I Won't Write that App !!

[FLM2]

Bad analogy..........sorry if I offended my friends on the board.

But, I will say, the situation came up today. Long term client and good friend, buying off exchange in Sarasota county. Choice of county specific HMO and for $50/mo more, the MC PPO HSA. As you know, Children's hospital not in network in the HMO, but is in the MC network. His daughter spent a week in childrens hospital last year, and told him I can't be part of the HMO sale. He got the idea and is spending the extra $50 for the MC.

It's all situational, no blanket statements or advice, as we all know.

On exchange, the only choice is the HMO

That analogy wasn't your finest hour

Anyone taking the Aetna HMO with children or cancer concerns has to be out of their minds, the MC plan is the better choice, particularly since Aetna finally admitted to me today that there are no referrals needed for the MC even though the SBC says they are.

 

[ABC]

That analogy wasn't your finest hour

Anyone taking the Aetna HMO with children or cancer concerns has to be out of their minds, the MC plan is the better choice, particularly since Aetna finally admitted to me today that there are no referrals needed for the MC even though the SBC says they are.

This is what selling is all about. Can you educate a person on the best option for their situation? That is what selling health insurance (off or on) is all about.

I will not waste anytime on prospects that thinks they know more about health insurance than I do.

 

[FLM2]

This is what selling is all about. Can you educate a person on the best option for their situation? That is what selling health insurance (off or on) is all about.

I will not waste anytime on prospects that thinks they know more about health insurance than I do.

That's what all of us do every day-if a client knows what plan they want, though, and just wants me to process it without any input I won't normally turn it down (unless it's an STM or, in the past, a limited benefit plan).

Those situations though, are very rare with my clients, they almost always want advice even if their eventual choice isn't my recommendation.

 

[Yagents]

This is exactly what I'm talking about:

Health law impacts primary care doc shortage

when she and her husband both needed authorization to see separate specialists.
She called the doctor's office several times without luck.
-----------
At the same time, insurance companies have routinely limited the number of doctors and providers on their plans as a way to cut costs. The result has further restricted some patients' ability to get appointments quickly.
------------
Dr. Jack Chou takes patients only during open enrollment. Otherwise, it's a six to nine-month wait at his Los Angeles-area practice, where most of the new patients were covered through Medicaid expansion.
--------------
there have been cases like that of the Papas, in which consumers call multiple doctors only to find they are not in network or the doctors are not taking new patients
---------------
They told him the plan they chose last year made it extremely difficult to find primary care doctors.

"Coverage does not equal access," said Halby, who instead recommends his clients choose a plan outside the exchange that has a much broader provider network but also will not come with the government premium subsidies given to most of those who buy insurance through the exchange. "I tell people this up front: The premiums are going to be higher because there's no subsidy. However, I'm going to guarantee you can keep your doctor.

 

[somarco]

I will not waste anytime on prospects that thinks they know more about health insurance than I do.

My thoughts exactly.

I have closed down discussions within 5 minutes where someone called and then proceeded to tell me they have looked everywhere for (insert benefit here) and wanted me to help.

Me - "You haven't found it because it doesn't exist"

Them - "No, I know someone who has this"

Me - "Ask them where they got it. I can't help you"

 

[yorkriver1]

I would like to sell a PPO to some of my older clients without subsidies. Unfortunately, the ones here are about 35-40% higher. Talking $550/mo vs. $850 for a 62 year old, on a high deductible plan. They are so mad that their old plan that non-renewed is half the new maternity/GI/ped. dental rich plans. Looking at doing an HSA for a couple years on this business owner. Spouse just T65, set up on Plan G, is very happy, the younger one is not.
Re: network limitations and other woes--BCBS has set up a true POS that will allow insureds to use the National Blue Card Network when out of state. Last year the individual plans with our local blues did not have any plans with that benefit. Blind sided me, bad assumption. This year, only the POS plans on Anthem have the Blue Card Network same as in network out of state benefit. It's on the brochure.

 

[somarco]

There are a lot of unhappy people out there. Probably more than last year when the plans were supposed to sunset.

Fortunately for them, less so for the American public, the law was altered by decree, allowing older plans to remain in place ............... until after the election.

 

[bluediamond]

You can say that again S, I don't believe in 20 years I have had so many po'd people calling, it's been a combination of being transferred from one person to another and telling their story to each and every one, then when I ask "How can I help you", that's when all hell breaks loose. Then to put the icing on the cake, I cannot help them. I saw the handwriting month's ago and should have made the switch to independent then.

 

[somarco]

BD, if you are going to be so familiar with my name, at least spell it right.

I saw the handwriting month's ago and should have made the switch to independent then.

I started writing Medigap a little over 3 years ago. Should have started sooner.

 

[sman]

My thoughts exactly.

I have closed down discussions within 5 minutes where someone called and then proceeded to tell me they have looked everywhere for (insert benefit here) and wanted me to help.

Me - "You haven't found it because it doesn't exist"

Them - "No, I know someone who has this"

Me - "Ask them where they got it. I can't help you"

Had the same issue last week. Woman adamant that some insurance carriers cover fertility treatment because her doctors office said some do. I explained that there are no individual plans here that cover it.

Her - "I'll email you the list the doctors office gave me showing which carriers cover it"

Me - "No need because none of those plans are available to you"

Her - "How can you say that without even seeing the list"

Me - "Because I've reviewed the SBC's of the plans available to you and none of them cover it"

Her - "Are you saying the doctors office is wrong"

Me - "No, I'm sure there are plans that cover it. I'm willing to bet they are group plans and most likely large self-funded plans. What I'm saying, and I hope you hear me this time, there are no individual plans available to you that will cover it"

And my personal favorite so far this year was the client who gets a subsidy complaining that her premium is increasing and telling me the government needs to regulate this. I explained to her the government regulating it is exactly why her premiums are as high as they are. I also reminded her that two years ago her premiums were much less than they are today. She kept moaning and complaining. If she wasn't an employee of another client I would fire her.