Overwhelmed and confused

[TheSalesWolf]

Hernste,

In TEXAS you need to get appointed with UNICARE, AETNA and HUMANA as well.

1. RUn quotes and compare 2 things.
HSA's vs COPAY plans.

Copay Plans to look at:
Unicare - Consumer Choice
UHC - Copay Select
Aetna - PPO 5000, 2500, 1500
Humana Portrait Share

Compare 2500 deductibles and see which one is cheaper

Typically HUMANA TOTAL AUTOGRAPH HSA is going to be the best HSA because it provides $300 of preventative care before hitting the deductible.

Depending on what they are looking for Cheaper Catastrophic Type Prospect guide toward the HSA's, DUMB uneducated Prospects that want copay plans (80%) sell them a copayment plan.

Hope this helps...

 

[Corporate Death]

It stamps it ehealth on saved quote but however but you can copy and paste to word or an email and licve the ehealth off

Yeah, thats what I'd do, I figured it would put the ehealth garbage on there. Is there a "save" button somewhere? I cant seem to find it. I did manage to email the quotes to myself, but it leaves off the premiums.

 

[ABC]

Try to understand all of the carriers plans. Then compare them to each other. Looks for selling points of each plan and points in which to sell against.
Once you have that info down then try to understand what your prospect thinks is the most important. Then sell from there.

Being new in the business I would recommend you go out and generate your own leads because if your up against 7 other agents from an online lead you might have a hard time selling.

 

[HomeService]

let the prospect tell you what they want... they will want everything covered 100% and at about $50 per month for the whole family, so that is obviously never going to happen, so you need to then back- track and tell them what you can cover and at what price, and let them decide. and, the fact that you are helping them decide -gets you some bonus points. or not.

 

[joshril]

Hernste,

In TEXAS you need to get appointed with UNICARE, AETNA and HUMANA as well.

1. RUn quotes and compare 2 things.
HSA's vs COPAY plans.

Copay Plans to look at:
Unicare - Consumer Choice
UHC - Copay Select
Aetna - PPO 5000, 2500, 1500
Humana Portrait Share

Compare 2500 deductibles and see which one is cheaper

Typically HUMANA TOTAL AUTOGRAPH HSA is going to be the best HSA because it provides $300 of preventative care before hitting the deductible.

Depending on what they are looking for Cheaper Catastrophic Type Prospect guide toward the HSA's, DUMB uneducated Prospects that want copay plans (80%) sell them a copayment plan.

Hope this helps...

Why would you recommend the Consumer Choice plans instead of the FIT plans? The Consumer Choice plans have a very limiting RX card, no ER copay, and don't pay lab and x-ray at the doctor's office.

The only advantage to showing them would be the fact that they are a little more of an apples-to-apples comparison to the other plans you mentioned. The RX card is still more lacking...

If the FIT plans aren't competitive, Unicare is out of the equation with me... I'd much rather offer an Aetna plan...

 

[flauto-insurance]

Get a mentor....