Aetna Agent Contract: Fill & Download for Free

Just my opinion:Lincoln Heritage. Pricier but provides leads and pays immediate commissions. Provides access to reasonably priced health insurance for decent producers. Very agent friendly.Motorists Mutual. Good, inexpensive coverage.TransAmerica. Great range of reasonably priced policies. Has a bonus system for certain types of agents.Aetna/Continental Life. Good commissions and lots of options

Health information breaches can have serious consequences for both healthcare providers and their patients. Not only does patient information include a variety of personal identifying information (PII) that cyber criminals can use for identity theft such as name and address, date of birth, Social Security number, driver’s license number and insurance and financial account information, it also includes extremely private and personal information related to a patient’s physical condition, medical ailments, disabilities, smoking status, sexual behavior, drug or alcohol use, mental health concerns and more.In addition to the financial implications of a data breach, there are other less-often talked about ramifications such as damage to the reputations of both the provider and the patients. In the highly-publicized data breach of insurance giant Aetna in 2017, improper disclosure revealed the HIV status of over 11,000 individuals. Aetna agreed to a settlement of $17 million, but for the patients whose HIV status had suddenly been exposed, the damage had already been done.Risk management is important for every organization, and possibly more so for those in the healthcare realm. Any healthcare provider that utilizes a computer network, holds, transacts, processes and/or stores information or contracts with a vendor to do so on their behalf is at risk for a security/privacy exposure. Events such as the Aetna data breach make one thing clear: every business needs to be aware of risks like these, as well as devote additional attention toward mitigating IT risks and working with an agent who is an expert in healthcare compliance issues.If you need help with compliance with laws like HIPAA, feel free to look up HIPAA Ready By CloudApper.

I will not attempt to cover the many points that previous posters have offered. Their responses are for the most part a source of awe to fact junkies and presentation junkies, both of which I am. Our country is owes to these diligent people a debt it cannot repay.I will opt for a narrower scope — though it may not seem so. I want to look at the assertions in your sub-head:Insurance companies are bailing out because they are losing money. In a short-sighted view this is true-ish, but misleading: Insurance companies before Obamacare frequently “lost money” in the sense of finishing a fiscal year with their health products “in the red”. This happened because the companies typically offered loss-leader pricing to lure in new customers, followed by successive years of experience rating (premium increases) to put the premiums where they should have been when the policy was first offered. Insurance sales reps then came to the rescue of both the companies and the insured customers by “churning” the contracts from one insuror to another, so that the replacement company’s “loss-leader” pricing masked the actual premium cost that realistically was due. In that action, the sales reps and insured customers were protected by “Continuity of Coverage” laws: Continuity of Coverage statutes vary from state to state, but most of them permit the first insuror “X” to bail out of an ongoing claim for bills dated after the date that company’s contract lapsed — at which point the next insuror “Y” (the purchase of whose policy prompted the lapse of Company “X”’s original policy) picks up the claim processing in what is supposed to be a seamless transfer. Results of the system I have outlined were: a.) sales rep keeps a customer; b.) customer is unaware of the actual total accrued premium increase; c.) companies “X”, “Y”, “Z” et.al. get to play “hot potato” with risks which may be going sour. The other result of that system was that the insurance companies never developed the tools to properly assess risks (they simply re-priced the plan to cover their losses), and never did one useful thing to hold down the increasing cost of medical care. When the Pelosi Congress voted to pass Obamacare without The Public Option, they did so based on the pressure tactics of insurance industry lobbyists: Few if any of those “yes” voters had heard or considered the problem of the generational incompetence of the insurors. After all, they were profit-making businesses: They must know what they were doing — Right? Nope: If insurance companies were baseball teams, the only way any of them would get to first base would be to hire their own umps and lobby-up a two-foot base path.The financial difficulties of the insurors are partly a concoction (Google “ Aetna Humana merger “ to see how Aetna suddenly went all weak in the knees after its merger was blocked), and partly a result of the way insurors do business, as noted above. This “emergency” is now making headlines because it is a good negotiating tool or will be, if all the PR flacks, including the Republican Congress, do their job of fooling enough of the people enough of the time.For the reasons outlined above — not to mention the wonderful documentation posted by others who responded — your “excellent” pre-Obamacare insurance was a figment of your imagination and of Insurance Industry propaganda. Unless you were a senior decision-maker covered under a very large group contract, neither the agent nor the insuror had your interest, insurability, or welfare in mind at all. If you were insured on an individual basis — not as part of a group contract — any illness that rocked your boat might sink your acceptability in the eyes of an insuror. Big insurors do make mistakes in the customers’ favor, but those are mistakes, and are privately acknowledged as such by the insurors, so while anecdotal exceptions exist they are usually evened out in a policy cycle or two. Those who assert the “excellence” of pre-Obamacare policies were simply lucky enough to have walked between the raindrops.