💀 Medicare and Social Security Insolvency 💀

[Robduq23]

Wow! You guy's get your undies in a wad up in hear like the FEX folks...

All I know is that the media was trusted to get the election right... sooo I guess we should also trust them to get Trump's leadership pics and policy directions correct as well.

Keep drinking the kool-aid... a logical position for illogical thinking people.

Who are you referring to?

 

[Life Hawk]

Who are you referring to?

The first few post... a popcorn moment...

 

[DonP]

Way off on MAPD. Overall it’s about 2/3 external and 1/3 other. It wasn’t long ago that Humana said on an earnings call that just shy of half all sales came just from the big call center brokers.

That’s not what over read many times . I’m talking independent agents not call center agents

 

[MedicareWAA]

That’s not what over read many times . I’m talking independent agents not call center agents

Call centers are just an agent and NMO/IMO rolled into one … but more expensive for the carrier, both in terms of total money (incl soft dollars) and churn related waste. Not everything is public and easily read.

 

[MedicareWAA]

Once they realize the subsidies to run these programs are QT coming into effect watch how comp structures change. Agents have made massive profits off MAPD since 2000. No complaints. But when carriers are already doing customer service bc beneficiaries still call the 1 800 number on card they service all of them. This will set off the bean counters and say why are we paying agents when telesales can be done cheap right in house and get comp and cut 3/4s of these commissions overhead to brokers. They already put a fork in dental plans from brokers bc they throw free 1,000.00 dental now.

Its common sense this era of the broker is going bak to carrier agents. Im seeing it happen w my book of business. They are eager to re-enroll folks in a different plan when they call in asking questions.

I fought numerous times but then they changed the AOR rules. So I said Im not selling this product only take care of last of book biz . I see an end coming to the small fry broker.

This has been said/predicted for 20 years. Insurance agents aren’t going anywhere. Neither are MAPD and MSUPs. I agree that agents need to be nimble if any one product falls out of favor. That’s been true for 20 years, too.

I’ll add that carriers aren’t suddenly going to get good at direct to consumer sales and marketing, either.

 

[axeman462]

I think the market likes Dr oz

 

[InsuranceGuy29]

I read through a few of the posts, and not really sure about some of the assumptions, particularly about huffing paint. I didn't even know that was a thing nowadays.

I think appointing Dr. Oz is very strange. He's a Doctor and an entertainer. I'm sure there are many people way more qualified to be the head of a complex bureaucratic organization.

So far, it looks like the cabinet picks, and other presidential appointees are made for TV. I guess his admin is going to be something like watching the Apprentice.

The fact that someone happened to be on TV doesn't take away from the fact that they are also a competent professional at their job. Are there people that are more qualified out there? I'm sure there are. You could say that for any open job, but you have to find them, and also be personally compatible with them. Trump already knew him, has a great personal relationship with him, and they see things similarly. That's extremely important. At the end of the day, he is still extremely qualified for the position he was hired for.

Long read, but here are his qualifications......

"Dr. Oz earned the nomination of the Pennsylvania Republican party for the U.S. Senate in 2022. He is professor emeritus at Columbia University and led the heart institute at New York Presbyterian Medical Center with research interests including heart replacement surgery, minimally invasive surgery, complementary medicine and health care policy. He has received numerous patents, including creation of the famed Mitraclip to repair heart valves without surgery. He has authored over 400 original publications, book chapters, and medical books, and led The Good Life Magazine with Hearst for a decade. He created a newspaper column syndicated by Hearst in 175 markets internationally for 15 years.

Dr. Oz received his undergraduate degree from Harvard University (1982) and obtained a joint MD and MBA (1986) from the University of Pennsylvania School of Medicine and Wharton Business School. He was awarded the Captain’s Athletic Award for leadership in college and elected Class President twice followed by President of the Student Body during medical school. He lives in Pennsylvania with his wife Lisa of 38 years and has four children, Daphne (with husband John), Arabella, Zoe and Oliver (with wife Katie) and four grandchildren Philomena, John, Domenica and Giovanna.

Previously, Dr. Oz was a featured health expert on “The Oprah Winfrey Show” for six seasons, spanning over 60 episodes. He also served as chief medical consultant to Discovery Communications, where his “Transplant!” series won both a Freddie and a Silver Telly award. He also served as medical director of Denzel Washington’s “John Q” and performed in the hip-hop video “Everybody” as part of the Let’s Move Campaign as well as guest hosting Jeopardy.

Dr. Oz authored eight New York Times Best Sellers, including “You: The Owner’s Manual”, “You: The Smart Patient”, “YOU: On a Diet”, “YOU: Staying Young”, “YOU: Being Beautiful”, “YOU: Having a Baby”, “YOU: The Owner’s Manual for Teens”, “Food Can Fix It”, as well as the award-winning “Healing from the Heart”. His article “Retool, Reboot, and Rebuild” for Esquire magazine was awarded the 2009 National Magazine Award for Personal Service. He co-founded Sharecare.com which won “Best Medical App” award for AskMD in 2014 and its DoctorOz app was nominated for an Emmy in 2017.

In 2003, Dr Oz founded Healthcorps which emulates the Peacecorps by putting energetic recent college graduates into high schools around the country to teach diet, fitness, and mental resilience. He has raised $80 million to help nearly 3 million teens with this nationwide program.

