T65 Early Enrollment Limits, Not Drawing SS Income

[Longtimeagent]

Pretty sure New Era will only go 90 days (at least it was that way at one time), the AARP branded Med Supp will only go 90 days and the same with BCBS. MoO will go 6 months. I don't recall what CLI was, but I never tried to write one 6 months out. That's all I can think of right now off the top of my head.

Just out of curiosity why would you write AARP or BC on OE? That's just mean to the client. Unless they are one of those who have to have AARP.....I hate those people. Lol

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If you get too far out you run the risk of losing them. Just because they "bought" doesn't mean they stopped looking. They are still getting calls, email (if they go online) and stuff in the mail right up to and even after the month they turn 65. I have written some where they told me they bought last month. "Oh, well you were just on my site. Are you unsure about your choice?" That is usually followed by "Which plan did you buy?" "Really?" "Are you paying more than this?" Of course if they bought MOFO plan G then I will give them a rate for N and ask if they had considered saving another $25/mo by paying a copay.

And not having coverage for excess charges. Great job

 

[goillini52]

Pretty sure New Era will only go 90 days (at least it was that way at one time), the AARP branded Med Supp will only go 90 days and the same with BCBS.

MoO will go 6 months. I don't recall what CLI was, but I never tried to write one 6 months out.

That's all I can think of right now off the top of my head.

Besides New Era and BCBS, Cigna goes 90 days. I've used Aetna and Oxford 6 months out. I could list 8-10 more that will go 64 1/2.

 

[somarco]

And not having coverage for excess charges. Great job

Thanks!

Plan N is explained in full. If they have reservations about any of it they can still buy G from me after I have discredited the bozo that pitched MOFO.

 

[goillini52]

If you get too far out you run the risk of losing them. Just because they "bought" doesn't mean they stopped looking. They are still getting calls, email (if they go online) and stuff in the mail right up to and even after the month they turn 65.

I have written some where they told me they bought last month. "Oh, well you were just on my site. Are you unsure about your choice?"

That is usually followed by "Which plan did you buy?"

"Really?"

"Are you paying more than this?"

Of course if they bought MOFO plan G then I will give them a rate for N and ask if they had considered saving another $25/mo by paying a copay.

When I write them at 64 1/2 I tell them that now that's all taken care of they can ignore all the mail and phone calls they'll be getting. Knock on wood(knocking on my head), I've not lost one yet.

 

[somarco]

I've not lost one yet.

That's because you are better than most of the bozo's peddling Medicare.

It's also because you don't write in Georgia. If you did and I found out they bought from the monkey they would be my client.

 

[sman]

Just out of curiosity why would you write AARP or BC on OE? That's just mean to the client. Unless they are one of those who have to have AARP.....I hate those people. Lol ----------

I don't write BCBS, but I did when they were accepting anyone who had a Med Supp. I have a good bit of pre-2010 AARP on the books. That's back when they would take almost anyone and before the two levels of pricing.

And not having coverage for excess charges. Great job

How often have you actually seen excess charges come into play? That's a serious question. The reason I ask is because I rarely see it happen.

 

[goillini52]

Thanks!

Plan N is explained in full. If they have reservations about any of it they can still buy G from me after I have discredited the bozo that pitched MOFO.

Hahaha, can I borrow that line Bob?

 

[somarco]

, can I borrow that line Bob?

Might as well. You steal all my other stuff.

 

[goillini52]

That's because you are better than most of the bozo's peddling Medicare.

It's also because you don't write in Georgia. If you did and I found out they bought from the monkey they would be my client.

Good thing I don't live in Georgia.

 

[sman]

According to the following article, approximately 96% of physicians accept Medicare Assignment.

http://kff.org/medicare/issue-brief...e-patients-when-receiving-physician-services/

So I'd say the odds of incurring Part B excess charges are small. A person can also look up their doctors (or the agent can do it for them) on the Medicare website and see if the doctor accepts assignment or not.