My First AEP- Any Advice from You Veterans and Residual Bosses

Sep 30, 2015

  1. lcastellanos09
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    lcastellanos09 Expert

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    This year will be my first AEP. I represent Humana Aetna and silver-script down here in south Florida. I already got setup with a CVS thru Silver-script. I don't know what to expect with that. I've been doing med supps and I know that will pick up during this time, but i wanted to see what advice you veterans can give me in terms of marketing. Anything will help. Thank
     
  2. JimmyUt
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    JimmyUt Guru

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    Pick up United Healthcare as well. They dominate the med supp market.
     
    JimmyUt, Sep 30, 2015
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  3. vic120
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    Def need UHC most of my Florida buis is AARP Supp's Many Plan N's
     
    vic120, Sep 30, 2015
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  4. axeman462
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    picking up UHC for the MAPDs is a good idea, but medsupps where he lives are not competitive with the MAPD. if he concentrates on supps, he will starve
     
  5. JimmyUt
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    He needs them for both, and I agree.
     
    JimmyUt, Sep 30, 2015
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  6. GreenSky
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    GreenSky Guru

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    Because you agree, I disagree.

    What was the question?

    Rick
     
    GreenSky, Sep 30, 2015
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  7. vic120
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    vic120 Guru

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    Why would he starve if he offers both. No one suggested he give up selling MA. Besides The lowest price for medsupp is always competitive with MA for some seniors even when the price is high
     
    vic120, Sep 30, 2015
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  8. axeman462
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    axeman462 Guru

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    I agree its always nice to have options. Im just saying in SoFlo, supps are not competitive. not even the lowest priced ones. He lives in Broward County (according to the public profile)
    AARP plan F for a T65 is $261/mo, an plan N is $188/mo, even a plan K is $93/mo. And even SELECT plans are only $20/mo cheaper.
    The average MAPD in Broward County gives back at least $20/mo of the Pt B premium, has no copay for PCP and Specialists, and most have $0 copays for inpatient hospitals, and the average MOOP is only $4,000
     
  9. vic120
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    vic120 Guru

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    Ive sold many at those prices. In fact I have a couple in broward. Husb had MA with me and wife had maj med.Few years ago. When I sold husband I went over both and when wife came up she went plan N. After that they both had health issues. Not only were they more comfortable with out of pocket on SUPP. Husb had major issues with network changes had to change doc mid year. Also service approval issues. Luckily I was still able to approve him for supp Next AEP.

    Now every year I get referrals from them people tired of the MA bull and willing to pay those prices. because it is worth it
     
    vic120, Sep 30, 2015
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  10. yogooglethis
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    yogooglethis Guru

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    The consumers who buy med sups are going to buy med supps no matter what so why not contract with with UHC which just happens to be (usually) the lowest premium and easiest underwriting .

    UHC and probably other carriers too don't pay commissions in south fl for some of their ma plans.great ma benefits in south florida but very very competitive and most carriers there have substantial captive agent sales force that get tremendous marketing dollars..
     
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