Is This MAPD "churning"?

[SeniorInsuranceGuy]

If company A has $5 copay for primary doctors and specialists, $250 flat rate hospitalization, $10 generic and $35 brand with NO gap coverage and I move this person to company B (all other benefits being basically equal, give or take a few things to save space here) that features $0 to see primary doctors and specialists, $0 for hospitalization, $5 generic and $35 brand WITH gap coverage. This is NOT churning as it is beneficial to the client, sometimes dramatically, yet we are penalized since it is MAPD to MAPD.

Now....in trying to see both sides, I can see where it would be an administrative nightmare for the accepting company, or Medicare, to tell the difference and thereby give us first year commissions.

Thoughts? Experiences?

 

[GreenSky]

If you are receiving commission you are a greddy bastard and should lose your license. (I read something like that posted here previously).

There is no such thing as churning if it is to your client's benefit.

Rick

 

[SeniorInsuranceGuy]

Rick,

I'm only talking about the what the difference is between a first year and a renewal commission with regard to CMS definition of "churning" is all YOU ***! I've been doing this for 20 years and have helped hundreds of people and walked away from as many if I couldnt help them. Try decaf on a Sunday morning. If you dont have anything decent to say then stay the hell off the thread.

 

[GreenSky]

Rick,

I'm only talking about the what the difference is between a first year and a renewal commission with regard to CMS definition of "churning" is all YOU ***! I've been doing this for 20 years and have helped hundreds of people and walked away from as many if I couldnt help them. Try decaf on a Sunday morning. If you dont have anything decent to say then stay the hell off the thread.

Jesus Christ. You need to read more of this forum before you attack me. I was making a joke.

There is no difference in renewal vs new commission in a discussion about churning. If someone is currently in the MA "system" and you move them to another MA plan FOR ANY REASON you get the renewal commission.

I never said this was fair and in fact I think CMS is a bunch of morons. I think it takes more time to move someone to a more benefical plan than just to help them enroll the first time.

You want to modify your comment about "***?"

Rick
- - - - - - - - - - - - - - - - - -
I just re-read you post and title. You asked if this was churning, not if a reduced commission was fair.

You might want to see why I answered the way I did.

Rick

 

[Joe Moore]

If you are receiving commission you are a greddy bastard and should lose your license. (I read something like that posted here previously).

Rick

Darn, this guy has got you RATTLED Rick.
I have never seen a misspelled word by you. What does greddy mean? Is this a new cuss word?

You have hollered at me louder than you did at him, and I have not yet called you an ***!

I just noticed, he's also in CA. Is there a Duel in the making?

 

[jdeasy]

It would seem that the original poster is of the opinion that an agent would get full 1st year commission as long as CMS didn't see it as churning.

It doesn't matter if it's churning or not when it comes to the agent's commission. If they are new to MA, you get full 1st year commission. If they are not, you get half. Doesn't matter how good a job you did for the client, you get half. Now, your upline and the company will get full pay. What a wonderful system!!

 

[arnguy]

If you are receiving commission you are a greddy bastard and should lose your license. (I read something like that posted here previously).

There is no such thing as churning if it is to your client's benefit.

Rick

Rick, what kind of bastard is a greddy bastard?

 

[Joe Moore]

Rick, what kind of bastard is a greddy bastard?

arn,
Since Rick has left the building, I will try to answer for him.
I think a Greddy Bastard is a California Greedy Bastard (best guess I can make).

 

[Josh]

I just noticed, he's also in CA. Is there a Duel in the making?

Fight! Fight! Fight!... err... oh, just a little sarcasm taken the wrong way, I guess there's no need for violence.

 

[GreenSky]

arn,
Since Rick has left the building, I will try to answer for him.
I think a Greddy Bastard is a California Greedy Bastard (best guess I can make).

I want to thank both you and arnguy for pointing out that made a spelling airror.

I wish Chumps would teach me how to use spellcheck.

Rick