New CMS Regs

[jdeasy]

Hmmm...Seems like the captive companies have prevailed again with getting rules changed in their favor.

Also seems that many agents still believe CMS drives these rules.

The debil drives these rules. And the debil has succeeded in shifting the blame.

 

[Ins.Man]

And what "Captive" companies are you referring to? Last I checked there aren't too many of the big fish that don't rely heavily on their brokers.

Since most of the rules affect the big fish, their captives and brokers about the same I don't see how or why anyone but CMS is really behind about 95% or better of the rules/regs.

 

[Guest]

That's funny Insgal! First of all not all agents do reviews! Second, my comments about the confusion regarding the rule we are discussing was based on other posted comments on this board. Based on those postings it didn't appear there was a very good understanding of what was meant by the change.

Furthermore regarding this absurd post by you:

I cannot wait to hear how the lying cheating scumbag agents are going to get around this new rule. The complaints will be flying in their direction.
We have one agent in our area that calls his book from uhc every year (he has over 10k) to switch them to whatever koolaid he's selling that year, this will be fun !!!

You are referring to fellow agents as lying, cheating scumbags. I'll bet you run around saying that to people all the time. Bad mouthing other agents only gives the regulators more reason to create these types of rules. I'll bet you are also the type that likes to turn in other agents and/or get clients to file complaints against other agents! Your comments allow anyone to read you and the type of person you are like a book!

And by the way, for agents who are "going to get around this new rule" as you put it. What is so wrong with that if they do it legally? The rule doesn't just affect your so-called scumbag agents! It affects the good agents that provide a quality service to their clients. Maybe you should think a little harder before you lay out comments that are insulting and a little severe not to mention stupid. Apparently you are just going to follow this rule and not find a way to service your clients I guess! There is nothing wrong with finding a way around a rule if it is legal and especially if it is in the clients best interests. It also sounds like this other agent probably makes a lot more money than you and likely smarter! If I'm wrong and he is really a crooked scumbag agent then maybe you should turn him in! Otherwise, I would say your a little jealous.


Quote: "Chance favors the prepared mind"
Quote: "Anyone who views Health Insurance or Medicare as black and white is in the wrong business because it is all shades of gray"

Wow, your a real jerk. I'm sure you have run into some scumbag agents too and no, i have never turned one in, they hang themselves.
I was actually joking on your post about making new friends so back up.
Yes I will contact my customers and I will go over the plans that they currently have and i will invite them into my office for a one on one to go over what they have now and yes I will wait for them to ask me about other companies because I follow the rules so have a wonderful selling season.
I always do whats right but i always follow the rules too and if you don't and you get in trouble, it'll be your own damn fault.

 

[jdeasy]

And what "Captive" companies are you referring to? Last I checked there aren't too many of the big fish that don't rely heavily on their brokers.

Since most of the rules affect the big fish, their captives and brokers about the same I don't see how or why anyone but CMS is really behind about 95% or better of the rules/regs.

Seriously???????????????

 

[Ins.Man]

Seriously???????????????

Enlighten me... please.

 

[senior-advisor-indiana]

Am I the only agent here relieved that I have a legitimate reason not to call my clients this year?

 

[EltonHCP]

Is it just me, or is it "InsMan" fighting with "InsGal?"

 

[wehotex]

Why on earth would he want to do that?!!

 

[WCMason]

Am I the only agent here relieved that I have a legitimate reason not to call my clients this year?

You are not alone. I like the idea of plan reviews but it's an impossible task given the number of clients now and limited time during AEP.

 

[GAJ638]

That's funny Insgal! First of all not all agents do reviews! Second, my comments about the confusion regarding the rule we are discussing was based on other posted comments on this board. Based on those postings it didn't appear there was a very good understanding of what was meant by the change.

Furthermore regarding this absurd post by you:

I cannot wait to hear how the lying cheating scumbag agents are going to get around this new rule. The complaints will be flying in their direction.
We have one agent in our area that calls his book from uhc every year (he has over 10k) to switch them to whatever koolaid he's selling that year, this will be fun !!!

You are referring to fellow agents as lying, cheating scumbags. I'll bet you run around saying that to people all the time. Bad mouthing other agents only gives the regulators more reason to create these types of rules. I'll bet you are also the type that likes to turn in other agents and/or get clients to file complaints against other agents! Your comments allow anyone to read you and the type of person you are like a book!

And by the way, for agents who are "going to get around this new rule" as you put it. What is so wrong with that if they do it legally? The rule doesn't just affect your so-called scumbag agents! It affects the good agents that provide a quality service to their clients. Maybe you should think a little harder before you lay out comments that are insulting and a little severe not to mention stupid. Apparently you are just going to follow this rule and not find a way to service your clients I guess! There is nothing wrong with finding a way around a rule if it is legal and especially if it is in the clients best interests. It also sounds like this other agent probably makes a lot more money than you and likely smarter! If I'm wrong and he is really a crooked scumbag agent then maybe you should turn him in! Otherwise, I would say your a little jealous.


Quote: "Chance favors the prepared mind"
Quote: "Anyone who views Health Insurance or Medicare as black and white is in the wrong business because it is all shades of gray"

My God Ins Man...take a pill...relax. Don't know how long you have been doing this but CMS has been stacking rules and new rules on us every year. You mention getting around the rules. get a life....you get reported one time you
have a hornets nest. Yes I do reviews every year in AEP. I have my client ask
"what do you think is best for me"? Legally (you do take AHIP do you not?) you cannot answer that question. You have agents that will make unsolicited phones calls, knock on doors, and lie their asses off as far as benefits and SOA I guess they are cutting corners and making extra efforts to help the client as you mentioned. Give me a break.

I agree I do not like the regulations but it is what it is. So dont be such a snip with an attitude with people that are not only trying to be ethical but follow the law.