Offer Plan G and Plan F - Keep It Simple!

Nov 19, 2016

  1. myinsurebiz
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    myinsurebiz Guru

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    Offer Plan G and Plan F - keep it simple!

    Client has a fixed health care cost. Get sick - show your card and have no worries . . .

    I'm selling MOO, Aetna, UHC and Cigna Plan G and Plan F . . .

    Cross sell into WL / FE.

    2017 going to be an awesome year for Insurance Agents . . .
     
  2. DS4
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    DS4 Guru

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    I just sell Plan F. In order to sell Plan G, I would need to know the Medicare Part B deductible.
     
    DS4, Nov 20, 2016
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  3. LostDollar
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    LostDollar Guru

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    It's $286. I try to avoid having to remember it by just saying it's a lot. To prepare for client meetings where you are pressed and absolutely have to look it up, you write it on a piece of paper and put it in your left shoe. (The right shoe is reserved for the plan N deductible amounts.) :1cool:
     
  4. GreenSky
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    GreenSky Guru

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    I agree. No point doing the hard work and educating your client. That might be far to ethical.

    I suggest that agents that don't understand insurance just stick to Plan F. That way they don't have to learn anything.

    Rick
     
    GreenSky, Nov 20, 2016
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  5. gregj
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    gregj Super Genius

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    gregj, Nov 20, 2016
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  6. LostDollar
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    LostDollar Guru

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    In a serious vein for a moment,
    Generally speaking, if you go beyond F, G, N and possibly HDF, do the premium rates on the other plans allow them to cost effective coverage considerations for a client?

    There must be reasons each of those plans was put into play originally, but it seems like small pools of utilization, leading to higher premiums lead to them not being useful to consider for coverage. Right, wrong .... ?

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    (You may want to just ignore this thread.)
     
  7. myinsurebiz
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    myinsurebiz Guru

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    $183 for Part B Deductible in 2017 . . .

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    Right . . . Why even bother with anything but F or G . . . If they can't afford that might as well do a $0 MA/PD

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    Nothing unethical about only offering plans you feel comfortable with as an Agent . . . You love that word - but, should really study it's definition . . .

    I'm not putting anyone in anything that I wouldn't sell to my Mom or family member . . .
     
  8. LostDollar
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    LostDollar Guru

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    This seems a rather narrow minded attitude. It does not seem to me that it is an attitude that serves potential clients by listening to what they have to say about their needs and then bringing knowledge of the marketplace to them in response.
     
  9. myinsurebiz
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    myinsurebiz Guru

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    Dude - do you even sell Medicare insurance products?

    It isn't rocket science to offer simple F & G Medicare Supplements. If they didn't have their place - they wouldn't be offered by the Carriers . . . Zero exposure if Medicare covers it . . . Simply pay a monthly premium each month and relax . . .
     
  10. vic120
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    vic120 Guru

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    You right just too much to remember, I just sell HDF,(highly discounted F) Its the same thing only cheaper for "Smart Shoppers"
     
    vic120, Nov 20, 2016
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