When a T65 is Unable to Afford a Med Sup

Aug 10, 2015

  1. eagles12
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    eagles12 Expert

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    I have recent Med Sup leads where the prospects returned the lead cards.
    I've spoken to a few of the leads and they either have Kaiser coverage(and want to stay w/Kaiser). Or they don't have the funds to pay for a Med Sup.

    There are MA plans available that are less expensive and which I'm licensed to sell in the area. My understanding is I can have them sign a SOA and set an appointment to return as early as 24-hours later to discuss the MA. Is that correct? Or should I schedule the MA presentation later. Thanks.
     
    eagles12, Aug 10, 2015
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  2. WCMason
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    WCMason Guru

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    "48 hours whenever practical." 24 is acceptable if 48 isn't practical.
     
    WCMason, Aug 10, 2015
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  3. GoPokes
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    GoPokes Guru

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    MA plans are usually a great fit for that market, people who want less out of pocket exposure than basic medicare, but cant afford a sup. Get that SOA signed and go back in a couple days. You should be fine.
     
    GoPokes, Aug 10, 2015
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  4. Bob_The_Insurance_Guy
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    Bob_The_Insurance_Guy Guru

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    Here is some very unpopular advise. Let them stay with KP. You get a referral fee, and they keep their doctors, and are comfortable with how KP operates. No immediate income for you, but if they want to stay with KP, let them. If someone gets hold of them next year, and tells them KP offers MAPD, you will lose them as a client, and they won't think very highly of you.

    Just my two cents. Do what is best for the client, not yourself.
     
  5. wehotex
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    wehotex Guru

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    KP offers a referral fee?
     
    wehotex, Aug 10, 2015
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  6. Bob_The_Insurance_Guy
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    Bob_The_Insurance_Guy Guru

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    Here, in Atlanta they do. Call your DM and ask. Whether they do or not, do what is best for the clients. Karma can be an angel or a devil.
     
  7. sman
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    sman Guru

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    Very rarely do I come across a prospect who wants to go with Kaiser. I can count on one finger the times it has happened. Most of the time they want to have a bigger selection of doctors and hospitals. Of course, most of my clients don't live near a Kaiser location. They may live near one of the PCP locations, but not the big centers with the specialists and labs.

    With that said, some people like being able to get most stuff done in one location. The one person I mentioned above, she had Kaiser prior to turning 65 and wanted to stick with it when she went on Medicare since she liked her doctor and is extremely healthy. Her husband has Aetna with me.

    But I agree, do what is best for the client. You can never go wrong doing that. Even if you make no money from the deal.
     
    sman, Aug 10, 2015
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  8. Josh
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    Josh Retired Agent, Current List Broker

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    My little girl is having some serious health issues and I couldn't be happier with the Kaiser care model. We do live in an area with the centers and the quality of service is phenomenal.
     
    Josh, Aug 10, 2015
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  9. sman
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    As I said, some people like it.
     
    sman, Aug 10, 2015
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  10. somarco
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    somarco GA Medicare Expert

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    Which finger would that be?
     
    somarco, Aug 10, 2015
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