Every year, I promise myself I will no longer fool with Med Adv or Obamacare, except for friends, family, or an existing clients on other business. But, they will send people to me, figuring they are helping me out. It is hard for me to turn down a senior that calls, though. I just spent the last 2 hours on the phone with a lady, that has twice since OE started Oct 15th, listened to telemarketers, and let them change the coverage she had in place. She called me wondering how to get her coverage back. So, I got her fixed back up, and told her we will submit it the last day of OE ( You can submit Med Adv and Part D applications all day long everyday, and the last one CMS receives is what you get.) I told her once we submit it to NOT answer the phone til after midnight! 2 hours on something that will pay me $10 a month! And, bless her heart, she said she was going to tell all of her friends to call me! I need to learn to say no, but I get to worrying about what will happen to these people., who have been sold something that it is not what they should do. ObamaCare tomorrow will be even worse. I get calls form people who tried to do it themselves first, or called an insurer direct, or worse of all, had went through one of these " Navigators" or " councellors" at hospitals, medical clinics, pharmacies, etc. Some of these will take days to straighten out, if it can be at all. Enrollment would be a lot simpler and easier, of they would have just called an agent to begin with. I am seriously considering just telling folks tomorrow I don't write ACA insurance. Healthcare.gov has my name and contact info on their website, for people to call for On Demand Assistance. I am going to take that off, too, as soon as I can find the page on the website to do it. I have been in this business for 35 years, and it is difficult for me, sometimes, to decicpher all of the information the federal government puts out on both kinds of insurance. So, I cam just imagine how daunting a task it is for the layman.
