Anyone have first hand knowledge of this plan?

Has anybody had success in being able to view your Golden Rule commission statement on the new estore for this month? Seems as if they aren't posted yet.

Guess we now know what the 4/4 commission change really was all about.

In court filings, the State Ins. Dept alleges that Pacificare violated California state law over 1 million times between 2006 and 2008 after United Healthcare bought the company.

Link to Story Here

Tsk, tsk. And to think United Healthcare was such an upstanding company.

:goofy:

I am trying to help a friend of a current client. My market is seniors, I am a little unclear what this womans options are...

Female 63 yrs.
Living in TX zip 77489
5 ft. 9 in. 250 lbs
Type II diabetic (glyburide 5mg) for one year now
HBP (Benecar)
Cholesterol (Crestor) both HBP and CHol. meds for 5 yrs
All three issues controlled with meds.

Currently has coverage, COBRA starting this month......I checked Golden Rule and they will not consider. High Risk Pool Rates are way too high. She would do a high deductible, just need to find one that is less per month.

Any suggestions? If you can get a decent quote i will give you the info to write her.....I am not worried about the commish, just that she gets help

Has anyone run across this firm before? They're not offering anything new, but I found this statement rather troubling:

" We are leveraging the internet and web based tools to sell supplemental plans to existing clients and to acquire new ones. You can sell these products online NATIONWIDE (you need only to be licensed in your home state) via your own replicated website."

I wasn't aware that you could sell an insurance product across state lines without being licensed in the customer's home state. I supposed the catch might be that Litchfield doesen't consider these to be insurance products.

Perhaps I'm being an alarmist, but this looks like something that agents should steer clear of.

:GEEK:

Aetna is extending their current bonus plan to 12/15/2010...

Our Spring into Summer Incentive Program has been extended to December 15, 2010. As a reminder, the sales incentive program offers you the opportunity to earn an extra $250 to $10,000 based on your sales during May - December. The more you sell, the more you can earn!

Got the mail today - nice big postcard mailer from Aetna touting the great sales opportunities of the individual market:

Inform video

In what states are HumanaOne plans price competitive? Does anybody consider them one of their top carriers?

I am appointed w/them and familiar with their plans but have not sold any because their premiums in MI aren't competitive w/UH1, Aetna, or even Assurant.

Does anybody have any info on the Medicare Advantage Plans that are advertised as Special Needs Plans? I ran across a lady who has Medicare due to disability, and is also bipolar, so she appears to qualify. I've never really worked in advantage plans before, so if there is a MO agent that wants this one, please let me know. I was curious if there were any thoughts on them, however.

I have a man and a woman, both are 61, Husband has no pre ex. conditions, but wife has HAD cancer... They have BCBS of MI for about 1400 a month. The policy was paid for by the church because the man is a pastor and the wife is a pastor as well.. They are looking at different options to save money. (I always assumed that you cannot pay for the premium for a plan with a contributions from your employer, etc..)

Is there any thing I can do to help the situation? How about setting up a group plan? it would be for just them, and does a church qualify as a business?

I need to gain some insight on which companies are reputable in this industry. I have heard of the Norvax and Quotit get ups. What else is out there? One thing I did like about Quotit; they quote all individual lines, including a killer Medicare quote engine. It is pricey though, not as pricey as Norvax(which does only individual health). There has to be competitors...no monopoly!

Here is the email I recieved

Subj: Pacificare/Golden Rule sales in CA

Effective immediately, GR/UHC/Pacificare has reduced commissions for the sale of individual major medical in the state of CA to 4% to GAs.
.
The actions taken for the state of CA does not portend to what may be forthcoming for other states.

Please disseminate immediately to your downline.

I've been pondering United Heath One's recent change in effective dates from basically choosing any effective date to 30 days out.

Then I got this:


*Coverage effective dates for Golden Rule renewable health plans will be the later of 30 days after an application is received or the date requested by the customer (but no greater than 60 days).

*Also, the 14-day waiting period for illness following the effective date of coverage will be eliminated, so there will no longer be separate effective dates for injury and illness.

Since they have decided to eliminate their policy of not covering illnesses within 14 days of the effective date they are protecting themselves by requiring 30 day effective dates.

I have recently started selling health insurance, I previously only dealt with life insurance. This is my first client and I need help.

It is a husband and wife, they were covered under the wifes group health plan with aetna, but she lost her job last year and was supposed to be called back in feb. of this year, but she never did.

She is 60 years old, the husband is 63. She does not smoke and neither does he. She does not have any health issues, but he had prostate cancer last year, had surgery in Nov 09 and everything is normal now (saw the doctor 3 times since surgery).

They are on a limited budget now, only can afford around 300 - 350/month she was given a quote of 200 and something dollars a month with a 60% coinsurance by another agent.

I am appointed with assurant, highmark, bluecross of nepa, celtic, and united health one.

I am still new to health insurance. I just dont know what to do about his cancer. Would he be rated or rejected?

If anyone can offer me and advice or assistance, I would appreciate it.

Needed a new tube for a CPAP machine and called my local medical supply house. They pulled my insurance info and said the tube would be, after adjustment, to be $60. Called back and asked if I didn't have insurance how much, $20. Went to the store later yesterday and the clerk tried to charge me $45, ended up paying $20. Still don't understand why insurance companies don't monitor costs of equipment.

Anyone have experience with having Norvax and then dropping it?

I am just not getting the quote request throughout the quote engine. More and more people are calling me from my website.

The fact that there might only be a a couple of carriers to sell here real soon I am wondering how value Norvax will be?

Thoughts?