Why is the public not told about their ACA options?

[Antares]

neither do you.
because if the exchanges would be encouraged to use only by those who can qualify for subsidy ( and that is true - if you don't qualify - don't even approach it) - the whole obamacare is toast - because it is the ones who will pay unsubsidized which are paying for those on subsidies as well ( plus all other taxes).

so his empirical observation SHOULD be correct - one can not suspect that the obamacare pushers would advertise their own failure.

If you, personally, advice your clients to chose plans outside exchanges it is your personal honesty, but that does not mean everybody else is doing that.
And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it.

If you work for BCBS that means you write policies only for BCBS and not any other insurance company?

neither do you.
because if the exchanges would be encouraged to use only by those who can qualify for subsidy ( and that is true - if you don't qualify - don't even approach it) - the whole obamacare is toast - because it is the ones who will pay unsubsidized which are paying for those on subsidies as well ( plus all other taxes).

Try this again in english.
All of us are paying for the subsidies kid....


If you, personally, advice your clients to chose plans outside exchanges it is your personal honesty, but that does not mean everybody else is doing that.
And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it.

Everyone I work with is doing the same thing....there is no incentive for an Agent to take ANYONE through the Exchanges.

so his empirical observation SHOULD be correct

So.....the anecdotal claims of one person's "experience" are more "valuable" than the daily experiences of an entire office dealing with hundreds of different people and situations...lol.

And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it

The plans are all almost exactly like.....NO pan can be sold except one that is compliant.
Granfathered plans cannot be offered to anyone except to family that are already on the plan...and they will all go away next year.
Temp plans are just that, temporary band aids that don't keep you from getting fined.


If you work for BCBS that means you write policies only for BCBS and not any other insurance company

I was independent for 8 years, I've seen and sold it all kid.

Your "honesty" is showing.. What you DIDNT tell folks is that many state exchanges are DOMINATED by one company. And in my state, BCBS is LOWBALLING the enrollment prices to kill off the competition. Which will inevitably result in profitable little feudal system of escalating prices later on.. In addition, the OTHER companies that are NOT on state exchanges are STILL WRITING POLICIES OFF exchange in many cases. Resulting in MORE CHOICES in some states if you go thru private exchange or brokers..

Most companies are shunning the subsidized exchanges because they KNOW that getting full reimbursement for the SUBSIDIES is an iffy proposition. The Govt doesnt even yet have a MECHANISM for paying the subsidy portions to the companies.. They are writing policies quietly OFF exchange so as to not jeopardize their reimbursements later on..

If the state subsidized pools don't materialize correctly, and they do not get deep pocket IDEAL clients, their chances for ever SEEING reimbursements from the govt go directly to hell..

Your "honesty" is showing.. What you DIDNT tell folks is that many state exchanges are DOMINATED by one company. And in my state, BCBS is LOWBALLING the enrollment prices to kill off the competition.

Your lack of critical thinking is showing...
You do know that "lowballing" is not a wise thing to do?
You do know that "survival" of a private insurer depends on having the correct rates in place?
You do know what happens when an insurer pays out more than it takes in?

Your hatred blindness is making you type stupid things pops.

In addition, the OTHER companies that are NOT on state exchanges are STILL WRITING POLICIES OFF exchange in many cases. Resulting in MORE CHOICES in some states if you go thru private exchange or brokers..

They are writing 'compliant" plans pops....I am writing 90% of my policies off Exchange....so don't let my "reality" get in the way of your blindness

Most companies are shunning the subsidized exchanges because they KNOW that getting full reimbursement for the SUBSIDIES is an iffy proposition. The Govt doesnt even yet have a MECHANISM for paying the subsidy portions to the companies.. They are writing policies quietly OFF exchange so as to not jeopardize their reimbursements later on..

For shits and giggles prove this assertion
Companies that do not take the subsidy business won't sell much...for Part D the Companies waited 18 months...but got all of their money.

Its like I said before kid....people like you who think everyone else is crooked think that way because they themselves cannot be trusted.....you are a crook and hence your distrust of everyone else.

 

[Antares]

When my panicked wife called an asshole (maybe Antares -- ) at BCBS -- they told her to go thru healthcare.gov.. Same with Cigna. Even WHEN she asked for options if no subsidy was desired. That's herding and dishonest. It APPEARS they've agreed not to compete with the govt pools in exchange for the "right" to still write policies for private pools.

The policies that BCBS are writing OFF EXCHANGE are going thru PRIVATE exchanges or brokers. The companies are part of the herding.

BTW LL -- go back and reread my previous post.. I added a task for you -- if you think you're useful here..

When my panicked wife called an asshole (maybe Antares -- ) at BCBS -- they told her to go thru healthcare.gov.. Same with Cigna. Even WHEN she asked for options if no subsidy was desired

I would agree, that was/is dishonest and quite stupid. I can speak for the seven Great Plains BCBS Shields, we aren't doing that unless there is a subsidy that the client wants and qualifies for.
The exchange is a pain in the ass that any sane Agent would avoid if they could.

The policies that BCBS are writing OFF EXCHANGE are going thru PRIVATE exchanges or brokers.

They don't have two sets of plans, there are one set of plans that can e offered on or off the Exchange...it really isn't this hard kids.

Most sane BUYERS would avoid navigators and go with an experienced licensed broker. Thanks for that flash of honesty..

No -- there aren't two set of PLANS --- but the POOLS are separate. And in some states there may be more COMPANIES writing off exchange than on exchange. If NAME is important -- or NETWORK is important to you --- there's some choice left..

Everything I type is honest
You just don't like any truth that isn't what you "think" truth should be.

Very few use the "navigators"....Agents aren't navigators, we are the front lines and we know how to do whats best for our people.

