CMS Picking Replacement Plans for Exchange Clients?

[yankee466]

From CMS communication......

Consumers with discontinued plans will receive targeted communication and additional touches totaling a minimum of (+7 touches).
As a secondary message, communication will inform them that the Marketplace will match them with an alternate plan later in the month to ensure they do not have a gap in coverage.
If consumers login to HealthCare.gov during this time, they will see in their plan results their “Current or Alternate Plan” listed at the top. The description of the alternate plan will be similar to: “If your current plan isn’t available for 2017, an alternate plan is displayed for you to consider.”

What logic would they use to select a plan for the insured? They go on to say the person will get a bill and insurance card from the carrier, since their enrollment info will be transferred to them, but would still be free to choose a different plan. Looks like the agents won't even have a chance to get involved. Of course if no commissions, who cares?

and what's with all the "touches"? :-)

Scary.

 

[AllenChicago]

Some clients are going to be really confused, because companies that are staying in a given Exchange, but eliminating some plans (like BCBS-IL is doing) will be auto-mapping those clients to a similar 2017 plan that the company is offering.

Meanwhile, CMS will be busy with it's creepy "7 touch" initiative, that will most likely contradict what the carrier sends it's clients..perhaps mapping a BCBS client over to a Celtic-Ambetter plan in that company. CMS is taking over the role of agent. What idiots!

 

[taterpeeler]

creepy touching and CMS... great comment Allen.... made me giggle

 

[russelltw]

creepy touching and CMS... great comment Allen.... made me giggle

We were told cms will map to the least expensive silver plan in the rating region.

 

[bluemarlin08]

The whole thing is creepy. Losing BC in the large cities is freaking folks out, freaking some docs out as well. My phone has not stopped.

 

[yankee466]

The whole thing is creepy. Losing BC in the large cities is freaking folks out, freaking some docs out as well. My phone has not stopped.

If you have seen the Lifelock commercials..... Just tell them you are no longer an insurance agent.... You are just an insurance monitor.

 

[KennyWest]

As an FYI, and we touched on this during our recent webinars, for your customers which were enrolled through ACAExpress we will display for you the closest matching plan. If the carrier is still available for the customer it will show that carriers plan. Otherwise it will show the closest match based on carriers you have indicated you are appointed with in your user settings. You can of course choose any other plan as well in either scenario.

We also provide the ability via the Import Book of Business feature to import customers enrolled via other methods and then provide the same matching plan as if they had been enrolled using ACAExpress.com

 

[yorkriver1]

The HC.gov system has all these built in features now where the reps are trained to ask about doctors, expenses and drugs. We can do that, too, on the browse coverage link. https://www.healthcare.gov/see-plans/

The reps stilll are reading from the page, no actual insurance knowledge.