http://www.insurance-forums.net/forum » Do you have questions about selling any insurance product for seniors?» Medicare plans, retirement plans, final expense insurance or senior specific questions about any insurance products en Fri, 20 Nov 2009 21:21:11 GMT vBulletin 120 http://www.insurance-forums.net/forum/images/misc/rss.jpg http://www.insurance-forums.net/forum http://www.insurance-forums.net/forum/medigold-health-maintanance-organization-medicare-advantage-plan-thread16345.html Fri, 20 Nov 2009 19:20:28 GMT Anybody have any experience or feedback. Thank... Anybody have any experience or feedback. Thank you! ]]> Senior Insurance Forum sodaytongal http://www.insurance-forums.net/forum/medigold-health-maintanance-organization-medicare-advantage-plan-thread16345.html http://www.insurance-forums.net/forum/newspaper-ad-what-say-ye-thread16341.html Fri, 20 Nov 2009 17:53:38 GMT comments please... _Medicare Supplement... Comments please...

Medicare Supplement Savings

Here are some examples of what we’ve done for others recently:
· 65 male, plan F w/United American at $190/mo switched to plan F with United of Omaha for $139/mo.
· 77 male, plan E with AARP at $188.50 switched to plan E at American National for $136.60/mo.
· 77 female, plan E with AARP at $188.50 switched to plan E at American National for $124.41/mo.
· 68 female, plan F with Mutual of Omaha at 158.60 switched to plan J at United of Omaha for $107.18.
· 65 female, plan C with Blue Cross at $152/mo switched to Plan J with United of Omaha for $95.08/mo.
· 84 male, plan F with American Family at $225/mo switched to Heartland National for $184/mo.
Big savings, no risk, and local service. What are you waiting for?

]]> Senior Insurance Forum G.Gordon http://www.insurance-forums.net/forum/newspaper-ad-what-say-ye-thread16341.html http://www.insurance-forums.net/forum/medicare-advantage-app-trivia-question-thread16332.html Fri, 20 Nov 2009 13:32:29 GMT When MA apps ask whether the client is working or... When MA apps ask whether the client is working or not, why is that question being asked. I mean what difference does it make?

On long term care, life insurance, and disability it is used as one of many indicators of whether the person is currently functioning but unless a person has renal disease they are good to go with an MA. So what are they trying to get at there. If a person says "I work one afternoon a week at the senior citizen center, then what? You check yes and it tells them what?

Where are they headed with that question?

