Is the New 2025 CMS Rule for Agent compensation actually GREAT news for AGENTS and FMOs?

who is your fmo

as I understand integrity is not concerned about this
Integrity . But it’s not up to integrity wether they’re concerned with it . Carriers will get clarification from cms and what cms says all this means carriers must abide by it . It’s still cms’s call for what carriers can and can’t do .
 
This next song goes out to all the BFD's in the room . . .


he HRA is the last thing that should be verified.

I don't get paid extra if Mildred is sick.

But you do get paid for HRA's, right?

My understanding is that HRA's boost revenue for MA carriers. Is that correct?

If the HRA is never (or rarely) verified it certainly seems possible that carriers could collect additional taxpayer money for incorrect, falsified or embellished HRA's.

That certainly seems a logical conclusion. More HRA'a, more money for the carrier. What's not to love?

Feel free to jump in at any time with data.

I am willing to back off, just need some tangible evidence.

I doubt very much the most HRAs are embellished.

Perhaps you are right. Data? You don't seem like the type to BS their way through a discussion the way some of the agents do. When asked for supporting data they suddenly remember a tee time.

Having the agent do it is probably a good FWA deterrent. We have no incentive

Aren't agents paid extra to complete an HRA? Seems like an incentive to me.

Risk assessment and risk adjustment are valuable tools
that are used for a variety of purposes in health care and
health insurance systems. They are used to adjust premium
payments to health insurance plans
so that plans are not
over- or under-paid relative to the health of their enrollees.

How many times does CMS challenge the HRA?

Is this just a rubber stamp operation? Seems like it.
 
This next song goes out to all the BFD's in the room . . .




But you do get paid for HRA's, right?

My understanding is that HRA's boost revenue for MA carriers. Is that correct?

If the HRA is never (or rarely) verified it certainly seems possible that carriers could collect additional taxpayer money for incorrect, falsified or embellished HRA's.

That certainly seems a logical conclusion. More HRA'a, more money for the carrier. What's not to love?

Feel free to jump in at any time with data.

I am willing to back off, just need some tangible evidence.



Perhaps you are right. Data? You don't seem like the type to BS their way through a discussion the way some of the agents do. When asked for supporting data they suddenly remember a tee time.



Aren't agents paid extra to complete an HRA? Seems like an incentive to me.

Risk assessment and risk adjustment are valuable tools
that are used for a variety of purposes in health care and
health insurance systems. They are used to adjust premium
payments to health insurance plans
so that plans are not
over- or under-paid relative to the health of their enrollees.

How many times does CMS challenge the HRA?

Is this just a rubber stamp operation? Seems like it.

I'm not going to try to dig up data on defending a hunch.

Pretty simple point I'm making: we as agents are in no way incentivized to in any way shape or form submit an inaccurate HRA.

Have you seen an HRA?

Pretty basic:

Do you have diabetes?

Do you have hypertension?

Do you have cancer?

Etc etc...

Feeling down on a scale of 1 to 10?

We get paid if everything is no. We get paid the same if everything is yes.

What data have you come across that indicates that an agent is incentived to embellish?
 
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