Insurance Agent Forum

[bill3173]

Originally Posted by healthagent

Totally 100% worst online app available. Also, not compatible with Firefox.

I am surprised that a pro like yourself would have fooled with the Aetna online app ugh, I think that's what you call it. Their online system has many flaws, compared to other carriers, but I write them more than any other carrier for non hsa business.

[somarco]

Humana team needs to study the Assurant method and copy it.

Actually, many in the underwriting staff came from Time. Seems the slow down in business at Time created an opportunity for Humana to pick up some folks.

Some of the stuff Humana is doing, and looking at, will copy and improve on Time's position.

I think Aetna's the prize winner for worst online app. First, if you click the "save" button simply because your client needs to get some info, chances are it doesn't save and you'll need to basically start from scratch.

No real argument on the difficulty scale. Aetna is the worst. But you don't need to save and exit. The app is automatically saved as you move forward. Saving creates a new app number.

When I use Aetna, which is more lately than I have in the past, I have clients fill in a paper app and fax it to me. I go in, create the login and complete the app up to the payment info. Then I send a link with instructions on how to complete. Even then I sometimes have to walk them thru the process as I did last PM.

last menstruated

KP asks the same question. I have not had a problem with it and neither have my clients.

what's the percentage of recovery for someone taking HBP meds?

100% if controlled.

doctor's full address

Dr Jones, Atlanta, GA is all I ever put.

If Aetna needs to contact the doc they will ask for the complete address. Same goes for all carriers.

client doesn't speak English.

All of mine do.

met with your client

A lot of apps ask that. I have only met one Aetna applicant. The rest are over the phone.

Carriers don't seem to have a problem with it and neither do I.

I just can't imagine actually going to see a client any more.

[indmedins]

Originally Posted by moonlightandmargaritas

It's not on the list -- naturally -- but they could speed up their comp. Way too slow.

I agree here. I had to start selling in states where H1 doesn't do business so I can get paid on time. What a slow process. I am lucky I haven't gone bankrupt yet.

[indmedins]

Originally Posted by somarco

When I use Aetna, which is more lately than I have in the past, I have clients fill in a paper app and fax it to me. I go in, create the login and complete the app up to the payment info. Then I send a link with instructions on how to complete. Even then I sometimes have to walk them thru the process as I did last PM.

Why would you do that? If you are having the client fill out the paper app, wouldn't it make sense to simply get the app from client, and fax it off to Aetna and let Aetna log the app in for you. Works for me. Within two days, I see the app in my producer world.

[healthagent]

Originally Posted by somarco

Actually, many in the underwriting staff came from Time. Seems the slow down in business at Time created an opportunity for Humana to pick up some folks.

Some of the stuff Humana is doing, and looking at, will copy and improve on Time's position.



No real argument on the difficulty scale. Aetna is the worst. But you don't need to save and exit. The app is automatically saved as you move forward. Saving creates a new app number.

When I use Aetna, which is more lately than I have in the past, I have clients fill in a paper app and fax it to me. I go in, create the login and complete the app up to the payment info. Then I send a link with instructions on how to complete. Even then I sometimes have to walk them thru the process as I did last PM.




KP asks the same question. I have not had a problem with it and neither have my clients.


100% if controlled.



Dr Jones, Atlanta, GA is all I ever put.

If Aetna needs to contact the doc they will ask for the complete address. Same goes for all carriers.



All of mine do.



A lot of apps ask that. I have only met one Aetna applicant. The rest are over the phone.

Carriers don't seem to have a problem with it and neither do I.

I just can't imagine actually going to see a client any more.

Regarding percentage of recovery - agents are not physicians and cannot determine or even guess what the percentage of recovery is for any illness of accident.

It's not a proper question to ask. Would it matter if the agent or client put "85%" recovered instead of "60%?"

I'm also not aware of how it affects underwriting if my client has three glasses of wine per week. I assume they are looking for any type of alcohol disorder which is already a question on the app.

[indmedins]

Percentage of recovery would be best answered by their Doctor.

[somarco]

If you are having the client fill out the paper app, wouldn't it make sense to simply get the app from client, and fax it off to Aetna and let Aetna log the app in for you. Works for me. Within two days, I see the app in my producer world.