Yeh, I know. It's trivia. ]]> Senior Insurance Forum Winter http://www.insurance-forums.net/forum/medicare-advantage-app-trivia-question-thread16332.html http://www.insurance-forums.net/forum/ohio-under-65-med-supp-thread16306.html Thu, 19 Nov 2009 16:44:59 GMT Anybody know what carrier has med supps for those... Anybody know what carrier has med supps for those under 65. I know of one, looking for another. Thanks. ]]> Senior Insurance Forum sodaytongal http://www.insurance-forums.net/forum/ohio-under-65-med-supp-thread16306.html http://www.insurance-forums.net/forum/reselling-why-my-persistancy-company-thread16305.html Thu, 19 Nov 2009 16:41:05 GMT Hi All, Been in FE for 5 years now. Have sold... Hi All, Been in FE for 5 years now. Have sold with 6 different companies and there product lines for FE. All in all have around the same retention on biz that's 1 year old, say 80 to 85% on (submitted) business. That's except for one! 65-70% is the best I can do with company "X", and that's looking at a five year picture. I've inquired threw the years with my up-line, and others I've come to know with this and always get different versions of "the company line". They say the economy is bad or something to that effect. Well recently a customer called to cancel, and told me company "X" had been calling every since I sold them. Trying to sell them other (BS) in there words. That the Mrs. signed up for identity theft, and they started taking it straight from there acct. under company "X s" name with no signed authorization! They apparently got here to sign up for one month free, and she forgot to call,and request a form,to be mailed, to sign,to mail back in, to cancel! So with much confusion I called company X. Not only identity theft, but many other BS products where being crammed down my hard earned customers throat. This wasn't the first time an existing customer had mentioned this to me, just the first time I put 1 and 1 together. I mean WTF! I have called up-line with the other companies and have yet to find anyone else doing this. Also called company X upline and come to find out, X is partners or owns these sub companies reselling everthing from cancer policies to dental care to identity theft to whom no's what else! All of the back of my work, or atleast with a dame good preapproche. For example: say my mortgage company calls to varify my address or whatever. Thinking its my mortgage company I'll probably answer the phone. Then I'll most likely listen and answer there reason for calling. Now they have my attention. As a saleman getting to that point, getting past the proverbial wall is step 1 on any product. It would be very easy to transition to some offer at this point and all under the pretense that I'm talking to my mortgage company. I just wonder if anyone thinks its costing me in persistancy? Thank's:skeptical: ]]> Senior Insurance Forum scottishX http://www.insurance-forums.net/forum/reselling-why-my-persistancy-company-thread16305.html http://www.insurance-forums.net/forum/pre-set-medicare-advantage-appointments-thread16303.html Thu, 19 Nov 2009 16:39:12 GMT and here I thought preset MA appointments by TM... And here I thought preset MA appointments by TM was a dead thing ]]> Senior Insurance Forum TristanTLC http://www.insurance-forums.net/forum/pre-set-medicare-advantage-appointments-thread16303.html http://www.insurance-forums.net/forum/medicare-beneficiaries-thread16281.html Wed, 18 Nov 2009 22:30:22 GMT Does anyone know where I can get a Telemarketing... Does anyone know where I can get a Telemarketing list of medicare beneficiaries that would include under 65 beneficiaries ? ]]> Senior Insurance Forum Mega producer http://www.insurance-forums.net/forum/medicare-beneficiaries-thread16281.html http://www.insurance-forums.net/forum/best-medicare-advantage-plan-sell-thread16269.html Wed, 18 Nov 2009 16:49:51 GMT I am returning to the medicare field because in... I am returning to the medicare field because in this market I can not turn a way any type of sale.


What is the best MA plan.
I am not worried about cost but the best in terms of coverage?


Thanks ]]> Senior Insurance Forum ABC http://www.insurance-forums.net/forum/best-medicare-advantage-plan-sell-thread16269.html http://www.insurance-forums.net/forum/american-association-retired-persons-got-loveum-thread16264.html Wed, 18 Nov 2009 13:27:49 GMT AARP is helping me sell Med Supps. So far this... AARP is helping me sell Med Supps.

So far this week I have written four Med Supps for two couples. That in of itself is not worthy of starting a new thread.

What is significant about that is that they called me and asked me to sell them a Med Supp. All four had AARP, all four said they were fed up with AARP's stand on whats his name's health care proposals.

AARP is rapidly falling out of grace with seniors. They are finally seeing AARP for what they really are. An organization that exists, not to help seniors, but to bleed them of every cent they have. (I'm holding back.)

For all those agents who are keeping track of who the people you are calling have their current policy with now is the time to drop the hammer on everyone you have talked to who told you they have AARP and "love them". When you call them back ask them what they think of AARP's stand.

Normally seniors will not pay more to take a Med Supp than what they are currently paying. In talking to the first couple the guy said, when I got there, "I don't care what it costs, I'll take it." I was able to save them money but I really think he would have taken it even if mine was a few dollars more.

This is an incredibly unique opportunity and may not last for very long. Get on the phone and start calling all those AARP people you have talked to in the past and make sure you have a couple of extra pens handy so you don't run out of ink. ]]> Senior Insurance Forum Frank Stastny http://www.insurance-forums.net/forum/american-association-retired-persons-got-loveum-thread16264.html http://www.insurance-forums.net/forum/felony-conviction-want-sell-final-expense-thread16261.html Wed, 18 Nov 2009 07:38:00 GMT I am in Ohio. Just finished serving a 20 month... I am in Ohio. Just finished serving a 20 month sentence in federal prison, for crimes committed in '98-2001 (it took years for them to allow me to plead guilty). I received my grand jury subpeona in '02, did not got go to prison till '08.

