One-Fifth of New Enrollees Under Health Care Law Fail to Pay First Premium

[RayNY]

He didn't say "on the hook", he said time consuming and risky.

Time consuming because it's new, and extra work. Not to mention, the extra "proof" they need to obtain from the client. No debate there, it takes more time.

Risky, because they'll sue his pants off if he doesn't provide the result they expect (even if he follows the law 100%). Even a frivolous suit that gets thrown out can severely hurt a CPA's reputation. I'm sure there's no debate there either.

 

[houcoogster]

Mr. Jost has something to say about it.

Many Obamacare enrollees haven't paid their premiums yet - why not? - CBS News

 

[VolAgent]

If a professional charges for advice in their area of expertise and said advice happens to be wrong, what do you think happens?

You know, that E&O insurance you should be carrying?

 

[Yagents]

They have ethnic background numbers, but don't have numbers on those who were currently uninsured? It was a question on the application, just like the ethnic question. Withhold and forget.

Healthcare.gov Finished Strong Despite Rocky Start, Enrollment Data Show – Capsules - The KHN Blog

 

[RayNY]

They claim the question only accurately captures those that are "currently insured", not those who had prior insurance, are recently termed, or are obtaining coverage through the exchange to replace coverage with impending termination. (Page 36 of the report, under "Data limitations")

To their credit, that is what the question asks. The statistician in me would disagree with any other use.

For reference, 13% or 695,011 of enrollees answered "yes" to that question on FFM. SBM's have not released data, but NY reports 30% and KY reports 25%.

 

[tonyisme]

Yes the CPA has to verify everything the proof of citizenship, seeing everybodys SS card, apparently my CPA was given an alternative registration number to use if he starts working with subsidy clients. If he is audited the minimum CPA fine will be $500 he told me and then there is the upset client on top of that.

 

[timsip]

Ok....motormouth...your book has paid mine has paid and others have paid. Nobody is running a rate that low....but you want me to prove it?????
Are you crazy or something???? Go jump in a freaking lake!

So why do you go around blathering about what you can't prove?

 

[AllenChicago]

Friday July 11, 2014

Client enrolled on 6/30/2014 off-exchange at BCBS-IL website.
Assigned a 7/1/2014 effective date.
Received Bill on 7/6/2014.
Mailed Premium on 7/8/2014.
Received Call from BCBSIL on 7/9/2014 stating that application is being cancelled on 7/11/2014 due to non-payment of premium.

Client freaks out.. calls me.

I call BCBS-IL. They say that unless his $$$ is applied in the system by 7/11/2014, policy can't be "activated". Would have to re-apply. They suggested he go to Walmart or CVS today and pay with cash. (Not going to do it, since his check was already written/mailed.)

There's a 30 day grace period to make a payment once a policy is activated/in-force, but only 10 days to get the first premium payment into the system after applying.

Is this an ACA rule, or is BCBS simply doing this solo? Either way, it's an incredibly short and short-sighted time restriction for policy activation!
ac

 

[taterpeeler]

heres another one from BCBS: client been paying via direct monthly... set up 2 months ago on PAC and we kinda forget about it... he pops up on lapse report and I look and see he is still set up on bank draft but no draft happened(not the first times I have seen this) I call BCBS and they say well, since we didn't draft for 2 months and it was our system error fault we can not go in and draft 2 months, client must manualy pay the 2 months NOW and then call back to trigger the PAC.... client out of country and I cant reach.. client will be terminated by no fault of his own... client will sue and win..... client happy, insurance company melon-collie, agent sad........

 

[kgmom219]

Auto draft is not working right now at HCSC. Either its not being drafted or they draft more than one month or they do it 10 days late. Its a disaster. I am recommending no auto drafts right now to my clients. I have a few that call me every month and ask if they can start and my answer is "no". Until they get the glitches fixed, I don't need anymore premium payment hassle.

And here's the latest...if you have both medical and dental and call to pay via credit card, they only charge the medical premium and you are left out in the breeze on the dental. I had 2 of those this month. Clients are showing termed.

And its not making anything easier that Hallmark isn't able to accurately report who is in the grace period right now. The letter we receive is for pre-ACA clients only and if you run the report on line, its only post ACA policies. UGH.