So what PDP plans do we have for new commissions in 2025, two plans from Humana, three from UHC, and three from Cigna? Cany anyone verify that all of these plans are going to be commissionable? If so, seems like Cigna would be the clear leader here for low-priced plans with their Saver plan.
Commissionable PDP's
- Thread starter Speck
- Start date
- Thread starter
- #2
Ok, so looks like according to this recent posting of Cigna's PDP plan prices, their Assurance or "middle" plan isn't going to be commissionable.
chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://cignamedicareproducers.com/Portal/Content/LMS/8618-20240821130630.pdf
By the way, if the MOOP for 2025 on these plans is capped at $2,000 which is supposed to include the deductible for the plan as well, provided the medications for clients are all on the plan's formulary, wouldn't it profit most clients to put them on the lowest-priced monthly plan premium out there??
chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://cignamedicareproducers.com/Portal/Content/LMS/8618-20240821130630.pdf
By the way, if the MOOP for 2025 on these plans is capped at $2,000 which is supposed to include the deductible for the plan as well, provided the medications for clients are all on the plan's formulary, wouldn't it profit most clients to put them on the lowest-priced monthly plan premium out there??
StevenjKSU
Expert
- 35
We have heard locally from our UHC and Humana reps that we can expect to be paid on their products as we have. I'm not sure on Cigna. Their MA product locally has not been strong here in KC, so we just don't have the relationship with them that we do the others.
These Cigna premiums are all over the board.
How can Assurance plan be $0 prem in AZ, and $95 in FL ?
The prem diff between the plans is too high, and more then covers the diff between the $175 ded and $590 ded. Lowest premiums will mathematically be the go to PDP.
How can Assurance plan be $0 prem in AZ, and $95 in FL ?
The prem diff between the plans is too high, and more then covers the diff between the $175 ded and $590 ded. Lowest premiums will mathematically be the go to PDP.
That's what I did this year with the cap ~ $3400. Wrote a handful with the Wellcare $0.50 plan.
WINNING!
FWIW, I don't look at commissions. If I do what is right for my client it all works out in the end.
It’s $12 in 2024. Not sure about next year.
Whoever spends all their time trying to figure out how to get clients in commissionable PDPs are going to lose
There will be no doughnut hole no real intangibles, It will not be all that hard to figure out what are the best options to where you can quickly tell people what will fit them
Just need to future out do I direct them to med.gov , direct to carrier
But I def don't want to be agent of record scope and all that for a plan I am not comp,
But to save time yet keep them happy and seek to use extra time for more profitable plans is the goal
There will be no doughnut hole no real intangibles, It will not be all that hard to figure out what are the best options to where you can quickly tell people what will fit them
Just need to future out do I direct them to med.gov , direct to carrier
But I def don't want to be agent of record scope and all that for a plan I am not comp,
But to save time yet keep them happy and seek to use extra time for more profitable plans is the goal
ValeRosso
Guru
- 604
Ill keep a list of all commissioned plans that Im contracted with, and if that plan is the best for the client, great.
If there's a better plan not commissionable, I'll let them know which plan is best, then direct them to the carrier to apply.
Great
but it going to be way more simple then ever before, and I am not going to waste my time talking about or enrolling PDP
Here is the best plan for you this is where and how you enroll
I am trying to help as many people effected by these changes as possible
are we looking at supp. lets do that or next
