General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsWhy is Experian, A Credit Agency, used to Verify Identities for Obamacare???
And if all they want is my ACA sign-in ID and the last 4 of my social, you'd think the Federal Government would have that. Hell the Feds have all 9 digits.
Curiouser and curiouser...
leftstreet
(36,109 posts)Experian and Symantecs two-factor credentialing solution selected by Centers for Medicare & Medicaid Services
Experian and Symantec continue to gain traction in the public sector
Costa Mesa, Calif. and Mountain View, Calif. Experian® and Symantec Corp. (NASDAQ: SYMC) today announced that the two-factor credentialing solution jointly developed by the companies was selected by the Centers for Medicare & Medicaid Services (CMS) to provide Enterprise Remote Identity Proofing (ERIP) and Multi-Factor Authentication (MFA) Credential Services in support of the Affordable Health Care Act (ACA). The Experian and Symantec solution will play a critical role in a $78 million contract that was awarded to Science Applications International Corporation (SAIC) providing CMS with an offering that helps them solve key challenges that arise in serving the nations large uninsured population.
The Experian and Symantec solution combines Experians identity proofing capabilities with the strong authentication capabilities of Symantecs Validation and ID Protection (VIP) Service to deliver secure online identity credentials. It will minimize the risk of fraud by providing more than 35 million U.S. citizens with secure online access to the State and Federal Health Insurance Exchange, while complying with electronic authentication guidelines in the National Institute of Standards and Technology (NIST) Special Publication SP 800-63-1 and achieving Level 3 Assurance.
http://www.experianplc.com/news/company-news/2012/14-03-2012.aspx
Fawke Em
(11,366 posts)I work in IT security and Experian leads the way in customer protection - even devising their own risk assessments based off the Payment Card Industry's standards - to protect that information.
My company actually checks the Experian checks - and they want us to because it decreases their risks of losing their reputation, losing customer information and losing in lawsuits.
I don't think Obamacare is using Experian to check credit. I think they're using their two-factor authentication model to protect customer information - something we should all be thankful for.
leftstreet
(36,109 posts)That would cover a few decent paying jobs for unemployed IT workers
Erose999
(5,624 posts)loan once at Wells Fargo and the bank manager pulled my credit report. Then I had charges come up on my bank account for 2 or 3 Experian services I didn't sign up for.
Fucking crooks took me for $40. And my bank account has been hacked several times besides that.
Fawke Em
(11,366 posts)CK_John
(10,005 posts)Demeter
(85,373 posts)Junkdrawer
(27,993 posts)Pun intended
Egalitarian Thug
(12,448 posts)KG
(28,751 posts)Lex
(34,108 posts)datasuspect
(26,591 posts)you get a seat at the corporate pig slop trough.
geek tragedy
(68,868 posts)FSogol
(45,488 posts)leftstreet
(36,109 posts)There are 1000s of skilled, experienced unemployed IT workers in the US
The ACA could have been part of a larger national Jobs Program
FSogol
(45,488 posts)leftstreet
(36,109 posts)It's private
I don't think your line of thinking is what you think it is
Both parties love privatizing
FSogol
(45,488 posts)in a totally different way? I personally like a program that insured 26 million of the uninsured, got rid of pre-existing conditions, and allowed my kids to stay on our plan until age 26.
While privatization is the current trend, the Democratic party has never promoted it. Until Congress funds the Govt at the levels required, privatization will be around. Hate it? Elect more Democrats.
leftstreet
(36,109 posts)I think the ACA is a huge step in the right direction for reform of an unregulated industry, and I believe these changes will be welcomed by all who currently have employer-provided insurance or can afford premiums
I disapprove of the individual mandate
seveneyes
(4,631 posts)Healthcare for all American citizens is a good thing. Identifying the bad parts of it and complaints of the inexcusable outsourcing of jobs to support it is legit. I'll also add that privatizing is not inherently bad or we would all be forced to drink government beer and other things that are better handled by private enterprises.
FSogol
(45,488 posts)not-for-profit. If the clowns at Accu-Weather attempt it, they are trying to make a profit, overpaying their doofus CEO and his unqualified relatives on the Board, compromising quality for profits, and paying idiots like Rick Santorum to lobby for them in Congress.
Guess which system costs more?
ProSense
(116,464 posts)People are complaining about a system that has been in place forever.
TX 2009:
http://www.fwisd.org/family/Documents/CHIP%20Medicaid%20App.%20English.pdf
WI 2003:
http://www.nytimes.com/packages/pdf/weekinreview/Wisc.hcf10101.pdf
The Affordable Care Act (ACA) makes a number of changes to simplify the Medicaid enrollment process. As part of these changes, beginning in 2014 all states will be required to use a single, streamlined application provided by the U.S. Secretary of Health and Human Services unless they receive approval to use an alternative application. A draft version of the streamlined application was released for public comment on January 28, 2013.
