United Health Care Product

[jdeasy]

aarp offers supplements at $80/month?? Which ones?

and what does MA mean? (I'm not used to abbreviations)
btw I'm in IL, I don't know if that helps anyone pin this down.

You really shouldn't be trying to do anything with/for this guy until you know what you are doing. I'm not slamming you. I was sent out to meet with people about their Medicare when I had about the same knowledge that you are showing about the subject. It was a terrible mess and I messed some people up. Fortunately, as I learned about the products I was able to go back and fix most of my screwups. You may not be so lucky.

 

[Josh]

How long have you been doing this?

When you do look at the ID card (which was an EXCELLENT suggestion) I'd bet an expensive dinner that it's a retiree plan. If it doesn't look like a med supp with a part d or an MAPD, odds are it's neither. It COULD be an MA-PD depending on where you are, but in most areas that wouldn't be the right premium. The other reason why that's probably not an MA-PD is from what you're saying it sounds like something is filling in the gaps of Medicare as opposed to handling the whole benefit, but looking at the card will show you for sure. If for some reason that's unclear then call the 800 number on the back of the ID card and ask them what it is.
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You really shouldn't be trying to do anything with/for this guy until you know what you are doing. I'm not slamming you. I was sent out to meet with people about their Medicare when I had about the same knowledge that you are showing about the subject. It was a terrible and I messed some people up. Fortunately, as I learned about the products I was a ble to go back and fix most of my screwups. You may not be so lucky.

I'll have to loudly second that. The other end of that is the guy probably has a retiree plan you can't beat and if that's the case you could be seriously hurting him.

 

[sixty6]

You really shouldn't be trying to do anything with/for this guy until you know what you are doing. I'm not slamming you. I was sent out to meet with people about their Medicare when I had about the same knowledge that you are showing about the subject. It was a terrible mess and I messed some people up. Fortunately, as I learned about the products I was able to go back and fix most of my screwups. You may not be so lucky.

Heh trust me, I know. I'm a SF producer, and they brought me on with the intention of selling P&C, which was so easy to catch onto. Now my agent didn't qualify for travel, and is basically not going to pay us commission unless we write 2 life apps/month.

The whole reason I'm even looking at Med Supps is so I can lead into a Final Expense. I've had my life/health license for a year, but I was never forced to sell life/health, and I never bothered to do so.

How long have you been doing this?

When you do look at the ID card (which was an EXCELLENT suggestion) I'd bet an expensive dinner that it's a retiree plan. If it doesn't look like a med supp with a part d or an MAPD, odds are it's neither. It COULD be an MA-PD depending on where you are, but in most areas that wouldn't be the right premium. The other reason why that's probably not an MA-PD is from what you're saying it sounds like something is filling in the gaps of Medicare as opposed to handling the whole benefit, but looking at the card will show you for sure. If for some reason that's unclear then call the 800 number on the back of the ID card and ask them what it is.
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I'll have to loudly second that. The other end of that is the guy probably has a retiree plan you can't beat and if that's the case you could be seriously hurting him.

Yeah I'm going to give him a call on Saturday and ask him to send me a copy of the ID card. I thought it sounded like a PD plan, because when he was talking about deductibles, I think he was talking about prescription deductible or something.

Either way I won't do anything until looking at what he currently has, rest assured!

 

[AttillaTheOne]

I'm betting that MedicarePlanSolutions hit it on the head. A retiree plan with drug coverage. Had one just last week where she was paying $86 a month (fla) and it was pretty good coverage with a 200 deductible, 1000 max out of pocket.
Go learn a LOT more about Medicare plans before you start messing with people. Nothing personal but if you don't even know what MAPD stands for, you shouldn't be talking to anyone about anything related to medicare plans.

 

[sixty6]

I'm betting that MedicarePlanSolutions hit it on the head. A retiree plan with drug coverage. Had one just last week where she was paying $86 a month (fla) and it was pretty good coverage with a 200 deductible, 1000 max out of pocket.
Go learn a LOT more about Medicare plans before you start messing with people. Nothing personal but if you don't even know what MAPD stands for, you shouldn't be talking to anyone about anything related to medicare plans.

I'm not going to stop talking to people just because I didn't know an acronym. When I talk to people I don't say "What kind of coverage does your MAPD offer?"

I know how the different plans work, but there are those situations where the client has no idea and is completely uncooperative. In my case, I talked to him today and he doesn't have any paperwork, and can't find his card. In situations like these, I wonder how people survive by themselves...

