Wellcare $0 PDP in 2025

[hockeyday]

I'm finding more and more people getting info on Medicare.gov showing them that WellCare is their best "value".

I'm not going to get into a disagreement with them when they're right and I'll write the WellCare plan so I don't lose a med sup.

Sometimes you gotta use common sense

I sent them a good one today,
Cosentyx (300 Mg Dose) INJ 150MG/ML

about 100k for the year

 

[Midlevel]

I sent them a good one today,
Cosentyx (300 Mg Dose) INJ 150MG/ML

about 100k for the year

0.00 premium and 2000.00 max OOP. Hope they don't lose any money on him.

 

[somarco]

Cosentyx requires prior authorization . . .

 

[Todd N]

For every one that is caught and corrected, I wonder how many times people get sucked into changing without realizing it.

Or even outright switched without consent.

Last year during AEP, one of my Plan G clients told me how good her Humana dental was... but she didn't think her Plan G did much. Three years - three years! She had MAPD + G. Plan G paid $0 for 3 yrs and she just kinda was ok with things (very few claims). She just thought it was dental.

I have had this same experience. This is why people need a dedicated agent and not fly by the seat of their pants.

 

[MedicareWAA]

I'm finding more and more people getting info on Medicare.gov showing them that WellCare is their best "value".

I'm not going to get into a disagreement with them when they're right and I'll write the WellCare plan so I don't lose a med sup.

Sometimes you gotta use common sense

Honestly, it IS a good value for many people. In markets where the next best plan is about $20 a month, choosing that plan can often be justified based on customer service and other non-benefit stuff. But PDP isn't a money maker for agents or carriers. It's nice to have the comp to offset some of the expense of doing plan reviews, but it's a cost of doing business. A loss leader that lets you keep a supplement or cross sell another commissionable product or build your brand for later client referrals

 

[hockeyday]

Honestly, it IS a good value for many people. In markets where the next best plan is about $20 a month, choosing that plan can often be justified based on customer service and other non-benefit stuff. But PDP isn't a money maker for agents or carriers. It's nice to have the comp to offset some of the expense of doing plan reviews, but it's a cost of doing business. A loss leader that lets you keep a supplement or cross sell another commissionable product or build your brand for later client referrals

Losing 20k in income, not a flipping chance I will show them going forward , I can write Cigna for 40 cent or Humana at 16 bucks

 

[bill3173]

Part D has increasingly become an annoying product to handle. I used to be enthusiastic about quickly adding an extra commission. Now, with the commission changes, it has become something that I try to get out of as much as possible. If there is a $0 commission product at the top of the list, I'm delighted to tell them they can enroll directly.

The only downside is the $0 commission people call me back every year to run their Rx, which I do, because they have a Med Supp with me. I had a few this year that I advised to direct enroll, from one $0 comm plan to another $0 comm plan.

The funny thing is it used to be a respectable book, that I viewed almost in the same light as Dental or other ancillary products. Now, it's just something that I do to retain business, and I view it as a dying business, kind of like when a large Corp takes an impairment charge.

 

[sshafran]

Part D has increasingly become an annoying product to handle. I used to be enthusiastic about quickly adding an extra commission. Now, with the commission changes, it has become something that I try to get out of as much as possible. If there is a $0 commission product at the top of the list, I'm delighted to tell them they can enroll directly.

The only downside is the $0 commission people call me back every year to run their Rx, which I do, because they have a Med Supp with me. I had a few this year that I advised to direct enroll, from one $0 comm plan to another $0 comm plan.

The funny thing is it used to be a respectable book, that I viewed almost in the same light as Dental or other ancillary products. Now, it's just something that I do to retain business, and I view it as a dying business, kind of like when a large Corp takes an impairment charge.

PDP calls are tough because some people are incredibly grateful and need the help.

Others are just plain petulant jerks who treat you like a doormat.

This AEP has been a transition year in trying to get them to review on their own. I'd give myself a C or C- on it.

Have a few ideas to get better at it. We can send instructions on how to do it on their own. I did that. But they still call me. When they call moving forward I'm not going to johnny on the spot review, I'm going to remind them of the instructions and "start training" them to do their own PDP review.

 

[somarco]

Everyone handles the Part D review differently and one way is not inherently better than the other.

One thing that is consistently true for me is getting referrals from folks that coincide with reviewing drug coverage. These are automatic without even asking for them.

People appreciate good service and will reward you with referrals.

My monthly newsletter is another example of passive marketing that costs me almost nothing but results in year 'round referrals.

 

[Marty Silbernik]

I had a referral that only needed drug coverage. Wellcare was the best option for them, and they already knew it from their research. I let them know about the pros and cons, but I did write the plans for the husband and wife.

Since that day they sent me 3 of their close friends and I wrote 2 med supps, 1 MAPD and 3 AARP Preferred PDPs. Sometimes doing the right thing will pay off.