Help Medicare Supplement

[Frank Stastny]

I know SAI and he's no Frank Stastny!

Rick

He probably thanks God every morning when he wakes up for that.

 

[timsip]

I believe you are correct. I have never heard of an area where AARP is genuinely GI. GI is no health questions and the company must issue the policy even if the person has ESRD and is in the hospital. An agent can write a policy on that person.

Under certain circumstances every Med Supp policy can be GI. I do believe that there are some states, I think Michigan is an example, where BC&BS may not have any health questions on their app. I'm sure someone from there will set the record straight.

It is important in the senior market to know what Open Enrollment and Guaranteed Issue are and the difference between them.

SAI does know the difference and was just generalizing. I knew what he meant.

I am sure that is what he was referring to, but I wanted to make sure to clarify for those that are new to the market so they didn't go out and tell clients the wrong thing. As we discussed the other day on the phone, the internet is a great tool for information, but you have to be able to know what is good and what is bad, and what is mis-worded, such as in this instance. I don't think anything malicious was intended, simply a choice of words that can mean something different to other people.

 

[hope33709]

I will say this, you all have answered my questions most adequately, I thank you all very much.
This lady has become a great client. I felt bad at first for advising her to do a MA plan, but we didn't know the shots and some treatments were not fully covered. I would think if she was done with the worst part of the treatments, that now it would be cheaper to have the MA plan. The only big cost now will be the heart pills at $300.00 per month, but they are going to try to find some kind of assistance for that.

 

[jsanchez001]

Keep in mind that with AARP you can get her in, but will have a pre-x for 3 months (in NJ anyways).

Good luck,
Joe

 

[senior-advisor-indiana]

GI means gauranteed issue. I guess I shouldnt have said GI because it isn't completely GI. Sorry. I do wish I had Franks's brain and Rick's money.

 

[Frank Stastny]

GI means gauranteed issue. I guess I shouldnt have said GI because it isn't completely GI. Sorry. I do wish I had Franks's brain and Rick's money.

I wish I had Rick's money too, and yours.