How Are People Canceling Previous Plans when Using Web Broker to Enroll?

[Post Quartermaster]

Choose a termination date of 1/1/16.
I'm telling my clients to let their old plan lapse for non-payment IF they start getting a bill for 2016 coverage (from a passive renewal).
I still haven't figured out WHAT those passive renewals will actually DO on Jan 1st!

Voluntarily terming on 1/1/2016 risks causing an error on the clients 1095A, IMHO.

 

[cadylou]

There has been so much comment on this topic and is a area of concern.
Do we say go in and delete the duplicate application or write a new app and hope the latest application over rules.
Coventry is only getting one application and refuses to acknowledge getting the new application with the npn number and says its HC fault and you call HC and they have just one policy the one with the npn number
I would like to know what others are doing and what works

We won't know what actually works or if we'll ACTUALLY get paid until next year . . .till then, it's just 'do the best you can' and "hope for the best!"

 

[TxOnline]

Voluntarily terming on 1/1/2016 risks causing an error on the clients 1095A, IMHO.

Terminations won't even work for 1/1/16 any longer.
That was just a suggestion for those who were having trouble getting the 12/31/15 termination date to work (at that point in time).
This is a moving target that changes all the time.

Yes!
A term date of 12/31/15 IS the ACCURATE choice! (when the system will let you do that).

 

[FLM2]

I went online today and cancelled a bunch of client policies as of 12/31/2015, it doesn't take very long if you have back door access to the Marketplace and there is no risk in having anyone charged in January with no recourse for a refund.

 

[mschlange]

Can you check and see if your npn number is assigned to a client and if not can you add it on the backend?

 

[cadylou]

Can you check and see if your npn number is assigned to a client and if not can you add it on the backend?

I think the only way to see that is to look into the marketplace eligibility app, like when you do a life change and step through it. Some times though when I access a clients app a pop up box appears asking if the agent has access and allowing you to input agent name. It's inconsistent though and I'm not sure what triggers the Pop up. Maybe others here know. . .

 

[jkinzies]

I spoke to many clients who were going to passively renew. I didn't make changes and now risk not getting paid even though I worked with the client. Makes it tough to compete with HC.gov's non-licensed well-paid with benefits navigators who provide advice and take our jobs. Guess we'll be working hard to get this all re-worked before 1/31 and be lucky if all we lose is just January's income. From what I understand, once the eligibility notice is done, if we're not on it, we're done for. Too bad, we're needed more than ever and have to fight to get paid.

 

[Sherota1]

Terminations won't even work for 1/1/16 any longer.
That was just a suggestion for those who were having trouble getting the 12/31/15 termination date to work (at that point in time).
This is a moving target that changes all the time.

Yes!
A term date of 12/31/15 IS the ACCURATE choice! (when the system will let you do that).

There are a lot of things the system will do but will not let the agent do. On the back door "Report a change" link the form to let the agent add their NPN manually to the application did not appear until November 23rd. Any agent who used web brokers last year that all used the redirect know we could never touch that form.

Termination button works for them at HC.gov. It's the instructions they give but it does not work for us.

They have access to tools to find MIA applications where you can look up a missing application with only the SSN or if that does not work they can search for it with only the App ID. We the agents do not have access to these tools.
For WBE who do not have the double redirect CMS should have a way that the agent can add their information manually to the application as well as the digital NPN that's added to the application. That way if there are any changes made to the application our information may have a chance of being attached.

This get's more ridiculous everday.

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There's just not enough alcohol in the world for this! It's a losing proposition all around. They kept agents in the first couple of years because they needed to get enrollment numbers up. Now --we've served our purpose and are expendable. No more for me--I'll keep off exchange only. . .till they stop paying us for that.

This is already starting. Mid-Atlantic all Aetna brand products must be submitted on the exchange whether the client qualifies for a subsidy or not if the agent wants to get credit for the sale.

The excuse given. "We wish we could have you to submit direct with the company but unfortunately at the present time the technology does not exist to in ensure that your NPN is attached" Really?

My thought is if the agent submit direct with the company the client shows up in our portal and is automatically and indefinitely attached to us. By forcing us through the exchange they know we can be cut from the sale. To do the AOR at least in the Mid Atlantic they make us take an extra step. The will not accept the AOR form by itself. This year we need to get a signed letter from the client with detailed information on the client and the agent along with the form.

Love how they love us.

Like UHC. We are cutting your pay to 0% but we hope you continue to sell health insurance in the future.