 

[Josh]

I'm not going to stop talking to people just because I didn't know an acronym. When I talk to people I don't say "What kind of coverage does your MAPD offer?"

I know how the different plans work, but there are those situations where the client has no idea and is completely uncooperative. In my case, I talked to him today and he doesn't have any paperwork, and can't find his card. In situations like these, I wonder how people survive by themselves...

It's really not about an acronym, it's about understanding the market and products well enough to be able to make the correct recommendations. He's not being uncooperative, you just didn't know what he had. Not to be rude, but I have enough experience in this to know what he had based off of only what you could remember him telling you. You should probably have some type of an upline that can help you with this, even if it's just to answer a call when you make one. I think a plague of the industry is that agents think that simply because they got licensed and then got appointed with a company to sell a product then they're an expert on it. I'm not saying that is the case with you, but you really need to make sure you have the right resources to do well by the prospects you meet with and it sounds like you don't.

 

[sixty6]

Well I guess there's no way for me to prove that when I asked him about his medicare supplement, all he could tell me was that he had it through United Health Care, $60/month and he said it pays for all deductibles.

First off, it isn't a retiree plan since he shopped around for this plan.

Anyways, this whole thread is going off topic, all I want is to find some way to figure out what product he has. There isn't much to go off of from what he told me and if anyone has any insight, that would be appreciated.

Nothing I said actually says I don't know my products, I just can't get a solid conclusion from what he told me, and obviously nobody else can so far, which is my question. If you want to call me uneducated just because I can't figure it out with the limited information he gave me, go ahead.

 

[radiusbob]

Maybe try Here: http://www.aarpmedicareplans.com/

Assume you know his zip code and this might help with potentially identifying if there is and what MA/MAPD/PD plans are available in the county he lives in.

 

[Josh]

First off, it isn't a retiree plan since he shopped around for this plan.

Nothing I said actually says I don't know my products, I just can't get a solid conclusion from what he told me, and obviously nobody else can so far, which is my question. If you want to call me uneducated just because I can't figure it out with the limited information he gave me, go ahead.

I really am under the impression you're not familiar with different plans based off of how you started this and up until even this last post. There is nothing wrong with it, but like I said, a good upline would help.

You can shop around your retiree plan and stick with it. Hell, each year the retirees can sometimes change from the different options their employer offers the same way that FEHB works. Maybe he shopped those and then was just comparing them.

Here's another *crazy* idea. Snag the info off his medicare card and then go to Medicare.gov and see if he's enrolled in a&b or if he's enrolled in a part c or part d plan. It'll tell you right on the website without even having to call 1-800-MEDICARE (read 1-800 "i don't care"). I still think he's looking at a retiree plan and if I'm right then it should show him enrolled in part a and part b, but probably not a part d plan.

Regardless of his situation there is nothing you can do to help him. If he can't tell you what he has, doesn't have ID cards, and is that confused by life then you're asking for trouble trying to do anything. Either that or you're just too desperate for a commission. Either way, I'd move on to your next prospect and try to find someone local that you can contract with that is familiar with that market and will take the time to train you because it's more than clear that you need more help than what you're getting.
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Maybe try Here: http://www.aarpmedicareplans.com/

Assume you know his zip code and this might help with potentially identifying if there is and what MA/MAPD/PD plans are available in the county he lives in.

Props for digging in, but you're overcomplicating things. It'd be way better to just go to the medicare.gov site and let medicare say exactly what he's enrolled in from there. If it's Original Medicare, Medicare Advantage or any perversion thereof it will show it right there.

 

[AttillaTheOne]

I'm not going to stop talking to people just because I didn't know an acronym. When I talk to people I don't say "What kind of coverage does your MAPD offer?"

I know how the different plans work, but there are those situations where the client has no idea and is completely uncooperative. In my case, I talked to him today and he doesn't have any paperwork, and can't find his card. In situations like these, I wonder how people survive by themselves...

Here's My Story and I'm Sticking to it.
1) You DO NOT have a clue about medicare products.
2) You ARE DESPERATE for commissions otherwise you would have gone on to another lead.
3) You have a terrible, non-helpful, unknowledgeable upline. Does your FMO rhyme with BARKER?
4) Leave the old guy alone already before you do mess up what is a good medical plan.
5) All of the nice suggestions you received on this thread should have been MEDICARE AGENT 101, but since you never did any of the certifications, you don't even realize that.

Here's an acronym for you.
STFU
Now take you ball and go home before I roll over, wake up your mommy and tell her you've been a bad boy!
She NEEDS her beauty rest!

Just remember, Jesus Loves You!
But I don't think that highly of you to be honest!