Ok, so I write mostly Blue Cross Blue Shield of SC and United Health care here in SC, as they are in my humble opinion the two best carriers in our part of the state.
Blue Cross has now made it impossible to write a family. There are no family plans, period. If I want to write a husband and wife, I have to write them separately. No 7K or 10K HSA plans! They will add the long list of preventative care mandates to their existing plan with all plans sold after 9/23. The problem, I cannot write a stand alone child plan with them. So, I cannot write a family with kids on a SC BCBS health plan!
Ok, I can still write families with UHC. Of course, no child only plans, but I can write a family plan with children on one policy. So, I have a family with kids that wants a family plan. They are excited that new plans must cover the preventative mandates. Well, when I create a quote, say a Co Pay Select plan, with a 17 Oct start date, it shows the current plan that does not cover these required mandates. They clients are asking why? So I get on the phone to call my GA...I am told that UHC will still sell the plans as they are. I am not sure how this is possible, So I call UHC directly.
40 mins of waiting and I ask are plans sold after 9/23 going to cover these mandates? Maybe there are new plans coming out?
I get the complete run around. "sir, I work for an insurance company, I do not have that information available." Ummm, ok, who can I talk to to get help? "Sir, we cannot talk about 9/23 as it is not 9/23."
Now I am pissed. So I ask, can I sell my clients a plan that covers the mandates after 9/23? I mean, your website tells me I can sell the current plan, without mandates, but how is this possible. This is my only question, please tell me who I can talk to?
I get: "Sir, we cannot talk about Health Care...."
I hung up.
Does anyone out there know how some carriers are implementing these new 9/23 mandates, and others are not?
How in the hell do I write families? What the hell do I say to these clients..."I cannot sell you Blue Cross, and UHC has no idea what they are doing."
Sorry to rant, just wondering if you guys are running into this problem.
I already feel better!
Blue Cross has now made it impossible to write a family. There are no family plans, period. If I want to write a husband and wife, I have to write them separately. No 7K or 10K HSA plans! They will add the long list of preventative care mandates to their existing plan with all plans sold after 9/23. The problem, I cannot write a stand alone child plan with them. So, I cannot write a family with kids on a SC BCBS health plan!
Ok, I can still write families with UHC. Of course, no child only plans, but I can write a family plan with children on one policy. So, I have a family with kids that wants a family plan. They are excited that new plans must cover the preventative mandates. Well, when I create a quote, say a Co Pay Select plan, with a 17 Oct start date, it shows the current plan that does not cover these required mandates. They clients are asking why? So I get on the phone to call my GA...I am told that UHC will still sell the plans as they are. I am not sure how this is possible, So I call UHC directly.
40 mins of waiting and I ask are plans sold after 9/23 going to cover these mandates? Maybe there are new plans coming out?
I get the complete run around. "sir, I work for an insurance company, I do not have that information available." Ummm, ok, who can I talk to to get help? "Sir, we cannot talk about 9/23 as it is not 9/23."
Now I am pissed. So I ask, can I sell my clients a plan that covers the mandates after 9/23? I mean, your website tells me I can sell the current plan, without mandates, but how is this possible. This is my only question, please tell me who I can talk to?
I get: "Sir, we cannot talk about Health Care...."
I hung up.
Does anyone out there know how some carriers are implementing these new 9/23 mandates, and others are not?
How in the hell do I write families? What the hell do I say to these clients..."I cannot sell you Blue Cross, and UHC has no idea what they are doing."
Sorry to rant, just wondering if you guys are running into this problem.
I already feel better!