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Louisiana Insurance Commissioner Issues Cease and Desist Order to United HealthCare for Intention to Omit Producer Commissions in Louisiana
Insurance Commissioner Jim Donelon issued a cease and desist order today to United HealthCare Services, Inc. and/or UnitedHealthcare Insurance Company, its subsidiaries and affiliates (collectively hereafter referred to as “United”) for their intention to implement the removal of producer commissions from upcoming renewals of certain group health insurance products.
“In reviewing this situation I found it necessary to order the company to stop all efforts to implement such policy and to revise all applicable schedules of commissions and relevant rate and form filings to appropriately reflect the full commission payment required by law,” Commissioner Donelon stated. “This action is meant to both protect Louisiana’s health insurance producers who are due compensation and preserve our authority in making sure insurers writing in Louisiana are in compliance with our laws.”
The Louisiana Department of Insurance (LDI) was contacted in May by numerous producers who indicated that they had been notified of United’s intention to implement a zero-dollar schedule of commissions applicable to all policies sold to groups of greater than 100 insureds with an effective date on or after September 1, 2019. Accompanying this notification was an inducement to work with United and affected insureds to negotiate a “replacement” agency fee to be paid by the insured to the producer and an offer by United to facilitate this payment.
According to insurancenewsnet.com Health Agents for America President/CEO, Ronnell Nolan said, “It’s really appalling because our members have been fighting to get paid, and that bill is important. Lowering health care costs is what we want for our clients. But our members aren’t getting commissions on the individual market and UnitedHealthcare is not even paying for groups of 50 and above. So how can anybody point the arrow toward our members and say we’re part of the problem? We’re not part of the problem. Agents have been losing money since the passage of the ACA."
We are about half way through this year already! We just wanted to touch base with you and make sure that you are en route to make the 2019 income we estimated during Open Enrollment last year. Below you will see the absolute MOST you can make per household size in order to prevent owing back your entire tax credit when you file your 2019 taxes.
Maximum Annual Income to Receive a Marketplace Tax Credit
IF YOU THINK YOU WILL MAKE MORE THAN THE ALLOWED AMOUNT FOR YOUR HOUSEHOLD SIZE:
We NEED to make changes to the amount of tax credit you are accepting per month so that you DON'T owe it back in a lump sum at the end of the year when you file your taxes.
Please let us know where you stand in relation to the chart and please tell us if we need to make changes!
Trish had the opportunity to speak with CNN reporter, Tami Luhby, on the large number of clients switching from ACA plans to Short Term plans for 2019 and the difficulty most people are having getting through the underwriting process for these plans.
Now that they won't be subject to a penalty, some of Trish Freeman's clients are more open to short-term plans. The Gonzales, La., agent is selling more of them this fall, though only to those with clean health histories.
After having to break the news to 100's of clients, we thought it may be easier to send out an email to everyone.
Blue Cross is sending out notices that your premiums are going down… and for some this is true. However, for most everyone this is not 100% accurate. If you currently have a subsidy from Healthcare.gov, Blue Cross did not factor in the CHANGE in your subsidy this year. The premiums are calculated on the 2018 subsidy and what we are finding is that 2019 subsidies are going down.
When something seems too good to be true it's because it probably is.
We hate to be the ones to break the bad news to you but wouldn’t you rather know the truth and pay the correct premiums now vs. owing back the subsidy during tax season 2020? I love surprises but not the ones that hit my pocketbook a year later.
We know you trust us and hope all of you know and understand we are just looking out for you. Please, please call to schedule your appointment with us today.
Open Enrollment for Individuals starts
MARKETPLACE (ACA) PLANS
HEALTH CARE MINISTRY SHARING PLANS
ACCIDENT/CRITICAL ILLNESS GAP PLANS
SHORT TERM PLANS
HUSBAND/WIFE GROUP PLANS
DO NOT GO TO HEALTHCARE.GOV ALONE
We were able to bring our concerns and experiences dealing with the Marketplace directly to the CMS staff.
The trip to Washington also provided us with the opportunity to hear from our legislators on healthcare issues that are currently being addressed in the Senate. According to HAFA President/CEO, Ronnell Nolan, "We learned about exciting legislation from Senator Bill Cassidy to fight balance billing."
Members of the bipartisan Senate health care price transparency working group, released draft legislation to protect patients from surprise medical bills. The draft bill is intended to jumpstart discussions in Congress about how to best stop the use of balanced billing to charge patients for emergency treatment or treatment provided by an out-of-network provider at an in-network facility.
Recent examples of patients receiving surprise medical bills referenced by HAFA include a patient who received a bill of nearly $109,000 for care after a heart attack, and a patient who received a bill for $17,850 for a urine test.
The discussion draft of the Protecting Patients from Surprise Medical Bills Act addresses three scenarios:
1. Emergency services provided by an out-of-network provider in an out-of-network facility:
2. Non-Emergency services following an emergency service from an out-of-network facility:
3. Non-Emergency services performed by an out-of-network provider at an in-network facility:
I won’t bore you with all the details but I do want to ask if you have any concerns or comments regarding Healthcare.gov and the MarketPlace. Good experiences? Bad ones? I would love to hear back from you and will be happy to report any and all concerns. Believe me, I have plenty to talk about since I’ve worked through most of them with all of you, but do you have any of your own that you want me to bring to the table?
Feel free to email me, private message me, call me – whatever you’d like. Just let me know today or tomorrow because I head out on Wednesday. I can’t say it enough friends, it’s an honor and privilege to serve all of you! My life wouldn’t be the same without you!
Send me your Marketplace/Healthcare.gov comments or concerns!
I am here to make your voice heard. If there is any experience with the Marketplace that you have had, I am hoping to give a report in order to make a positive change.
If you receive one of these recorded calls claiming to be from Blue Cross and Blue Shield, there are tips you should follow:
- If you get a recorded call from a caller whom you did not authorize to call you, the call is likely fraudulent or malicious and you should hang up immediately.
- Do not respond to prompts to “press 1 to speak to the operator or get your name taken off the list,” and do not provide any personal information. If you respond, you’ll probably get more calls.
- Do not provide personal or financial information.
- It is advisable to block the numbers of the robocalls you receive from calling your cell phone, although these callers may continue to call you from other numbers or use “spoofing” technology that makes the same calls appear to come from different numbers.
- We write 1,000’s of policies each year and know the quickest way to get in and out of the system.
- We know the insurance lingo – we are the experts.
- We know which plans are best within each company.
- We do the research and leg work for you. We study the plans each year BEFORE talking to you.
- We know the Louisiana insurance market. The MarketPlace does not, nor are they licensed insurance agents.
2. CUSTOMER SERVICE
- We make sure you get the benefits you need.
- We want a long-term relationship with you.
- We are there to assist you all year long. You have one point of contact and one person to help you solve any issues that may arise.
3. PERSONAL SHOPPERS
6. PROTECTION & PEACE OF MIND
Health Agents For America
Long Term Care