Eliminating Navigators?

[Ann H]

Hmmm. Hire tons of (non-qualified) union employees with ultra rich benefits. Have the customer put on hold for hours, transferred back and forth and have a terrible experience. Or, outsource this role to qualified, experienced, licensed agents that won't cost the state a penny, acutally be revenue-positive, who will work for pennies on the dollar, and will insure that the customer gets on the correct plan, and provide excellent customer service.

You're right. Poor service = clients only use exchanges if they have no other option.

I'm beginning to feel complacent about this - like the govt can do whatever they want with navigators. Higher earners won't qualify for subsidies and would rather purchase outside the exchange anyway. I'd rather have those as clients anyway. And they'd rather purchase privately and use professional advisors. They are also the best source for cross-selling. Win-win.

As for exchanges, if the govt ends up allowing the subsidies outside the exchange, then exchanges and their navigators are dead in the water, for pretty much all categories of clients.

 

[Dave020]

The number of calls I get just to clear the confusion about California MRMIP (state risk pool) versus CA PCIP (state Obama pool) is just amazing. Only two choices to make and it still confounds so many people. Imagine when there are multiple Gold, Silver, Bronze, Platinum and Cat plans to decipher...scary (or as PPL says, "scarry")

 

[AndreaSti]

The number of calls I get just to clear the confusion about California MRMIP (state risk pool) versus CA PCIP (state Obama pool) is just amazing. Only two choices to make and it still confounds so many people. Imagine when there are multiple Gold, Silver, Bronze, Platinum and Cat plans to decipher...scary (or as PPL says, "scarry")

Just wondering, do you get any comp for helping these people? We don't here in Georgia, a subject discussed many times (free help leads to referrals, etc) but still you gotta pay the bills!

 

[Dave020]

Just wondering, do you get any comp for helping these people? We don't here in Georgia, a subject discussed many times (free help leads to referrals, etc) but still you gotta pay the bills!

$50 per application either pool. Don't spend it all in one place. I usually ask to send me referrals and have gotten a nice bottle of wine or two

 

[AndreaSti]

$50 per application either pool. Don't spend it all in one place. I usually ask to send me referrals and have gotten a nice bottle of wine or two

Hey that's great, better than $0, plus with the referrals and the wine thrown in, good for you!

 

[ins.dave]

Why doesn't Cali just succeed and get it over with?

YouTube - Red Hot Chili Peppers - Californication OFFICIAL MUSIC VIDEO

 

[AndreaSti]

Why doesn't Cali just succeed and get it over with?

YouTube - Red Hot Chili Peppers - Californication OFFICIAL MUSIC VIDEO

I think you may mean "secede"? I don't think Cali is succeeding at all, at least not from the comments I hear on this forum by CA agents!