“The Marketplace” — the Patient Protection and Affordable Care Act (PPACA) exchange system also known as HealthCare.gov — may be working now better than it was two years ago, but it’s no customer service paradise.
B. Ronnell Nolan, president of Health Agents for America (HAFA), shared tales from HealthCare.gov’s bad side this week, in an email interview.
Nolan started the group to give independent agents and brokers a louder voice in the national conversation about health policy, and PPACA implementation.
The group organized an agent compensation petition, to at least give agents a chance to publicly, officially express their outrage about the recent waves of commission cuts hitting the individual health market.
Now, Nolan said, HAFA is trying to ramp up efforts to get HealthCare.gov managers to resolve lingering customer and producer service issues. For agents who are continuing to try to help clients with exchange coverage in spite of the commission cuts, the service problems are like acid on open wounds.
HAFA has had a hard time even getting Centers for Medicare & Medicaid Services (CMS) to send agents copies of the same innocuous newsletter that CMS sends to nonprofit exchange enrollee helper. Nolan gets some attention for HAFA simply by sharing the contents of the exchange helper newsletters with HAFA member agents.
Nolan said she has tried to talk to Kevin Counihan, the Centers for Medicare & Medicaid Services (CMS) who is billed as the Marketplace CEO.
“He says the right things, but no action,” Nolan said.
HAFA is now organizing a letter-writing campaign to try get state and federal legislators interested in the HealthCare.gov service problems.
For a look at a sampling of the stories from her agent misery files, read on.
1. Debbie Pickett: Removing a spouse who turned 65 from an exchange plan account can be … difficult.
Debbie Pickett, an advisor who specializes in helping people who are eligible for Medicare, was working with a married couple that bought high-deductible coverage through HealthCare.gov. The wife had a health savings account (HSA). The husband turned 65. Pickett tried to help the couple get the husband off the exchange plan coverage and keep the wife on the coverage.
HealthCare.gov reps tried to make lives easier for themselves by having the wife replace the couple’s coverage with an entirely new individual policy.
“That would have made her deductible start all over again,” Pickett told Nolan.
An exchange supervisor told the husband that correcting the error would take at least two weeks, Pickett said.
In other cases, Pickett said, she has to send HealthCare.gov the same documentation information again and again.
“This is getting ridiculous,” Pickett said. “They are losing information left and right … Who can help the people this affects? Yet we, as agents, are not needed. I am losing my cool. Loud scream here.”
2. Jeff: The Marketplace transfers my accounts to other agents.
Health insurers are not paying exchange agents much these days.