More big carrier news coming

[Duaine]

Just got this on Cigna. I'm beginning to see a pattern.

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Cigna

PAPER ONLY PPO APPS…!!!11
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Cigna PPO plans: CT, GA, NJ & NY No commissions on new sales on or after 11/4/24, no matter the enrollment period or enrollment method Renewals on the current BoB & New Sales prior to 11/4 will continue to be paid As of 11/4 the plans will be suppressed on both SunFire & Connecture Cigna PPO plans: ALL Other States Will REMAIN commissionable, but as of 11/4 the plans will be suppressed on both SunFire & Connecture

 

[Chazm]

maybe we will see a more EPO style MAPD in the future, or some other new hybrid model?

We already do with UHC. Their hmo doesn’t require referrals. People typically still think they want a ppo

 

[somarco]

hit pretty hard from people over using the plans.

That's a misstatement.

Carriers loved it during the COVID lockdowns because many folks postponed routine and care that wasn't critical or urgent. Once things returned to "normal" people resume regular checkups and so forth.

Many who made it through COVID were diagnosed with illness that had been brewing and others with medical conditions before the lockdowns were sicker, requiring more utilization.

The actuaries went to sleep and did not account for a backlog of illness that needed treatment. If they smoothed out the low utilization years against the high years they would probably average out.

Patients aren't overusing their coverage, they are merely making up for health care underuse due to imposed lockdowns and fear.

 

[MedicareWAA]

Hiding plans on all the enrollment platforms is also known as cherry picking risk, which is illegal. Good luck with that, Cigna …

 

[Chazm]

Hiding plans on all the enrollment platforms is also known as cherry picking risk, which is illegal. Good luck with that, Cigna …

Sunfire will show those plans. They will just say no commissions.

 

[MedicareWAA]

Sunfire will show those plans. They will just say no commissions.

That’s what one would expect. Their email suggests otherwise. Maybe they’re just not good with words.

 

[Chazm]

That’s what one would expect. Their email suggests otherwise. Maybe they’re just not good with words.

It’s already been stated by the higher ups at amerilife/integrity that they can’t take it off searches in Sunfire. At least That’s what we’re being told.

 

[Medicare bro]

That's a misstatement.

Carriers loved it during the COVID lockdowns because many folks postponed routine and care that wasn't critical or urgent. Once things returned to "normal" people resume regular checkups and so forth.

Many who made it through COVID were diagnosed with illness that had been brewing and others with medical conditions before the lockdowns were sicker, requiring more utilization.

The actuaries went to sleep and did not account for a backlog of illness that needed treatment. If they smoothed out the low utilization years against the high years they would probably average out.

What you just wrote is exactly what I was saying. They did not use the coverage during Covid but they are using the coverage now and that’s why the in some places the carriers are having to stop the bleeding by making these plans noncommission because now they’re getting overused not during Covid, but now.

 

[somarco]

What you just wrote is exactly what I was saying.

Not exactly, but have it your way.

 

[MedicareWAA]

It’s already been stated by the higher ups at amerilife/integrity that they can’t take it off searches in Sunfire. At least That’s what we’re being told.

Good. I hope they don’t.