I would like to address the issue of Certified Agents being forced into slavery by having us enroll Medi-Cal without being compensated for our time.
It’s not just filling out a Covered CA application, but explaining the benefits, how to use the plan, pick a doctor, verifying MAGI and so much more. Plus, it’s a malpractice lawsuit waiting to happen. Why is it that agents have to post a $2m Insurance Policy and if Covered CA or Medi-Cal makes a mistake, will they claim Government Immunity? We WASTE so much time filling out applications that could easily and are filled out by the public as very few people can figure out how to appoint us as their agent. Maybe we could do Pro Bono work, if we weren’t wasting time! We were promised in training that all enrollee’s would have to select or decline an agent in the ONLINE enrollment process. Give us an affiliate link, just like ALL the Insurance Companies do OUTSIDE the Exchange!
If we are FORCED into slavery, at least give us the tools to do the job right. I have the LEAD website for those who want to know about Medi-Cal redetermination. See screen shot below. While I might be in #4 position, the DHCS material is out of date! Or doesn’t work. Sure, I have a degree in Insurance from San Diego State, CPCU, RHU, REBC etc. but why do you expect me to work for FREE and do stuff that Covered CA and Medi-Cal can’t or isn’t. I will grant that Ms. Marean-Williams of DHCS did write the summary that I cut and pasted into my site. But hey, it’s bad enough how many of MY pre Health Care Reform clients Covered CA STOLE from me by advertising that agents were no longer needed and just come and do your application ONLINE, direct. Heck, here’s a prospect that I play Tennis with, who was given the WRONG information and I told him so, but still thinks that going direct with Covered CA is the best thing! http://individuals.healthreformquotes.com/metal-levels/10-essential-benefits/infertility/#comments I also resent the number of Facebook friends I’ve lost as they feel Medi-Cal and subsidies are great, but no agent should dare advertise or inform the public of anything against the sanctity of President Obama.
We don’t even have a contact sheet for Medi-Cal or any sales material to explain how to use the plan or anything! I recently had a guy come in who told me over the phone he earned $18k. Turns out it was only $13k. I allowed him to use an extra computer to enroll online at https://www.dpssbenefits.lacounty.gov/ybn/Register.html but that didn’t work. So, I enrolled him through my Covered CA portal and updated my website http://medi-cal.healthreformquotes.com/medi-cal-introduction/enroll-online-los-angeles/ after hearing back from Medi-Cal. The portal said he was incarcerated. See screen shot below. Now, you’ve made me an Immigration & Parole Officer without the benefit of a Firearm. I spent say 30 minutes on the phone & email prior to our meeting, one hour enrolling and explaining… 20 minutes checking and explaining that Covered CA said if they didn’t believe he was NEVER in jail, Medi-Cal would call him or me.
See the link http://medi-cal.healthreformquotes.com/faqs/eligibility/child-survivor-benefits/ where a woman found out that her child’s survivor benefits don’t count in MAGI for Medi-Cal and now I will have to give back all the service fees, plus read all her emails on how terrible the Social Services are and no one can tell her anything! Do you expect me to know all these rules when I’m not being compensated or in the 8 hour in person training where ½ the material was incorrect! Nor did we even get a free lunch.
So, PLEASE if Covered CA is happy to STEAL my clients from Pre Health Reform, then let Medi-Cal write these people that qualify up too. At least Blue Cross and Shield allowed agents to keep their clients, but what about the husband and wife AB 1672 groups, those with Pacificare – UHC, Aetna, Health Net and those that may have switched from Blue Cross to Shield or vice versa?
I’ve asked Covered CA a dozen times about affiliate links, have those been forwarded to you?
Email us Steve@SteveShorr.com if you want the screen shots or just wait till my comments are posted on Covered CA’s Board Meeting website. Also see the analysis of the Board Meeting at Insure Me Kevin.com