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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Who Can Assist Brokers in Covered California Enrollments?

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Question: Will a Broker be allowed to have his unlicensed staff be certified to enroll clients in CoveredCa. Other AEE,s employing assisters and navigators are unlicened.

Answer: No. Only, a California licensed agent or Assister can be certified by Covered California. Unlicensed agency staff may assist consumers but may not assist enrollments in Covered California. Furthermore, an agent may not employ employ or otherwise provide financial renumeration to certified assisters for enrollments in Covered California. In-person assisters and and navigators can only assist enrollments in the exchange on behalf of certified assister entities. They are not free to act independently.


Hot off the America’s Health Insurance Plans website — senators are challenging HHS and Secretary Sebellius over the minimal qualifications to be a Navigator or Assister. Read the full article here: http://www.benefitspro.com/2013/06/20/felons-as-new-ppaca-navigators

The decision to largely exclude licensed agents from acting those capacities has not escaped the attention of some in Congress. But they don’t have much authority or ability to effect any changes. At least the give us licensed persons the credit we deserve for our training, licensing, continuing education, professional liability insurance, and legal responsibilities to both the public we serve and the agencies that license us.

Great question…I’m assuming this implies to speaking with the actual clients and not the processing of the applications…correct?

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