This analysis provides an overview of key elements of the proposed paper-based streamlined application and 85 current printable Medicaid and CHIP applications, with a focus on several areas, including: availability of application assistance; language accessibility; verification of income; verification of citizenship and immigration status and other messages for immigrant families; medical support requirements; and disability screening questions. While many individuals applying for health coverage in 2014 will likely use the online version of the streamlined application, it is difficult to analyze given its dynamic nature. However, review of these key elements on the paper-based application is largely applicable to the online version because it includes similar data requirements and language as the online version.
http://www.kff.org/medicaid/8409.cfm
CONCLUSION
As the streamlined application for 2014 is finalized, it will be important to achieve a balance that minimizes burdens on applicants while still collecting sufficient information to make quick and accurate determinations of eligibility. This analysis highlights wide variation in the language and approaches used to collect information on 85 current Medicaid and CHIP applications and HHS proposed streamlined paper application. It shows that some states have already achieved significant progress in streamlining their applications and addressing known enrollment barriers, but notes inconsistencies in these efforts across states and application types. In particular, many applications still require more extensive information and documentation than will be allowed in 2014, such as income documentation and questions related to medical support requirements. As such, implementation of the streamlined application will result in reduced requirements for families in many states. However, at the same time, the proposed application does not utilize some consumer-focused features and language designed to address enrollment barriers that have already been developed in some states, such as providing information on how to obtain language assistance, providing messages to encourage enrollment among immigrant families, and including language to help applicants identify conditions that might be considered a disability.
http://www.kff.org/medicaid/upload/8409.pdf
The draft application was released by CMS:
Supporting Statement for Data Collection to Support Eligibility Determinations for Insurance Affordability Programs and Enrollment through Affordable Insurance Exchanges, Medicaid and Childrens Health Insurance Program Agencies
http://www.medicaid.gov/State-Resource-Center/Events-and-Announcements/Downloads/508CMS-10440_Supporting_Statement_Part_A.pdf
http://www.cms.gov/Regulations-and-Guidance/Legislation/PaperworkReductionActof1995/PRA-Listing-Items/CMS-10440.html
The ACA is using a system already in place to verify identification.
seveneyes
(4,631 posts)Legacy is not always good, even though if cellphones used vacuum tubes you wouldn't need pocket warmers.
Junkdrawer
(27,993 posts)Project much?
enlightenment
(8,830 posts)always found the idea of private, for-profit companies having so much control over peoples' lives disturbing, I am really not happy to discover that they - like the for-profit insurance companies - have been made part and parcel of what many on DU call "the first step" toward universal health care.
Listening to NPR yesterday; they were discussing "credit reports" and "credit scores" and why people should keep an eye on them. One in five individuals will find an error on their credit report, they said - from a misspelled name to an incorrect address to erroneous charges. Given that it is exceedingly difficult to correct these reports, since these private, for-profit companies refuse to admit they are wrong, it was suggested that consumers should prioritize the mistakes and only "worry" about things that could cost them money or negatively effect their FICO score.
Good advice, I suppose, considering that these companies can make or break the choices you make in life - but when one of those companies is now serving as the sole arbiter of WHO you are, it changes that priority list just a bit. A misspelled name or incorrect address might become the barrier between you and the subsidy that will make it possible for you to afford your mandated insurance.
MisterP
(23,730 posts)enlightenment
(8,830 posts)"this is perfect and if you don't agree then you're just a hater/troll/ODS'er/etc" theme now.
KoKo
(84,711 posts)to verify income would be a way to stop the MEME that people who could afford health care on their own would be scamming the ACA?
IOWD's that the Repugs will find anyway they can to discredit the program, so having the income verified would push back on that MEME?
I'm not fond of Private Contractors handling Govt. operations...but, in this case, maybe it was the only way to go?
That's the hopeful view of why they are using these companies. I don't want to think about the "darker view." I'll stick with the hopeful until another explanation is revealed.
Junkdrawer
(27,993 posts)PoliticAverse
(26,366 posts)which you aren't if you have qualifying insurance available from your employer.
Yo_Mama
(8,303 posts)KoKo
(84,711 posts)and can be verified internally by the Govt./IRS.
Why was it thought that it would be faster or less expensive to verify using outside Credit Reporting instead of Govt. to identify?
PoliticAverse
(26,366 posts)Yo_Mama
(8,303 posts)This is going to cause a problem if so.
NYC_SKP
(68,644 posts)KoKo
(84,711 posts)Thanks for posting it.
DebJ
(7,699 posts)I don't get it.
KoKo
(84,711 posts)coverage. IOWDS if you make enough to afford your own health care.
BluegrassStateBlues
(881 posts)and a Silver Plan for my mom WHO HAS NEVER HAD HEALTH INSURANCE for $13.21.
People that are trying to dismantle this law through this kind of rhetoric can kindly go fuck themselves.
enlightenment
(8,830 posts)This is not a good way to speak to people on DU.
It's great that it worked well for you and your mother, but there are concerns and they will be discussed whether you want to join the discussion or not. This isn't about "dismantling" the law - it's about people discussing it.
