Looks like cms getting very serious on aca agent fraud . Those no call leads history

[Duaine]

Biden Team’s Tightrope: Reining In Rogue Obamacare Agents Without Slowing Enrollment​

Complaints about these unauthorized changes — which can cause affected policyholders to lose access to medical care, pay higher deductibles, or even incur surprise tax bills — rose sharply in recent months, according to brokers who contacted KFF Health News and federal workers who asked not to be identified.

Ronnell Nolan, president and CEO of the trade association Health Agents for America, said her group has suggested to the Centers for Medicare & Medicaid Services that it add two-factor authentication to healthcare.gov or send text alerts to consumers if an agent tries to access their accounts. But the agency told her it doesn’t always have up-to-date contact information.

“We’ve given them a whole host of ideas,” she said. “They say, ‘Be careful what you wish for.’ But we don’t mind going an extra step if you can stop this fraud and abuse, because clients are being hurt.”

[EXTERNAL LINK] - Biden Team’s Tightrope: Reining In Rogue Obamacare Agents Without Slowing Enrollment - KFF Health News

 

[mdmedadvantage]

Look up the Enhance Health Lawsuit. The majority of the switching was tied into Minerva Marketing. The owner of Minerva was the first one to start the $6,400 free cash ads. They ran TruCoverage and flipped all enrollments done in them. Also any deals tied to his ads were being flipped and he had his hands in about 80% of real agencies (not single agents selling from home because that's not a smart model with ACA)

It will die down now as Minerva has halted. Most important the marketing companies and publishers are scaling back on running those ads. Once those ads stop, then you'll see a drastic change.

Aside from that, accept that ACA deals are not sticky, aside from the flipping, consumers themselves will call and ask to switch out of plans because they think they can get additional benefits.

 

[Duaine]

Here is the filed RICO complaint:

https://kffhealthnews.org/wp-content/uploads/sites/2/2024/04/2024-04-12-Complaint.pdf?fbclid=IwZXh0bgNhZW0CMTAAAR0JXMqRY7MWijirMIGkBWAynLsMrBaABJi8tSH3zjtKJK-8EV3o9orFA0I_aem_Adyy6teK5rBQXJwWut98w7999uHDs8-hK3oUUM4j88Fiqli5tN-C82q1iX85YmHxB98-mqaYHJr6goaJzCo_szoU

 

[DonP]

Look up the Enhance Health Lawsuit. The majority of the switching was tied into Minerva Marketing. The owner of Minerva was the first one to start the $6,400 free cash ads. They ran TruCoverage and flipped all enrollments done in them. Also any deals tied to his ads were being flipped and he had his hands in about 80% of real agencies (not single agents selling from home because that's not a smart model with ACA)

It will die down now as Minerva has halted. Most important the marketing companies and publishers are scaling back on running those ads. Once those ads stop, then you'll see a drastic change.

Aside from that, accept that ACA deals are not sticky, aside from the flipping, consumers themselves will call and ask to switch out of plans because they think they can get additional benefits.

That’s why a book of Aca isn’t worth much in a sale . I just had a family of 5 call market place and cancel his coverage . He never even called me . The problem with Aca vs mapd is the client gets 40 emails a yr ( 30 during open enrollment) to pick a new plan . Even though you tell them your ok you need to do nothing there open to being flipped . I find much less connection to the customer with aca than Medicare . A few of the reasons your dealing with younger people , many times few to no claims some yrs , and it’s a pit stop for many people who lost a job etc . Aca much more tech savvy and will sign up themselves . That said it’s a super easy sale and in the 5 yrs I’ve sold it crazy low service work

 

[Yagents]

Actually they are not after NoCallLeads agents. Just copycats that don’t know what they are doing. We are NoCallLeads.com and we’ve not had a problem.

So, how are you going to handle this one.....?

HealthSherpa and Insurers Team Up To Curb Unauthorized ACA Enrollment Schemes - KFF Health News

The initiative targets the biggest incentive driving fraudulent sign-ups and plan switches: the commissions that rogue agents or large call centers seek.

kffhealthnews.org

 

[mdmedadvantage]

This is from an insurance marketing standpoint, which is our specialty beyond being an agency.
The no call leads were very far from the main issue. They weren't producing volume at a level to be that much of an issue.
There was the one massive agency that switched AOR's on their downlines. A significant part of the issue because it accounted for about 75k consumer complaints directly from them.
And the MAIN issue that caused this mess were the ad's promising a $1,400+ cash subsidy card.
There were well over 1 million calls sold from those ad's in an 18 month time span, all the calls were sold to ACA agencies. If you spend anytime on the internet with youtube, or any social media platform, then at some point in the past 18 months you saw ads with people talking about how they got a card with cash, or cash deposited right in their bank account from a government program.. All those calls were sold to ACA agencies.

The agents were telling the consumers, sure you get a "subsidy card" but you follow up with the insurance company that gives you a $0 plan. None of these consumers cared about the insurance, most would call another ad within a few weeks and ask about the money, the agent would then get them into another plan..

That's your issue, the marketing was a massive scam and there were no guard rails. Now all the agencies that bought the fraud calls and built massive books of business are reaping the benefits because they have the consumers locked in.

 

[rmhaire]

Still waiting for @MedicareMillionair to hop in and tell us how great things are going.

Haven't heard from him since 7/14

 

[DonP]

He went down with the ship. Was doing seminars to the end . Don’t cry tears for him . I’m sure he made many millions in overrides and fees he charged for his course. A ton of those aca agents will be coming to Medicare

 

[rmhaire]

He went down with the ship. Was doing seminars to the end . Don’t cry tears for him . I’m sure he made many millions in overrides and fees he charged for his course. A ton of those aca agents will be coming to Medicare

You were right.

Just got an email from his FB group asking for a testimonial. You were right about moving back to medicare.

My question is why would I be getting this. Here's what it said:

Hey @everyone! Thomas here with ALH Network/Medicare Millionaire. We're looking for 6 enthusiastic agents to each make a short 1-3 minute video testimonial for our upcoming redone website regarding working with ALH network as an FMO and Nick Williams.
Such content would help us not only obtain more business - this would enable more of your fellow agents to help all of you collectively solve problems which will help each of you continue your efforts to make a substantial amount of money selling Medicare. If interested please respond in the comments below and I'll send you a message.

 

[DonP]

You were right.

Just got an email from his FB group asking for a testimonial. You were right about moving back to medicare.

My question is why would I be getting this. Here's what it said:

Hey @everyone! Thomas here with ALH Network/Medicare Millionaire. We're looking for 6 enthusiastic agents to each make a short 1-3 minute video testimonial for our upcoming redone website regarding working with ALH network as an FMO and Nick Williams.
Such content would help us not only obtain more business - this would enable more of your fellow agents to help all of you collectively solve problems which will help each of you continue your efforts to make a substantial amount of money selling Medicare. If interested please respond in the comments below and I'll send you a message.

Basically they found a loophole in the system and exploited it for incredible money . That is shit down and I’m sure we’ll see Williams try to rev up Medicare using some type of telesales . But massive compliance awaits him plus persistency horrid in call center high vol settings