Hot Medicare News

[goillini52]

Great way of doing business, let the Dr. decide which plan they should choose. Maybe look up the Drs. for your client since you give them unbiased information and let them decide. Med Sup only agents give out more false information then agents who sell mostly MAPD's. Use every scare tactic available to get them to choose Med Sups. To each their own I guess. I will continue to offer both.

And how do you know that?

I'd call that false information.

 

[kgmom219]

Great way of doing business, let the Dr. decide which plan they should choose. Maybe look up the Drs. for your client since you give them unbiased information and let them decide. Med Sup only agents give out more false information then agents who sell mostly MAPD's. Use every scare tactic available to get them to choose Med Sups. To each their own I guess. I will continue to offer both.

Neither doc takes MAPD, but thanks for assuming I am lazy.

WHAT false info did I give? That she can't go to MD Anderson, except with the OON? That a 5 day stay for the planned hip replacement is going to cost her $325x5?
That she doesn't have dental, vision or hearing with Original Medicare and that buying it usually doesn't work dollars vs benefit?
That she can always go back to Advantage every fall for a January 1 effective date? But that after the first 12 months, she cannot get a supplement without underwriting?

Do tell. You were obviously on the call and know exactly what I said.

 

[LostDollar]

Bolding is mine, you'll have to expand the top post to see it.

BINGO.

Right there with you. We don't sell...we advise. I give people the option of the least expensive but they have to promise not to yell at me if they want to move later and cannot get through underwriting. Very few go that route. Cigna right now is passing out pretty bad increases and I had a call that started with "I promised not to yell at you but this increase is ridiculous."

"Yep. And you are on Eliquis now and can't get through UW. Want to move to an Advantage Plan this fall? Just do me a favor and speak with your doctors to confirm which ones they take. And if they say "XYZ", I need to know if its HMO/PPO or both." (Then the docs tell them they are nuts and we move on)

What I will do is move people 72+ from Blue to whatever is cheapest because at that age, saving $2K a year will make up the difference in 5 years. But most people I deal with don't care and say "Nah. I like Blue" I have moved a ton to the "new" UHC in the last 18 months but an equal amount still hate AARP and won't discuss it. Whatever. As long as mine name is on the app, I really don't care. (As long as they don't tell at me)

Both UHC and BCBSTX pay me lifetime commish, so that's equal. UHC is paying me significantly more on years 1-8, but....oh well. Life's tough in the big city.

Great way of doing business, let the Dr. decide which plan they should choose. Maybe look up the Drs. for your client since you give them unbiased information and let them decide. Med Sup only agents give out more false information then agents who sell mostly MAPD's. Use every scare tactic available to get them to choose Med Sups. To each their own I guess. I will continue to offer both.

Caveat, not an agent

You might have missed the part where she said they were on some medication that would not allow them to change Medigap plans. Seems to me like I have observed for 6 years that doctors are a major factor in MAPD, or MA, plan choices.

 

[Travis Price]

Bolding is mine, you'll have to expand the top post to see it.




Caveat, not an agent

You might have missed the part where she said they were on some medication that would not allow them to change Medigap plans. Seems to me like I have observed for 6 years that doctors are a major factor in MAPD, or MA, plan choices.

It's literally the whole damn point.. otherwise, you want to have them buy a policy from, and leave their doctor, Midevol??

 

[rousemark]

Great way of doing business, let the Dr. decide which plan they should choose. Maybe look up the Drs. for your client since you give them unbiased information and let them decide. Med Sup only agents give out more false information then agents who sell mostly MAPD's. Use every scare tactic available to get them to choose Med Sups. To each their own I guess. I will continue to offer both.

..
All I can say is thank goodness I did not have a MA the last couple of years. Four hospital stays, 2 each year for pneumonia along with my other maintenance issues.. Care to tell me how much I would be out of pocket? It was O with my Med Supp.. Since it is a plan G , I do have the deductible on part B expenses... Oh, and if i went I probably would have with the BCBS MA, I would have had to find me another EWNT because the one that treated me all through my cancer and subsequent years does not participate. But, that doesn't really matter to anyone..

 

[rousemark]

Bolding is mine, you'll have to expand the top post to see it.




Caveat, not an agent

You might have missed the part where she said they were on some medication that would not allow them to change Medigap plans. Seems to me like I have observed for 6 years that doctors are a major factor in MAPD, or MA, plan choices.

Just out of curiosity I checked the AARP MA Plans. I would have to change primary care provider, cardiologist, and radiation oncologist. Not willing to do that. The freedom to choose is worth paying the MS premium. No scare tactic to it. Of course midlevel and other MA purveyors would not make as much money selling me a med sup.

 

[Midlevel]

Oh no, I’m being attacked by all the Med Sup lovers. You guys keep doing you, in 10 years you will all be wondering how the business passed you all by. Keep telling yourselves all these falsehoods and pass them right along to all your poor clients. 70% MA by 2030 but they are terrible plans. Get your heads out do the sand.

 

[Midlevel]

Rousemark,

To answer your question you wouldn’t pay anything if you had an MA and a 400/day HI plan with GTL. Some people choose 400/day for 5 days. I had a lady that had a hip surgery and had 300.00/day up to 10 day hospital stay. She pays 30.64 premium for it and 0 for her MAPD. She kept getting infections and ended up in the hospital several times throughout the year and got $6000.00 of checks from GTL and max out of pocket on MA was $4500.00. She was really upset when she made $1500.00 by being in the hospital. Nobody talks about how a plan can work just fine if structured right. Obviously you wouldn’t sign up for a BC MA if your Dr wasn’t in network. A lot of you are like clients that come in and say all I know is I want nothing to do with MA plans. Once I show them both and show them Drs are in network, etc most choose MA. Not all as I do still right Med Sups if they aren’t comfortable with MA.

 

[rousemark]

Oh no, I’m being attacked by all the Med Sup lovers. You guys keep doing you, in 10 years you will all be wondering how the business passed you all by. Keep telling yourselves all these falsehoods and pass them right along to all your poor clients. 70% MA by 2030 but they are terrible plans. Get your heads out do the sand.

I don't sell it.. I am just a consumer.

 

[Midlevel]

Neither doc takes MAPD, but thanks for assuming I am lazy.

WHAT false info did I give? That she can't go to MD Anderson, except with the OON? That a 5 day stay for the planned hip replacement is going to cost her $325x5?
That she doesn't have dental, vision or hearing with Original Medicare and that buying it usually doesn't work dollars vs benefit?
That she can always go back to Advantage every fall for a January 1 effective date? But that after the first 12 months, she cannot get a supplement without underwriting?

Do tell. You were obviously on the call and know exactly what I said.

I wasn’t referring to you about giving them false information. I was talking in general a lot of agents do it to persuade them to Med Sups. But having Drs. tell clients to stay away from them is not the way to do business in my opinion. Like I’ve said many times all Drs, Hospitals, skilled nursing, etc want everyone on OM and Med Sups so they can do whatever they please like the good old days. I always tell clients to ask them if they are willing to pay their Med Sup premiums. So far no takers.