This is going to rock some people out there....Like Pelosi said, we have to pass it to find out what is in it.

Many people signing up for health care in Florida through the Affordable Care Act have been shocked when they have to give proof of their credit score before they finish the process. Anne Packham, one of many people licensed by the state to help people navigate the government's website, said on Tuesday that the credit check occurs so providers can make an educated decision about who to insure.

"If someone is defaulting on all of their bills they may not want to have them as part of their health plan," said Packham, the lead Navigator in Florida. Participants with low credit scores could end up paying higher premiums, according to Packham, who said that ultimately the insurance company makes the call.


http://kingfish1935.blogspot.com/2013/10...s-bad.html

Actually sounds reasonable that their credit scores would be taken into consideration. The proposed
insurance company is going to access that and use it, so if you have some companies that would not
insure them because of it, would eliminate those companies.

(10-10-2013 04:38 AM)GoApps70 Wrote:  Actually sounds reasonable that their credit scores would be taken into consideration. The proposed
insurance company is going to access that and use it, so if you have some companies that would not
insure them because of it, would eliminate those companies.

Oh, I totally agree. My point is that many that supported Obamacare won't be happy with having to worry about a credit score.

Providing proof? Is that just a SSN and permission to run a check, or is there more too it?

I suspect there will be a growing cottage industry of medical practice showing up, much of it clandestine. Some will be talented MDs, PAs, RNs...other will be quacks. All as the progressives send society back in time.

(10-10-2013 07:19 AM)DrTorch Wrote:  Providing proof? Is that just a SSN and permission to run a check, or is there more too it?

I suspect there will be a growing cottage industry of medical practice showing up, much of it clandestine. Some will be talented MDs, PAs, RNs...other will be quacks. All as the progressives send society back in time.

"they have to give proof of their credit score before they finish the process"

Doesn't really seem to say, but if they provide a copy of it seems as if it would be acceptable.
Probably these people are using Navigators, so providing a copy would be easier for them since they are not trained that well or probably familiar with credit reports that much.

(10-10-2013 08:01 AM)GoApps70 Wrote:  

(10-10-2013 07:19 AM)DrTorch Wrote:  Providing proof? Is that just a SSN and permission to run a check, or is there more too it?

I suspect there will be a growing cottage industry of medical practice showing up, much of it clandestine. Some will be talented MDs, PAs, RNs...other will be quacks. All as the progressives send society back in time.

"they have to give proof of their credit score before they finish the process"

Doesn't really seem to say, but if they provide a copy of it seems as if it would be acceptable.
Probably these people are using Navigators, so providing a copy would be easier for them since they are not trained that well or probably familiar with credit reports that much.

But that would seem to require a significant extra step, one that is open to more delays and fraud.

Shouldn't the doctors and hospital administrators be the ones they do a credit check on? It isn't the patients that will be committing insurance fraud. Your credit has zero bearing on your medical risk. They should be requiring a physical and use metrics such as weight, resting heart rate, blood pressure, alcohol consumption, and sexual preference, not credit score. No wonder the system has gone broke.

Insurance companies use credit scores as well as banks and mortgage companies when they do a home loan for you.
Many times insurance companies even call your neighbors or former neighbors to ask about you. May not be right, may not
be fair, but they do and always have. If they detect a pattern that seems bad to them then they may deny coverage for you
with their company. They do that to keep their risk factors down in issuing policies.

(10-10-2013 08:04 AM)DrTorch Wrote:  

(10-10-2013 08:01 AM)GoApps70 Wrote:  

(10-10-2013 07:19 AM)DrTorch Wrote:  Providing proof? Is that just a SSN and permission to run a check, or is there more too it?

I suspect there will be a growing cottage industry of medical practice showing up, much of it clandestine. Some will be talented MDs, PAs, RNs...other will be quacks. All as the progressives send society back in time.

"they have to give proof of their credit score before they finish the process"

Doesn't really seem to say, but if they provide a copy of it seems as if it would be acceptable.
Probably these people are using Navigators, so providing a copy would be easier for them since they are not trained that well or probably familiar with credit reports that much.

But that would seem to require a significant extra step, one that is open to more delays and fraud.