In addition to belonging to every major professional society for heart surgeons, Dr. Oz has been named Time magazine’s 100 Most Influential People, Forbes’ most influential celebrity, Esquire magazine’s 75 Most Influential People of the 21st Century, Harvard’s 100 Most Influential Alumni, as well as receiving the Ellis Island Medal of Honor and AARP 50 Influential people over 50. He won the prestigious Gross Surgical Research Scholarship, and received an honorary doctorate from Istanbul University. He was voted “The Best and Brightest” by Esquire Magazine, a “Doctor of the Year” by Hippocrates magazine and “Healer of the Millennium” by Healthy Living magazine. Dr. Oz is annually elected as a highest quality physician by the Castle Connolly Guide as well as other major ranking groups. He is also an honorary police surgeon for New York City. He enjoys sports and has played in the celebrity NFL, MLB and NBA (twice) All-Star games."

I think pretty much no one would read that and go "Oh this guy is totally not qualified!" It's not like he's some quack fake TV doctor. He is extremely legit and very much qualified.

 

[InsuranceGuy29]

Current Clown Car. Let's be fair.

Yup.....Just remember, the people that are criticizing Trump's picks support this creature for lead health czar.

 

[Special Agent]

The fact that someone happened to be on TV doesn't take away from the fact that they are also a competent professional at their job. Are there people that are more qualified out there? I'm sure there are. You could say that for any open job, but you have to find them, and also be personally compatible with them. Trump already knew him, has a great personal relationship with him, and they see things similarly. That's extremely important. At the end of the day, he is still extremely qualified for the position he was hired for.

Long read, but here are his qualifications......

"Dr. Oz earned the nomination of the Pennsylvania Republican party for the U.S. Senate in 2022. He is professor emeritus at Columbia University and led the heart institute at New York Presbyterian Medical Center with research interests including heart replacement surgery, minimally invasive surgery, complementary medicine and health care policy. He has received numerous patents, including creation of the famed Mitraclip to repair heart valves without surgery. He has authored over 400 original publications, book chapters, and medical books, and led The Good Life Magazine with Hearst for a decade. He created a newspaper column syndicated by Hearst in 175 markets internationally for 15 years.

Dr. Oz received his undergraduate degree from Harvard University (1982) and obtained a joint MD and MBA (1986) from the University of Pennsylvania School of Medicine and Wharton Business School. He was awarded the Captain’s Athletic Award for leadership in college and elected Class President twice followed by President of the Student Body during medical school. He lives in Pennsylvania with his wife Lisa of 38 years and has four children, Daphne (with husband John), Arabella, Zoe and Oliver (with wife Katie) and four grandchildren Philomena, John, Domenica and Giovanna.

Previously, Dr. Oz was a featured health expert on “The Oprah Winfrey Show” for six seasons, spanning over 60 episodes. He also served as chief medical consultant to Discovery Communications, where his “Transplant!” series won both a Freddie and a Silver Telly award. He also served as medical director of Denzel Washington’s “John Q” and performed in the hip-hop video “Everybody” as part of the Let’s Move Campaign as well as guest hosting Jeopardy.

Dr. Oz authored eight New York Times Best Sellers, including “You: The Owner’s Manual”, “You: The Smart Patient”, “YOU: On a Diet”, “YOU: Staying Young”, “YOU: Being Beautiful”, “YOU: Having a Baby”, “YOU: The Owner’s Manual for Teens”, “Food Can Fix It”, as well as the award-winning “Healing from the Heart”. His article “Retool, Reboot, and Rebuild” for Esquire magazine was awarded the 2009 National Magazine Award for Personal Service. He co-founded Sharecare.com which won “Best Medical App” award for AskMD in 2014 and its DoctorOz app was nominated for an Emmy in 2017.

In 2003, Dr Oz founded Healthcorps which emulates the Peacecorps by putting energetic recent college graduates into high schools around the country to teach diet, fitness, and mental resilience. He has raised $80 million to help nearly 3 million teens with this nationwide program.

In addition to belonging to every major professional society for heart surgeons, Dr. Oz has been named Time magazine’s 100 Most Influential People, Forbes’ most influential celebrity, Esquire magazine’s 75 Most Influential People of the 21st Century, Harvard’s 100 Most Influential Alumni, as well as receiving the Ellis Island Medal of Honor and AARP 50 Influential people over 50. He won the prestigious Gross Surgical Research Scholarship, and received an honorary doctorate from Istanbul University. He was voted “The Best and Brightest” by Esquire Magazine, a “Doctor of the Year” by Hippocrates magazine and “Healer of the Millennium” by Healthy Living magazine. Dr. Oz is annually elected as a highest quality physician by the Castle Connolly Guide as well as other major ranking groups. He is also an honorary police surgeon for New York City. He enjoys sports and has played in the celebrity NFL, MLB and NBA (twice) All-Star games."

I think pretty much no one would read that and go "Oh this guy is totally not qualified!"

yes but the fact that he had the low morals to sell snake oil to peeps who trusted him disqualifies him for leadership position IMO - even if wasn't a friggin doctor .being a doctor makes it 10 times worse

 

[DonP]

Wrong. They have endless dollars for marketing and already have plenty of ammo for sales too. WTF are you talkn bout. 20 years has been a good run while interest rates have been 0% for a decade. Shit is hitting the fan and the last twi years are coming to fruition. Bankruptcies layoffs mortgage delinquencies. Its all here.

I’ll agree with this and Medicare waa is wrong . The reason I know this is uhc has blanketed my areas with mailers and I’ve gotten 40 calls from clients do they need to call . All these older people on Facebook now and respond to ads . United can take 1/3 those commission savings and blanket advertise all aep