Health Sherpa

[taterpeeler]

I thought the CMS regs did not allow the use of web based brokers during the SEP period. Not sure but I thought that was the case. It my memory is correct then could it be they are manually entering the apps into the FFM by hand which in turn is causing the delay.

I hope this is not the case because then in my little sick mind I can only think that others not authorized to view PII have viewed it.... That would be a CMS violation.

I am in no way shape form of fashion saying this is what has/did/is happening but as someone certified on the FFM I am concerned

 

[FLM2]

If you receive a subsidy letter confirmation 2 hours after an app is submitted thru Sherpa then the Sherpa is entirely useless. Done. Next

Why?

I did two SEP cases through Sherpa, it calculated the subsidy correctly in both cases and the first one has been issued as quoted on the Sherpa website, the 2nd is still in process.

Maybe I am in a different situation because all of my business is referral, they aren't going anywhere else if I quote them a final rate that is acceptable and they agree to submit the application.

Again, I'm not shilling for Sherpa, I just see it as a very useful tool for Exchange enrollments for my business since I really dislike the healthcare.gov process

 

[AllenChicago]

Ning,

Can you address the effective date issue for us?

Ning told me today that due to strict HHS rules, the only available effective date is the first of the following month. In some circumstances it could be 2 months into the future. retroactive dating is not available via Health Sherpa.

 

[Professor Leads]

Ning told me today that due to strict HHS rules, the only available effective date is the first of the following month. In some circumstances it could be 2 months into the future. retroactive dating is not available via Health Sherpa.

Thanks...

Is this the case even if submitting on the last day of the month?

 

[Post Quartermaster]

Ning told me today that due to strict HHS rules, the only available effective date is the first of the following month. In some circumstances it could be 2 months into the future. retroactive dating is not available via Health Sherpa.

Have you managed to get a retroactive effective date on Healthcare.gov?


If so, I need some of your magic.....

 

[AllenChicago]

Have you managed to get a retroactive effective date on Healthcare.gov? If so, I need some of your magic.....

Si QP. Did one today. No magic involved. When hc.gov asks "Have you lost health coverage recenty?". You say "yes". Then it asks what date this happened. You then enter the last day of the month when coverage expired. HC.gov will assign an effective date of the next day, which is the first of the month following said expiration.

But be careful cause it can backfire if the applicant didn't have medical needs during the 1, 2, or 3 months between the date when their prior plan expired and the date you want their new plan to go into effect. Most folks don't take too kindly with being forced to pay 1, 2, 3 months of premiums in arrears. And you can't change it after you lock and submit. I learned this the hard way in June.

On the other hand, is it ACA illegal to say that a prior plan expired on 7/31/2014 (thereby triggering a 8/1/2014 effective date), when it actually expired on 5/31 or 6/31?

BTW..HC.gov was so smooth and fast today that it was spooky. Didn't ask for employer or income. Nice.

ac

 

[nliang86]

Regarding effective date - setting your special enrollment reason date (i.e. losing coverage date, relocation date, etc.) is the only way to control the effective date. We enter the correct date to ensure the consumer gets the effective date that's the day after their special enrollment reason day if possible, otherwise we get the next earliest effective date.

 

[taterpeeler]

Regarding effective date - setting your special enrollment reason date (i.e. losing coverage date, relocation date, etc.) is the only way to control the effective date. We enter the correct date to ensure the consumer gets the effective date that's the day after their special enrollment reason day if possible, otherwise we get the next earliest effective date.

care to comment on my prior post?

 

[AllenChicago]

I thought the CMS regs did not allow the use of web based brokers during the SEP period. Not sure but I thought that was the case. It my memory is correct then could it be they are manually entering the apps into the FFM by hand which in turn is causing the delay.

I hope this is not the case because then in my mind I can only think that others not authorized to view PII have viewed it.... That would be a CMS violation.

I am in no way shape form or fashion saying this is what has/did/is happening but as someone certified on the FFM, I am concerned.

TaterPeelers concern is related to a post I made back when this thread first started.

When there is no written contractual agreement between agent and web-broker that spells out the "we promise to" and "you promise to", the web-broker can use your client's information in any way they see fit. I don't see HealthSherpa outright stealing our health insurance business, but it's open season on every other insurance, banking, credit-card, aluminum siding, etc. offer that they choose to push in the future.

i.e.: Dear Mr. Potbelly, Your 75 year-old Mother who lives with you, Agnes Potbelly, is eligible for a very special Long-Term-Care plan. This plan will prevent you from losing time as a manager of Potbelly Sandwiches, as it is statistically probable that dear Agnes will need personal assistance sooner or later. We are HealthSherpa. Special assistants to your health insurance agent, John Doe-Doe. Give us a call and we'll take good care of you!

Every time I consider using Health Sherpa, I have to remind myself that there is no formal agreement, and that I have FAR more to lose in this "arrangement" than they do.
ac

 

[Yagents]

U are way over analyzing this stuff. H.c.gov and the carriers are bigger enemies. I or another agent is a bigger enemy. I'm sure they have no intention of stealing your clients. U either have the relationship or not.