Navigator / Agent / Commission

[Yagents]

Google: navigators training hours reduced
A week old is almost stale in today's craziness

Reason: Out of time. Just chose NAVS yesterday, now hiring begins, and then training late Sept.

GOP lawmaker: 'Irresponsible' to cut training for ObamaCare 'navigators'


By Elise Viebeck - 08/07/13 04:31 PM ET

A House Republican is criticizing ObamaCare's "navigator" program after a report claimed that federal health officials reduced the number of training hours from 30 to 20.


Read more: GOP lawmaker: 'Irresponsible' to cut training for ObamaCare 'navigators' - The Hill's Healthwatch
Follow us: @thehill on Twitter | TheHill on Facebook

 

[houcoogster]

Anybody looking for a job? Hiring 4..

Health Insurance Navigators Job in Schoharie, New York US

 

[Yagents]

So, what they are saying is:
"We want highly educated, people person, willing to drive the sheet out of your car, paying for gas, and willing to work 24/7"

Isn't that the same as an army of Banker's agents
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• Associate's degree (or equivalent in experience); Bachelor's preferred.​
• Minimum of one year human services experience.​
• Experience conducting outreach and networking activities may be substituted for the one year human services experience.​
• Must have valid, unrestricted driver's license and independent means of transportation for extensive travel within the catchment area.​
  
• Ability to work flexible hours as this position may require evening and weekend hours.​

 

[houcoogster]

No this is a salaried non-agent position funded by taxpayers.

Bankers agents are straight commission.

 

[RayNY]

So it's 20 hours, 10 of which may be OTJ? What, is this going to be a Sept 28/29 weekend retreat with a day in the office on the 30th?

20 hours into my career, I wasn't even half way into my licensing textbook...

 

[policy doctor]

Might be a dream job....get to bs on phone with strangers, or meet them, no liability if wrong advice, get paid regardless if enrolling folks or NO Sale, should pay expenses like they do census folk.

 

[xrac]

Navigators are down to 20 hours of training now? That's some bang-up education they'll have.

The blind leading the blind and they will both fall into the ditch.

 

[taterpeeler]

The blind leading the blind and they will both fall into the ditch.

Thing is most of their target client is already in that ditch... No concern to me, I use them as a reason to buy from a broker.....thank me latter

 

[AllenChicago]

Allen,

We have quite a few carriers that pay flat fees, but none pay "per head", they all use PCPM or PEPM.

I've confirmed with at least one carrier personally that they plan on offering tiered flat-rates. It's still PCPM, but argument's sake, Indy is $5, E/S or E/C is $8, and a Family is $10.

The more I think about the possibility of Exchange plans paying flat-rate fees, the angrier I get. Insurers on the Exchange will be generating record profits. Even at $15 per member, per month, the commission dollar amount would be small compared to the 10%-of-premium commission that most carriers pay today.

Share price in Aetna, UHC and other for-profit carriers has been increasing in value because the companies will be earning higher profits. Investors know this. Executive salaries and bonuses are also larger and will increase substantially more after 1/1/2014.

But agents? In a few short weeks, We'll be reading e-mails from carriers where the 1st paragraph will tell us how important we are, the 2nd how the new health insurance environment is expected to present major financial challenges, and the 3rd/final paragraph will thank us for understanding, and accepting a flat $15 per (premium paying) person, per month for our hard work.

I'm not paying for any sales-aid web services, or ordering any sales-support materials from any source, until the commission schedule is released from BCBS-IL, Aetna, Humana..the three primary players on our Illinois exchange.

With on 42 days to go before we're expected to start selling ObamaCare plans, the lack of commission information and also premiums/network compositions is eclipsing rediculous and nearing the realm of becoming an outright insult!
ac

 

[Ann H]

Carriers need to know that agents won't work for peanuts.

We are not mathematically challenged. We know to keep our eyes on the dollar amount, not the percentage. Insurers will reap larger profits as the premiums spike, even if they are still allowed only 20% for admin/profit. For instance 20% of $500 is $100, but if the premium spikes to $1000, then that same 20% is now $200, yet there has been no increase in the administrative expenses.

So, carriers should know not to play games with us when it comes to percentage and dollar amounts. If the premium is spiking and they can keep 20%, then they have a lot more dollars to compensate agents for our sales efforts. We should balk at the low PMPM figures. They should either raise the dollar amount of the PMPM compensation, or go with a percentage of premium. There is a lot more money now for admin/profit than there was before Obamacare made the premiums spike. Carriers had better put some of that into the sales force to make this a successful open enrollment, or they will see a lackluster enrollment. Remember the Alamo, remember the PCIP.