Pretzel_Warrior
(8,361 posts)Which, intentional or not, is in the service of those who would shut it down.
enlightenment
(8,830 posts)But in this case, it is also about trying to shut down discussion, which is antithetical to democracy. Words on DU aren't going to make so much as a tiny ding in the ACA - and you know it - but trying to create a box on DU that all Dems have to fit inside in order to be considered good liberals is far more damaging.
Junkdrawer
(27,993 posts)with unnecessary complexities can do likewise.
BluegrassStateBlues
(881 posts)Junkdrawer
(27,993 posts)Was the IRS not available? They have a big IT structure I hear. And I've not heard about this much problem with online tax submissions.
VanillaRhapsody
(21,115 posts)PoliticAverse
(26,366 posts)VanillaRhapsody
(21,115 posts)its about verifying identity and salary...
PoliticAverse
(26,366 posts)from the IRS or Social Security administration:
http://www.cms.gov/CCIIO/Resources/Fact-Sheets-and-FAQs/Downloads/income-verification-8-5-2013.pdf
advance payments of the premium tax credit and cost-sharing reductions
A: Yes. According to 45 CFR
155.320(c)(3), Marketplaces will always use data from tax filings and
Social Security data to verify household income information provided on an application, and in many
cases, will also use current wage information that is available electronically. The multi-step process
begins when an application filer applies for insurance affordability programs (including advance
payments of the premium tax credit and cost-sharing reductions) through the Marketplace and affirms or
inputs their projected annual household income. The applicants inputted projected annual household
income is then compared with information available from the Internal Revenue Service (IRS) and Social
Security Administration (SSA). If the data submitted as part of the application cannot be verified using
IRS and SSA data, then the information is compared with wage information from employers provided
by Equifax. If Equifax data does not substantiate the inputted information, the Marketplace will request
an explanation or additional documentation to substantiate the applicants household income.
Gormy Cuss
(30,884 posts)to the government and have won contracts based on that.
The Federal government has your Social Security number and also has it tied to benefits receipt and employment history but that doesn't mean that they have the means or authority to unify cross-agency data files in order to create the identity reference data.
Because private sector companies have virtually unrestricted use of SSNs as identifiers they DO have identity references tied in this way. They can and do market this product back to the government and make money.
Many people are afraid that the government knows too much about them. What they should really fear is how much the largely unregulated private sector knows.
Junkdrawer
(27,993 posts)A government employee can go to jail for things the private sector does with impunity.
KoKo
(84,711 posts)income. The IRS should have been allowed to hire more employees to verify for the upcoming ACA.
Enrique
(27,461 posts)My guess is that that is essentially the issue.
B2G
(9,766 posts)Asking because as many times as people are trying to submit things, I'm concerned about repeated hit on the reports.
Might want to check. It's not a good thing to have a large number of inquiries on your report.
ProSense
(116,464 posts)A lack of understanding about the law, the way the system has worked, the changes, and pushing misinformation is not limited to the RW.
I mean, it's unbelievable how much wrong information is being pushed.
Junkdrawer
(27,993 posts)Funny, when I called the help number on healthcare.gov, they told me only Experian could resolve my problem.
http://www.democraticunderground.com/10023807029
ProSense
(116,464 posts)The fact is that the ACA is using a system already in place to verify identification.
http://www.democraticunderground.com/10023814540#post30
Junkdrawer
(27,993 posts)Enrique
(27,461 posts)I'm glad a good number of people haven't turned in their brains to Obama.
"I'm glad a good number of people haven't turned in their brains to Obama."
...being utterly uniformed means that you "haven't turned in their brains to Obama"?
jberryhill
(62,444 posts)The basic problem is that there is no uniform system for online digital ID verification.
http://www.cbsnews.com/8301-501465_162-20027837-501465.html
The Obama administration is currently drafting what it's calling the National Strategy for Trusted Identities in Cyberspace, which Locke said will be released by the president in the next few months. (An early version was publicly released last summer.)
"We are not talking about a national ID card," Locke said at the Stanford event. "We are not talking about a government-controlled system. What we are talking about is enhancing online security and privacy, and reducing and perhaps even eliminating the need to memorize a dozen passwords, through creation and use of more trusted digital identities."
The Commerce Department will be setting up a national program office to work on this project, Locke said.
Details about the "trusted identity" project are remarkably scarce. Last year's announcement referenced a possible forthcoming smart card or digital certificate that would prove that online users are who they say they are. These digital IDs would be offered to consumers by online vendors for financial transactions.
Schmidt stressed today that anonymity and pseudonymity will remain possible on the Internet. "I don't have to get a credential, if I don't want to," he said. There's no chance that "a centralized database will emerge," and "we need the private sector to lead the implementation of this," he said.
Jim Dempsey of the Center for Democracy and Technology, who spoke later at the event, said any Internet ID must be created by the private sector--and also voluntary and competitive.
"The government cannot create that identity infrastructure," Dempsey said. "If it tried to, it wouldn't be trusted."
Junkdrawer
(27,993 posts)jberryhill
(62,444 posts)There is not a uniform digital ID standard. I have an encryption certificate for submitting stuff to the US Patent and Trademark Office too, but absent a digital ID system for the population in general, there are few alternatives.