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man this is how it is going down....they will cxl the first application and put in a new application.....with a feb 1 effective date....man just went through this for the last week on a client that some how manage to put in a application on 12/12 with no income so they issued him with out a subsidy...so we called to change it and they did but cxled the first application and issued the new plan with a feb 1......man it is taken a week for them to issue a 1/2014 with a subsidy....and get this my client can not cancel the original app with bcbs.....was told the request to cancel has to come from the marketplace.....
STI, calling the Marketplace is how we had to handle my client's case too, but it caused a double draft, because the government is so damn slow with notifying the carrier that the 2015 plan was to be cancelled.
Now, he's paid through 1/31/2015 on his 2014 auto-renewed BCBSIL marketplace policy, and his brand new 2015 BCBSIL marketplace S.E.P. policy as well. This will eventually be reconciled properly by the carrier, but it's extremely annoying to clients. Particularly this one because his wife suddenly died at the kitchen table 2 weeks ago.
ac