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Broker Referral Program and Web-Based Entity Pilot

Broker Referral Program and Web-Based Entity Pilot. Maryland Health Benefit Exchange Board Meeting January 26, 2014 Carolyn A. Quattrocki Interim Executive Director,. Broker Referral Program. Partnership Proposal

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Broker Referral Program and Web-Based Entity Pilot

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  1. Broker Referral Program and Web-Based Entity Pilot Maryland Health Benefit Exchange Board Meeting January 26, 2014 Carolyn A. Quattrocki Interim Executive Director,

  2. Broker Referral Program Partnership Proposal • Offer from the National Association of Insurance & Financial Advisors of Maryland (NAIFA MD), the Maryland Association of Health Underwriters (MAHU), and the Insurance Agents & Brokers Service Group (IA&B). • Approximately 55 brokers have volunteered to accept referrals from consumers who want the assistance of a local insurance broker in navigating the website and/or enrolling directly with carriers. • Participating brokers are licensed insurance producers and authorized to sell qualified health plans in the Exchange, and are geographically distributed throughout the State. • Associations will fund and administer a hotline number for consumers to call; number will be available on Maryland Health Connection website. • Hotline: 877-304-9934410-268-6877

  3. Web-Based Entity Pilot Proposal Background • MHBE previously explored potential advantages of partnering with web-based entities (WBE) to increase enrollment; • WBE advisory group noted potential advantages of greater outreach efforts, particularly to young people, and innovation in plan selection; • MHBE cannot integrate its website with a WBE at this time, given current IT challenges. Potential Alternative Partnership • Consumer enters application information on WBE website; • Consumer receives estimated APTC subsidy calculation; • WBE enables consumer to make preliminary plan selection with a calculated premium, based on estimated APTC; • WBE sends application, estimated APTC, and preliminary plan selection to MHBE; • MHBE enters data into MHC website, and, if APTC, plan selection, and calculated premium match, enrolls the customer.

  4. Web-Based Entity Pilot Proposal Potential Value • Leverage marketing capabilities of WBE to reach individuals who might not otherwise seek insurance coverage through marylandhealthconnection.gov; • More likely successful for single individuals rather than households, since WBE application will not have dynamic elements and verifications of MHC. Recommendation for Pilot Proposal • MHBE should seek WBE for pilot partnership of up to 200 single individuals, with potential to extend further. • Issue Request for Proposals for pilot to begin March 1, 2014.

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