That gives you a completely different perspective from the youngsters selling a product they may not need for years.
I was 60 when I shifted to the Medicare market and had seen enough (too much, really) of how managed care (mangled care) negatively impacted the lives of the policyholders and covered participants.
One of my younger clients had a PPO plan (major med, this was long before MA plans existed). She was in her 30's and developed complications from her pregnancy. After spending 2 weeks in the hospital and undergoing numerous transfusions she was discharged and allowed to go home. Strict bed rest and daily supervision by a nurse for the next 3 months.
Her major med carrier balked at paying for "home health care" until I intervened. Several phone calls to folks in claims, medical oversight, marketing, etc resulted in the carrier reversing their decision and agreeing to cover home health which would include more transfusions.
This should not have required any outside intervention. A simple review of her claims and medical notes should have been obvious that her medical care was necessary.
This is a long way of saying I have good reason to want to avoid anything to do with managed care plans and why I crusade for the simplicity of OM because of the lack of government and carrier interference with health care needs of the patient.
Swiping from @DS4 . . . "The most valuable commodity I know of is information" Gordon Gekko
@mkblinzler your experience and knowledge will continue to help you relate to the folks who need someone with real world experience, not just a 10 day course in how to give away free stuff.
