Anybody having trouble getting paid on individual health exchange business.? I know I have all kinds of issues getting paid. FYI, A senior technical specialist/ employee at Healthcare.gov told me that .."send your policyholders to .gov only as a last resort as they are instructed to take the agent/brokers NPN number off of all cases they work on . THATS RIGHT HEALTHCARE.GOV EMPLOYEES ARE INSTRUCTED TO TAKE ANY NPN NUMBER OFF A EXISTING POLICY OR APPLICATUION WHENEVER THEY SEE THE QUESTION CONCERNING "IS ANYBODY ASSISTING IN THE PROCESS". This I speculate is a little known (at least to me) secret built in to the "game" . I surmise that the carriers ( upper echelon execs) are privy to this as they benefit as well. Has anyone agent/brokers out there known about thishttp://www.insurance-forums.net/forum/images/smilies/mad.gif practice ? Just another poke in the eyeball from ACA and carriers ?
Found Out Why NPN's "fall Off" !
- Thread starter Broker22
- Start date
- 10,340
It wouldnt surprise me. They already had 1000s of "navigators" who were trained, licensed, knowledgeable, & experienced. Instead of using them they spent millions to hire jokers off the street who had no license, training, knowledge, or insurance experience to "help" consumers get insurance.
And did the carriers lobby the gov to use agents instead of navigators????
They were more worried about MLRs than anything else.
And did the carriers lobby the gov to use agents instead of navigators????
They were more worried about MLRs than anything else.
While I actually haven't had that problem (all of my plan changes through the Marketplace have included me as the agent) I wouldn't doubt that it happens-it's a win-win for the Marketplace (their in-house people get more enrollments) and the insurance companies (they save our commissions).
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My NPN number has been there on every one of them this year. There were a few issues last year. They have been transferred to the insurance carriers within hours as well so I can check them right away. Nothing surprises me about this mess. I do not feel appreciated at all except by my clients. They are so appreciative.
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There has barely been a mere mention of the agents ... we have really gotten the shaft on this one.
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There has barely been a mere mention of the agents ... we have really gotten the shaft on this one.
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V.P. Joe Biden spoke up for Agents, yet nothing has improved..
How the PPACA exchange program still infuriates agents | LifeHealthPro
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How the PPACA exchange program still infuriates agents | LifeHealthPro
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Now THAT'S really comforting.
- 1,745
I called in yesterday to do an enrollment by phone. I suppose setting up the account with password side by side with client might be more reliable for entering NPN. Lesson learned.
1st rep. kept saying the computer was having issues, and took my NPN, also supposedly set me up as authorized rep for 1 year.
A call back later in the day to resolve a couple questions revealed that the 1st rep did not enter me as authorized rep or put in my NPN on the app, although she said she did when I asked.
I don't think it was on purpose, just pretending to know how to do the job. How that passes, goodness knows.
Second rep asked me for the NPN unprompted by me. Some are agent friendly.
1st rep. kept saying the computer was having issues, and took my NPN, also supposedly set me up as authorized rep for 1 year.
A call back later in the day to resolve a couple questions revealed that the 1st rep did not enter me as authorized rep or put in my NPN on the app, although she said she did when I asked.
I don't think it was on purpose, just pretending to know how to do the job. How that passes, goodness knows.
Second rep asked me for the NPN unprompted by me. Some are agent friendly.
They are a nightmare to deal with. Got a call yesterday from a lady who was referred to me. She called them on February 15th to enroll in a plan. They enrolled her in a BCBS HMO. When she went to her doctor she was told they don't accept that plan.
So when I enquired as to why she chose that particular plan she said she didn't, the guy at the Marketplace did. I already knew the answer to the next question but I asked it anyway. I asked if he asked her which doctors she used so he could make sure they were in the network. Of course he didn't.
She did say she told him she wanted a PPO and not an HMO. Somehow that didn't stop him from enrolling her in the HMO. To top it all off, after subsidy, her premium was $80 something per month when there were cheaper plans available. She was able to get a SEP because her doctors weren't in the network. We enrolled her in the Humana POS plan which includes her two doctors and the premium was nearly $40 less per month.
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I have had to get the client on a three-way call as many as 3-5 times to get authorized on their file. The marketplace CSR's are a bunch of idgits ... and I am not apologizing for that.
I try my best to not let any of my clients talk to them at all. Anyone that has done that they lead them down the path to do has been totally messed up. I have another one today to deal with. I told the client to 'only' get me authorized on their file and I would handle it for her. Did the client do that? No. Now, she is messed up seriously and I have to try to fix it for her. She has cancer and cannot afford to be messed up. I am sick to death of these marketplace people ... no kidding.
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The marketplace people 'always' put a person on an HMO. They do not know the difference between an HMO and a PPO. I had that same situation and I had to call them (which I loathe) and the CSR kept 'arguing' with me about the plan the client 'wants'. I kept saying, "That is not the plan .... keep scrolling down. It is the PPO 004." And she kept saying, "No. I have it right here and it is X dollars." I said, "Continue to scroll down to the PPO 004."
She argued 4 times until I said, "What does that plan say that you are looking at?" She read it and continued on until it said .... HMO. I said, "Why are you trying to play insurance broker? You do not know the plan the client and I discussed." She hung up on me. I am so not kidding: she hung up on me. I called back and asked to speak to a supervisor and turned her in. I have had it with this incompetence.
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Idgits, I love it. Made me think of this. Watch to the end.
http://www.cc.com/video-clips/6qpcrd/comedy-central-presents-fixing-the-pool
