Medicare Advantage Training?/Transfer Program?

Thanks for pointing that out. The fact that he said he "wanted no part of a network plan" must have flown right over your head.

Now allow me to point out that my client did not want MA because of the networks. He wanted to get back to his regular cardio guy.

The premium savings was just a plus to him.

It did fly over my head. If he can afford $800 for an Obamacare plan, than a Med Supp F is no skin off his nose.

Still, name me one Cardiologist in the Doctors Centre in Peachtree Dunwoody and I285 that is not in 90% of MA networks.

Nevermind...

What do you think of my car comparison. Pretty cool, huh? Especially since Mercedes Benz has taken over our Bldg. on Ashford Dunwoody.
 
after doing some searches on the forum about selling/retaining Medicare Advantage during AEP...

yea definitely staying away from Medicare Advantage and just concentrating on selling Med Supps...
 
Me neither, YAK!! Ive talked with tons of MA agents who tell me it is very very labor intensive, more so than P&C service work.

What you are describing here is a medi medi. I do my best to steer away from those. Standard MA clients are not nearly as needy, and certainly require less service than a p&c client. I speak from experience.
 
I have the exact same approach as yours-I have both sides (although I only offer MAPD plans from the large, national companies), review needs with my clients when they enter Medicare, explain the differences between MAPD and Med Supplements, and unless there is a major network or plan change (it doesn't happen every year, more like every 2 to 3 years for one plan) there is little to no service work and very high persistency (at least 95% for MAPD and close to 100% for Med Supplements).

I had two long time clients call me yesterday who moved from one county to another, called the MAPD company, and were told they had to change from a plan with $0 premium to $49 a month. They were upset and emailed me-we spoke on the phone and, after explaining why plans were different in each county and reviewing doctors and networks were able to put one of them on a $0 PPO plan while the other is switching to the $49 PPO plan (one of her doctors only accepts the company with the $49 PPO plan, which was a $0 HMO plan in the other county).

Could they afford Medicare Supplements? Probably, but 2 Plan F's (Plan G in Florida has no advantage over F) plus Prescription drug plans would cost them $5,400 annually in premium (plus Medicare Part B) and they choose not to spend it. That is their decision, not mine, since I offer both sides and have no preference (other than I am also a Medicare beneficiary and have an MAPD plan).

If I didn't offer MAPD plans they would not be my clients, they didn't even want to spend $98 a month for 2 MAPD plans so appreciated that I took the time to thoroughly research the provider networks of the appropriate plans and offer them the 'split' option.

They have been my clients for over 3 years and will be my clients for as long as all of us are alive-the whole process (including applications) took 90 minutes.

This is the approach I plan on using when I go fully telephonic sales across multiple states. Locally it works as well. To me, naturally your going to steer customers one way when you don't offer all the options in the medicare market.
 
Thanks for pointing that out. The fact that he said he "wanted no part of a network plan" must have flown right over your head. Now allow me to point out that my client did not want MA because of the networks. He wanted to get back to his regular cardio guy. The premium savings was just a plus to him.

So he would have taken the plan F at $500 a month? These folks always go with a supplement because they are paying so much already. How many people with a $500 deductible Obamacare plan for $39 a month do you get to do a supplement. Not many over here.
 
So he would have taken the plan F at $500 a month? These folks always go with a supplement because they are paying so much already. How many people with a $500 deductible Obamacare plan for $39 a month do you get to do a supplement. Not many over here.

The post clearly states that he was paying $800 in premium. Just a guess, but he probably isn't getting a CSR plan under Obamacare.....
 
somarco,

If you want to know where the people who can't afford a supplement are, come on down (or should I say up?) to TN. There are a ton of people who are just above the line for prescription help. Married couples with $27,000 in income from SS and a pension. Wife never worked, man spent 30 years at a plant of some sort, etc.

I see them all the time. A lot of diabetics. Their prescriptions (which a med sup will not help on) are what is killing them. They need that extra $3300 a year (for the couple) to pay for their lantus, janumet, Humalog, invokana, etc.

We love our cornbread and sweet tea in TN.

These are not the full-dual eligible crowd. I find the very servicing pretty minimal actually. But the SNP/SLMB/Full extra help crowd is the complete opposite of that, I agree. They have 6 or 8 doctors each, hard to keep them happy.
 
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