Too Many "Experts"

[Joe Moore]

Why not use her wanting to cancel as a way to move her into a medsupp. She's currently still GI because of the tenncare dropping, I'd just say "ok, if advantage plans are unacceptable here is what is available in order to make sure you don't lose all your savings or your home". Or just say "is your pharmacist or your church going to pay your medical bills when you owe a couple thousand? This plan I signed you up for will."

Did you fully explain the negatives on the PFFS? I honestly explain the entire downside of PFFS as part of my sales procedure on those plans, my thought being it allows me to try to sell a medsupp instead and at the same time insulates from people later on hearing that "advantage plans are bad" and that being the final word. If you already told them they are bad in certain ways, here is why, here are the benefits and negatives and if you want an advantage plan still this is the one I believe is the best it works out better.

The stupid part here is that the 13$ BlueCross plan you're using is one of the best values in the state for an MA other than the PPO plan they have in certain zips. My great aunt cant afford a supplement, doesn't go to the doctor much and lives in a county where they don't have the PPO and that's the plan we put her on. That BlueCross sapphire 0$ plan is probably the best MA in the state hands down.

I'd wait till the N rates for MOO came out, she might be fine with those they should be out in the next week or two and they're starting at like 67 dollars for age 65. I had a FMO send a advertising out that had an advance copy of the rates if you don't already have them. Still not DOI approved but they're pretty nice. Tops out at age 91 at 124, which is basically the same point AARP caps at at age 75.

Downside being I expect because they're making it GI that they're planning to get a bunch of people on the plan and then jack the rates up.

We've been thru the Med Sup bit. She has around $950/mo income, and probably $9.50 in the bank. The pharmacist has convinced her she will probably very soon be back on Tenn-Care. So, don't worry about a thing except paying her drug co-pays. Let the rest of the bills pile up.

 

[djs]

I would have handled it a bit different.

I would have simply said "Really? Well, I'd like to understand the pharmacists concern. Do you mind if we call him and see what the issue is?" I would have picked up the phone and called him, on speakerphone.

I would have been very polite. Chances are, he said something he didn't know much about and would have backed off of a generic statement (which in some cases is true) and given her permission and a blessing to move forward. Alternatively, you would have learned something new about your client. Either way, handled correctly, you would have been seen as a professional, willing to understand your client, rather than as someone simply pushing your views onto your client (I don't mean that negatively, just thats the way 'experts' are seen a lot of times).

The best way to deal with other experts is to win them over. This has the added benefit of potentially getting you some referrals in this case.

Filing a complaint is beyond a waste of time. Seriously, do you want someone filing a complaint against you because you recommended something? Especially if it was a non work related conversation?

Dan

 

[theinsuranceman]

I would have handled it a bit different.

I would have simply said "Really? Well, I'd like to understand the pharmacists concern. Do you mind if we call him and see what the issue is?" I would have picked up the phone and called him, on speakerphone.

I would have been very polite. Chances are, he said something he didn't know much about and would have backed off of a generic statement (which in some cases is true) and given her permission and a blessing to move forward. Alternatively, you would have learned something new about your client. Either way, handled correctly, you would have been seen as a professional, willing to understand your client, rather than as someone simply pushing your views onto your client (I don't mean that negatively, just thats the way 'experts' are seen a lot of times).

The best way to deal with other experts is to win them over. This has the added benefit of potentially getting you some referrals in this case.

Filing a complaint is beyond a waste of time. Seriously, do you want someone filing a complaint against you because you recommended something? Especially if it was a non work related conversation?

Dan

Excellent way to handle her and the pharmacist.

 

[Joe Moore]

I would have handled it a bit different.

I would have simply said "Really? Well, I'd like to understand the pharmacists concern. Do you mind if we call him and see what the issue is?" I would have picked up the phone and called him, on speakerphone.

I would have been very polite. Chances are, he said something he didn't know much about and would have backed off of a generic statement (which in some cases is true) and given her permission and a blessing to move forward. Alternatively, you would have learned something new about your client. Either way, handled correctly, you would have been seen as a professional, willing to understand your client, rather than as someone simply pushing your views onto your client (I don't mean that negatively, just thats the way 'experts' are seen a lot of times).

The best way to deal with other experts is to win them over. This has the added benefit of potentially getting you some referrals in this case.

Filing a complaint is beyond a waste of time. Seriously, do you want someone filing a complaint against you because you recommended something? Especially if it was a non work related conversation?

Dan

Dan,

You are probably 100% right. Hindsight can be 20-20.
Thanks for your statement.

Joe

 

[Norwayguy]

We've been thru the Med Sup bit. She has around $950/mo income, and probably $9.50 in the bank. The pharmacist has convinced her she will probably very soon be back on Tenn-Care. So, don't worry about a thing except paying her drug co-pays. Let the rest of the bills pile up.

Interesting...his concern is more for his well being than hers...He might be right about her going back on Tenn-Care but until then his concern is that she pays her drug co-pays...and don't worry about any one else....How Christian of him...I know VaDwayne I'm picking on the fact that many who proclaim to be great christians only use it as a smokescreen for their interests.

 

[djs]

I'm picking on the fact that many who proclaim to be great christians only use it as a smokescreen for their interests.

True with many car dealers, insurance agents, financial planners, realtors, and general employees as well.

Dan

 

[VaDwayne]

If "too many experts" is a bad thing, would that make "too many idiots" a good thing?