Different products with different IMO’s?

[Newby]

My point about cross selling Med Supps to FE clients, is that many of the FE clients can't afford Med Supps. That's why so many FE guys are pushing 0 premium MA plans on them.

I don't see us as pushing 0 premium MAs. We recommend offering both and you will find that many FE clients are ONLY interested in zero premium MAs but a smaller portion of FE clients (yes even the poor ones) will only consider Med Sups. I've even sold Plan N Med Sups to people with low the income subsidy. Would not take an Advantage Plan.

FE agents like all Med Sup agents need to offer both and sell them what the person wants NOT what the agent wants to push.

 

[goillini52]

I don't see us as pushing 0 premium MAs. We recommend offering both and you will find that many FE clients are ONLY interested in zero premium MAs but a smaller portion of FE clients (yes even the poor ones) will only consider Med Sups. I've even sold Plan N Med Sups to people with low the income subsidy. Would not take an Advantage Plan.

FE agents like all Med Sup agents need to offer both and sell them what the person wants NOT what the agent wants to push.

I think you know what I'm talking about. It's been openly discussed on here. I wasn't referring to you when I said it, because I know you/Fex focus on FE, and I haven't heard of you doing it.

 

[Todd King]

It's very easy to do FE wrong. Just follow any new agent with no training around for a day. They will sell GI to people with the chicken pox. They will try to go fully underwritten on cases that will be table 22. But the chargebacks come from the square pegs in the round holes like putting insulin diabetics with Trans Standard and the next agent is going to easily offer them a way better price with a company that takes diabetics preferred.

You didn't give that question much thought Todd. You know this stuff.

Well, in all honesty, I didn't realize when you said "sell it wrong" you actually meant, "unless the agent is dumb as a box of rocks and cares nothing for their client"! LOL