- 4,707
$31,000 in excess charges??? Even in the 80's, prior to the "limiting charge" law, it was not possible to hit $31k. Just a scare tactic to use on seniors. 8 states prohibit balance billing for excess charges.
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Chemo and Excess Charges
- Thread starter somarco
- Start date
- 6,443
I thought somarco provided an example awhile back of a legitimate instance where significant excess charges existed- maybe something about a GA resident wanting to cross the state line into FL and go to a Mayo clinic?
- Thread starter
- #23
LD, I believe the example you reference did involve Mayo but not specifically xs charges.
This was a client with a Medigap plan F and had been in hospice for over a year. His wife took him off Medigap and enrolled him in an MA plan . . . to save money. I don't recall the number of claims or dollar amount but it was significant.
Changing him to MA would save monthly premium $$ but increase their OOP. The F plan he had did cover xs charges by Mayo but in this case, xs was not the issue.
This was a client with a Medigap plan F and had been in hospice for over a year. His wife took him off Medigap and enrolled him in an MA plan . . . to save money. I don't recall the number of claims or dollar amount but it was significant.
Changing him to MA would save monthly premium $$ but increase their OOP. The F plan he had did cover xs charges by Mayo but in this case, xs was not the issue.
- 6,443
Ok, thanks. I just remembered it wrong.
Thanks for pointing this out everyone... I had no idea that his approach was misleading. No good!!! And not the intent of the article at all. Integrity is always better than any sales tactic...
- Thread starter
- #26
No one blames you, but this does point out the difference in advice offered by someone who is experienced in this market vs a novice. And that is not being critical of you in any way.
I was not going to post the link until Todd made the request. This was not done to shame anyone but add some clarity.
Someone in this agent's upline should have a conversation with him.
We all make mistakes from time to time. Some people feel it is OK to embellish to make a sale even though the facts should be adequate.
