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Posts and commentary related to health insurance agents generally in California, commissions, carriers, service, Covered California.

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Covered California extends deadline until December 28th

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If you missed completing your application online December 23rd because of the Covered California melt down you now have another opportunity to enroll. But instead of calling Covered California or faxing over your application you’ll have to find a Certified Insurance to enter you application into the CalHEERS program online for you. Insurance agents never charge clients for their services. They are always paid by the insurance company or health plan by either a one-time payment, fixed monthly monthly or a commission percentage.

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Discrimination practiced at Covered California enrollment events

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I will happily attend any public enrollment event and assist anyone applying either for Medi-Cal or a health plan with or without premium assistance. However, hence forth, I will not attend any event where Certified Agents are allowed to discriminate against people based on their income and Medi-Cal eligibility. Further, if anyone is refused assistance from an agent because they might be Medi-Cal, please do us all a favor and report that agent to Covered California. Income discrimination practiced by Certified Agents needs to stop.

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Agent Alert: Covered California drops health application data

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Applications submitted to Covered California in October and November are missing agent designations and have corrupted household information when received by one of the insurance companies. It is hard to know if these data corruptions are an aberration or if the problem may be more widespread in the Covered California system. The bottom line is that these individuals have received no billing information from the carrier and the agent is not the broker of record.

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Paper applications threaten family health insurance coverage

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Covered California had high expectations for 21st century e-commerce technology but agents and consumers have resort to 19th century pen and paper. There has been an avalanche of paper applications into Covered California significantly slowing down the verification and enrollment process. The sluggish processing of applications means that some families may not have insurance coverage on January 1, 2014 as promised.

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Covered California estimates 100,000 households stalled in enrollment

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Covered California has estimated that nearly 100,000 households have started an application but have not selected a health plan. To help “Jump Start” these stalled applications Covered California will be distributing the contact information of these stalled applications to Certified Agents to call the applicants and offer assistance to help them make a health plan selection for an effective date of January 1, 2014.

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Is it time to boycott Covered California?

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Thousands of health insurance agents across California have done what Covered California has asked us to do to become certified to sell their new health plans. Unfortunately, Covered California has not held up their end of the agreement by creating an agent system within the CalHEERS website that allows us to monitor the progress of an application or to know if we will ever get paid. I am now leaning toward taking my client business right to the carriers and boycotting Covered California altogether.

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Agents get sermon from Peter Lee of Covered California

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From the sloppy training, poorly designed and broken website, lack of real information about plans to the patronizing pep talk tone of the webinars, I’m just about done with Covered California. If I didn’t feel so strongly about health care reform and the importance of the Affordable Care Act I would have cut my ties with Covered California long ago and just concentrated on keeping my current clients with their current carriers.

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How impartial are insurance agents with Covered California health plans?

By 8 Comments

Agents that are certified to sell Covered California health insurance sign an agreement which in part states that the agent will fairly represent all the different plans. I have faith that all the agents will accurately represent all the plans, but they are under various incentives and realities that may distort some agent’s presentations to clients.

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Few Agents Ready for Covered California Launch

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On a recent webinar, Chris Patton, Vice President of SHOP Sales and Agent Management for Covered California, reported that over 15,000 insurance agents have registered to become certified to sell both individual and small group health plans through the California health insurance exchange. Of those thousands of agents, less than 1700 had completed the necessary training for certification only days before the start of open enrollment. In addition, no agents will actually be certified as of the launch on October 1st because agent agreement has not been released.

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If you don’t support the ACA, don’t sell Obamacare

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If an agent is strongly opposed to Obamacare they should seriously consider not even selling ACA compliant health plans. Clients are better served by those who believe in the product than those who are selling just for the money.

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