Our undercover representatives held 31 testing towards medical insurance sales representatives to judge their access to inaccurate practices, instance and come up with false comments in the visibility. Representatives told you that they had pre-current criteria, eg all forms of diabetes, and wanted visibility.
In the 8 evaluating, sales people involved with potentially deceptive strategies, such as saying new pre-current updates try safeguarded whenever package data files said if you don't. We referred this type of instances for the Federal Exchange Commission.
Inside 21 testing, agents referred all of our agencies so you're able to an appropriate plan. In 2 evaluation, agencies didn't seem to be inaccurate but have been unsure otherwise contradictory.
Exactly what GAO Located
GAO performed 30 covert testing in order to chosen sales people and you may said that people got pre-current criteria, such as diabetes otherwise heart disease, and then we questioned exposure for those requirements to find out if the new sales professional led GAO's undercover agencies so you can an intensive Diligent Safety and you may Sensible Worry Act (PPACA)-agreeable bundle, or a beneficial PPACA-exempt package that will not safeguards whatever you requested. Within such evaluating, GAO measured if or not sales representatives engaged in potentially deceptive means, including to make not the case or misleading statements in the exposure or omitting material information regarding visibility.
The outcome of your own covert testing varied of sales people rightly explaining to GAO's undercover representatives you to definitely good PPACA-exempt package would not safety new pre-established status the fresh undercover agents reported that that they had, to help you entering potentially deceptive sales means that distorted otherwise excluded information regarding these products they were selling. (more…)