Med Supp Appointments/mentioning the C Option?

[yabadabadoo1026]

I know Frank who works the rural exclusively likely does not bring the C-plan option into his discussions. Do you others who may still have a preference for Sup even in non-rural areas even make mention of the Advantage option educating them on both with them making the decision which direction they want to go? I might think avoiding mention of lower price C plans might lose one some credibiliy with the prospects who are aware of them who might feel you are just working towards a bigger commission suggesting the much pricer Sup. with no communication other options. If they say they cant afford Sup and then you come back with the much less costing option then I think you look bad by not making it an option up front. I personally feel while I might suggest Sup is better that letting them make the decision with good understanding of the differences makes more sense and may be more consciencable.

For those who do mention the Cs as well to give the prospect the choice, from a CMS compliance standpoint can you discuss them while there on a Sup intended appt-------I thought the Scope was a preliminary to an intended C-plan visit to prevent cross selling of other product. Is a Scope needed if the appt was to discuss Sup and once there they want C-plan particulars then as well?

 

[jdeasy]

I know Frank who works the rural exclusively likely does not bring the C-plan option into his discussions. Do you others who may still have a preference for Sup even in non-rural areas even make mention of the Advantage option educating them on both with them making the decision which direction they want to go? I might think avoiding mention of lower price C plans might lose one some credibiliy with the prospects who are aware of them who might feel you are just working towards a bigger commission suggesting the much pricer Sup. with no communication other options. If they say they cant afford Sup and then you come back with the much less costing option then I think you look bad by not making it an option up front. I personally feel while I might suggest Sup is better that letting them make the decision with good understanding of the differences makes more sense and may be more consciencable.

For those who do mention the Cs as well to give the prospect the choice, from a CMS compliance standpoint can you discuss them while there on a Sup intended appt-------I thought the Scope was a preliminary to an intended C-plan visit to prevent cross selling of other product. Is a Scope needed if the appt was to discuss Sup and once there they want C-plan particulars then as well?

You cannot mention part C as an option if you set the appointment for med sup. If the client brings it up, you must get the SOA signed before you proceed. It is now legal to continue at the same appointment once they have signed the SOA. Some companies have rules as to how much time must pass that is more strict than CMS.

You would be advised to not skirt the rule that they have to bring it up. It would be very easy for you to bring it up and then tell them that they had to sign this silly form so that you coluld present all options, but, in the event of a later problem, they would rat you out in a heartbeat on CMS prompting.

Even though the 48 hour rule is no longer in effect, I, personally, would not discuss part C or D with anyone without waiting, at least, 48 hours. **** rolls downhill and I know where the agent's position is on that hill.

 

[LoriRutl]

I know Frank who works the rural exclusively likely does not bring the C-plan option into his discussions. Do you others who may still have a preference for Sup even in non-rural areas even make mention of the Advantage option educating them on both with them making the decision which direction they want to go? I might think avoiding mention of lower price C plans might lose one some credibiliy with the prospects who are aware of them who might feel you are just working towards a bigger commission suggesting the much pricer Sup. with no communication other options. If they say they cant afford Sup and then you come back with the much less costing option then I think you look bad by not making it an option up front. I personally feel while I might suggest Sup is better that letting them make the decision with good understanding of the differences makes more sense and may be more consciencable.

For those who do mention the Cs as well to give the prospect the choice, from a CMS compliance standpoint can you discuss them while there on a Sup intended appt-------I thought the Scope was a preliminary to an intended C-plan visit to prevent cross selling of other product. Is a Scope needed if the appt was to discuss Sup and once there they want C-plan particulars then as well?

I carry the "Scope of Appointment" with me on ALL appointments. If it is a Med Supp appointment and they can't afford it, I let them know there is another plan available and explain that I cannot discuss it unless I get the SOA signed. I explain what it is and that it is a CMS regulation. Never once have I had a problem with it, except that they may not be eligible for the MA until the fall. Even that hasn't been a problem. I usually write 10-15 MA's the first couple days of AEP.

 

[yabadabadoo1026]

I hear what you saying but if you purposely driving out to the country to pitch Supp that 48 hour wait even with a SOP sined there means a double trip out ----------guess if they called you after you returned home from a failed Sup sell that you could discuss with them on the phone to assure you going back out to write an enrollment.

This is case where the rules dont work to the benefit of the senior----------it prevents them from hearing both options on the Sup appt so they can make the best decision for themselfs--------if they later say "you never told me I had another viable option", the answer I was "not allowed to"---has to be a way to fully disclose for the seniors benefit and still comply?

I would think you should be able to take about C plans in general as part of your Supp meet but then just not go into plan specifics at that same meet???---tell them due to compliance thell have to call you to discuss on phone as a prelim to another meet

 

[G.Gordon]

Your fishing sucks.


No... even in the urban areas... I don't mention medicare PART... (NOT PLAN YOU DOLT!!!) C.

Medicare has parts. A. B. C. D.

Supplements come in plans.. a, b, c, etc.


GET IT! GOT IT? GOOD!!

 

[LoriRutl]

I hear what you saying but if you purposely driving out to the country to pitch Supp that 48 hour wait even with a SOP sined there means a double trip out ----------guess if they called you after you returned home from a failed Sup sell that you could discuss with them on the phone to assure you going back out to write an enrollment.

This is case where the rules dont work to the benefit of the senior----------it prevents them from hearing both options on the Sup appt so they can make the best decision for themselfs--------if they later say "you never told me I had another viable option", the answer I was "not allowed to"---has to be a way to fully disclose for the seniors benefit and still comply?

I would think you should be able to take about C plans in general as part of your Supp meet but then just not go into plan specifics at that same meet???---tell them due to compliance thell have to call you to discuss on phone as a prelim to another meet

I agree. However, CMS doesn't look at it that way. If the appt. is a long way to drive, I have mailed a copy of the presentation to the client, gone over it with them over the phone and signed them up that way. Make sure you mail an application with a self addressed stamped envelope for them to mail back to you. Of course after you get the SOA.

 

[stormtracker]

Your fishing sucks.


No... even in the urban areas... I don't mention medicare PART... (NOT PLAN YOU DOLT!!!) C.

Medicare has parts. A. B. C. D.

Supplements come in plans.. a, b, c, etc.


GET IT! GOT IT? GOOD!!

Now, that's funny!!!

 

[yabadabadoo1026]

I don't see the humor

quite an over-reaction over an inadvertent mis-word

think our man Gordon is a large PART jerk

 

[Mega producer]

This forum is really beginning to suck, big time.

 

[GreenSky]

This forum is really beginning to suck, big time.

Beginning?

Rick