California individual and family plan health insurance carriers have been combating fraudulent enrollment for open and special enrollment periods. Many of the health insurance companies have placed additional requirements on applicants to verify California residency. Unfortunately, enrollments through Covered California, which have virtually no verification of special enrollment eligibility, continue to be a source of high-cost claims from fraudulent enrollments.
The Department of Managed Health Care (DMHC), who regulates most of the individual and family plans offered through Covered California, has developed a website to allow consumers to compare health insurance companies. The Health Plan Dashboard website does not assign any performance review ratings. But it does give consumers a high level view of some of the data collect on the health plans such as enrollment, complaints, and enforcement actions for medical, dental, and vision plans.
Cigna notified their appointed health insurance agents at the end of September that they will not pay any commissions in California for individual and family plans. In other words, or symbols, Cigna has given the middle finger to agents who assist consumers with enrollment into their health plans.
Health insurance companies are deploying a variety of measures to reduce fraud and abuse such as only accepting paper applications or requiring proof of residency and identity.
In yet another sign of the erosion of health insurance commissions for agents, Cigna has informed their appointed agents that they will not pay commissions on most of their California health plans in 2016. Cigna has stripped away any agent compensation for their 2016 Silver, Gold, and, Platinum plans sold during open enrollment. In addition, there will be no commissions paid on any health plan that an agent helps a client enroll into during a Special Enrollment Period in 2016.
Cigna will be deploying a strategy of hiding certain health plans from consumers and cutting commissions paid to agents on individual and family plans in 2015. Gold and Platinum plans from Cigna will not be available for online quoting or enrollment. Cigna will also be cutting the commission on those plans from 5% to 2% for agents in […]
Covered California doesn’t have a monopoly on individual and family health plans in California. In addition to the carriers participating in the California exchange, Cigna is also offering health insurance outside of Covered California. Cigna is offering eleven different individual and family plan (IFP) options in California: seven Baseline Portfolio plans and four plans that mirror the Covered California standard metal tier levels for 2014. None of their plans are available through Covered California for the Advanced Premium Tax Credit.