Washington’s view of health insurance agents comes from extensive research into the practices of the health insurance agent. Agents merely help people sort through the myriad of health insurance choices to complete a purchase transaction. For that one transaction the agent receives an exorbitant commission, a commission so large that it impacts the affordability of health insurance for the average family. Eliminate the myriad of choices and there is no need for an agent. Cut out the agent and not only will the insurance companies be able to comply with the new medical loss ratio requirements, but health insurance will also be more affordable for all Americans.
To facilitate this, we have created an insurance exchange pothole so that everyone can buy health insurance online with just a few clicks at a state-run superstore, www.Healthocity.com. There will be only be four plans (platinum, gold, silver, bronze) so all confusion will be eliminated. If you have questions, you can use the Internet chat feature and communicate with Peggy or Scott in New Delhi. After all, health care is not local in scope and it does not matter what doctors participate locally or where your 20-year-old son goes to college. This is a very simple process. Once you purchase the product, the system will work perfectly and you will have no need for any service afterwards. If you do not have access to the Internet (although we assume everyone does), just call us at 1-877-onholdforever.
Once your employees enroll, they are covered. If Suzy your receptionist calls you from the local drugstore saying that the pharmacist is saying she in not in the system, just have her tell the pharmacist to call 1-877-onholdforever.
We realize that as an employer your insurance agent may have assisted you with compliance of various federal laws such as COBRA, HIPPA, FMLA and now PPACA. We are pleased to inform you that those services can be obtained by calling the DOL, IRS, CMS or HHS directly. Please be patient as we do experience heavy call volume between 8 a.m. and 6 p.m. We can only recite the law to you, so if you require an interpretation on how certain aspects of the law would apply to your specific situation we suggest you hire a labor attorney at $400 per hour. Those insurance agents who were giving you free interpretations of these laws could not charge you because they were already receiving commission.
Speaking of paying, the benefit of an online pothole is that you can pay your premiums with your corporate credit card. As you know, paying online is a simple and easy process. Your credit card information will be secure and protected. You can also use PayPal. It charges a fee, but it will be paid by the pothole administrator and it is cheaper than paying commission to an insurance agent.
Another advantage of the pothole is that there will be no need for you, the employer, to hold educational enrollment meetings. These meetings are time consuming and cause employees to ask way too many questions of the insurance agent conducting the meetings.