On Tuesday and Wednesday, the government sent information to insurers listing everyone who had enrolled in a plan through the federal marketplace. Insurers are supposed to compare the information with their own records and with the daily reports they received from the government over the last 10 weeks.
Insurers said that they had found many discrepancies and errors and that the government was overstating the improvements in HealthCare.gov.
In some instances, they said, the federal government reported that the home address for a new policyholder was outside an insurer’s service area. In other cases, a child was listed as the main subscriber — the person responsible for paying premiums — and parents were listed as dependents.
In some cases, children were enrolled in a policy by the federal government and parents were left off, or vice versa. In other cases, the government mixed up the members of a family: A child or spouse was listed two or three times in the same application in late November. Such errors can have financial implications, increasing the amount of premiums that a family is required to pay.
While some of the problems were discovered in the last few days, insurers said that they had previously reported many of the errors to the “help desk” at the Centers for Medicare and Medicaid Services, and that the problems remained unresolved.
Federal officials, insurers and health care providers said they were concerned about confusion and possible chaos in the early days of January, when people try to use the new insurance coverage they believe they have.
The government’s overriding message to insurers is: Do whatever you have to do to maximize enrollment and to provide coverage by Jan. 1 to anyone who wants it. Federal health officials have told insurers that they can sort out the details and work out financial arrangements with the government later. (Full Story)