Wellcare, UHC... they're all out to get us

[DonP]

It’s funny you mention all this . When I’ve run around 100 drug quotes I peek over at the difference in pdp plans in cost . I’m noticing a $1000 difference in the avg dug costs versus an mapd and avg pdp $30-$40 a month for 1/2 decent one . That’s $1600 a yr vs mapd . Add in $250 plus for a 70 -72 yr old plan get that’s $4600 a yr . The avg husband /wife can’t afford that . You keep arguing a dead subject . Nobody doubts what better coverage is . Would a person rather live in a double wide or nice house ?They can’t afford the Cadillac coverage

 

[Midlevel]

Maybe you sell in a market with low rates. In many parts of the country, a plan G is $200+ a month. If you take a brand name medicine, add another $50+ a month. Good dental is another $40.

Many people cannot afford $300 a month in premiums. Some people just don’t want to drop $3,600 in premiums. Some people are entirely fine paying it for all sorts of reasons.

Die hard MSUP fan boys love to exaggerate managed care gloom and doom. MA enrollees consistently report high satisfaction with their plans. The country is not littered with cancer patients dying in the gutters because MA plans won’t let them see the doctor. Just like how the country is not littered with dying cancer patients whose commercial plan won’t let them have chemo.

Sometimes a supplement is perfect for a client. Sometimes Advantage is perfect for a client. Many times, the perfect option is subjective, with only the client being able to say which one is right for them.

The right type of coverage and the right plan are different for different people, for all sorts of reasons. Our industry and our clients need a whole lot more agents willing to be objective and do the hard work necessary to match the right coverage to the right circumstances.

Just be ***ing objective. Be impartial. Help your clients make an informed choice. It’s not your choice to make.

Nope, 100% of every American would be far better off with a Med Sup and shitty drug plan.

Wrote 2 new MAPD's this morning that are turning 65. 2nd person taking 2 expensive drugs that cost $1600/month and she is going to pay a total of $376.00 next year for her drugs that cost over $19000.00. And she is not paying a premium and has all the "free crap" that is worth way north of $3000.00/year. Could have taken a Med Sup and a PDP that she would max out the $2000.00 out of her own pocket. She chose the BCBS MAPD.

 

[Special Agent]

Maybe you sell in a market with low rates. In many parts of the country, a plan G is $200+ a month. If you take a brand name medicine, add another $50+ a month. Good dental is another $40.

Many people cannot afford $300 a month in premiums. Some people just don’t want to drop $3,600 in premiums. Some people are entirely fine paying it for all sorts of reasons.

Die hard MSUP fan boys love to exaggerate managed care gloom and doom. MA enrollees consistently report high satisfaction with their plans. The country is not littered with cancer patients dying in the gutters because MA plans won’t let them see the doctor. Just like how the country is not littered with dying cancer patients whose commercial plan won’t let them have chemo.

Sometimes a supplement is perfect for a client. Sometimes Advantage is perfect for a client. Many times, the perfect option is subjective, with only the client being able to say which one is right for them.

The right type of coverage and the right plan are different for different people, for all sorts of reasons. Our industry and our clients need a whole lot more agents willing to be objective and do the hard work necessary to match the right coverage to the right circumstances.

Just be ***ing objective. Be impartial. Help your clients make an informed choice. It’s not your choice to make.

Med supp only slingers fail to factor in the MPOOP- Minimum Premium Out of Pocket vs MA MOOP .Network and ease of use is always better with OM and medigap but financially not so much and now with the escalating PDP premium even more not so much.

 

[LostDollar]

Maybe you sell in a market with low rates. In many parts of the country, a plan G is $200+ a month. If you take a brand name medicine, add another $50+ a month. Good dental is another $40.

Many people cannot afford $300 a month in premiums. Some people just don’t want to drop $3,600 in premiums. Some people are entirely fine paying it for all sorts of reasons.

Die hard MSUP fan boys love to exaggerate managed care gloom and doom. MA enrollees consistently report high satisfaction with their plans. The country is not littered with cancer patients dying in the gutters because MA plans won’t let them see the doctor. Just like how the country is not littered with dying cancer patients whose commercial plan won’t let them have chemo.

