Got a call this morning from a nice gentleman whose wife, through whom the couple have their health insurance, is retiring, and due to the nature of the business (not-for-profit hospital system) said employer is not required to offer COBRA continuation. As such, they'll be losing this coverage when she pulls the trigger, and they're looking for an individual health insurance plan to be in place once that event occurs.
Regular readers know that, outside of Open Enrollment, there is no compensatoin available (at least here in The Buckeye State) for agents, and so there's really no way for us to help folks in these circumstances (I briefly considered, and quickly rejected, offering a Short Term Medical plan based on the caller's answers about their health). Now, I'll happily make an exception for existing agency clients, and those referred by colleagues, but I just can't afford to do so for call-ins.
I do feel bad about this, but the onus is on the carriers that choose not to compensate us for our efforts, and on the politicos and Departments of Insurance who turn a blind eye.
Shame on them!
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