Any Suggestions for This Person

[mike6075]

I spoke to a gentleman who is paying $153 for his medd supp policy. He lives in Georgia, has plan J and is with Bankers Life. He has a feeding tube in his throat and had cancer. Any suggestions?

 

[timsip]

Are you looking to replace? What information are you specifically looking for? Does he want cheaper coverage?

 

[GreenSky]

I suggest he keep his plan. He's with exactly the type of plan (Med Supp) that makes sense for him.

He'd give up coverage by adding copays and potentially limit his access to providers if he went to an MA plan and due to health doesn't qualify for another Med Supp. except possibly for AARP.

Not worth moving the guy. Just let him get better if he can and not worry about the plan.

Rick

 

[timsip]

I suggest he keep his plan. He's with exactly the type of plan (Med Supp) that makes sense for him.

He'd give up coverage by adding copays and potentially limit his access to providers if he went to an MA plan and due to health doesn't qualify for another Med Supp. except possibly for AARP.

Not worth moving the guy. Just let him get better if he can and not worry about the plan.

Rick

Rick is right, if that was the help you were looking for (replacement) from what I can tell, AARP is the (or one of the only) options due to underwriting, and even then, his premiums likely would go up.

Unless we are reading your line of questioning wrong, if so, please let us know.

 

[medicarebenefitsdirect]

I would definitely not touch his coverage!

 

[asher]

I wrote over 200 SH apps during AEP what's the best commission I can negotiate for today? 5/1/2010.
I wasn't aware I could get a better contract. Pls advise.

 

[Longtimeagent]

I spoke to a gentleman who is paying $153 for his medd supp policy. He lives in Georgia, has plan J and is with Bankers Life. He has a feeding tube in his throat and had cancer. Any suggestions?

How old is he and when is his rate going to go up? How long has it been since he had cancer? Why does he have a feeding tube? That is a very low premium for a Bankers Life J plan. I saw a guy who's J plan went from 153 to 179 after his first year. If it is not too much of an issue then the new N plan from United of Omaha would be a good fit for him.
Its funny when people on here automatically assume that they can't help someone get a better deal. That is what we do as agents...ask questions until we have enough information to make a sensible recommendation to our prospects. Everyone started assuming he was trying to put him on an MA...outside of the OEP...and that AARP is an option, which it isn't. AARP is not going to be GI after 6/1/10. Here in GA there is one option and that is UoO and the N plan where he has no qualifications. Simply, get the facts and then recommend a product if it is suitable.

 

[Frank Stastny]

How old is he and when is his rate going to go up? How long has it been since he had cancer? Why does he have a feeding tube? That is a very low premium for a Bankers Life J plan. I saw a guy who's J plan went from 153 to 179 after his first year. If it is not too much of an issue then the new N plan from United of Omaha would be a good fit for him.
Its funny when people on here automatically assume that they can't help someone get a better deal. That is what we do as agents...ask questions until we have enough information to make a sensible recommendation to our prospects. Everyone started assuming he was trying to put him on an MA...outside of the OEP...and that AARP is an option, which it isn't. AARP is not going to be GI after 6/1/10. Here in GA there is one option and that is UoO and the N plan where he has no qualifications. Simply, get the facts and then recommend a product if it is suitable.

Spoken like a professional agent. The increase you stated is only the beginning of what is going to amount to substantial increases now that Plan J is not going to be available in another month.

Plan N in GA, depending on his zip code, starts at $113.59 per month for a male age 70. That's $472 less than he is paying now. Educate him and give him the facts. Help him make an intelligent, well informed decision. If you don't then another agent is going to.

I would be more than happy to accept him as a client if you aren't interested.

 

[jdeasy]

You guys do realize that this question was asked 8 months ago?

 

[GreenSky]

You guys do realize that this question was asked 8 months ago?

They can be forgiven as they are probably still hung over from Friday night.

Rick