This is why I don't trust MAPD plans and their "extra benefits"

I am sure to explain to prospects that the MA "extras" are especially always negotiable depending on the provider and the carrier. I've been tempted to develop my own disclaimer list for prospects to sign regarding multiple aspects of MA, and even Rx, products. Whiney alert: It would be great if all my clients were med supps, but northern Indiana is leaning majority MA territory.
 
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