Have You Gotten Paid on Your "On Exchange" Sales?

[Ann H]

I think Mattcvick is being misunderstood. When he said this is the most crooked thing he has ever been associated with, he meant the exchange.

When he said agents' numbers are being dropped from apps hundreds of times per day, he didn't say that was a good thing.

When he gave examples, he showed it was good for agents names to be on apps when the agent genuinely did the work, but not if an agent was just trying to attach his/her name to an app without any work done on the agent's part.

Although a red flag went up in my mind when I saw he was a supervisor for the exchange, nonetheless I think Mattcvick is just trying to give the agents on this board confirmation of the "crookedness" of the exchange, including the way it handles agents.

 

[dgoldenz]

. When he gave examples, he showed it was good for agents names to be on apps when the agent genuinely did the work, but not if an agent was just trying to attach his/her name to an app without any work done on the agent's part.

Doesn't seem any different than getting an AOR letter for someone that's already insured...

 

[AllenChicago]

1) A consumer asks an agent for help with the application, the marketplace will not allow the completion of the app. The Consumer then completes the application without the help of the agent. Why should we as agents get credit for starting something that we did not complete?


3) The consumer fills out an applications and enrolls in coverage thru the marketplace and after the fact asks an agent to look over the application. The agent tries to add his/her number to get credit for the app. Why is that ok?

Matt, I hope you never become an insurance executive.

Every one of my clients are with Blue Cross and (except for 2) each one enrolled by starting the application process at BCBS, transferring to the Marketplace for Subsidy, and returning to BCBS for final enrollment.

Roughly 15-20 of them experienced healthcare.gov crashes when I was assisting them. They enrolled later, on their own. I submitted a form to BCBS certifying that I had helped them in the process. BCBS assigned their account to me for ongoing assistance, as needed, and for commissions.

We were told at our final company training before the October 1st launch not to start enrollment at Healthcare.gov, or we'd be screwed out of commissions because the people who run the federal marketplace are 100% anti-agent. After reading your posts in the forum Matt, I'm all the more grateful that our Illinois MGA had access to insider knowledge and advised us to touch hc.gov as little as possible when enrolling subsidy-eligible clients.

BTW..One of the 2 who enrolled 100% via the Marketplace, and then called me for help afterwards, is still experiencing hc.gov punishment because he accidently picked the wrong plan way back in December. The other family received 3 bills, including a bill for the $455 subsidy, because the HC.gov marketplace computer system had/has a data-error communications bug.
ac

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1) Why should we as agents get credit for starting something that we did not complete? Why is that ok?

Are you an agent who feels guilty about a sin(s) you've committed? You're among friends here, Matt! You should feel free to confess them to your brethren, in complete confidence.
-Brother AC

 

[DS4]

Have You Gotten Paid on Your "On Exchange" Sales?

I'm still trying to attach my agent number to about 30 apps that moved from the exch to Anthem where my agent number vanished!
Should be cleared up before the next open enrollment?

 

[deadhead]

I wonder where our resident expert and head cheerleader for odumbasscare: houcooster, is. He will tell us everything is just fine

 

[mattcvick]

I think Mattcvick is being misunderstood. When he said this is the most crooked thing he has ever been associated with, he meant the exchange.

When he said agents' numbers are being dropped from apps hundreds of times per day, he didn't say that was a good thing.

When he gave examples, he showed it was good for agents names to be on apps when the agent genuinely did the work, but not if an agent was just trying to attach his/her name to an app without any work done on the agent's part.

Although a red flag went up in my mind when I saw he was a supervisor for the exchange, nonetheless I think Mattcvick is just trying to give the agents on this board confirmation of the "crookedness" of the exchange, including the way it handles agents.

Yes maam Thats exactly what im saying. I guess others see i'm new here so they just want to haze me.

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Matt, I hope you never become an insurance executive.

Every one of my clients are with Blue Cross and (except for 2) each one enrolled by starting the application process at BCBS, transferring to the Marketplace for Subsidy, and returning to BCBS for final enrollment.

Roughly 15-20 of them experienced healthcare.gov crashes when I was assisting them. They enrolled later, on their own. I submitted a form to BCBS certifying that I had helped them in the process. BCBS assigned their account to me for ongoing assistance, as needed, and for commissions.

