- Thread starter
- #11
- 748
I can only reiterate, the specific situation rules.
If an HSA fits, sell it, if not, don't
The customer is always right.
- Thread starter Expat
- Start date
I can only reiterate, the specific situation rules.
If an HSA fits, sell it, if not, don't
- 14,809
Mike....we're obviously uneducated. Maybe the high-mountain master can teach us.
- Thread starter
- #13
- 748
- 10,276
"Chumps...would that be "sometimes" or 95% of the time?"
It depends. In my neck of the woods, it is not very often. I assume in many other areas, the gap in rates is much larger.
It depends. In my neck of the woods, it is not very often. I assume in many other areas, the gap in rates is much larger.
- 14,809
Well, for new agents - if you're selling any particular product 95% of the time you're not matching the product to your client's needs - your shoving your personal views down their throat.
I agree with you boys..... As a broker I have commited to offer pert near every product cause u never know what curve ball u may be thrown... lets see, over the last 3 months i have written... Unicare Co-pay and HSA, Aetna Co-pay, Golden Rule HSA, World Co-Pay, Humana Co-pay and HSA, and BC/BS co-pay, HSA and Ded first plans...
Now American Comunity just got to Texas and even though their rates and bennies dont realy fit the market due to price I will still be contracting direct just to say I have it
Now American Comunity just got to Texas and even though their rates and bennies dont realy fit the market due to price I will still be contracting direct just to say I have it
- 14,809
Agreed - I'm a HSA fan - don't get me wrong. But that it's a fit for everyone is insane.
This not-so-veiled thread seems to be directed to me, and a lot of misinformation and assumptions.
Nothing new there.
I don't force feed anything. As indicated before, I present alternatives and let the client decide. The only time I fire a client (or prospect) is when they insist on a Saver type plan.
The numbers work in favor of the HDHP almost every time. Young singles usually find it a wash but family plans work in favor of the HDHP every time. I cannot think of a single situation where the copay won based on the numbers.
Doesn't mean the client bought the HDHP, because I do have a handful of copay clients.
I illustrate, they decide. Pretty simple approach actually.
Nothing more needs to be said.
Nothing new there.
I don't force feed anything. As indicated before, I present alternatives and let the client decide. The only time I fire a client (or prospect) is when they insist on a Saver type plan.
The numbers work in favor of the HDHP almost every time. Young singles usually find it a wash but family plans work in favor of the HDHP every time. I cannot think of a single situation where the copay won based on the numbers.
Doesn't mean the client bought the HDHP, because I do have a handful of copay clients.
I illustrate, they decide. Pretty simple approach actually.
Nothing more needs to be said.
- 14,809
...and a Honda will always make more financial sense than a Mercedes. What's the point again....
I don't do much health insurance either but my philosophy is present and explain the best alternatives but give the customer what they want. If they want a co-pay plan and you won't give it to them they will find an agent who will. Whether it is health, life, or disability I think some coverage is better than no coverage unless they want some cheap plan that they think is major medical and it isn't. In that case I would walk.
Similar threads
