Anyone with Ritter?

[Northeast Agent]

Baseball7 said:

I get away with not having contracts for those two carriers am I missing that much?

IBC now finally has a $0 premium PPO to compete with Aetna (and now Cigna). They sent a two-page detailed list of the reasons to use them for this plan. Some very valid points (larger in-network hospital system, a lot of drugs are on lower tiers compared to the competitition, less prior authorization, largest in-network PCP & specialist network across all five counties), I could go on and on.

I have several people on them for their HMO, but am starting to use Cigna's Alliance plan now as well, as it includes dental, too ($3,000 year). If they aren't a Dual, but have a SPAP they may also qualify for charity care at a hospital (like Jefferson) for the stay. So it's a good deal.

As far as Clover goes, I just certified with them for NJ as I have someone in Salem County on a SPAP I'm going to switch over next week to their $0 PPO. $0 for the PCP, $20 for the specialist. She'll probably be able to get hospital charity care, too. And they have another plan specifically for those getting LIS.

They had some issues in Atlantic County a couple years back with a health system, which have been resolved.

 

[Baseball7]

I live in Salem Co. NJ when are we having beer?

 

[Northeast Agent]

Baseball7 said:

I live in Salem Co. NJ when are we having beer?

I live in central Bucks County. The sticks, where you live is far and I only go there by referral. When I work NJ it's more central, like Hunterdon and Mercer Counties.

 

[Baseball7]

I grew up in Bucks Co, warminster to be exact.

 

[NAF1138]

Baseball7 said:

I live in Salem Co. NJ when are we having beer?

I live in central Bucks County. The sticks, where you live is far and I only go there by referral. When I work NJ it's more central, like Hunterdon and Mercer Counties.

I live in North Wales that's only 20 minutes.

Howdy!

 

[Northeast Agent]

NAF1138 said:

I live in North Wales that's only 20 minutes.

I'm in Chalfont Borough, so it's more like 10-15 minutes.

But I grew up near where Baseball7 is from, in Churchville.

 

[goillini52]

Baseball7 said:

I live in Salem Co. NJ when are we having beer?

I live in central Bucks County. The sticks, where you live is far and I only go there by referral. When I work NJ it's more central, like Hunterdon and Mercer Counties.

So...that's a no?

 

[Northeast Agent]

goillini52 said:

So...that's a no?

How far is too far to meet for a beer? You tell me.

And remember those confabs you, somarco and I've had? The ones about brunch, wine and mimosas? No mention of beer at all.

 

[SafePoliciesInc]

Not sure if Todd King can see this, what comm can you offer for the state of NY?
-------------------------
"Level 4" means nothing. That is one of the "levels" created by Ritter and means nothing to anyone but them. If those levels don't offer you around 115%-120% for FE, then no...it's not good levels. Better find out what the commission levels actually are.

 

[SafePoliciesInc]

NSRH
---------------------
Support is more important than commissions for most agents.

What support do you need? I am a mostly health/medicare insurance sales, so I run into a lot of people with cancer, it's a FE, so, these folk are buying because there are dying, or uninsurable, so I am not sure what supports (from who or what forms your are referring to).

Also, 115 gets me interested, I didn't know you can get so much. I always give out those leads to a FE guy who works together with me, & according to me, the comm is only 60%

Hence, when I saw 110%, I am like...

I have sold FE myself before, but do you have something like surLC where the client can sign the app online? I am interested in