]

Finally watched the whole hearing. Had a long thought out post, but it's to much to do that.

Nothing we haven't heard yet. and the solutions aren't promising. Incentives. Ok, that's been tried many times. Need to up their game.

Churners, yes. Not just call centers, but they are the biggest offenders.

Upcoding, yes, the most talked about issue.

More push back anticipated from the dirty players and churners. I smell another legal battle, only this time with more inept lawyering from the side of CMS.

Back to square one, which is what was talked about in past posts.

I don't see this as anything other than squawking about a problem that will doubtfully be fixed much more than it is now, with changes in SEPs and integration of DSNPs (HIDE and FIDE).

None will be efficient and did we expect anything more. NoPe

The bad actors will be rolling along without accountability per usual.

 

[AgentGeneral]

Medicaid is going to be the biggest barking battle with pushback. I don't disagree here with Pocohontos for the most part.

ACA needs major changes and more pushback is coming on that, as the subsidies are on the line. Silver plans could take a hit.

I always feel like one day we will witness Pocohontos having coronary right on camera.

FYI, just in case, I'm not an Oz fan. His lack of knowledge of many people on medicaid as already working, was not just an oversight. He's really that lacking in mental power if it doesn't fit his narrative.

 

[AgentGeneral]

Oh and yes, too many agents. No kidding?

Gatekeeping is one solution. The only one really I can think of that would be viable. Like how bout slow that entrance down. It's nuts. Our state did for a bit, not sure if it still is, as far as health, life and disability licensing goes. Might be not a nice sentiment from me esp given that I'm fairly newish myself, but last year alone there were 56 agents added in a small 20 mile radius in my area. Bit much!! and made for some serious stressed out seniors given that this group was like an army hitting nonstop doorknocking.

 

[annon123]

Upcoding, yes, the most talked about issue.

And upcoding is a problem not unique to MA's. It's across the board with all kinds of insurance. It's dangerous for future medical care to have incorrect information in your medical record, not to mention causes all sorts of issues: just for example failing medical underwriting or possibly a higher copay...

 

[AgentGeneral]

And upcoding is a problem not unique to MA's. It's across the board with all kinds of insurance. It's dangerous for future medical care to have incorrect information in your medical record, not to mention causes all sorts of issues: just for example failing medical underwriting or possibly a higher copay...

Exactly had it happen myself went into my doctors and demanded something be removed. They immediately removed it.

Used to be very hard to get a doctor to change records. Not sure how it is everywhere, but of course it's crazy either way. Not to mention everything else that's wrong with the cluster f of a system. Just yesterday, saw again for the manyeth time, a med costing 140k and it's not like the guy would die even without it. is mind fKSJckery really

Question is is how long do we truly have before the system is not only morally bankrupt, but fiscally as well.