Health Reform - How Has It Affected Your Business?

Some of the supplemental plans we sell when helping folks with ACA are hospital indemnity plans, others are not - there are options that provide out patient benefits as well.

Cadylou, we saw the need for an enrollment platform during the first open enrollment period and had our on staff developers create a solution. Initially the goal was to use it strictly within our own walls to get our average enrollment time as low as possible. That is now changing and we will be offering it to other agents for 2015's open enrollment. I didn't go in depth because I'm not here to sell it to ya'll, rather input assistance through my experience as needed and pick up some tips from the other forum members.

If you want to talk more feel free to send me a message and I'd be happy to speak with you.
 
Indv - $75.00 Monthly
Family - $207.89 Monthly

What middle/lower income person/family can afford these supplemental prices with ACA subsidized policy?

If low enough income, should have spent extra money on Silver CSR plan.
If middle income, 9.5% doesn't leave much left in the budget.
High income off exchange - is an easier sell
 
In our experience(2014 Open Enrollment) about 500 policy holders found it to be an excellent option. Of course, there were many others that got most, if not all, of there premium paid by subsidy and couldn't afford the supplement to add to it. The following graphic should help explain what we do.


WHY-a-DEDUCTIBLE-Supplement.png
 
Dude, we all know how a supp works. It's not a brand new idea, it's been around for at least a couple months. :err:

I work with Chris (DBP2014)

In short the difference is they were designed specifically to work with ACA plans. Work similar yes, though were clean sheet plan designs. They are also integrated into our enrollment platform as well. What this means is with 1-2 additional steps and little if any additional info requiring to be entered into online forms, you (or your customers for that matter if they are of the "self serve" variety), can fill in the gaps at the same time.

We will be releasing detailed info on the platform, pricing, etc. over the coming weeks.

Kenny West

PS.. while I am a new member with this user name, I have been here for many years, couldn't get back the old profile and thus created a new one...
 
Follow up to other questions, for anyone wanting more info please email us at

[email protected]

In the subject line put "More info on ACAExpress request"

and in the body include your contact info (city, state, zip, phone, etc.).
We will then add you to the list to reach out to with details, etc. when launch date approaches.
 
I'm spending more time keeping clients policies on the books due to the :goofy: of HC.gov ROI has gone down on a per client per exchange basis due to having to handle multiple HC.gov created issues.:err:
 
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