Career Direction Advice (Medicare)

[DonP]

There is NO way I’m taking a job working for anyone at $45,000.

If you put out any effort at all with FE and Medicare you will blow past that. And you work for YOU. That’s a huge difference in your life.

I agree and I disagree with this . Personally I believe with a 1099 you must net before taxes 2x what a w-2 with a good company makes .The w-2 will have health ins for his family at $400 or so a month vs $1500-$2 k a month on his on . 4 weeks combined vacation and sick days . He’ll have long and short term DI . He’ll have fica max which is worth 6.65% . He’ll have a good 401 k which on a $70 k salary could be $5 k min match .To net that $100 k in insurance will cost you $30 k in leads and car expense , gas min . Personally I think 90% of America much better off as w-2 Financially speaking

 

[goillini52]

How can you tell she's a bot?

It takes one to know one.

 

[siselyfed]

If you're considering heading into Medicare-related work, that’s a great direction. There are so many opportunities in healthcare, especially with an aging population.

 

[Newby]

If you're considering heading into Medicare-related work, that’s a great direction. There are so many opportunities in healthcare, especially with an aging population.

Speaking of (or to) bots, man those RoboRock vacuum cleaners do a great job. My favorite purchase of 2024.

 

[annon123]

They told me just find some senior centers/facilities and ask/offer to do seminars.

When you are thinking of senior centers what you do with them depends on the senior center, how upscale it is or not along with what else they have besides being a housing/apartment development aimed at the 55+ folks (the top of that is expensive houses with lots of perks/recereational facilities, etc., also having assisted living, nursing home and memory centers for people when/if needed, bottom of that is Senior Hud) and the extent to which many of the residents are cognitive impaired. You really have several different markets within senior centers.

The seniors at the bottom of the income heap (regardless of the area of the country they are usually in very small apartments - think around 525 or so sf, two or three rooms tops in HUD. Senior HUD is 55+ if you are disabled with SSD otherwise 62+) and are struggling financially. As a result they can be enticed to come to your seminar when you do something recreational with prizes (bingo is often the "bait" I see used around here) and offer food, scheduling it around lunch time and into the early afternoon or late morning through lunch.

You need to realize though that a number of people show up for the food and prizes. You'd need to start with one lure, do your talk and then do the second lure or many will leave after having eaten and bingo is over. Or they wait to show up through the food and prizes part so splitting those up will help with attendance. Some also combine this with helping them sign up for lifeline phones.

A lot of these folks sit around all day with very little to do, little money to do it with, and so are bored. The MAP extras matter a lot to them, including transportation, as generally that kind of stuff does make a financial difference to them. Your yield is going to be fairly low. In Senior HUD about half or so are dual eligible (although there are people there who had something bad happened that wiped them out financially and had that not happened they never would have even known how hud operated). While many have MAP's, there are a number with OM. Some of them have their kids' taking care of these kinds of decisions, many don't have family helping them and make their own decisions.

If you live in an area with Oak Street Clinics (there are probably other chains like that in other parts of the country but Oak Street has AARP plastered on their buildings and are in a number of states) they recruit at those places fairly aggressively and have MAP focused agents there too with tables (and they have their preferred agents there - not sure of the financial arrangement between them so you'd have to sweet talk Oak Street to find out how to get added - at one point they worked for OS but they also used insurance company specific agents with that company's banner and only sold that company's products - again not sure of the financial arragements).

At the other end of the economic spectrum in the 55+ places, living in those places you will have a number of fairly sophisticated people (due to the career success they needed to afford places like that) where far fewer are cognitively impaired (because the average age of people living there is much lower than Senior Hud and often the more frail and more cognitively impaired are off in a corner in facilities on site just for them - assisted living, etc.) and need to target them differently.

Some will be interested in general information as they are not yet 65. Others will want one on one to talk about their specific situation. Others would be interested in a range of products beyond OM + supps and MAP. You will have far fewer people sign up on the spot than in HUD. These folks may need far less enticement to show up (but refreshments that are a step above generic crap will send a message that you are not stereotyping old people and recognize they have had significant success in their lives) are and will appreciate more detailed handouts. While at the seminar setting up one on one appointments for later is going to be of interest to some of them but being pushy/aggressive is going to kill their interest.

And of course you have places aimed at people between the two financial spectrums. There are independent living only senior facilities (not senior hud) that are often apartment buildings, senior centers at city parks and rec, etc. I am sure there are people on here who know far more than I do about this. Just be sure to study your niche target markets well and not have generic seminars.