Why should you and your clients be aware of social determinants of health?
Social determinants of health (SDoH) are social, economic and environmental conditions that can impact a person’s health. Simply put, certain individuals experience barriers to care because of factors such as race, income, education level, gender identity and more.
When people don’t have access to the resources they need, medical costs go up. That’s why addressing health disparities should be a priority when your clients create their health benefits strategy.
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We all win with Flexible Choice Dental, Vision & Hearing.
When you sell our new Flexible Choice Dental, Vision & Hearing product, you win extra rewards, and our customers win excellent coverage.
AS A VALUED AGENT PARTNER, YOU WILL RECEIVE A
$50 bonus per issued Flexible Choice Dental, Vision & Hearing application or
$75 per issued Flexible Choice Dental, Vision & Hearing plan when sold with an issued Medicare Supplement plan to the same customer through the end of 2021.
Thank you for your partnership on launching this exciting new product!
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Healthcare.gov: May Marketplace 2021 Special Enrollment Period Report
Today,
the Centers for Medicare & Medicaid Services (CMS) released a new
report that shows that more than 1 million new and returning consumers
have health coverage through the Health Insurance Marketplace that costs
$10 or less per month after advance payments of premium tax credits
(APTC) following the April 1 implementation of the American Rescue
Plan’s (ARP) expanded APTC. Of the 1,034,624 consumers who selected a
Marketplace plan with premiums of $10 or less per month, after APTC,
687,275 were returning consumers and 347,349 were new consumers. This
means 4 in 10 (43%) new consumers and 3 in 10 (30%) returning consumers, and more than one third (34%) of all consumers have selected a plan of
$10 or less per month following the implementation of ARP expanded APTC.
The ARP’s expanded premium tax credits have reduced premiums, increased
savings, and given consumers access to quality, affordable health care
coverage through the Health Insurance Marketplace®.1
“Having
access to quality, affordable health coverage gives Americans peace of
mind when they need to seek care,” said HHS Secretary Xavier Becerra.
“Thanks to the Biden-Harris administration’s Special Enrollment Period
and expanded premium tax credits from the American Rescue Plan, each
week we continue to see more Americans experience the relief and
security that comes with affordable, quality health coverage.”
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We have expanded our network to take better care of our Texas Molina Marketplace members!
We are pleased to announce that Methodist Hospital System is now contracted with Molina Marketplace in Harris County. Molina Marketplace members now have access to care at the below Methodist Hospital facilities in Harris County:
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Affordable, reliable, easy ACA coverage options for your clients
UnitedHealthcare is offering Exchange plans designed to help save you money on the federal marketplace
and other state-based marketplaces. Backed by our 30 years of
experience, these Exchange plans are Affordable Care Act (ACA) plans
(also called Marketplace plans or Obamacare) and are available in
Bronze, Silver or Gold levels.
The coverage they need. The price they deserve. Your health clients can now benefit from UnitedHealthcare’s ACA plans:
$0 virtual visits*
Get the urgent care you need in 15 minutes or less, usually, with three virtual visits at no additional cost to you.
$0 preventive care*
Don’t pay more for needed preventive care. These plans offer it at no additional cost.
Low-cost prescriptions*
Save money with $0 co-pays on
preventive drugs and the ability to get your prescriptions conveniently
at many locations, including Walgreens and Walmart.
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If you use HealthSherpa for your ACA enrollments, you’re familiar with the client table.
In
addition to this top level information, agents are able to click into
each client’s details and see all application information.
But,
what if instead of looking up a specific client’s application, you
wanted to search or analyze all clients who shared a similar application
characteristic?
This is where the HealthSherpa Export Report comes into play.
With the Export Report, you can analyze your book of business clients based on:
– Follow up document status
– Number of applicants
– The policy’s status
– New vs renewal applications
– And 146 other fields
In this article, we’ll
cover how agents and agencies can download the Export Report, exciting
new additions to it, and the 4 top ways to start using the Export Report
today.
How to download the Export Report
In
the Clients and Leads tab, all you need to do is click the ‘Export’
button. If you are an Agency admin, you can download your full book of
business, across all of your downline, from the Agency tab. Learn more here.
With
all of this information at your fingertips, it can be overwhelming to
figure out where to start. Here are some top ways agents and agencies
use the Export Report, which you can start using today!
1. American Rescue Plan (ARP) premium subsidy outreach. This
COVID-19 relief bill included measures that made subsidies more
generous for clients within 100–400% FPL, and it also made premium
subsidies newly available for clients making more than 400% FPL. Read more about how the law affected the ACA here.
The
Export Report makes it easy to target your ARP outreach efforts. As you
resubmit applications for increased premium subsidies with your
clients, last_submission_date
will populate. To identify clients who have not yet applied an ARP
subsidy, you can filter for applications where this field is blank. See
the “Recent Additions” section below for more detail.
To help agents and agencies, our team put together a resource for prioritized email outreach including templates, which you can download here.
