When Governor Jim Edgar passed Kids Care in the mid-1990’s, I remember having lunch in the legislators’ dining room and telling her if he wanted it to really succeed, he would let insurance agents sell it.
Instead, Edgar and Blagojevich after him with his All Kids (which just allowed illegal aliens to access the same program Edgar instituted) relied on Public Health Departments.
Maybe you’ll think my view funny, but it seems to me someone with a profit motive will outdo one without one every time.
The McHenry County Board recently had a fight over whether to accept about a half million grant to pass out to various not-for-profit organizations to hire “navigators.”
The role navigators seem to play is that of an insurance agent, but without as much training.
The Chicago Tribune reported Friday that state government is going to give insurance agents, real “salespeople,” as a sub-headline says.
His argument made sense to me, but the Board reverses course, having rejected it the first time around, and approved the grant.
One paragraph from the Tribune story explains why insurance agents will do a better job than navigators:
“Unlike navigators, insurance agents can ask people specific questions about their health and then recommend a specific plan or insurer. Insurers pay agents on commissions sold, usually a percentage of the premiums.”
Of course, those outside of the business sector say that will result in people being oversold, just so the agent can make a bigger commission.
The article notes that agents get no commission for referring people to Medicaid.
Poor judgment seems to have been exercised by the Pat Quinn Administration as far as Obamacare enrollment goes.
The Tribune reports only about 25% of those eligible have signed up. Of those eligible, about 63% are employed.