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home : opinions :   June 25, 2016

11/20/2013 9:21:00 AM
Letters to the editor: Licensed insurance professional the best source of information on Affordable Care Act

In response to today’s Open Forum letter about the Affordable Care Act (Obamacare), I agree that the Kaiser Family Foundation website is a good resource for consumers. I would respectfully suggest, however, that your local insurance agent is an even better resource.

Insurance agents are licensed and regulated by the state Department of Insurance. We take prelicensing coursework, sit for an exam and take continuing education every year to maintain our licenses. Those of us who have gone the extra measure to get certified on the ACA Exchange (called The Marketplace) can help with the process from start to finish.

The government is paying Navigators to help consumers with Marketplace operations. They should be able to help apply for tax credits once the Marketplace is working properly, but they are not required to be licensed. They don’t even have to know anything about health insurance beyond basics like “what is a deductible.”

The fundamental changes taking place in the American health insurance markets are bewildering for most people. I encourage consumers to use all the resources at their command to help make sense of this. Your best resource, however, is probably the licensed, experienced insurance professional found right here in the community.

Peg Schulte,
River Valley Insurance Agency Inc.,
La Salle

Reader Comments

Posted: Thursday, November 21, 2013
Article comment by: METALWORKER

If, as you say, some have been certified on the ACA exchanges, why don't you?
In the back ground, right now, as I sit at this computer, Some jerk on the Fox News channel is saying that now it is said one may not keep your hospital.
Really. I am in my late 70's and over the last 50 or so years I have bee told by insurance co. that this or that Doctor or hospital was or is in or out of network which does not, I repeat, does not mean you cannot go there or see him or her.
It just means you have a larger co pay.
So If as you say U R the expert, WHY DO U NOT STAND UP AND TELL THE PEOPLE THE TRUTH. Why do U not set up booths in schools and malls and civic centers and tell people how this works sign people up.
I remember quit well when part D was passed one could not go into a drug store or pharma. with out some one trying to help one in signing up for part D.
For the most part , these were professional nurses and such. That went on for over a year in this area and I trust the same happened across the country and now people take Part D as having always been there.
You, as an insurance broker will sell ACA. You , as an insurance broker will make a living of off ACA. You as an insurance broker know jus how many dishonest brokers there were in the industry and how many dishonest people sold useless policies to young people.
You can now do the right thing and help young people and make a buck for yourself.
Tell me this though if you will.
Why should an agent, broker, insurance co. and stock holder all make a profit of off my premium before on penny goes towards my health care? Why is that?
Most of you will make as much, if not more than a nurse, doctor or hospital, and that ain't right
This is the only country in the indusr. world where so many make a profit of off health insurance before any health care is given.
Until Medicare I paid for my own insurance and so it changed often.

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