JaBrooklyn
Expert
- 83
I picked up 3 new med supps this year using precise leads, 2 with f2f and one over email. I find email really easy with med supps since there isn't much to negotiate
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As I said I am throwing out ballpark numbers. I must have hit a hornet's nest talking about agents who sell products to consumers based on commission payouts and the ease of sale. I feel like Gordon Ramsay in Kitchen Nightmare talking with defiant business owners that their food sucks. Well here you go guys: agents who sell policies to consumers due to easy of sale and commission amount are scum of the earth and the biggest reason our industry is over regulated and has a bad reputation. I spit on all like that. Not accusing anyone here as seems some of you guys do sell all product types, but I feel a large number of users here are greedy and in it for the money. Hope Karma finds you all soon. Later.
I could be wrong since I'm new to senior health insurance but the fact that MA is 100% government funded tells me care is a very low priority and like Obamacare, looks better than it works. Zombie, Your way of thinking sounds limited to what you know as opposed to being open to learning more about what you don't understand.
All this back and forth over medicare products reminds me of left/right political polemic, when the reality is, both products (MS & MAPD) have their place. I agree that MS is by far a superior product and I strongly urge all of my senior clients to go that route paired with a PDP. However, there are many that either; 1.) Can't afford the premiums or simply won't pay them. 2.) Have missed their OEP/GI period, are unhealthy and won't qualify for MS. 3.) Are on SSDI and are under 65 and can't/won't pay the exorbitant under 65 MS premiums. 4.) Are on both Medicare and Medicaid and are "dual eligible" and are a perfect fit for a SNP. For this group, MAPD is absolutely worth it if their doctors/hospital are in network. Furthermore, for the SNP/SEP demographic, you can sell MAPDs year round, not just during AEP. Yes, MAPD is a complete pain in the ass every year with testing, red tape, SOAFs, etc...but, why would you leave money on the table when it really is low hanging fruit AND gives the individual better coverage than what they would have with just original medicare? In my humble opinion, it's absolutely worth it to provide both options to your clients. Strongly encourage them to go with MS because it's the right thing to do, but don't just walk away empty handed and leave them with just original Medicare. Just silly not to offer MAPD. The Westfall method works great for phone sales of MS (I can personally attest), but if you don't also offer MAPD, you're walking away from a substantial client base and source of income that you wouldn't have otherwise. My $0.02...
if you don't also offer MAPD, you're walking away from a substantial client base and source of income that you wouldn't have otherwise.
I don't sell anything, but I do a very good job of explaining how Mcare works and the differences in MA vs Medigap. Prospective clients choose what is best for them.