Quote:
Originally Posted by Coach Pants
Here is where things get dicey...
Medicaid folks will be enticed to join medicare part c. It's already happening in most states.
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you want dicey?
exchanges will have 'navigators' to help people wade thru all the plans and prices, and try to select which one in an exchange is the 'right' one for them. keep in mind they will not be agents, they will not be licensed producers. they aren't supposed to do anything that would require licensing.
so, how are they supposed to help people navigate? that pretty much describes an agent.
now, an agent CAN be a navigator. however, they can't be paid by any of the insurers in the exchange. so, why would they want to navigate a client thru the system? for free?
also, if they are going to be a navigator, they have to remain unbiased and impartial, not favoring one company over another. one thing that means is that the agent would have to have an appointment with EVERY ins. co. in the exchange. a lot of work without any pay....also, because of the expense in appointing an agent, the ins. co's typically require that you write a base amount of policies per year thru them. otherwise they'll cancel the appointment. hence, there goes the impartiality.
are there some good ideas in the ppuca? sure? and plenty of bad as well. it will be a clusterfucl< of epic proportions if this law stays.
family of four making about 89k a year-they qualify for a subsidy. yes, indeed, you'll be helping that family pay their premiums. ain't life grand? 'cause goodness knows, when i think of people who need help, it's people like that.