My charges I pled to were:

1) Subscribing to a Tax Return which he did not believe to be true and Correct as to Every Material Matter

2) Making False Documents Containing Materially False Statements

Prior to '02 I was in real estate, and a top, top, top performer ( 5 years in a row, multiple 6 figure income). In '03 took a break, and started a drain cleaning business, which won the Angie's List Super Service Award 3 years in a row. Terrific comments from clients testifying to what a great job we did (I sold the business before entering prison). Why I bring this out, is I feel I rehabilitated myself even BEFORE I went to prison. I screwed up (BAD), and paid bad.

This is a 2 prong question.

First - does anyone know if the Dept of Insurance will grant me a waiver. I know they CAN, the question is will they? Can anyone recommend an atty in Columbus, Ohio that would be good at advocating this for me?

The second is the second hurdle? IF I get the license, and I get an agency to take me on, will any insurers allow me to write for them?

I KNOW this will not be easy. I just want to know if it is doable.
The funny thing is, due to my experience, I am likely the most honest person out there now. I have become nuts about honesty.

If anyone would like to consider taking me on, and advocating for me, I can promise you an amazing rep. We are talking someone who will work any area, 60 - 70 hours per week, invest time, money, etc. I am tremendous in sales.

I'd really appreciate some replies and input. God Bless you all. Please give me some suggestions if you can. I am looking for more then the actual Ohio Revised Code (which I read). I am looking for people who have experience with these situations. ]]> Senior Insurance Forum readynwilling http://www.insurance-forums.net/forum/felony-conviction-want-sell-final-expense-thread16261.html http://www.insurance-forums.net/forum/bankers-life-casualty-agents-chicago-il-thread16258.html Wed, 18 Nov 2009 02:29:42 GMT I am looking for any former Bankers Life and... I am looking for any former Bankers Life and Casualty agents in Chicago who could tell me about their experiences. ]]> Senior Insurance Forum cad25 http://www.insurance-forums.net/forum/bankers-life-casualty-agents-chicago-il-thread16258.html http://www.insurance-forums.net/forum/220-apps-six-months-thread16241.html Tue, 17 Nov 2009 15:37:08 GMT I was on youtube and saw a video where it claims... I was on youtube and saw a video where it claims a person wrote 220 apps in six months. The video is by finalexpense byphone. Is anyone familiar with this person who wrote that? ]]> Senior Insurance Forum usakr http://www.insurance-forums.net/forum/220-apps-six-months-thread16241.html http://www.insurance-forums.net/forum/pdp-virginia-thread16235.html Tue, 17 Nov 2009 03:48:39 GMT Curious to know which PDP you prefer in... Curious to know which PDP you prefer in Virginia, and why did you choose that particular one? ]]> Senior Insurance Forum VaDwayne http://www.insurance-forums.net/forum/pdp-virginia-thread16235.html http://www.insurance-forums.net/forum/finalexpense101-com-thread16231.html Tue, 17 Nov 2009 02:04:40 GMT Does anyone have any experience with this website? Does anyone have any experience with this website? ]]> Senior Insurance Forum usakr http://www.insurance-forums.net/forum/finalexpense101-com-thread16231.html http://www.insurance-forums.net/forum/anthem-medicare-advantage-plan-part-d-prefered-provider-organization-deductible-thread16225.html Mon, 16 Nov 2009 20:13:27 GMT I'm trying to help someone with MAPD (can't afford Supp) and couldn't find anything from the forum search. I'm looking at Anthem PPO (Freedom Blue) with $500 deductible. I'm trying to figure out which services trigger the annual deductible because most services show set copay amounts.
Anyone familiar with this plan (in so ca)? Anything good or bad to say about it? The network looks pretty large with many specialist providers in where the client lives. ]]> Senior Insurance Forum Franz Kafka http://www.insurance-forums.net/forum/anthem-medicare-advantage-plan-part-d-prefered-provider-organization-deductible-thread16225.html http://www.insurance-forums.net/forum/minnesota-medicare-sales-thread16221.html Mon, 16 Nov 2009 15:43:45 GMT Anyone sell Medicare Supplements or MA plans in... Anyone sell Medicare Supplements or MA plans in Minnesota? I write 5 to 10 policies a year with current clients. I was thinking of devoting more time to this area? Anything I should be aware of due to 3 carriers dominating the market? Sales better for T65 or replacement sales? Any advise would be appreciated. ]]> Senior Insurance Forum Woody http://www.insurance-forums.net/forum/minnesota-medicare-sales-thread16221.html http://www.insurance-forums.net/forum/recent-information-shenandoah-life-thread16220.html Mon, 16 Nov 2009 14:27:15 GMT In receivorship since 2/12/2009. Block of... In receivorship since 2/12/2009. Block of payroll acct. bus. sold in last 2 months. I do know that The State Guaranty Assn. from various states are in Roanoke VA. ]]> Senior Insurance Forum +zeek13 http://www.insurance-forums.net/forum/recent-information-shenandoah-life-thread16220.html http://www.insurance-forums.net/forum/final-expense-lead-questions-thread16214.html Mon, 16 Nov 2009 03:10:02 GMT Is there no one selling final expense by phone... Is there no one selling final expense by phone ethier buying internet leads or generating there own online? All im seeing is telemarketing, mailers, door knocking and face to face appointments? I just figured with all the health and life agent's killing out there buying internet leads and selling over the phone that I just assumed final expense would not be to far behind. Im licensed in 14 states and am thinking of branching out more into FE by phone and im a strong believer in generating my own leads online as I do now with term life and ind. health. Any input?
- - - - - - - - - - - - - - - - - -
No One ?!?!? ]]> Senior Insurance Forum SecureHealth1 http://www.insurance-forums.net/forum/final-expense-lead-questions-thread16214.html http://www.insurance-forums.net/forum/medicare-part-d-plan-d-thread16213.html Mon, 16 Nov 2009 01:32:15 GMT So these two are the same or different? So these two are the same or different? ]]> Senior Insurance Forum NoFault http://www.insurance-forums.net/forum/medicare-part-d-plan-d-thread16213.html http://www.insurance-forums.net/forum/medicare-supplement-questions-thread16206.html Sun, 15 Nov 2009 16:28:02 GMT I've been looking at adding Med Supps to my bag of tricks.

