Is It True?

[Jessica Durphy]

As of 6/1 the modernized supps start getting sold. The current books of business companies have will be closed... we call this a dead pool. No new money going into that book. Claims losses get higher as people leave for the modernized plans. That's why all of my open enrollment 2/1, 3/1, 4/1, 5/1 clients will be advised to switch to a modernized plan 6/1.

It's beer'thirty.

I've read the Medicare and You book through couple different times, and then did a lot of referring highligting major things..... BUT is there more on the Medicare.gov site about this that I can study more? Do you have any other places that may be another good place to study?

What I mainly sell are plan C's.... don't know if that matters or not.

 

[Jim Jenkins]

Jessica,

Do you offer contracts?

 

[GreenSky]

I've read the Medicare and You book through couple different times, and then did a lot of referring highligting major things..... BUT is there more on the Medicare.gov site about this that I can study more? Do you have any other places that may be another good place to study?

What I mainly sell are plan C's.... don't know if that matters or not.

Jessica -

Please don't take this that I'm attacking you but I'm just curious about something. You work for MR. Williams. Does he not help you with any questions? I would think that if you have a mentor, he could mentor you rather than those of us on the forum.

Maybe I'm wrong about the business releationship.

Rick

 

[Jessica Durphy]

Jessica,

Do you offer contracts?

No... not at all... I'm still learning....that was just a joke.
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Jessica -

Please don't take this that I'm attacking you but I'm just curious about something. You work for MR. Williams. Does he not help you with any questions? I would think that if you have a mentor, he could mentor you rather than those of us on the forum.

Maybe I'm wrong about the business releationship.

Rick

I understand you're not attacking me... I do work for Mr. Williams, he doesn't keep up with the newest "plans" or ideas of Medicare, simply because that's not his "preference".. he will sell one if he has to... or life insurance, only if and when he has to.. that's what my job is. Mr. Williams started out a Life agent, but quickly found that it wasn't his thing.. He's teaching me things daily when it comes to life insurance, and as far as training, I'm learning as I go. I LEARN BY SEEING/DOING AND ASKING QUESTIONS.... The Med Supps, I've done a lot of learning on my own, this forum, studying, talking to Frank, and just reading... Some of you may fault him for that, but sometimes the best way to learn is to just take the first step. I have the work ethic and fortitude to learn, I'm not lazy, I don't mind cold calling, I don't mind telling total strangers about what I do, I've "never met a stranger".....

Like I said, he doesn't keep up with the newest things going on with Medicare... that's what I'm supposed to be doing..well I'm trying...

Mr. Williams preferance in the insurance industry is the P&C portion.. he LOVES that.

He's an excellent boss.... and he helps me at any given time, if I can get a hold of him, and if he knows the answer. If not, I go to my broker or the forum. I figure you guys are the experts... so why not ask ya'll... that's why I ask so many questions.

 

[AtlantaLife&Health]

Jessica -

Please don't take this that I'm attacking you but I'm just curious about something. You work for MR. Williams. Does he not help you with any questions? I would think that if you have a mentor, he could mentor you rather than those of us on the forum.

Maybe I'm wrong about the business releationship.

Rick

Rick, I thought the same thing when she first hopped on the forum with questions. Where is Mr. Williams? Why is he overriding you? You should split and start your own agency. I heard you are offering contracts. Which companies do you have and what contract levels? Hook me up Jess.

 

[Jessica Durphy]

I thought that was what this forum was for... to ask questions when you didn't understand something or if you needed a little more understanding on a certain product or just in general...Maybe I've overloaded you guys... didin't mean to do that.

Guess I can take a hint...
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Rick, I thought the same thing when she first hopped on the forum with questions. Where is Mr. Williams? Why is he overriding you? You should split and start your own agency. I heard you are offering contracts. Which companies do you have and what contract levels? Hook me up Jess.

LOL... cute!

 

[sman]

Jessica, keep asking questions. Most all of us have someone who gets an override from us and we don't always ask them questions. Those that want to give you a hard time must not realize they don't have to respond to you at all. For some reason we sometimes like to get sarcastic and give others a hard time.

 

[Russ]

Jessica...you'll still have plan C to offer folks. How hard is it to study that? There's your studying.

As far as switching open enrollment cases effective 2-1, 3-1, 4-1, and 5-1....I'm not switching any of them. If they have plan C effective February 1st, 2010, why would I switch them?

"Here's one reason....Hospice benefit to be included as a basic benefit in all of the plans.This will now be considered a core benefit and will be a part of all of the new plans."......

Problem is, that will probably add money to the premium.

 

[Jessica Durphy]

Jessica, keep asking questions. Most all of us have someone who gets an override from us and we don't always ask them questions. Those that want to give you a hard time must not realize they don't have to respond to you at all. For some reason we sometimes like to get sarcastic and give others a hard time.

I don't think them guys were trying to give me a hard time... I just think they were asking a legitimate question.. My thoughts were to just simply step back and read the newest posts, and learn more by keeping my "fingers" still...than typing, asking tons of questions. BUT just so they know..... I don't think that they were trying to come down on me.. or give me a hard time!!!!!!!!
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Jessica...you'll still have plan C to offer folks. How hard is it to study that? There's your studying.

As far as switching open enrollment cases effective 2-1, 3-1, 4-1, and 5-1....I'm not switching any of them. If they have plan C effective February 1st, 2010, why would I switch them?

"Here's one reason....Hospice benefit to be included as a basic benefit in all of the plans.This will now be considered a core benefit and will be a part of all of the new plans."......

Problem is, that will probably add money to the premium.

Thanks Russ. My thoughts were that the previous posts were for those that are in the plans being elimiated.... correct, not my Plan C?! That's why I even mentioned it.

I sold (for my first AEP) a good 30 some Plan C's just in December... and about 15 for this month...a little nervous that they'll get a rate increase ALREADY... do you think I should "forewarn" them of the possible rate increase. They know it's going to increase every year... that's obvious, but with the company I write for, it's typically the month of their birthday. I'd hate them to call me up saying I lied to them about this!!

 

[Russ]

I don't think them guys were trying to give me a hard time... I just think they were asking a legitimate question.. My thoughts were to just simply step back and read the newest posts, and learn more by keeping my "fingers" still...than typing, asking tons of questions. BUT just so they know..... I don't think that they were trying to come down on me.. or give me a hard time!!!!!!!!
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Thanks Russ. My thoughts were that the previous posts were for those that are in the plans being elimiated.... correct, not my Plan C?! That's why I even mentioned it.

I sold (for my first AEP) a good 30 some Plan C's just in December... and about 15 for this month...a little nervous that they'll get a rate increase ALREADY... do you think I should "forewarn" them of the possible rate increase. They know it's going to increase every year... that's obvious, but with the company I write for, it's typically the month of their birthday. I'd hate them to call me up saying I lied to them about this!!

No one knows if their going to be going up right after June 1st, 2010. Heck, they may go up before then. Best to just lay low on telling them it's going to be increasing....real soon.

That's just my opinion.

EDIT>>>Do you live and work in an attained age state?