Depends on the area you’re working, the needs of your prospect and the MA plans that are available.I am convinced a lot of agents don't understand what they are selling. That includes MAPD and PDP.
And they don't care.
No premium is an easy sale if you spin it right. Many go back and load the client up with add-on crap to fill in the "gaps" in MA plans. They can easily walk away with $1,000 or more in their pocket vs $300 selling Medigap.
So many carriers advertise DTC and make the MA plans seem wonderful.
And now CMS is joining the bandwagon and pushing MA plans as well.
Everyone, including my BIL, loves those plans until they have to use them. Then they grumble and want to get that Medicare supplement plan they refused when they turned 65.
Of course they can't.
It's a fact of life.
I write only Medigap. No MA plans. Used to pass along maybe half a dozen referrals per year to a friend that wrote the MA plans for me.
I don't think I have sent him a single referral in a couple of years.
Most of my new clients are T65. Most know they want a Medigap plan. A few are confused. We talk. They pick the Medigap.
Wrote two last week (husband and wife) and another two today. All T65. Most thought they wanted Medigap but wanted to know more about MA.
We talked.
I explained.
They bought.