ESRD Regs/Medicare

Jul 2, 2019

  1. goillini52
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    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

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    Cancer, Dental/Vision/Hearing, Short Term Nursing Home, Home Health Care??? :unsure:
     
  2. goillini52
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    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

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    What an AssH0le. :twitchy:;)
     
  3. Travis Price
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    Travis Price Guru

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  4. kstein
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    kstein Guru

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    We'll have to agree to disagree. I believe in getting the most bang for your buck and if an insurer is kind/dumb enough to offer a decent plan at a decent price without answering health questions than that is on them. If it were me and my health was very poor at 65, I'd buy a Plan G and a fully loaded HI plan.

     
    kstein, Jul 10, 2019
    #44
  5. vic120
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    vic120 Guru

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    You could always supplement the plan G with a good MA plan with dental and vision that would also include an addition drug cov to supplement the PDP plan as well


    Funny thing is I did have one ask me to do just that one AEP
     
    vic120, Jul 10, 2019
    #45
  6. Travis Price
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    Travis Price Guru

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    It's not an agree to disagree issue. It's a principle of insurance. You're having your clients game the system for profit. That causes issues with claims experience, Medicare funds, Medigap claims experience.

    Insurance company is going to be profitable despite the overinsurance. Your client and everyone in the risk pool are the ones that pay for it.
     
  7. StephanieCJ
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    StephanieCJ Super Genius

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    He doesn't care. It's all in a commission check to him...
     
  8. Travis Price
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    Travis Price Guru

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    I don't want to be a jerk about it. I think it's a little short sighted, but I'm not the insurance police, so my thoughts on it is really irrelevant.
     
  9. goillini52
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    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

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    If this type of coverage wasn't good for the policyholders, do you really think the insurance companies would offer it? :wacko:;)
     
  10. Travis Price
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    Travis Price Guru

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    I don't think Hospital Indemnity is bad. I think the agents application of it in this case is problematic.. HOWEVER, I'm just some idiot on an internet forum..
     
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