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I understand you target Med supp so you are naturally going to enroll a higher percentage of your prospects in a Med supp but I was wondering of your prospects who want to know about both MA and med supp what percentage of your prospects do you end up enrolling in MA on Medicare.gov after you give them a medicare health plan options presentation.Seems like it would be hard to remain unbiased if your not going to get paid if you recommend the MA option . I always try to be unbiased as possible when presenting all Medicare Health Plans options but for those prospects who are on the fence and both options are suitable sometimes its hard to resist the urge to steer them to the 400.00 commission product - especially for the T65 prospects who sometimes will ask me " well which plan do YOU think i should go with ?" Of course the 12 month trial period kind of gives them a mulligan anyway. That's good for your prospects that you are willing to enroll them in a MA plan on Medicare.gov if it best suits their needs but it double sucks for you since you get no commission and youl ose the PTC . For CYA reasons I would fully disclose to the prospect the benefit they lose by not having an AOR because if they have issues with the plan down the road and only then realize they don't have an AOR with a vested interest in their satisfaction of the plan or someone to legally hold accountable for suitability issues then there could be a problem for you.
I do get paid on MA plans. But occasionally I have people that I just don't want as a customer at all. Like a deaf guy who's 1st conversation started out with I have to pay his interpreter or I will get sued. Nope. Sorry, but I just help those people enroll. They aren't going to be my customer.
I never want to be the agent on any RX plan. But I help them all.
But any agent who wants to sell Med Sup only doesn't need to turn MAs to another agent. He can help them all. Probably better than we can because he's not so restricted.
That's the point I was making.