Saver 80 Outpatient ?
- Thread starter HoosierLife
- Start date
- 5,056
I did that discount card idea Mark thought up. I signed this lady's biz up and began to have a conversation about life ins. Then she asks, "Can you do health ins?" Long story short, I'm gonna try and cross sell some life ins. But I gotta at least sound like I know what I'm talking about.
my point is running a health appt, is just wasting ur time and $$, if they want health, do it over the phone, otherwise ur time would be better spent watch tv or playing xbox
I was talking to a friend just yesterday, who has Multiple Myeloma. His pills cost $164,000 for 21 pills. Fortunately, he has 65+ Medicare and his cost is $2200. For the uninsured or underinsured, I'm sure there's a way to get that $164,000 reduced, but it takes time to do that. In the meantime, the lack of treatment affects longevity and quality of life. And not all costs can be negotiated down to a level most people could afford. MRI's are expensive, as are CAT Scans and lots of other tests. Even a normal round of 20 physical therapy visits will add up. Visits to the PCP and Specialist add up, especially if you get cancer, diabetes, or something similar.
When a high deductible plan (preferably an HSA) costs just a few dollars more than Saver 80, I can't justify selling the Saver, and most clients readily see the reason to add a few extra premium dollars to control the risk.
where? please enlighten me as I just cant seem to come up with one single reason anyone would see that as a solid option.... however their comp is a little higher and they have a nice bonus program
- 8,448
If the potential client's funds are that tight, they will qualify for health insurance subsidized by their neighbors and countrymen in 11 months.
HoosierLife should be back from his appointment by now. Please let us know what happened, H.L.
-ac
HoosierLife should be back from his appointment by now. Please let us know what happened, H.L.
-ac
- 4,707
Exactly what it says.
And BTW, if you sell this plan, it will come back to haunt you.
I don't care how well you explain what is not covered in the plan, somewhere down the road , the insured might need extensive outpatient visits and brand name medication coverage. They will forget what you told them at the time of the application.
They will end up blaming you for their financial plight.
These are legitimate concerns that all of you are posting, and some are almost touching, but isn't the train going to set sail in a few days?
Uninformed agents have been writing plans blindly for years, what are you worried about it now for? Does it make you feel better? Your goose is just about cooked, your wine is just about drunk, your cabbage is just about stewed.....
Uninformed agents have been writing plans blindly for years, what are you worried about it now for? Does it make you feel better? Your goose is just about cooked, your wine is just about drunk, your cabbage is just about stewed.....
- Thread starter
- #18
- 6,994
She had some back problems that lasted about a year and UHC rated her. She has Humana now, and it would have been more expensive with any of my carriers. Also, on paper she makes less than $25k and I put that in the obamacare calculator and her premiums would be cheaper and UHC would have considered her back stuff pre-ex, so I told her just to wait.
She has no kids, no mortgage, but her brother died of cancer, so I think I have her sold on a CI policy. She was super interested. She only had an hour and had to go do a nail appt, she owns a nail salon.
She also has a DI policy that's $78/mo and would pay out $420/wk if she hurt her arm/hands. That's what her agent told her anyway. I know nothing about DI, so I told her I would look into it. She's 44, NT, 5'2", 104 lbs if anyone knows about DI, I would appreciate any tips.
Her agent moved out of state which bothered her a lot, so she's looking for a new agent.
She has no kids, no mortgage, but her brother died of cancer, so I think I have her sold on a CI policy. She was super interested. She only had an hour and had to go do a nail appt, she owns a nail salon.
She also has a DI policy that's $78/mo and would pay out $420/wk if she hurt her arm/hands. That's what her agent told her anyway. I know nothing about DI, so I told her I would look into it. She's 44, NT, 5'2", 104 lbs if anyone knows about DI, I would appreciate any tips.
Her agent moved out of state which bothered her a lot, so she's looking for a new agent.
I love the imagery. Well, maybe a sailing train is a bit hard to imagine, but the rest of it isn't. Some predict that we can be eating goose a l'orange with wine if we can just convince the competition to believe their goose is cooked and their wine drunk.
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I tell any client that ask about other crap, including life insurance that I don't know jack about other products and I don't want to know a dang thing about them, so don't ask.... I tell them I'm as dumb as they are... Blind leading blind.... I explain I am the anointed one for all matters related to Indy health
Work your target.... Do you think an OBGYN knows about anything except coutter? Think he is gonna preform rotator cuff surgery?
Work your target.... Do you think an OBGYN knows about anything except coutter? Think he is gonna preform rotator cuff surgery?
