True Insanity.............

So I get a call from a client from the 2015 enrollment stating that she had major issues with the carrier she had this year and opted to go with another carrier for 2016.

She stated that she called HC.gov and the rep told her she could switch to this other carrier in her area. Client is a heavy useage consumer and mentioned having a neck surgery pending in January.

I asked her if the Navigator looked up Dr and scripts to which she stated no. So I asked if it would be ok for me to review the carrier and her app on HC.gov to which she stated yes.

In reviewing her application the Navi
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