CMS & Non-commissionable Plans

[JRivers]

Why don't YOU sit down with them? You're all high and mighty think you know everything. My dad wasn't on high price drugs. He had a lot of drugs that he was taking for a lot of health issues. Morning, noon and night. All day, everyday. Every year he fell in the donut hold. Maybe by changing the max out of pocket for seniors will help change the cost of drugs down the road to a more reasonable price. The cost on drugs is absolutely too high here in the US. Perhaps a little eye opening to pharmaceutical companies. We have to start somewhere...

 

[Evan]

Why don't YOU sit down with them? You're all high and mighty think you know everything. My dad wasn't on high price drugs. He had a lot of drugs that he was taking for a lot of health issues. Morning, noon and night. All day, everyday. Every year he fell in the donut hold. Maybe by changing the max out of pocket for seniors will help change the cost of drugs down the road to a more reasonable price. The cost on drugs is absolutely too high here in the US. Perhaps a little eye opening to pharmaceutical companies. We have to start somewhere...

Brother for the love of god please learn how to use paragraphs. Thanks..

 

[riders_onthestorm]

Problem with CMS is they really and truly have no clue what's actually going on in the insurance world, and how things function day-to-day. They actually thought carriers were "swaying us" with money to sign people up.

Ummmmm, you do realize they ALL give marketing money, right??? You can ask any company for it, and they'll grant it and work with you. They also thought the big carriers had a monopoly on most enrollments because of this. No, you morons.

It's because they're STABLE! Or at least they were before this year, when this goofy lib government decided to start f*cking with the program and them.

Agents/brokers don't want to sign their people up for unestablished plans that may or may not be insurance pump-and-dumps, where they are buying clients with super generous benefits, with the secret intention to sell off in a few short years.

We don't want to create massive headaches for our clients and ourselves. The people in CMS are not insurance people, and therefore they don't understand this. They're communist crony bureaucrats.

Love this!

 

[riders_onthestorm]

My dad was 91 when he past away. Tell me how many years did he fall into the "donut hole"? He paid well over $10,000 a year in Prescription Drugs. You mulitply that by millions of people on Medicare trying to stay afloat after trying to pay for their prescriptions. The Biden Administration- included in the Inflation Reduction Act included capping out of pocket costs to $2,000. Now if my dad was still alive, he would have had $8,000 more in his pocket at the end of any given year. This Act was to benefit the 65 and over crowd on Medicare. Now we can complain and moan about not receiving our $55 for renewals all you want. This is a drop in the bucket $$ in comparison to the cost savings for Medicare clients. One day many of you will turn 65. I'm there, already. Until then, find other supplemental products (hospital, cancer, etc. type products) to make up for your loss of your PDP commissions. It will be well worth it.

the other side of the coin is that the rest get taken to the cleaners and 1 in 10 save. Haven't seen the majority of clients here benefit... still time to go so I'll let you know if the entire direction takes a U-turn. You also sound like prick telling someone you pretty much should be grateful (....eventually if the master plan succeeds) for their loss of income, like it's a mandatory Salvation Army red can donation??? Furthermore one gander at the valuations of these 'cry me the blues' payors and you see numbers into the billions and tens of billions of dollars doesn't exactly inspire me that these greasy corporations give the slightest shit for the welfare of their members let alone the brokers. clearly. A drop in the bucket? If you have a child with a condition or your spouse gets ill, 5-8-10k a year would be to most wouldn't be considered a drop in the bucket.. hell if your single and it cuts into your beer budget thats NOT acceptable. I got a wedding coming up you got drop in the bucket for me.... Seems like logical fallacy to argue brokers shouldn't complain so the those who the 2k act will help will be able to afford the meds (don't forget all those on medicare now ***ed) I take stance the government shouldn't be a dumb ass just stay in their lane. Government makes nothing better actually it makes everything dumber, cant trust 200+ jackasses that can't even balance a budget.

 

[sshafran]

My dad was 91 when he past away. Tell me how many years did he fall into the "donut hole"? He paid well over $10,000 a year in Prescription Drugs. You mulitply that by millions of people on Medicare trying to stay afloat after trying to pay for their prescriptions. The Biden Administration- included in the Inflation Reduction Act included capping out of pocket costs to $2,000. Now if my dad was still alive, he would have had $8,000 more in his pocket at the end of any given year. This Act was to benefit the 65 and over crowd on Medicare. Now we can complain and moan about not receiving our $55 for renewals all you want. This is a drop in the bucket $$ in comparison to the cost savings for Medicare clients. One day many of you will turn 65. I'm there, already. Until then, find other supplemental products (hospital, cancer, etc. type products) to make up for your loss of your PDP commissions. It will be well worth it.

The Medicare program is already richer than intended, driven by vote purchasing by politicians.

The $2,000 cap is exactly that: Vote for Kamala because now you can get Ozempic for $645/yr.

Your dad probably saved money so he could afford out of pocket. He probably asked for generics. He probably questioned a doctor or two before filling $800/mo meds.

That type of thinking is better for America. Free Trulicity after a few hundred dollars is not.

If we (via taxes and debt) go full govt funded on healthcare costs in retirement, we'll dis-incentivize savings and encourage over-use of prescriptions.

In this industry no one is saying, hey, maybe seniors *should* pay more than $35 for insulin. You're a monster if you think they should. It baffles me.

Just like I think people on ACA should pay a premium.

Government subsidies do no good - they simply inflate.

 

[sshafran]

The Medicare program is already richer than intended, driven by vote purchasing by politicians.

The $2,000 cap is exactly that: Vote for Kamala because now you can get Ozempic for $645/yr.

Your dad probably saved money so he could afford out of pocket. He probably asked for generics. He probably questioned a doctor or two before filling $800/mo meds.

That type of thinking is better for America. Free Trulicity after a few hundred dollars is not.

If we (via taxes and debt) go full govt funded on healthcare costs in retirement, we'll dis-incentivize savings and encourage over-use of prescriptions.

In this industry no one is saying, hey, maybe seniors *should* pay more than $35 for insulin. You're a monster if you think they should. It baffles me.

Just like I think people on ACA should pay a premium.

Government subsidies do no good - they simply inflate.

Imagine, just for a minute, an insurance and medical system 100% supply and demand, with $0 spent by the government. Not income based unless the insurance carrier decided to make it income based (it's a free country after all).

 

[Evan]

The Medicare program is already richer than intended, driven by vote purchasing by politicians.

The $2,000 cap is exactly that: Vote for Kamala because now you can get Ozempic for $645/yr.

Your dad probably saved money so he could afford out of pocket. He probably asked for generics. He probably questioned a doctor or two before filling $800/mo meds.

That type of thinking is better for America. Free Trulicity after a few hundred dollars is not.

If we (via taxes and debt) go full govt funded on healthcare costs in retirement, we'll dis-incentivize savings and encourage over-use of prescriptions.

In this industry no one is saying, hey, maybe seniors *should* pay more than $35 for insulin. You're a monster if you think they should. It baffles me.

Just like I think people on ACA should pay a premium.

Government subsidies do no good - they simply inflate.

This....If people actually had to spend what they should on ACA plans with limited networks there would be riots on the streets.