As I understand it, the insured has to pay for Part B plus the med supp premium?


I looked at plan J in my county and is starts out at $180 a month

As to compensation, it seems that commissions run from 15-22%.

That's a FYC of $324 at the low end. And as understand it, it's level commissions for 6 years? If I kept them on the books, even with changing carriers to get a better rate, the total comp would be around $2000?

If that's correct, it seems unbelievable. If I sold 100 med supps the first year, that's about $65,000 in fyc. And if I kept those same 100 clients on the books Year 2, and added another 100 med supp clients in Year 2, that would a total $130,000 in compensation for Year 2. Is my understanding of this concept correct? ]]> Senior Insurance Forum YouGotMyMoney http://www.insurance-forums.net/forum/medicare-supplement-questions-thread16206.html http://www.insurance-forums.net/forum/props-me-thread16202.html Sun, 15 Nov 2009 04:29:01 GMT Liano felt necessary to give himself props for... Liano felt necessary to give himself props for what his "team" sold so I'm going to do the same.

Yesterday I submitted an application for a Med Supp. $131 monthly premium @ 17% commission.

Damn, I am good!

Rick ]]> Senior Insurance Forum GreenSky http://www.insurance-forums.net/forum/props-me-thread16202.html http://www.insurance-forums.net/forum/medicare-paid-47-billion-medicare-fraud-thread16195.html Sat, 14 Nov 2009 21:24:53 GMT It's Obama's fault....

