MedicareWAA
Guru
- 306
I disagree but if it happened, our industry would evolve. I bet we’d see a lot more fee based groups.
Eventually all Medicare non Commissionable
- Thread starter Robduq23
- Start date
If the agent ignores the number of oncologists, and oncology surgeons, the networks "may be" identical . . but I doubt it.
Networks are similar when looking at primary care, not so much when factoring in the specialties.
Same for looking at specialty hospitals . . . Sloan Kettering, Mayo, Cleveland Clinic, MD Anderson.
I have the receipts to prove my statements.
Networks are similar when looking at primary care, not so much when factoring in the specialties.
Same for looking at specialty hospitals . . . Sloan Kettering, Mayo, Cleveland Clinic, MD Anderson.
I have the receipts to prove my statements.
MedicareWAA
Guru
- 306
So explain it in an impartial way and let the client decide. I’m not claiming there’s anything from with supplements. I also know there’s nothing wrong with Advantage. Everyone has different needs and preferences.
Paying $175 a month for a supplement (plus a Part D plus dental) is not always appropriate or advantageous, but yeah, they could hypothetically go to cancer treatment centers of America if they hypothetically got cancer and hypothetically didn’t want to be treated at any of the many other very capable hospital systems with very fine cancer programs.
Guess what? For the average person, it’s very unlikely any of that shit will matter. If it matters to you, the client, then a supplement would be a wonderful coverage choice.
The client gets to decide. It doesn’t matter whether you or I would choose the same coverage.
Walter
My clients ALWAYS get to decide.
Take it or leave it.
Almost 100% take it.
Roughly half of people age 65 will be diagnosed with cancer before they die. Not all will die from cancer but they will have bills to pay.
It's not cheap.
I don't talk about dollars and cents, I talk about access to care. Something MA guys don't want to discuss.
If someone wants to talk about premiums I ask about the other side of the ledger.
Nothing wrong with saving premium dollars as long as you can pay the bills when they come due.
www.cancer.org
If you think I am biased, you are right. My wife's mother, father and brother died from cancer. Everyone of her father's siblings (7 of them) died from cancer. My mother's twin sister and older sister died from cancer.
Damn right I am biased.
If they want the no premium plan I let them walk . . . to an agent I know and trust.
No bullshit.
Take it or leave it.
Almost 100% take it.
Roughly half of people age 65 will be diagnosed with cancer before they die. Not all will die from cancer but they will have bills to pay.
It's not cheap.
I don't talk about dollars and cents, I talk about access to care. Something MA guys don't want to discuss.
If someone wants to talk about premiums I ask about the other side of the ledger.
Nothing wrong with saving premium dollars as long as you can pay the bills when they come due.
2024 Cancer Facts & Figures Cancer | 2024--First Year the US Expects More than 2M New Cases of Cancer
The American Cancer Society reports lower overall cancer death rates, yet incidence is increasing for many common cancers, including 6 of the top 10.
www.cancer.org
If you think I am biased, you are right. My wife's mother, father and brother died from cancer. Everyone of her father's siblings (7 of them) died from cancer. My mother's twin sister and older sister died from cancer.
Damn right I am biased.
If they want the no premium plan I let them walk . . . to an agent I know and trust.
No bullshit.
MedicareWAA
Guru
- 306
Hey, I guess as long as you tell your clients you are biased. Some clients like the arrogance.My clients ALWAYS get to decide.
Take it or leave it.
Almost 100% take it.
Roughly half of people age 65 will be diagnosed with cancer before they die. Not all will die from cancer but they will have bills to pay.
It's not cheap.
I don't talk about dollars and cents, I talk about access to care. Something MA guys don't want to discuss.
If someone wants to talk about premiums I ask about the other side of the ledger.
Nothing wrong with saving premium dollars as long as you can pay the bills when they come due.
2024 Cancer Facts & Figures Cancer | 2024--First Year the US Expects More than 2M New Cases of Cancer
The American Cancer Society reports lower overall cancer death rates, yet incidence is increasing for many common cancers, including 6 of the top 10.
If you think I am biased, you are right. My wife's mother, father and brother died from cancer. Everyone of her father's siblings (7 of them) died from cancer. My mother's twin sister and older sister died from cancer.
Damn right I am biased.
If they want the no premium plan I let them walk . . . to an agent I know and trust.
No bullshit.
Sorry you have a family history or cancer. That doesn’t mean every MA plan is bad when you get cancer.
Everyone that contacts me knows my "bias" in favor of OM + Medigap and almost all of them have the same feeling, and yet, they call anyway.
Many ask why are the MA plans heavily promoted and what are they not being told?
With regard to cancer, why do a number of agents tack on a cancer plan in their package sale? If the MA plan was so great their clients would have no need for a cancer plan.
How many oncologists and oncology surgeons are in network for the plans you sell? How many of those plans list Sloan Kettering, City of Hope, MD Anderson, etc as in network?
Many ask why are the MA plans heavily promoted and what are they not being told?
With regard to cancer, why do a number of agents tack on a cancer plan in their package sale? If the MA plan was so great their clients would have no need for a cancer plan.
How many oncologists and oncology surgeons are in network for the plans you sell? How many of those plans list Sloan Kettering, City of Hope, MD Anderson, etc as in network?
I would love to see a par provider list for an EGH plan that has the same SPECIALISTS in the MA plan as the EGH.
Also interested in seeing an MA provider list of SPECIALISTS that matches the Medicare Find a Doc list . .
www.medicare.gov
Also interested in seeing an MA provider list of SPECIALISTS that matches the Medicare Find a Doc list . .
Find Healthcare Providers: Compare Care Near You | Medicare
Find Medicare-approved providers near you & compare care quality for nursing homes, doctors, hospitals, hospice centers, more. Official Medicare site.
Probably for the same reason I always try to add a HI plan every time they decide to go with a MAPD. I know what's coming.
Hell, I’ll tack on a cancer plan to a Med Supp. You think people with med supps don’t have a lot of cost associated with cancer?
Yep.
My youngest son is a pharmacist at the local hospital. He's told me that his hands shake just before he goes to mix an iv bag for a cancer patient.
He said that he knows that one iv is going to cost someone over $10,000.
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