What should contact be for Ameritas

[Chazm]

I have the same Issue with Cigna. A client wants a quote; you have to login to Cigna, get to their quoting tool, and enter in their details. Pick a plan out of about 6-8 options, and then send the client the premium and the brochure.
The client looks at it and calls you back and ask for a cheaper premium. Back to Cigna you go to do it all over again. Then they want to see it with vision. Nope, now a lower deductible. It’s non stop. All for about $100 commission.

Manhattan life got it right by putting all of their premiums on one brochure.

 

[MedicareWAA]

I have the same Issue with Cigna. A client wants a quote; you have to login to Cigna, get to their quoting tool, and enter in their details. Pick a plan out of about 6-8 options, and then send the client the premium and the brochure.
The client looks at it and calls you back and ask for a cheaper premium. Back to Cigna you go to do it all over again. Then they want to see it with vision. Nope, now a lower deductible. It’s non stop. All for about $100 commission.

Manhattan life got it right by putting all of their premiums on one brochure.

My experience has been much different than what you described. I check the network and then I present one or maybe two benefit design options. Premiums tend to be about $45-$50. The application is wildly easy. Client picks a security question and a PIN and those count as their signature.

The heaped option works out to about $275 year 1 and renewals are like $40. That’s the standard contract for small agents.

When I call their help desk, the employees are always very helpful and give correct answers to questions.

To me the whole Cigna value prop is the 100% preventive coverage, $5,000 max benefit, and no waiting period with prior coverage. If network is an issue, I present Ameritas.

 

[GoPokes]

Just write delta dental, and stack it up. They work, and the policies are sticky

 

[Chazm]

Just write delta dental, and stack it up. They work, and the policies are sticky

That must be state specific. In FL they have two options. Nothing to stack to it.

 

[vic120]

It’s a decent network. Careington PPO network and I believe also Dentemax. Provider needs to be in one of them.

The Cigna plan is a PPO.

So is ameritas, in most areas, but I am finding most want to be in network and besides the network repricing I feel is the part of the value

 

[vic120]

Just write delta dental, and stack it up. They work, and the policies are sticky

Problem I found with Delta is they are different in every state different contract, different contact
some states dont contract

I did have one place that had a special deal with delta but they were more expensive, and even they stopped working with delta

But if I could offer them in multistate and have one place to do apps
without them being over priced
I would probably use them

 

[LostDollar]

That must be state specific. In FL they have two options. Nothing to stack to it.

I'm a bit unclear about what either of you are saying,

but as a thought gopokes may be saying to stack up individual customers using Delta on a take-it or leave it basis, rather than suggesting to stack multiple policies on one customer.

After seeing posts in this thread I am also a bit confused on what you are doing now, but I think you are basically doing what gopokes said, only using UHC instead of Delta.

You each have a process that works for you in your selling environments and it sounds like neither of your processes is going to work for vic in his selling environment.

 

[Jim Wright]

They waive the comprehensive waiting period? Entirely? I haven’t seen this but I rarely write their plans.

They don't have a waiting period at all. Benefits increase year 2 and if you've had any prior coverage they start you at the year 2 benefit.

Most dental plans have gotten rid of their waiting periods

 

[MedicareWAA]

They don't have a waiting period at all. Benefits increase year 2 and if you've had any prior coverage they start you at the year 2 benefit.

Most dental plans have gotten rid of their waiting periods

Yes but my understanding is that the year 1 coverage is trash. Plan pays like 20% pn major services, no?

 

[Chazm]

Yes but my understanding is that the year 1 coverage is trash. Plan pays like 20% pn major services, no?

Correct, and yes it’s not much. Better than nothing I guess. I still feel like most dental plans have a waiting period. Even when they say they don’t, it’s just reduced. Except UHC. Same coverage from day 1.