It's definitely not low performing. It's brand new. Humana rep told us it's a new plan that's being tested and non commissionable.
AETNA SUPPRESSING PLANS ON NOVEMBER 1st, you won't get paid after that for the plans listed below: MOSTLY MD,VA, NY, AND SOME OTHERS
- Thread starter FMOadvisor
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It's definitely not low performing. It's brand new. Humana rep told us it's a new plan that's being tested and non commissionable.
Interesting, did he tell you why they are testing it as non-commissionable?
Not really. Just to see how it does. It's BS. They probably want to see how it does without agent help.
Medicare bro
Super Genius
- 249
Our local Vice President of sales at Humana told me point blank to my face 3 months ago Humana is doing everything they can to phase out agents. He said in 2023 they received more enrollments from Medicare.gov and Humana.com than from Agent enrollments.
InsuranceGuy29
Guru
- 842
Medicare is not a free market. It's a Federal program with our tax dollars, and rules. Im not a big government guy and im not a big corporation guy.
I'm a common sense guy who judges each individual situation by the unique variables involved.
Sometimes government intervention is needed and sometimes it's not. If you let government go wild without any checks, they go insane, and same applies to big corporations.
It makes zero sense to have non-commisionable plans and is only setting seniors up to get the short end of the stick. If these carriers don't think a plan is good enough for a commission, then just axe the plan.
We agents are being set up with these plans. Seniors very much need a LOT of agent help, and if this keeps going, they aren't gonna get it, and if they do, it's not gonna be good.
Just like any other program with rules, the rule should be that if you want to offer plans, then agent pay comes along with that. Period.
It's not like we're out here making a ton of money off each person. It's absolutely ridiculous that they don't pay us on some plans.
They could pay us easily with a damn $1 extra on a copay. With this attitude, you guys are gonna "free market" your way right out of a job.
InsuranceGuy29
Guru
- 842
I'm not doubting you, but what's his name? I'd love to have a chat with him and inform him that I'm never writing another Humana policy as long as I live and I'll be spreading the word to every agent and client I know to stay away from Humana.
If we don't start holding these companies/people accountable and scare the sh*t out of them, they're gonna try to phase us all out.
It's stupid, because Humana is just very tight for money and are therefore convincing themselves that agents are an afterthought, but even if they phased us out for a few years, and then realized their mistake and brought us back, hypothetically, most of us would be wiped out.
Gotta get ahead of this crap. We need way more allies in the C-Suites if these companies and inside the government and CMS. If they treated agents better, they'd have a WHOLE lot more enrollments from agents, but other companies are benefitting from their idiocy.
These (usually) unqualified C-Suite morons forget that agents have LARGE followings, and huge networks of people that like us and trust our professional advice and opinions on which insurance company to go with. If you're good to us, you'll be swimming in way more business, but common sense is a lost art in today's world.
They don't understand that we are always ALL paying very close attention to how they treat us, and we are always communicating.
I remember about 7 years ago, I wrote some business with Humana and then a few of them got swiped by their in-house agents. I was like "WTF!!!!" Since then, they made the agent pledge, to not have their agents steal our business, but it always rubbed me the wrong way.
I have since avoided them, unless it's absolutely necessary, because I don't trust them much.
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Good for them, I'm doing everything I can do to not write them
Then you'll basically be writing nobody but smaller regionals if there even in your area . Devoted's obviously been buying business the last few yrs . It's a matter of time until the hachet falls on them and they retrench big . United although a great company could care less if they had agents . Whether there's agents or not seniors still must have health ins . 95% will buy no matter if there's an agent or not . I agree an agent crazy important to the client . But the client will buy whether direct to company or not . Ive fielded 5 times as many calls this yr than last about " $2k for seniors " facebook ads . Seniors are pressing these buttons and being enrolled . I keep seeing on Facebook about agents uniting to fight the taking shape reduced agent comp . No doubt marketing money was tougher to get this yr . Some carriers made it back end . Let's see your #'s Jan 1st and if you do this many well give you this much per app . Agents are naive to think with this big retrenchment going in everyone not effected
Devoted already screwed the pooch in FL. I only have 30 with them but a lot of them want off the plan. Most of my companies got a little worse. Devoted got 5x worse in FL.
We all know many benefits got worse . Like United pulled comprehensive dental on many existing popular plans and introduced new plans with much higher copays with dental .Outside Fla moops on popular plans that were $5k or $6900 went to $9300. Copays for many plans on hospital went from $300 a day to $390 . Out patient surgery $320 to $390 . That's 10-20% increases . Med sups feeling the heat with 10-20% rate increases and crummy pdp's . Hospitals retrenching on mapd not only because of carrier reimbursement fighting but because patients not paying their hospital copays and coins . Hospital debt is piling up .