We were told at our final company training before the October 1st launch not to start enrollment at Healthcare.gov, or we'd be screwed out of commissions because the people who run the federal marketplace are 100% anti-agent. After reading your posts in the forum Matt, I'm all the more grateful that our Illinois MGA had access to insider knowledge and advised us to touch hc.gov as little as possible when enrolling subsidy-eligible clients.

BTW..One of the 2 who enrolled 100% via the Marketplace, and then called me for help afterwards, is still experiencing hc.gov punishment because he accidently picked the wrong plan way back in December. The other family received 3 bills, including a bill for the $455 subsidy, because the HC.gov marketplace computer system had/has a data-error communications bug.
ac

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Are you an agent who feels guilty about a sin(s) you've committed? You're among friends here, Matt! You should feel free to confess them to your brethren, in complete confidence.
-Brother AC

Not sure why you jumped on me to start forum wars 2014. But needless to say I do work as a supervisor for the marketplace. I see daily agents calling with stacks of consumer information trying to add their ID's to whomever they can. Completed applications, marketplace screw up you name it. The "specialists" can literally do two things:
1) redo an application
2) transfer the call to a 2+ hour hold time to a different "specialist" that can do the same two things.
Now that being said if you as an agent think just because you can get the CS rep that don't care and is one of the ones getting fired in 14 days to add your ID at a whim doesn't make it right.
The exchange is crooked in its fraudulent information given to us to tell agents and consumers alike. We are told to withhold information unless it has been scripted by GDIT (General Dynamics Information Technology, CMS or the company we all work for that was hired by those two Maximus Federal Services.
This all being said the marketplace is not anti-agent like you were told. It's simply a broken website being run by a broken system.
You are jumping all over me wanting to argue facts. We are on the same team but for some reason you want to bash me. That's ok if that's what you want to do.
As unethical as the marketplace is, the agents who scam for the all mighty dollar are worse.
And if being an Insurance Executive means I would have to condone bottom feeding unethical behaviors like I see daily then I agree with you. I would NEVER want to be one.

You think it's ok to add your info to an app you did not complete based on a 5 minute call where you bullshit the consumer to get them to purchase plans they don't need just so you can get paid?

Do you condone the unethical behavior I have seen and am talking about?
If not then why must you attack me?

Just how many calls have you been on in regards to the marketplace?
Just to be clear I have taken and listened to hundreds if not a thousand calls since October.

 

[wingateexpress]

All this mess reminds me of when Medicare Advantages first hit the masses. Everything was going wrong and nobody got paid for a very long time. Eventually these issues will resolve themselves but until then I wouldn't touch this product.

 

[Yagents]

We all just experienced a traumatic experience, and we all need to chill. Lots of misinformation out there on both sides.

Matt, most of us on here are ethical agents, and there will always be a few bad apples......in every industry. We all worked our butts off, and so did you. We get paid for our work only if the agent info is placed on the app and it gets transferred to the carrier correctly, which was a big problem for 2-3 months, and still lingers. You got paid regardless. So be a little sympathetic to agents as we also have families to feed and a career that is being sabotaged.

 

[mattcvick]

We all just experienced a traumatic experience, and we all need to chill. Lots of misinformation out there on both sides.

Matt, most of us on here are ethical agents, and there will always be a few bad apples......in every industry. We all worked our butts off, and so did you. We get paid for our work only if the agent info is placed on the app and it gets transferred to the carrier correctly, which was a big problem for 2-3 months, and still lingers. You got paid regardless. So be a little sympathetic to agents as we also have families to feed and a career that is being sabotaged.

I understand that truly I do. I work my tail off to try and help agents get what they deserve to get. I also work just as hard to keep the unethical ones from leeching.
As for us getting paid regardless that's not entirely true. You can Google the class action suit against Maximus for hundreds of thousands of dollars in unpaid wages.
I feel for everyone who is owed, but really feel we are all in the process of getting shafted. I am making a career change into insurance, so I do not want to look like I came here to start any troubles. I came here to get information to help myself into my new career path. I have been lurking for a very long time and decided to chime in here since I have information about the FFM others may not have.

 

[rugerred]

I am getting paid on the business. I had to jump through some hoops with a couple of the carriers but I think the last one was settled yesterday. Dean health has been the best with only one missing. Anthem is a mess in WI but it has been fixed for the commission.

I have people still calling that they messed up and their doctor is not in network. I will have more customers next AEP.

Sent from my Samsung Galaxy