latinlife
Expert
Hi Russelltw or who knows what to do .. if you have a customer that was already enrolled with another agent, but now the client want to be re enrolled with you ?? with the same company ?? or with another company
This Upcoming AEP
- Thread starter russelltw
- Start date
- 728
What is going to be involved in current customers could be a cluster. With as many problems showing the AOR do we even know if that will roll over?
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Sent from my Samsung Galaxy
- Thread starter
- #14
We were told if the client does nothing, the coverage is still there, but the subsidy has not been verified, so the subsidy goes away. Client still has coverage, but at the full price of the plan. Carrier would much rather have the subsidy remain in place, but this was what CMS/HHS were telling them in meetings. Carrier is lobbying to get this changed (doubtful that will happen), but wanted us to be aware of it.
This was not a scare tactic. The carrier was asking for our advice on how they could make the next AEP better for them and us. They invited about 25 agencies across the state to spend about 3 hours going over options. They were saying they don't see how this AEP will work any better than last AEP. It will likely be more difficult because the time frame is much shorter and issues with subsidy re-enrollment.
As far as AOR, that's determined by each carrier as much as I can tell. I would rather AORs be frozen. Keeps agencies from trying to cannibalizing each other's book of business and not writing new people.
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According to what I was told, subsidy goes away. Customer has AEP to verify subsidy. If they don't verify subsidy, no subsidy. Plan is still there because the carrier cannot cancel it, however subsidy has to be determined each year.
Believe me, I would much rather have the subsidy stay the same. It makes sense, but incomes change, situations change, FPLs change, etc.
This was not a scare tactic. The carrier was asking for our advice on how they could make the next AEP better for them and us. They invited about 25 agencies across the state to spend about 3 hours going over options. They were saying they don't see how this AEP will work any better than last AEP. It will likely be more difficult because the time frame is much shorter and issues with subsidy re-enrollment.
As far as AOR, that's determined by each carrier as much as I can tell. I would rather AORs be frozen. Keeps agencies from trying to cannibalizing each other's book of business and not writing new people.
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According to what I was told, subsidy goes away. Customer has AEP to verify subsidy. If they don't verify subsidy, no subsidy. Plan is still there because the carrier cannot cancel it, however subsidy has to be determined each year.
Believe me, I would much rather have the subsidy stay the same. It makes sense, but incomes change, situations change, FPLs change, etc.
- 4,716
False.....and False.
The nickledicking petty differences will be hashed out come tax time.
Put this Boogeyman to bed AC.
- 8,448
Houcoogster, we're talking about THE GOVERNMENT. Every subsidized insured will have to do something, even if it's just to log in to the exchange and attest that "to the best of their knowledge" 2015 income will not vary much from 2014 income.
When doing 2014 taxes next year the insured discovers that they were wrong about 2014 income and received too much subsidy, they will have to pay it back. No doubt about it. What if they attested in November 2014 that 2015 income would be the same, but it turns out that they were wrong about 2014 income? THE GOVERNMENT Houcoogster. Either they will grant every taxpayer some leeway in their estimates, or they won't.
Personally, I hope you, YAgents and all the other forum members who feel that HHS/CMS will simply step out of way of current clients as they transition from 2014-plan to 2015-plan are correct. Less "busy" work this OEP would be great!
-ac
- 4,716
Now lets think about this. Lets think about this so called "virus" and how they decided to erase everybody's password. Do you really think this was necessary? Or do you think (like I) they didn't want people going into hc.gov and making a mess out of their accounts and end up losing coverage? I told all of my clients Do not go into hc.gov without me! The absolute chaos of people meddling around in there clueless would be a disaster. The call center staff would be so overwhelmed untangling the mess people would get themselves into new people wouldn't get helped.
So having said that, you are locked "In" until you initiate action to get "Out". Not the other way around.
The system barely handled 8 million signing up. They expect another 5-8 million to sign up next AEP. There is just no way they can handle the load of everyone having to redo everything, especially with the password debacle ensuing.
"I waited 3 hours on hold just to unlock my password"......it's comin'
Lib designed programs are designed to give, give, give.............not take away (unless your middle class and above).
"I waited 3 hours on hold just to unlock my password"......it's comin'
Lib designed programs are designed to give, give, give.............not take away (unless your middle class and above).
- 4,716
Makes sense.
You don't qualify for welfare, food stamps, Medicaid, SCHIP, etc in perpetuity (at least in theory). You have to requalify every year.
See my comment above on other entitlement programs ............
And yes, those programs do go away if you don't comply.
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