What Do You Do Administratively for People that Have No Email

[sk337sk337]

Why not use Health Sherpa? It's very easy and much quicker than Marketplace. I'd rather pay $10-$15 and be done with it in 15 minutes or less than spend hours filling out the Marketplace app.


Also, it's not hard to setup a Gmail account. Just use their [email protected] and a simple password. I like to suggest their street/pet's name and DOB/zip code and a special character. This way it's something they should be able to remember. Write down the information in case they can't remember and store it for them in their file or whatever client software you use.

 

[yorkriver1]

I was told by someone very close to the issue that they are going to be be "cracking down" on agents creating dummy email accounts this year. Apparently it has become an issue, probably because of that guy who was enrolling homeless people on zero premium plans to earn commission. I helped a few create email accounts (was physically in the same room with them, they typed), but it became too much of a hassle time-wise so I don't do it anymore.

The best way I have found for those without email is a 3-way call with the marketplace. The way to do it is to go over the pertinent information first and pick out a plan. Then have you designated as authorized to speak on their behalf as soon as you call and you do the rest of the talking. I am very kind and polite to the marketplace rep, and so far (knock on wood) all of the AORs have gone through and I am earning commission on the sale.

If we are polite on 3 way call, after we have become authorized rep, we can ask the CS at HC.gov to enter our agent information at the beginning of the app, "is anyone helping you", which avoids the AOR after the fact. Occasionally, the NPN doesn't transmit to carrier, but for me now, it's maybe 1 in 20 or less.

 

[sman]

If we are polite on 3 way call, after we have become authorized rep, we can ask the CS at HC.gov to enter our agent information at the beginning of the app, "is anyone helping you", which avoids the AOR after the fact. Occasionally, the NPN doesn't transmit to carrier, but for me now, it's maybe 1 in 20 or less.

I loathe making a call to hc.gov. I'm to the point now where if a phone call is going to be required, I just let the prospect do it on their own and I'm completely removed from the process. Path of least resistance for me as it pertains to ACA.

 

[yorkriver1]

Sman, I can understand the frustration. Right now, I am using the harder ones to practice. Any client could have a glitch, and finding out how best to get them cleared up has been a learning curve.
Lately, the process of cleaning up messes seems faster, but that will change by November.

 

[junkman]

Sman, I can understand the frustration. Right now, I am using the harder ones to practice. Any client could have a glitch, and finding out how best to get them cleared up has been a learning curve.
Lately, the process of cleaning up messes seems faster, but that will change by November.

Cleaning up messes has been faster because they need a SEP to change so there are relatively few enrollments. You can't have problems issuing policies when there are no policies being issued.

We have what my good friend politely refers to as a "cluster headache". At least the 1st part of what he said was "cluster".