You've Gotta Be Kidding ?
- Thread starter stormtracker
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mississippiagent
Expert
- 54
Re: You've Gotta Be Kidding???
home health is also good at telling them what they need or don't need,belive me they listen to the little lady that come once or twice a week to bath them,take bp,...
phone verfications really are our best friend
did they also want it to go back retro to 8/1/07 to have you charged with a charge back?
home health is also good at telling them what they need or don't need,belive me they listen to the little lady that come once or twice a week to bath them,take bp,...
phone verfications really are our best friend
did they also want it to go back retro to 8/1/07 to have you charged with a charge back?
- 1,240
Re: You've Gotta Be Kidding???
According to the certifications with the MAPD plans this year, they still have Medicare, they still have to pay their Part B premium to Medicare, but a private insurance company is taking care of their Medicare claims instead of Medicare.
In regards to traditional Medicare, it's basically a private insurance company paying the claims.
I know there are some plans out there that leave alot to desire, but there are some that aren't too bad, especially for people on disability or that just can't afford a Med supp. With the government hacking away at the plans, that probably won't be the case for 2010.
According to the certifications with the MAPD plans this year, they still have Medicare, they still have to pay their Part B premium to Medicare, but a private insurance company is taking care of their Medicare claims instead of Medicare.
In regards to traditional Medicare, it's basically a private insurance company paying the claims.
I know there are some plans out there that leave alot to desire, but there are some that aren't too bad, especially for people on disability or that just can't afford a Med supp. With the government hacking away at the plans, that probably won't be the case for 2010.
- 7,066
Re: You've Gotta Be Kidding???
The "certifications" can "say" what ever they want. Just because they have to continue paying the Part B premium doesn't mean a thing other than the govt is still taking their money.
If they "still have Medicare" why is their card no longer of any use to them? I repeat, agents who say that are saying it to sell Part C plans. When I tell a prospect who is interested in a Part C plan that they will no longer have Medicare and that their card isn't any good any more they say, "I don't want that, I want to keep my Medicare".
Seniors understand "Medicare" and how their card works. Any agent who is telling them they "still have Medicare" is not explaining it to them so they can understand.
I just finished my CE credits for my license renewal. Any agent who believes and says that needs to read what is and isn't ethical.
The "certifications" can "say" what ever they want. Just because they have to continue paying the Part B premium doesn't mean a thing other than the govt is still taking their money.
If they "still have Medicare" why is their card no longer of any use to them? I repeat, agents who say that are saying it to sell Part C plans. When I tell a prospect who is interested in a Part C plan that they will no longer have Medicare and that their card isn't any good any more they say, "I don't want that, I want to keep my Medicare".
Seniors understand "Medicare" and how their card works. Any agent who is telling them they "still have Medicare" is not explaining it to them so they can understand.
I just finished my CE credits for my license renewal. Any agent who believes and says that needs to read what is and isn't ethical.
- 19,648
Re: You've Gotta Be Kidding???
On page 50 of the Medicare & YOU 2009 booklet it clearly says;
"Medicare Advantage Plans are health plan options {like an HMO or PPO} approved by Medicare and offered by private companies. These plans are part of Medicare and sometimes called "Part C" or "MA plans"."
It's twisting it a bit to tell seniors that they don't have Medicare if they are in an MA plan. These plans are Medicare. They just work differently. It is also wrong for an agent to not go over pages 50 thru 60 with a prosceptive client and I mean go over those pages in detail. I have run into many situations where none of it was explained. It's obvious from reading this board that there are many agents selling MA plans that don't have a clue as to what they selling. But, that can said about some med sup agents and some life agents.
Giving people an honest review of what's available and how each works is the only proper manner out there. MA plans have been a godsend for many. Even the PFFS plans have been wonderful here. With Wellcare and Coventry pulling their plans for next year many, many of my clients are going to be suffering. I've had 3 clients this week tell me that they just won't be able to haave anything next year except original Medicare. The PFFS plans stil available next year are $50 to $69/mo. this year. Those are surely going to rise. Those people would be good candidates for a med sup if they can qualify medically and most can't. The people on Wellcare and Coventry will have the GI, but, they are on zero premium now. Especially the duals and the LIS people. They won't be able to afford anything.
