Shut up, you’re crap gets really old over and over again. Go away.
Shingles Vaccines Work. But Medicare Won’t Always Cover Them.
- Thread starter Northeast Agent
- Start date
Shut up, you’re crap gets really old over and over again. Go away.
- 6,832
My! You got up on the wrong side of bed this morning!
PLUS . . . you boost your commission!
And don't forget the cancer plan.
After all, that's what really matters, right?
I can attest that the forum IGNORE function works quite well. You should try it . . . or just pop another BP pill.
- 4,172
*Your
Otherwise, you're saying "You are crap gets really old."
(I'm trolling you a bit, just to have a little fun because your reaction is a little disproportionate to my response.)
Secondly:
Why u mad, bro?
You were pointing out short term savings with a MAPD plan with no premium and no deductible. I was just saying that you're thinking short term... I wasn't even rude about it.... I'm sure a ton of people can attest to that when I want to mock you, I don't pull punches.
I don't have an agenda. I tell people quite often that "You don't need to do X, and this is why." Which often costs me immediate commission. There's a reason why people trust me when I say something.
I research, think broadly, give advice, and get out of their way. Sometimes I'm wrong and I openly admit it, apologize, and try my best to make it right. Being wrong is a learning opportunity.
You clearly need a hug today. If I get under your skin that much for just speaking facts, you should ignore me. I won't be offended and you won't miss out on much.
StephanieCJ
Guru
- 670
Maybe he is saying "you are crap" (trolling as well)
- 4,172
Maybe he is... dammit, you so smart
I would just like to share a personal story, and take it for whatever it's worth (probably not much.)
I'm in SC right now. I had to drive 17 hours straight to get here because of my dad.
He rarely goes to the doctor. He's U65 (just turned 64) and has a BCBS plan. He rarely goes to the doctor because he has a history of heart issues and DM. He lives a very unhealthy lifestyle and he's not really honest about his health conditions.
He knows he's going to have to keep paying doctors, specialists, tests, etc.
The beginning of last month, he had a stroke and residually has aphasia. He's tried to go back to his business, but he's not even close to ready yet. He's been feeling really beat up and depressed because he can't communicate effectively. Somehow, he got an infection and stopped eating. He's back in the hospital now. His heart is weak with low BP. Dad's had hypertension for years, so low is even worse.
Speech Therapy
Cardiology
Hospital bills
Neurology
Endocrinology
Nephrology
May need SNF, because he's a stubborn mule and needs more structure.
MAPD, even with MooP would cause significant harm to him financially. CVA's can just happen. Cancer can just happen. Heart issues can just happen. Falls can just happen. Neurological issues can just happen.
These are normal risks with the aging population, and not as much with people in their 30-60's. MAPD is known to have significant use of cost saving methods and you want to actively persuade people that these risks aren't a "big deal."
You want to actively persuade them that their families aren't going to actively fight an insurance company when they should be supporting their loved ones possible transition.
Choice is a beautiful thing. Omitting facts or shining up a turd in order to sell a subpar product should never be your goal. Present the reality, answer questions, then get out of their way.
Second story and I'm done.
I had a guy that I wrote with Wellcare PDP. His wife has different medications and Humana is a better PDP fit. They want Wellcare because their DIL is in medical records and swears Humana is horrible. I gave them facts. U65 Humana doesn't have the requirements that Medicare does, health insurance has different restrictions that RX coverage. She's not comparing apples to apples and you're spending 200$ a month for subpar coverage.
They didn't change their mind. I sent them the link to self enroll into Wellcare. I'm not signing that it's their best option, but they have the right to make mistakes if they're informed.
Really consider what you're doing in this business. Consider how what you're offering can effect people. Just present reality to people and get out of the way. Do good, then do better later.
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"Short term savings" . . . most everything I see on the forum from those pitching MAPD is predicated on money . . . lower premium (no one mentions OOP, even for chronic things) . . . free dental, vision, food . . .
And on the flip side . . . MAPD compensation is usually more than Medigap comp . . . and that is before all the add-on products that can easily double comp if not more.
You and I will disagree but do so in a civil manner.
Just don't hug me . . .
- 30,111
Wishing your dad well Travis.
StephanieCJ
Guru
- 670
Who is "you"? I sell both MAPD and Supp. What you mentioned are very much risks that a reputable agent should be educating someone on. That being said, my book is still pretty much a split (a little more toward MAPD, but thats because I did a good bit of DSNP for a while). You can lead a horse to water...My mom will go on a supp as a no-brainer. My dad will go MAPD as a calculated risk (he will likely outlive me). Our job is not to pick their plan, but to educate them on the options.
On another note, sorry to hear about your dad.