Sometimes a supplement is perfect for a client. Sometimes Advantage is perfect for a client. Many times, the perfect option is subjective, with only the client being able to say which one is right for them.

The right type of coverage and the right plan are different for different people, for all sorts of reasons. Our industry and our clients need a whole lot more agents willing to be objective and do the hard work necessary to match the right coverage to the right circumstances.

Just be ***ing objective. Be impartial. Help your clients make an informed choice. It’s not your choice to make.

It is his choice to sell what he wants to sell.

 

[Yagents]

And some people actually look to agents for "advice" and not just help w enrollment.

And BTW, you may have missed the $0 wellcare pdp premium with cheap generics. 95% on or going to that plan so far

 

[MedicareWAA]

And some people actually look to agents for "advice" and not just help w enrollment.

I think most people are looking for advice, and they want advice that’s tailored to their own circumstances. Advice is not the same thing as trying to convince everyone to make the choice you would make for yourself. The latter is, among other things, being lazy at this job.

 

[MedicareWAA]

It is his choice to sell what he wants to sell.

Insightful comment, as always.

 

[LostDollar]

And some people actually look to agents for "advice" and not just help w enrollment.

And BTW, you may have missed the $0 wellcare pdp premium with cheap generics. 95% on or going to that plan so far

Be careful there. That is not consistent across all states this year. Other posts, CA has a significant premium.

Also not necessarily the best $0 option.

Kansas. $0 WC and $0 BCBSKS.
Using Dillon's -- KS version of Kroger.

Oxybutynin $425 with WC, $25 with BC. (rounded numbers)

I will not be continuing with WC this year even though I would get 100% premium reduction.

 

[Yagents]

Be careful there. That is not consistent across all states this year. Other posts, CA has a significant premium.

Also not necessarily the best $0 option.

Kansas. $0 WC and $0 BCBSKS.
Using Dillon's -- KS version of Kroger.

Oxybutynin $425 with WC, $25 with BC. (rounded numbers)

I will not be continuing with WC this year even though I would get 100% premium reduction.

True, i haven't run quotes in the 48 other states

 

[InsuranceGuy29]

Maybe you sell in a market with low rates. In many parts of the country, a plan G is $200+ a month. If you take a brand name medicine, add another $50+ a month. Good dental is another $40.

Many people cannot afford $300 a month in premiums. Some people just don’t want to drop $3,600 in premiums. Some people are entirely fine paying it for all sorts of reasons.

Die hard MSUP fan boys love to exaggerate managed care gloom and doom. MA enrollees consistently report high satisfaction with their plans. The country is not littered with cancer patients dying in the gutters because MA plans won’t let them see the doctor. Just like how the country is not littered with dying cancer patients whose commercial plan won’t let them have chemo.

Sometimes a supplement is perfect for a client. Sometimes Advantage is perfect for a client. Many times, the perfect option is subjective, with only the client being able to say which one is right for them.

The right type of coverage and the right plan are different for different people, for all sorts of reasons. Our industry and our clients need a whole lot more agents willing to be objective and do the hard work necessary to match the right coverage to the right circumstances.

Just be ***ing objective. Be impartial. Help your clients make an informed choice. It’s not your choice to make.

Very well said. I know it's not exactly ideal offering Medicare Advantage (because the plans are way more in-depth and complicated with way more rules), and I understand that older habits die hard with some of the older Med-Supp-only guys, but there is no denying that many Medicare Advantage plans are now extremely good. It's not 2006 anymore.

Me personally, I think it's just important to offer Seniors all of their options. It's literally the difference between eviction and staying in their homes, in many cases. Are Med Supps great for a good amount of people? Of course.....but so is Medicare advantage.

My book is about 60/40 MAPD to Med Supp, and the Medicare Advantage folks are always happy. No horror stories to report, and some have been VERY sick and they were taken care of very well.

The scrutiny on these plans is extremely high. If they mess with people, there are actually huge monetary consequences. They're policed like a hawk, which is good for Seniors.