 

[william the wie]

Relax Antares O-care has three insoluable problems:

They have roughly doubled the number of primary care providers the country needs for medicare/medicaid are increasing the hassle and limiting the upside.

Specialists are also likely to see their upside limited and will stop taking government insurance.

They have created an incentive plan for chain pharmacies to sponsor doc in a box concierge care with some sort of compliance fig leaf.

Taken together that spells the end of O-care.

 

[Vox]

I write 5-10 plans a day both on and off the Exchange...and no matter how loud you bleat it does not change the fact that you don't know what you are talking about.

neither do you.
because if the exchanges would be encouraged to use only by those who can qualify for subsidy ( and that is true - if you don't qualify - don't even approach it) - the whole obamacare is toast - because it is the ones who will pay unsubsidized which are paying for those on subsidies as well ( plus all other taxes).

so his empirical observation SHOULD be correct - one can not suspect that the obamacare pushers would advertise their own failure.

If you, personally, advice your clients to chose plans outside exchanges it is your personal honesty, but that does not mean everybody else is doing that.
And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it.

If you work for BCBS that means you write policies only for BCBS and not any other insurance company?

neither do you.
because if the exchanges would be encouraged to use only by those who can qualify for subsidy ( and that is true - if you don't qualify - don't even approach it) - the whole obamacare is toast - because it is the ones who will pay unsubsidized which are paying for those on subsidies as well ( plus all other taxes).

Try this again in english.
All of us are paying for the subsidies kid....


If you, personally, advice your clients to chose plans outside exchanges it is your personal honesty, but that does not mean everybody else is doing that.
And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it.

Everyone I work with is doing the same thing....there is no incentive for an Agent to take ANYONE through the Exchanges.

so his empirical observation SHOULD be correct

So.....the anecdotal claims of one person's "experience" are more "valuable" than the daily experiences of an entire office dealing with hundreds of different people and situations...lol.

And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it

The plans are all almost exactly like.....NO pan can be sold except one that is compliant.
Granfathered plans cannot be offered to anyone except to family that are already on the plan...and they will all go away next year.
Temp plans are just that, temporary band aids that don't keep you from getting fined.


If you work for BCBS that means you write policies only for BCBS and not any other insurance company

I was independent for 8 years, I've seen and sold it all kid.

listen KID, your self- perceived know-it-all and haughtiness does not serve in your advantage,just the opposite. Sorry

you were independent BEFORE obamacare, so whatever you have seen BEFORE does not mean anything.

His empirical observation is the same as yours - in the realm of obamacare - since this has been going for 2 months only, so all your pompous huffing and puffing is just that - pompous pushing the chest, without any substance behind.

the ONLY useful information you have provided is - don't go to the exchange if you do not qualify for the subsidy ( which most people figured out by themselves anyway).

 

[Antares]

Relax Antares O-care has three insoluable problems:

They have roughly doubled the number of primary care providers the country needs for medicare/medicaid are increasing the hassle and limiting the upside.

Specialists are also likely to see their upside limited and will stop taking government insurance.

They have created an incentive plan for chain pharmacies to sponsor doc in a box concierge care with some sort of compliance fig leaf.

Taken together that spells the end of O-care.

I am always relaxed, this is just the internet

O care indeed has many problems....so far the biggest one is that many of the people that need help the most aren't getting it

 

[Antares]

neither do you.
because if the exchanges would be encouraged to use only by those who can qualify for subsidy ( and that is true - if you don't qualify - don't even approach it) - the whole obamacare is toast - because it is the ones who will pay unsubsidized which are paying for those on subsidies as well ( plus all other taxes).

so his empirical observation SHOULD be correct - one can not suspect that the obamacare pushers would advertise their own failure.

If you, personally, advice your clients to chose plans outside exchanges it is your personal honesty, but that does not mean everybody else is doing that.
And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it.

If you work for BCBS that means you write policies only for BCBS and not any other insurance company?

neither do you.
because if the exchanges would be encouraged to use only by those who can qualify for subsidy ( and that is true - if you don't qualify - don't even approach it) - the whole obamacare is toast - because it is the ones who will pay unsubsidized which are paying for those on subsidies as well ( plus all other taxes).

Try this again in english.
All of us are paying for the subsidies kid....


If you, personally, advice your clients to chose plans outside exchanges it is your personal honesty, but that does not mean everybody else is doing that.
And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it.

Everyone I work with is doing the same thing....there is no incentive for an Agent to take ANYONE through the Exchanges.

so his empirical observation SHOULD be correct

So.....the anecdotal claims of one person's "experience" are more "valuable" than the daily experiences of an entire office dealing with hundreds of different people and situations...lol.

And from the logical standpoint the ones who are for obamacare can not give the options of other plans, because it will fail it

The plans are all almost exactly like.....NO pan can be sold except one that is compliant.
Granfathered plans cannot be offered to anyone except to family that are already on the plan...and they will all go away next year.
Temp plans are just that, temporary band aids that don't keep you from getting fined.


If you work for BCBS that means you write policies only for BCBS and not any other insurance company

I was independent for 8 years, I've seen and sold it all kid.

listen KID, your self- perceived know-it-all and haughtiness does not serve in your advantage,just the opposite. Sorry

you were independent BEFORE obamacare, so whatever you have seen BEFORE does not mean anything.

His empirical observation is the same as yours - in the realm of obamacare - since this has been going for 2 months only, so all your pompous huffing and puffing is just that - pompous pushing the chest, without any substance behind.

the ONLY useful information you have provided is - don't go to the exchange if you do not qualify for the subsidy ( which most people figured out by themselves anyway).

LOL, little willy we cross?

Go play down the hall in the sand box.