Others, including Frank, have said they don't mess with Part D stand alone plans due to client frustration, wasted time, and all the other BS that goes with it.
I'm starting to see the light. After having to explain the same concept to the same client over and over and over, after feeling like they are blaming me for short comings in the Part D program... even though I fully explain it, I'm about ready to do as others have done and stop offering assistance with the program at all. We don't get compensated for the time it takes to even reflect 1/10th of the hassle, liability, and risk we endure to "help".
What causes me to feel this way:
In Missouri we have a program called Missouri Rx. If you make under the income limits for the plan they pay 50% of an enrollees drug cost all year. Half of everything, deductibles, co-pays, and in the dough-nut hole. Not a bad program for free. Every year I've had the state send me 250-300 MORx applications since I run into so many folks that qualify, but have never heard of it. Just being a helping agent that cares.
Madge calls last week. She's upset that she's in the gap. I explain that nothing can be done, but bring up that she should be paying only half since we visited the subject of MORx last season (per notes in the cover of her file). "I don't have MORx", she says. Why not... blah blah blah.
Long story short... I know... tooo late.
She's blaming me that she was not enrolled in MORx and hinted to my wife that she should be "compensated" for the $530ish that she would have saved if enrolled.
Here's the kink. I don't enroll folks. I explain the program and maybe fill out the application if they are current clients, but if not I just leave the application. When they mail the app to the state they have to have copies of the medicare and social security cards so this is why I'm usually not the one "mailing" the app.
I'm seriously close to leaving the whole Part D section of senior insurance alone like Bill leaves Hillary alone.
I'm starting to see the light. After having to explain the same concept to the same client over and over and over, after feeling like they are blaming me for short comings in the Part D program... even though I fully explain it, I'm about ready to do as others have done and stop offering assistance with the program at all. We don't get compensated for the time it takes to even reflect 1/10th of the hassle, liability, and risk we endure to "help".
What causes me to feel this way:
In Missouri we have a program called Missouri Rx. If you make under the income limits for the plan they pay 50% of an enrollees drug cost all year. Half of everything, deductibles, co-pays, and in the dough-nut hole. Not a bad program for free. Every year I've had the state send me 250-300 MORx applications since I run into so many folks that qualify, but have never heard of it. Just being a helping agent that cares.
Madge calls last week. She's upset that she's in the gap. I explain that nothing can be done, but bring up that she should be paying only half since we visited the subject of MORx last season (per notes in the cover of her file). "I don't have MORx", she says. Why not... blah blah blah.
Long story short... I know... tooo late.
She's blaming me that she was not enrolled in MORx and hinted to my wife that she should be "compensated" for the $530ish that she would have saved if enrolled.
Here's the kink. I don't enroll folks. I explain the program and maybe fill out the application if they are current clients, but if not I just leave the application. When they mail the app to the state they have to have copies of the medicare and social security cards so this is why I'm usually not the one "mailing" the app.
I'm seriously close to leaving the whole Part D section of senior insurance alone like Bill leaves Hillary alone.