DR OZ selected to head CMS by Trump 😳

[EckoRomeo]

I consider myself very proficient with the computer. In most cases involving insurance I don’t fully understand I am always on the phone talking with an agent. The younger generation is even dumber and have to be spoon fed everything. They scroll the computer but don’t use it to actually research or gain knowledge. Our jobs will be fine. People are getting dumber not smarter.

Exactly.

The vast majority of Americans could do their taxes themselves too. IRS even has a free service they can use. People still pay hundreds of dollars to have someone else do it for them. They can also go online and purchase almost all other common types of insurance themselves. Auto, life, ACA.

There have been several attempts to eliminate the agent. None have been remarkably successful. Remember Esurance? Lemonade?

Insurance is complex to most laypersons, and the vast number of options is intimidating. Most will always prefer the guidance of a knowledgeable professional.

The only real threat to our careers is singlepayer.

 

[PCBI]

Millions of Seniors Lose Their Medicare Advantage Coverage​

Millions of seniors lose their Medicare Advantage coverage

Millions of seniors have been told they'll need to find new plans this fall after private insurers cut plans in markets across the country.

www.newsweek.com

The IRA put pressure on providers by lowering their reimbursement rates which has led insurers to pull out of markets they feel are no longer economically feasible by which to operate

 

[straightnochaser]

Millions of Seniors Lose Their Medicare Advantage Coverage​

Millions of seniors lose their Medicare Advantage coverage

Millions of seniors have been told they'll need to find new plans this fall after private insurers cut plans in markets across the country.

www.newsweek.com

The IRA put pressure on providers by lowering their reimbursement rates which has led insurers to pull out of markets they feel are no longer economically feasible by which to operate

This dude has shared 25 articles all talking about the exact same thing.. go outside bro, touch some grass. Maybe get some exercise or something.

 

[Medicare bro]

Millions of Seniors Lose Their Medicare Advantage Coverage​

Millions of seniors lose their Medicare Advantage coverage

Millions of seniors have been told they'll need to find new plans this fall after private insurers cut plans in markets across the country.

www.newsweek.com

The IRA put pressure on providers by lowering their reimbursement rates which has led insurers to pull out of markets they feel are no longer economically feasible by which to operate

Are you sharing this stuff because you are upset or sharing to try and get people worked up? And if you are concerned what are you actively doing to help the cause? Or are you the kind of person that wants to watch the world burn?

 

[straightnochaser]

AHHHHH So Mecury and PCIB are the same person... get a life dude

 

[EckoRomeo]

Correct! one of the best articles yet!

Millions of seniors lose their Medicare Advantage coverage

Millions of seniors have been told they'll need to find new plans this fall after private insurers cut plans in markets across the country.

www.newsweek.com

"However, millions of seniors have been told they'll need to find new plans this fall after private insurers cut several plans amid changes under the Inflation Reduction Act (IRA)."

Where's the bad news? Sounds like an amazing opportunity to me.

 

[rmhaire]

"However, millions of seniors have been told they'll need to find new plans this fall after private insurers cut several plans amid changes under the Inflation Reduction Act (IRA)."

Where's the bad news? Sounds like an amazing opportunity to me.

Probably is if you're a rookie that's chasing low hanging fruit.

But for an established agent that's trying to maintain his book, it's nothing more than a PITA.

 

[goillini52]

We were already going back to Med Supps. Thank you Aetna for terminating the MAPD we have. Now I can get a Plan F for $70 less per month than I'd have to pay my old Med Supp company for Plan G.

 

[InsuranceGuy29]

Wrong. They have endless dollars for marketing and already have plenty of ammo for sales too. WTF are you talkn bout. 20 years has been a good run while interest rates have been 0% for a decade. Shit is hitting the fan and the last twi years are coming to fruition. Bankruptcies layoffs mortgage delinquencies. Its all here.

"FEAR...Be scared! FEAR....Be scared! FEAR.....Be scared!!!" God damn dude..... literally every single one of your posts. Give it a f*cking rest. People have been saying this same shit for 20 years. They are NEVER pivoting to solely inside sales.

In-house employees cost TONS of extra money, and are tons of extra liabilities. Why would you do that when you can just 10-99 independent agents, not give them any benefits, have zero extra liability, and they'll run wild and write your policies?? It completely defies logic and common sense. Maybe you never studied business, but that would be called "dumb."

Most policies for these companies are written by independent agents. People are also insanely more loyal to independent agents, as they have a personal relationship with them and are way more likely to stay with a company. Some random on the phone, direct from the company, is not retaining clients. I don't care how many people a call center signs up....they are not RETAINING them, which is the key to profitability.

Sorry some likely DEI hire inside Humana doesn't understand that, but Medicare Advantage is not some monolithic thing. There are many companies that are run very differently. Many people also stopped writing Humana because of questionable policies and stealing agents' clients.

You think that's gonna encourage agents to write them?? No. That's why their policies are not being written as much, for them specifically. There's a reason their business is struggling immensely right now....because it's not run well, and they shit on independent brokers sometimes.

 

[straightnochaser]

"FEAR...Be scared! FEAR....Be scared! FEAR.....Be scared!!!" God damn dude..... literally every single one of your posts. Give it a f*cking rest. People have been saying this same shit for 20 years. They are NEVER pivoting to solely inside sales.

In-house employees cost TONS of extra money, and are tons of extra liabilities. Why would you do that when you can just 10-99 independent agents, not give them any benefits, have zero extra liability, and they'll run wild and write your policies?? It completely defies logic and common sense. Maybe you never studied business, but that would be called "dumb."

Most policies for these companies are written by independent agents. People are also insanely more loyal to independent agents, as they have a personal relationship with them and are way more likely to stay with a company. Some random on the phone, direct from the company, is not retaining clients. I don't care how many people a call center signs up....they are not RETAINING them, which is the key to profitability.

Sorry some likely DEI hire inside Humana doesn't understand that, but Medicare Advantage is not some monolithic thing. There are many companies that are run very differently. Many people also stopped writing Humana because of questionable policies and stealing agents' clients.

You think that's gonna encourage agents to write them?? No. That's why their policies are not being written as much, for them specifically. There's a reason their business is struggling immensely right now....because it's not run well, and they shit on independent brokers sometimes.


This is the correct answer. Despite technology making things easier for people, it has made them immensely dumber. Most people can’t even be bothered to search Google anymore.

People want everything done for them, and everything spoon fed to them, nowadays. The average person I talk to is absolutely and totally 1,000,000% clueless about anything insurance, too.

I won’t even fault them on that topic, however, as it’s a very confusing field with a bazillion rules and laws that are ever-changing.

Occasionally I’ll come across a person who is going on Medicare and has their stuff together and knows what they’re talking about, but it’s a blue moon event,

These are people that are usually already business professionals in the legal field, or business management field. Something similar to ours, already. And even they still want me (the agent) to make sure they didn’t screws it up.

With insurance, it’s very hard to get accurate information that you 1,000% know you can trust for a fact, and know still applies in the current time period, even if you search it up.

It’s like trying to be your own lawyer. I mean, sure you could technically do it, but I wouldn’t recommend it at all, and it would be pretty stupid to try.

This stuff is easy to us because we do it every single day, 365 days a year, which is why the misconception exists among some that just because the technological tools are there, people can just do it themselves.

People are too scared about getting something wrong and screwing it up, many people nowadays are also way too entitled and just want everything done for them.

Many people are (not to sound arrogant) not exactly intelligent enough to even attempt it. You do need some brains for this field. There are many factors at play. Which is why agents will always be needed.

I put both his accounts on ignore. Much better