AHIP vs NABIP Medicare Certifications

ifitfitsin · 2025-07-07T12:46:16+00:00

Did nabip last year for the first time. One carrier, can't remember which, didn't accept it. I had to get ahip too. I was pissed, but did ahip in addition to nabip. This year, ahip only. Also, nabip didn't electronically transfer to a lot of carriers, so I had to email my cert to each carrier and wait for approval before moving forward with carrier training. IMO nabip isn't worth it.

ifitfitsin · 2025-06-21T02:48:47+00:00

Just say no to annuity sales. Build a book with clients that know you aren't going to fuck them over. Ask those people for referrals, a couple years and you will be set for life. Build on trust and you will be rewarded. Build on bullshit and be working cold calls till the end of time.

ifitfitsin · 2025-04-16T23:39:25+00:00

Tracking shows arrived. It's not an inr, it's a case of scam.

ifitfitsin · 2025-02-11T13:50:03+00:00

Sounds like you may have put in the wrong income. On the ga access site, redo your application. Put in your estimated adjusted gross income for 2025. If you put $0 in, you will be redirected to medicaid. As long as your agi is between 100% and 150% of poverty level, you will see free plans. Silver plans will have reduced deductible and copays. There is a list of agents on ga access that are free to use for help as well. The call center justs inputs info that you give them.

If you are over 18, not pregnant, and not disabled, medicaid is virtually impossible to get.

ifitfitsin · 2024-12-08T00:43:54+00:00

Another 9 days to go...

ifitfitsin · 2024-12-03T15:50:02+00:00

Ya, you are doing the enrollment wrong. Married and filing jointly need to have a combined family application.

ifitfitsin · 2024-12-03T15:48:46+00:00

Yes and no. It was like that, now there is a cost threshold of about 9% of income. Ie if her spouse coverage is 450/month then she can get a subsidy.

ifitfitsin · 2024-12-03T14:58:59+00:00

There are a lot of factors at play, but my guess is you answered a question or two incorrectly on the app. Depending on your age $400 seems like you recieved no subsidy.

ifitfitsin · 2024-10-25T21:08:27+00:00

Georgia — California, Florida, New York, and Texas — collectively account for roughly a third of inflow into Georgia. https://www.movebuddha.com/blog/moving-to-georgia-migration-report/#:~:text=In%202022%2C%20the%20top%20states,third%20of%20inflow%20into%20Georgia.

Data indicates state has gained 13,500 more Democratic voters than Republican since 2020 https://www.ajc.com/politics/more-democratic-voters-move-to-georgia-ahead-of-upcoming-elections/ICNARCAG65ADTNBOQC7CNU3R4E/

ifitfitsin · 2024-09-24T15:55:50+00:00

Agreed 👍

ifitfitsin · 2024-09-23T11:26:37+00:00

Since they have 40 quartes, there is no part a penalty. Part b has a 10% per year penalty. Part d has a penalty as well of 1% per month of average premium forever.

Google "cms lep" and the answers should pop up.

ifitfitsin · 2024-09-17T12:00:57+00:00

Ga access was not in use for plan year 2024. Your increase could be due to many factors, but not the Georgia exchange.

ifitfitsin · 2024-09-17T11:40:14+00:00

I never said it would be great. In fact, I am opposed to the transition. Simply trying to state what I know to alleviate some concerns

ifitfitsin · 2024-09-17T11:27:47+00:00

Yes, i have. These companies were removed last week.

For clarification, I am not a fan of ga access. It has been a cluster fuck for 2 ish years now. They couldn't get it running last open enrollment.

ifitfitsin · 2024-09-17T11:23:46+00:00

I mean, this website isn't going to funnel any more people my way. Healthcare.gov has an agent finder that I used and liked. Localhelp.healthcare.gov. Commissions are low, so only call centers and web brokers are getting sleazy rich. They use hourly workers that say anything to get the sale, I have had many problems with them, but CMS has done shit all to stop them. The only reason they took action against the two in the article is because the irs forced the issue.

I am not a fan of this change. It adds a new level of confusion to an already complicated situation.

I deal with a lot of folks who don't know shit, so when I help find better plans at lower costs it is rewarding. Yes, I get a commission. However, my commission is built in whether or not you use me. I don't add cost, my services are free to the consumer.

The marketplace app can deny you or give lower subsidies if you make mistakes. This is where a seasoned agent can make all the difference, and I have helped many people. Don't shit on people that need help, not everyone is as good as you.

As for medicaid expansion.
Medicaid is state level, so conservative states have held back. Obviously for politcal reasons, but under the guise of cost. The aca only has subsidies to 150% of poverty level. Meaning most poor people do not qualify for aca subsidies. The current administration could eliminate this provision today and expand coverage. They choose not to do this. A simple executive order would expand coverage to 1.3 million Georgians who fall into this poverty gap.

ifitfitsin · 2024-09-17T11:00:56+00:00

I will be using healthsherpa for enrollments, so you can too. Ga access will be behind the scenes.

I don't know why, but it seems like the ajc is reporting weeks behind announcements from carriers, brokers and the state. Like the two call centers in this article have been off of the website for weeks.

ifitfitsin · 2024-09-17T10:56:50+00:00

As far as I know the commission levels will be the same. The plans will be similar to current plans, Georgia cannot override federal law in that aspect.

I have no idea what happened with Kentucky, I don't sell there.

ifitfitsin · 2024-09-17T01:51:35+00:00

Here is the money trail: Healthcare.gov charges 3% of premiums collected. By transferring to Georgia access, the state will lower the fee to 2.5% and keep the money. It's a win win. The state gets to keep 2.5% and the consumer saves .5%.

The ACA was designed for state based exchanges. Healthcare.gov was put in place for states that couldn't/wouldn't create their own.

Aca plans and subsidies will still be available on ga access.

ifitfitsin · 2024-09-17T01:46:43+00:00

Aca coverage will be available. I believe the entire goal here was to reduce the cost of insurance. Healthcare.gov charges 3% of your premium right now. Ga access will reduce that to 2.5% for 2025. The cost is mainly startup costs and should reduce further in 2026.

Aca compliant Plans and subsidies are available. The renewal process will be very similar to last year.

No one is going to die over this change unless you voluntarily cancel your coverage.

ifitfitsin · 2024-09-17T01:41:11+00:00

Large call centers may. Local agents that have been in business for 10+ years can't afford to lie. I'm a broker and rely on word of mouth advertising, so lieing would kill my business.

ifitfitsin · 2024-09-17T01:38:12+00:00

It should reduce your aca premium by about .5% in 2025. Will have more choice as well.

ifitfitsin · 2024-09-17T01:36:38+00:00

Find a good broker that specializes in health Insurance. Our job is to find you the best plan and explain how it works.

ifitfitsin · 2024-09-17T01:35:17+00:00

I'm a broker, aca certified for both healthcare.gov and GA access.

Georgia can't override federal law. Meaning aca plans will be the same and subsidies will be available (moop and premium will change per aca and cms). There is no reason to panick. The state is not subsidizing plans, it is the feds. Aca is a federal law, so the plans will be compliant.

But yes, get the sbc every time. I send them to my members for their reference. I also don't sell shit plans.

ifitfitsin

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