Washington Health Benefit Exchange 201 2017-2018 2018 OE 5 5 Role o e of A Agen ents & Broker er Tec echnical A Advisory Committee ee Board of Directors Presentation October 2018 as of: 9-26-18
RAB/TAC M Members ▪ Nina Florenz Years of Industry Experience Kirkland Insurance Associates, Inc. XX ▪ David Preston Insurance Resource Group XX ▪ Harald Schot LifePlan Financial Inc. XX ▪ Jim Streitenberger Premera Blue Cross XX ▪ Ex-Officio: Jeff Baughman Office of the Insurance Commissioner XX ▪ Terry Hokinson Coordinated Care XX ▪ Jeffrey B. Johnson JBJ Insurance Group XX ▪ Rachel Lauser Applied Team Insurance XX ▪ Kimberly Sage (Kaiser) 2
Broker D Distribution C Channel ▪ OE normally starts with approximately 2000. ▪ Annually 500-700 do not re-certify / drop out. ▪ End of OE5, 1225 in WA, 347 in other states, 1572 total. ▪ Currently 1690 total in 24 states. ▪ OE 5 brokers partnered with 25% of QHP households. ▪ Focus groups have shown consumers value broker assistance.
ME W A VT 1179 /69766 NH MA MT ND MN 2 /15 NY OR 1 / 2 RI 3 / 3 I D 125 / 2421 W I MI SD CT 2 / 0 14 / 164 3 / 43 MD NJ W Y PA DE 1 / 0 I A MD: (1 / 0) OH NE 13 / 3 I N I L W V W ashington D.C. NV VA 11 /0 9 / 5 3 / 115 7 / 54 UT CA CO KY 36 / 32 KS MO 4 / 56 NC 33 / 513 TN SC OK AR AZ NM GA AL 1 / 12 4 / 13 212 / 878 MS AK TX LA FL 20 / 177 5 / 18 WAHBE Brokers / Active QHP Enrollment as of: 9.25.2018 HI 1 / 0
Trends ▪ More brokers each year are having to make a decision if they can serve the individual market. ▪ Complex plan designs, Provider Networks / RX Formularies. ▪ Shorter OE, Overlapping OE with Medicare and Small Group. ▪ Inability to identify exchange clients that need assistance with renewals, CEV failure, Medicare. ▪ Consolidation of Agencies – Fewer brokers servicing more clients. 5
Trends ▪ Agency Call Centers in other states tend to be staffed with seasonal help. ▪ Fewer brokers are available for face-to-face servicing. ▪ Many clients never partner with a broker after receiving services. ▪ Broker compensation - Lower / elimination of commissions, more brokers are charging fees. ▪ Fewer Brokers are staying engaged with the Exchange. 6
Brokers P Provide U e Uni nique S e Ser ervices es ▪ Advanced knowledge of insurance products, networks, Rx, and benefits that have a direct impact upon their choice of product, their wellbeing and financial situation. ▪ The ability to establish long term relationships. ▪ Healthcare advocacy. ▪ Very low cost distribution channel. ▪ Brokers are generally available nights and weekends. Many will schedule telephone appointments anytime that is convenient for the individual year around . 7
Brokers P Provi vide U Unique S Servi vice ces ▪ Brokers are licensed and can help individuals make informed decisions. Customer service and Navigators can't make plan recommendations since they are not licensed. ▪ Brokers are part of the team of multiple resources available to individuals, HBE Customer Service, Navigators, Brokers and Store Fronts. ▪ Consumers look to brokers for validation of plan selection, physician networks and RX Formularies. 8
Co Considerations f for t r the Bo Board ▪ Broker compensation One time payment for Apple Health, CA model. Uncompensated work, is it fair? ▪ Exporting data from broker dashboards to better serve clients. ▪ Broker application link saves time / direct link. The Federal Hub now has this feature. ▪ Keep local brokers engaged in the individual market. 9
Co Considerations f for t r the Bo Board ▪ Brokers want to serve the individual market but they will need help. ▪ Many HBE resources are wasted on non productive brokers. ▪ ID core group of brokers and make them more efficient. ▪ Focus on time savers to service more consumers during OE. ▪ Improving the consumer and broker experience. 10
Questions ? 11
Appendix 12
WAHBE Br Brokers With Act ctive E Enrollments Summary by Broker State State Broker Count WAH QHP QDP AZ 1 18 12 2 CA 33 346 513 49 CO 4 74 56 10 FL 5 9 18 2 GA 212 856 878 144 HI 1 0 0 0 ID 14 121 164 16 IL 9 1 5 0 IN 11 0 0 0 MD 1 0 5 0 MI 3 34 43 7 MN 3 0 3 0 MT 2 0 15 3 NM 4 31 13 1 NV 7 17 54 15 NY 1 0 2 0 OH 13 3 3 1 OR 125 1,606 2,421 275 PA 1 0 0 0 TX 20 228 177 13 UT 36 6 32 8 WA 1179 57,709 69,766 14,094 WI 2 0 0 0 WV 3 99 115 9 Totals 1690 61158 74295 14649
Broker/Navigator/ or/Accou ount Work rker/ r/Self E Enrol olled OE5 Numbers Customers Enrolled as a result of a Navigators or Brokers OE5 QHP Total Enrolled Applications 7,273 Helped by NAVIGATOR 851 11.70% Helped by BROKER 2,495 34.30% Helped by ACCT WORKER 284 3.90% Self Enrolled 3,643 50.09% WAH Total Enrolled Applications 2,706 Helped by NAVIGATOR 809 29.90% Helped by BROKER 422 15.59% Helped by ACCT WORKER 983 36.33% Self Enrolled 492 18.18% 15
Ful ull S Ser ervice e Enr nrollmen ent C Center ers OE5 OE6 ▪ Applied Team Insurance Applied Team Insurance ▪ Vault Insurance and Investments Financial Designs, Inc ▪ GHB Insurance GHB Insurance ▪ Warshauser Agency Suzie Health Insurance ▪ Rice Insurance Rice Insurance ▪ First Premier Insurance Services Yakima Neighborhood Health Svc. ▪ FND Insurance & Financial Services Advisor Benefits ▪ Insurance IQ ▪ Financial Designs, Inc ▪ McGregor Insurance Agency ▪ Jung Park Insurance * Not all priority areas were filled for OE6 16
Broker W WAH P H Producti tion ▪ OE 1 ▪ OE 2 ▪ OE 3 ▪ OE 4 ▪ OE 5 17
Exchange Improvem emen ents s ▪ Improvements in the call center operations ▪ HPF is more broker friendly than in past years ▪ Broker and a Navigator on the same application ▪ Producer support in Olympia ▪ Enrollment Centers ▪ ( Are there any others? )
Washington H Healthplanfinder 19
20
Recommend
More recommend
