General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsIs there certification with the ACA? Does one 'get certified' with the ACA
Here:
MS DIPSHIT! I am a licensed health insurance broker in multiple states, and I am certified with The ACA....... don't try and school me on anything........ and this is a monster coming down the pike.... no one will be able to afford it unless you are a parasite
End
Now, I am not going to call him a liar, I want to call him a FUCKING liar.
MineralMan
(146,317 posts)Is this a reference to some other thread? Who are you going to call a fucking liar? I'm confused.
LaydeeBug
(10,291 posts)with the pre existing condition clause and forces HMO's to provide refunds if they didn't provide enough CARE and not just pocket the premiums as profit.
He responded with that.
MineralMan
(146,317 posts)LaydeeBug
(10,291 posts)jberryhill
(62,444 posts)Because, yeah, that kind of person is worth your time.
LaydeeBug
(10,291 posts)because he was lying.
And you have to stand your ground and speak your truth, even if you're the only one saying it, and even if your voice trembles.
So...yep. And I am going to let them know they aren't going to push us around anymore.
Enough is enough.
Swede Atlanta
(3,596 posts)Just as an insurance carrier needs to be licensed to do business in a state, I assume they must be certified or licensed to participate in the exchanges.
That certification may be limited to ensuring they are offering plans that meet, at minimum, what is required in terms of coverage, etc. but there may be other requirements, probably related to reporting.
In order to be a "navigator" you need to be certified.
As to the claim no one will be able to afford the care there is a grain of truth in that statement.
Since the ACA requires the cheapest policy contain certain minimum coverage, some people will see their premiums rise unless they are offset by subsidies.
The question one has to ask oneself is if a current policy has a $5K deductible with no mandatory minimum preventive care and $500 co-pays @ $3,500 per year and the new minimum policy under the ACA requires some minimum "free" preventive care, etc. and sets certain deductible, etc. values and costs $5,000, is that fair?
Should an insurance company be able to sell a policy at $3,500 that likely will never be used unless someone got really sick or should they be required to offer, at minimum, a policy that might actually be used @ $5,000?
LaydeeBug
(10,291 posts)Puzzledtraveller
(5,937 posts)This was covered extensively in my ACA training.
Puzzledtraveller
(5,937 posts)if they are going to negotiate and navigate clients through the exchanges.
FarCenter
(19,429 posts)http://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/assistance.html
Probably that. See also the section on navigators at the link.
grantcart
(53,061 posts)Recently I had a call from someone who wanted advice on becoming a health and life insurance agent.
I told her "well I wouldn't waste any time on the health insurance part because once the exchanges are up and running they will be out of a job".
There will still be a role for agents to sell large accounts, but those are handled directly with the large companies and a few agents.
The anger you are hearing is that this person was one of the completely redundant people in the insurance business who are losing their jobs.
Who else is losing their job: Those who were tasked at weeding out those with preexisting conditions. Also those charged with finding reasons to decline coverage, etc.
If you want to engage the person just cut and paste testimonials by people who have gotten better deals and ask, "what's up with this?", but you are probably better off just dropping it.