I agree, providing proof just opens up the door for fraud. Back in the day I just used a SS# to get one's credit score. It's the easiest way and cuts out any fraud.

I do believe checking credit scores is important though and glad it's part of the process.

(10-10-2013 08:15 AM)VA49er Wrote:  

(10-10-2013 08:04 AM)DrTorch Wrote:  

(10-10-2013 08:01 AM)GoApps70 Wrote:  

(10-10-2013 07:19 AM)DrTorch Wrote:  Providing proof? Is that just a SSN and permission to run a check, or is there more too it?

I suspect there will be a growing cottage industry of medical practice showing up, much of it clandestine. Some will be talented MDs, PAs, RNs...other will be quacks. All as the progressives send society back in time.

"they have to give proof of their credit score before they finish the process"

Doesn't really seem to say, but if they provide a copy of it seems as if it would be acceptable.
Probably these people are using Navigators, so providing a copy would be easier for them since they are not trained that well or probably familiar with credit reports that much.

But that would seem to require a significant extra step, one that is open to more delays and fraud.

I agree, providing proof just opens up the door for fraud. Back in the day I just used a SS# to get one's credit score. It's the easiest way and cuts out any fraud.

I do believe checking credit scores is important though and glad it's part of the process.

These Navigators may not be set up yet, or authorized to pull credit bureau reports. Could be that the credit agency would not set them up. Remember they did not have to get background checks so no telling what the Navigators history is like, so that could be one reason.

(10-10-2013 08:21 AM)GoApps70 Wrote:  

(10-10-2013 08:15 AM)VA49er Wrote:  

(10-10-2013 08:04 AM)DrTorch Wrote:  

(10-10-2013 08:01 AM)GoApps70 Wrote:  

(10-10-2013 07:19 AM)DrTorch Wrote:  Providing proof? Is that just a SSN and permission to run a check, or is there more too it?

I suspect there will be a growing cottage industry of medical practice showing up, much of it clandestine. Some will be talented MDs, PAs, RNs...other will be quacks. All as the progressives send society back in time.

"they have to give proof of their credit score before they finish the process"

Doesn't really seem to say, but if they provide a copy of it seems as if it would be acceptable.
Probably these people are using Navigators, so providing a copy would be easier for them since they are not trained that well or probably familiar with credit reports that much.

But that would seem to require a significant extra step, one that is open to more delays and fraud.

I agree, providing proof just opens up the door for fraud. Back in the day I just used a SS# to get one's credit score. It's the easiest way and cuts out any fraud.

I do believe checking credit scores is important though and glad it's part of the process.

These Navigators may not be set up yet, or authorized to pull credit bureau reports. Could be that the credit agency would not set them up. Remember they did not have to get background checks so no telling what the Navigators history is like, so that could be one reason.

Just another flaw in the process it seems. If credit checks were going to be required, all this mess should have been figured out ahead of time.

(10-10-2013 08:22 AM)VA49er Wrote:  

(10-10-2013 08:21 AM)GoApps70 Wrote:  

(10-10-2013 08:15 AM)VA49er Wrote:  

(10-10-2013 08:04 AM)DrTorch Wrote:  

(10-10-2013 08:01 AM)GoApps70 Wrote:  "they have to give proof of their credit score before they finish the process"

Doesn't really seem to say, but if they provide a copy of it seems as if it would be acceptable.
Probably these people are using Navigators, so providing a copy would be easier for them since they are not trained that well or probably familiar with credit reports that much.

But that would seem to require a significant extra step, one that is open to more delays and fraud.

I agree, providing proof just opens up the door for fraud. Back in the day I just used a SS# to get one's credit score. It's the easiest way and cuts out any fraud.

I do believe checking credit scores is important though and glad it's part of the process.

These Navigators may not be set up yet, or authorized to pull credit bureau reports. Could be that the credit agency would not set them up. Remember they did not have to get background checks so no telling what the Navigators history is like, so that could be one reason.

Just another flaw in the process it seems. If credit checks were going to be required, all this mess should have been figured out ahead of time.

Since they got a lot of those Navigators from Acorn, would imagine they were told to ask the potential enrollee to provide a credit report if they could not work it out with the credit agencies to do the reports themselves.
Do agree this should have been seamless compared to what it seems to have turned into.