- 1,735
1. The nice guy answering the special appeal phone line was quick to tell me, in essence, don't worry why the income info sent in didn't work, it was probably an error to reject it. Not sure if I should be reassured by that. No one at Marketplace seems to have much of a clue about any records regarding the difference between an actual rejection of documents/removal of subsidy and one done in error.
2. His advice, get names of reps on every call, use certified mail (or take a screen shot of an upload) send documents to cure "inconsistencies" asap, keep calling if no letter is sent verifying the doc(s) were accepted.
3. The process for this one, an expedited appeal went quickly. I needed to say that the clients had prescriptions in need of filling and medical appointments coming up soon, for the chronic illnesses outlined on the appeal form. What may not be so fast is the time between the less than 5 minutes with them by phone and the actual reinstatement of original benefits. May take at least another 30 days.
4. I am considering a form to give to clients when they sign up or any time they have a new document submission deadline, giving them details of how to be diligent in submitting forms and following up. If they don't know to look for a letter confirming the receipt of the forms, they won't know to contact me and/or the Marketplace.
5. In addition, considering a letter that goes out about 45 days from new business, with same info. One consideration, E&O carriers tell agents that if they get "between" the client and cancellation by calling on late pays, etc, the client can come to rely on the agent instead of the mail from insurer. Could be bad if dispute arises. I don't know right now, if I don't do some of the up front, I wind up getting involved in the time consuming mess later.
2. His advice, get names of reps on every call, use certified mail (or take a screen shot of an upload) send documents to cure "inconsistencies" asap, keep calling if no letter is sent verifying the doc(s) were accepted.
3. The process for this one, an expedited appeal went quickly. I needed to say that the clients had prescriptions in need of filling and medical appointments coming up soon, for the chronic illnesses outlined on the appeal form. What may not be so fast is the time between the less than 5 minutes with them by phone and the actual reinstatement of original benefits. May take at least another 30 days.
4. I am considering a form to give to clients when they sign up or any time they have a new document submission deadline, giving them details of how to be diligent in submitting forms and following up. If they don't know to look for a letter confirming the receipt of the forms, they won't know to contact me and/or the Marketplace.
5. In addition, considering a letter that goes out about 45 days from new business, with same info. One consideration, E&O carriers tell agents that if they get "between" the client and cancellation by calling on late pays, etc, the client can come to rely on the agent instead of the mail from insurer. Could be bad if dispute arises. I don't know right now, if I don't do some of the up front, I wind up getting involved in the time consuming mess later.