2. Unemployment income outreach. The
ARP also included a measure that qualifies individuals who receive at
least 1 week of unemployment in 2021 to a free Silver plan. As an agent,
the earliest you can help your clients take advantage of this measure
is July 1st. This would be effective on August 1st.
When
you initially enrolled your clients in Marketplace coverage, you had
the option to attest that your client would receive unemployment income
in 2021.
For any applications where you checked that box, has_unemployment_income
will populate with ‘Yes’. You will be able to filter your Export Report
on this column to identify a list of clients to reach out to about
their coverage options.
It’s
important to note that you likely have other clients who qualify for
these free Silver plans. To make sure you don’t miss any clients, you
should also do outreach to your remaining clients. Later in June,
HealthSherpa will provide resources to help with this outreach.
3. Data Matching Issue (DMI) follow up. In
some cases, agents need to upload additional documents to resolve a DMI
post-enrollment. It’s important to resolve DMI’s when they occur in
order for your client to keep their subsidy.
The Export Report includes lots of information on DMI’s, but the most important field for agents is DMI_outstanding_count. By filtering on this field and using last_ede_sync,
you can see which applications need attention, and whether you need a
refreshed sync with the Marketplace to update the status.
After
the current SEP ends on August 15th, it will also be important to check
for outstanding SEP verification issue (SVI) document requests in svi_outstanding_count.
4. Confirm you are the AOR for your Book of Business. Use NPN_reason to see whether the NPN on the application is yours or the ‘Other Party’s’.
In
these instances, you will want to reach out to the client and confirm
whether they worked with a different Agent. If you should still be the
agent for the client, either resubmit the application through
HealthSherpa or do a 3 way call to the Marketplace.
5. Track progress on members-based bonuses or commissions. If you’re eligible for a carrier bonus or commission that’s based on members enrolled, use applicant_count to
add up the total number of members you have enrolled for a particular
carrier. You can search for a specific carrier by filtering on issuer.
Recent additions to the Export Report
In the Export Report legend, you can see where we’ve made these 3 recent additions:
1. American Rescue Plan (ARP) related fields at the very end of the report. You can read more here about how this law expands premium subsidy eligibility and amount. They include:
– Last_submission_date:
Allows you to see which clients have updated their eligibility since
4/1. If it’s blank, that means the application has not been resubmitted
through HealthSherpa for the ARP subsidy.
– FPL_ratio: Exact ratio for the federal poverty level (FPL).
– ARP_subsidy: The estimated new subsidy under the ARP.
– ARP_subsidy_change: The estimated change from the current subsidy.
– Bronze_to_free_silver: Indicates whether the client is eligible for a free silver plan because they are within 100—150% FPL.
– Has_unemployment_income: Identifies applications that included unemployment income as part of the last submission.
2. EDE sync timestamp
(column ER). This field shows you how ‘fresh’ each application’s
statuses are in HealthSherpa. To pull more recent statuses, you will
need to hit the refresh buttons from the client’s table.
3. More details about an application’s NPN. In the past, the npn_reason
field only showed whether the Agent of Record (AOR) was you,
HealthSherpa (in the case of a referral), or ‘Other’. Now, you will also be able to see whether there is ‘No AOR’, or if the NPN is ‘Other Party’s’.
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Annual Enrollment Period is coming, and Devoted Health wants to make
this your best year ever. We’ve got new details and benefits on our plans, new swag, and much more. Register for an in-person or online
session to learn more about our 2022 plans in your territory. Select
your state to get started.
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Be More Than Ready When Plan Year 2022 Training Starts on 6.21.21
Plan year 2022 Medicare + Fraud, Waste, and Abuse (MFWA) training will launch in just a few weeks. To be more than ready to start the course that will help you learn, achieve, succeed, and grow your business, take time to explore all the benefits of AHIP’s acclaimed MFWA program. There are so many reasons why the most widely recognized MFWA training is now an even better choice.
Explore AHIP’s New MFWA Training Platform
Recently, AHIP launched an entirely
new MFWA platform.* The program now “lives” on an interactive platform that
delivers an unsurpassed user experience, including:
Streamlined site navigation that’s even easier and more seamless
Enhanced mobile-friendly technology
Easy language changing: Switch
between English and Spanish any time
Elevated security functions
And much more
Choose The Training Agents And Brokers Prefer
For more
than five decades, AHIP training has been the gold standard for helping professionals
learn, achieve, and succeed. That includes to AHIP’s MFWA
online training.
This one-stop program offers unsurpassed value and excellence:
It’s the health insurance industry’s
most widely recognized MFWA training.
CMS-compliant training, updated annually for accuracy and relevance.
Transparent course fees. No hidden costs. No surprises later.
Maximum efficiency. A
single portal makes it easy to send your training scores to multiple health insurance providers.
Engaging content that does more
than meet CMS requirements. It helps you exceed your goals.
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