On page 50 of the Medicare & YOU 2009 booklet it clearly says;
"Medicare Advantage Plans are health plan options {like an HMO or PPO} approved by Medicare and offered by private companies. These plans are part of Medicare and sometimes called "Part C" or "MA plans"."
It's twisting it a bit to tell seniors that they don't have Medicare if they are in an MA plan. These plans are Medicare. They just work differently. It is also wrong for an agent to not go over pages 50 thru 60 with a prosceptive client and I mean go over those pages in detail. I have run into many situations where none of it was explained. It's obvious from reading this board that there are many agents selling MA plans that don't have a clue as to what they selling. But, that can said about some med sup agents and some life agents.
Giving people an honest review of what's available and how each works is the only proper manner out there. MA plans have been a godsend for many. Even the PFFS plans have been wonderful here. With Wellcare and Coventry pulling their plans for next year many, many of my clients are going to be suffering. I've had 3 clients this week tell me that they just won't be able to haave anything next year except original Medicare. The PFFS plans stil available next year are $50 to $69/mo. this year. Those are surely going to rise. Those people would be good candidates for a med sup if they can qualify medically and most can't. The people on Wellcare and Coventry will have the GI, but, they are on zero premium now. Especially the duals and the LIS people. They won't be able to afford anything.
- 1,255
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HolyRoller
Expert
- 37
Re: You've Gotta Be Kidding???
Storm Tracker...Unless you have commited a violation, this is not a big deal. You are dealing with a common occurance. Just answer the questions, and if you did nothing wrong, all is well. If no, then you will have consequences. Either way, use this experience as a learning tool. Good Luck and God Bless.
HolyRoller
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She IS NOT disenrolled from MediCare. She is still enrolled with all rights and protections. A Medicre Adv. program is a sub-contract situation. It is a very important detail. If you sell the product you should be well versed. If not...get up to speed.
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She IS NOT disenrolled from MediCare. She is still enrolled with all rights and protections. A Medicre Adv. program is a sub-contract situation. It is a very important detail. If you sell the product you should be well versed. If not...get up to speed.
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WRONG...WRONG...WRONG...
She is absolutely still enrolled in Medicare. I think you understand this point, but appear to have an ax to grind.
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PEOPLE...PEOPLE...PEOPLE
Enrollment into Part C or Part D, IN NO WAY, disenrolls a beneficiary from Medicare. If this is not your understanding, you need to get up to speed. If you inform people otherwise, you are spreading an untruth, and causing harm.
Storm Tracker...Unless you have commited a violation, this is not a big deal. You are dealing with a common occurance. Just answer the questions, and if you did nothing wrong, all is well. If no, then you will have consequences. Either way, use this experience as a learning tool. Good Luck and God Bless.
HolyRoller
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She IS NOT disenrolled from MediCare. She is still enrolled with all rights and protections. A Medicre Adv. program is a sub-contract situation. It is a very important detail. If you sell the product you should be well versed. If not...get up to speed.
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She IS NOT disenrolled from MediCare. She is still enrolled with all rights and protections. A Medicre Adv. program is a sub-contract situation. It is a very important detail. If you sell the product you should be well versed. If not...get up to speed.
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WRONG...WRONG...WRONG...
She is absolutely still enrolled in Medicare. I think you understand this point, but appear to have an ax to grind.
- - - - - - - - - - - - - - - - - -
PEOPLE...PEOPLE...PEOPLE
Enrollment into Part C or Part D, IN NO WAY, disenrolls a beneficiary from Medicare. If this is not your understanding, you need to get up to speed. If you inform people otherwise, you are spreading an untruth, and causing harm.
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- Thread starter
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- 919
Re: You've Gotta Be Kidding???
Funny thing is, although the application was taken in AEP 2007, the complaint response form asks all the usual 2009 questions about Scope, phone call being recorded, 48 hour rules, etc... Knowing the nature of these kinds of things, I can just see agents being held accountable retroactively for rules that were not even in place back when. It's already happened with Advantage first year commissions!!! This makes me very nervous as the current climate of government is to ignore facts and make examples out of folks...
Funny thing is, although the application was taken in AEP 2007, the complaint response form asks all the usual 2009 questions about Scope, phone call being recorded, 48 hour rules, etc... Knowing the nature of these kinds of things, I can just see agents being held accountable retroactively for rules that were not even in place back when. It's already happened with Advantage first year commissions!!! This makes me very nervous as the current climate of government is to ignore facts and make examples out of folks...