I don't see my clients. All handled by email & fax.

I want a hard copy, in their handwriting, just in case something backfires.

Very few folks know how to complete an app. I review the app with them, tell them what needs more information and what is over the top.

I take that info and complete the app for them online, then send it to them for final review, payment info & signature. I have been doing it this way for several years and I rarely have a surprise offer from a carrier.

When you fax in an app you can't see it on Producer World. All you can see is that it is logged in. I keep PDF files of all my apps stored on my hard drive and back ups on a portable hard drive.

[indmedins]

Originally Posted by somarco

When you fax in an app you can't see it on Producer World. All you can see is that it is logged in. I keep PDF files of all my apps stored on my hard drive and back ups on a portable hard drive.

I just fax the apps in and keep a scanned copy of the paper app on my hard drive and backup to my online file storage space. For me, I don't mind just knowing the app is logged. I don't write much Aetna anyway, so the less work the better for me with them. I have yet to process an online app with Aetna. Appears to be very quirky. I am sure once one gets the hang of it, it is smooth sailing.

[somarco]

I am sure once one gets the hang of it, it is smooth sailing

Actually, it isn't.

One of the most convoluted apps I have seen. The last two I had to walk the client thru and all they had to do was log in (which is a pain in itself despite explicit, step by step instructions) then fill in the payment info and sign.

Old habits are sometimes hard to break. I like being able to access a PDF online in case something happens to my electronic copy.

[jbage007]

Originally Posted by bill3173

I second that on the e-signature. I threw the towel in on their online app with a some really good clients, that just couldn't follow their system. We're not discussing Assurant, but I don't remember the last time I had a complaint about their app retrieval and review system. Humana team needs to study the Assurant method and copy it.

Where the hell do you think their idea about the 17 question app came from, genius?

[indmedins]

Originally Posted by somarco

Old habits are sometimes hard to break. I like being able to access a PDF online in case something happens to my electronic copy.

About the online app. I bet it isn't in reality. I am a computer guy, but I can't stand the looks of that online app. I like the PDF app, you can type into it, pretty clean.

As for the electronic app. If someting happens to your copy, can't you just ask the carrier to furnish you with another copy?

[somarco]

If someting happens to your copy, can't you just ask the carrier to furnish you with another copy?

I can . . . but it is so much easier to go online & download.

As I said, old habits are hard to break. I learned the online app system via CGI. They had good reporting, much better than anything that is out there now, but did not have a copy of the app online.

Also, I send a copy of the e-app to my clients and suggest they print a copy in preparation for the phone interview. The e-app is much clearer than scanning or faxing the app they completed by hand.

[bill3173]

Originally Posted by jbage007

Where the hell do you think their idea about the 17 question app came from, genius?

I am aware of that smarty pants. I was referring to the method of signing and submission.

It may just be me but its difficult to take a girl with her tongue out seriously. Maybe you should put your tongue back in your mouth.

[Peelerinsurance.com]

thats so damn funny......i peed my drawers

[jbage007]

Originally Posted by somarco

I will be attending a meeting for the Humana Broker Council on Wednesday and have been asked to provide feedback on what they do right and where improvement can be made. They want us to focus on

1-Underwriting

2-Billing

3-General product design

Suggestions appreciated.

I have a suggestion -- a few weeks late for this meeting, but perhaps for the next.

Check out this page:

Humana One

Guess who is now "partnering" with E-Health?

Yep. Humana.

When you go to Humana-One to get quotes but your state is not yet approved, you get that page, which provides a direct link to e-health and is clearly sponsored by Humana.

So apparently Client Joe who lives in Sacramento clicks that link and buys a plan from, oh, let's say Aetna through ehealth. Humana is then paid some kind of referral fee -- for sending business to one of its main competitors.



Am I the only one who thinks this smacks of unprofessionalism? Is Humana THAT desparate that they need to stoop to the level of endorsing the one company that ALL other agents despise??

Geeez, what in the world is going on?? Is ehealth taking over the save the whales fund too?

[indmedins]

I saw that too jbage. Frustrating.