WASHINGTON (AP) -- The government paid more than $47 billion in questionable Medicare claims including medical treatment showing little relation to a patient's condition, wasting taxpayer dollars at a rate nearly three times the previous year.
Excerpts of a new federal report, obtained by The Associated Press, show a dramatic increase in improper payments in the $440 billion Medicare program that has been cited by government auditors as a high risk for fraud and waste for 20 years.
It's not clear whether Medicare fraud is actually worsening. Much of the increase in the last year is attributed to a change in the Health and Human Services Department's methodology that imposes stricter documentation requirements and includes more improper payments - part of a data-collection effort being ordered government-wide by President Barack Obama next week to promote "honest budgeting" and accurate statistics.
Still, the fiscal 2009 financial report - covering the first few months of the Obama administration - highlights the challenges ahead for a government that is seeking in part to pay for its proposed health care overhaul by cracking down on Medicare fraud. While noting that several new anti-fraud efforts were beginning, the government report makes clear that "aggressive actions" to date aimed at reducing improper payments had yielded little improvement.
In recent years, the suspect claims have included Medicare prescriptions from doctors who were dead, and requests for payment for medical supplies such as blood glucose strips for sexual impotence and diabetic shoes for leg amputees. Patients, many of them new citizens who barely speak English, are sometimes recruited by brokers who go door-to-door offering hundreds of dollars for use of their Medicare numbers.
Obama is expected to announce new initiatives next week to help crack down on Medicare fraud, including a government-wide Web site aimed at providing a fuller account of health care spending and improper payments made by various agencies. The Centers for Medicare and Medicaid Services also will launch a Web interactive next month that will allow users to track Medicare payment information by categories such as state, diagnosis and hospital.
According to the report, the Bush administration from 2005-2008 reported improper payments of roughly 4 percent in the fee for service program, or about $17 billion total in 2008. Government officials at the time, however, typically did not consider a Medicare payment improper if the medical documentation was incomplete or a doctor's signature was illegible. Since these were flaws that ordinarily bar payment, that methodology drew complaints from government auditors that the figures were understated.
For fiscal year 2009, the Obama administration began counting those claims as improper, but was unable to complete an official tally based on the new methodology. As a result, it officially reported improper payments for its fee for service program at 7.8 percent, representing a partial tally under the new formula. But it considers the unofficial tally of 12.4 percent to be more representative.
Beginning next year, the 12.4 percent figure - or a total of $47 billion in improper payments when counting both Medicare fee for service and managed care - will be used as the baseline estimate. The federal report sets a target of reducing improper payments in the fee for service program to 9.5 percent by next year, which would represent a savings of roughly $9.7 billion.
The findings come as the Obama administration is making Medicare anti-fraud efforts an important priority. In recent months, HHS has said it was multiplying by 10 the number of agents and prosecutors targeting fraud in Miami, Los Angeles and other strategic cities where tens of billions of dollars are believed to be lost each year. The new partnership seeks to have better sharing of real-time intelligence data on health care fraud patterns.
Officials say they also want to increase training and outreach among Medicare providers to reduce documentation errors, while proposed health overhaul legislation would increase background checks on Medicare claimants and impose stiffer penalties for false claims.
Other findings:
-In the Medicaid program for the poor, roughly $18.1 billion, or 9.6 percent of claims, are believed to be improper payments.
-Using a baseline of 12.4 percent in improper payments in the Medicare fee for service program, HHS is setting targets of reducing fraud and waste to 9.5 percent, 8.5 percent, and 8.0 percent, respectively, for fiscal years 2010 through 2012.
Records released earlier this week showed that CMS for three years ignored internal watchdog warnings about swindlers stealing millions of dollars by scamming several Medicare programs. The agency received roughly 30 warnings from inspectors but didn't respond to half of them, even after repeated letters. ]]> Senior Insurance Forum Russ http://www.insurance-forums.net/forum/medicare-paid-47-billion-medicare-fraud-thread16195.html http://www.insurance-forums.net/forum/bcbs-medicare-advantage-plans-thread16191.html Sat, 14 Nov 2009 20:12:02 GMT Does anyone know when BCBS in Ohio are planning... Does anyone know when BCBS in Ohio are planning on paying commisions on MA plan commisions? 2009 year I heard they didn't pay untill April. This year all that I'm getting from my FMO is that they are going to try to pay quicker for 2010. ]]> Senior Insurance Forum Insuranceman http://www.insurance-forums.net/forum/bcbs-medicare-advantage-plans-thread16191.html http://www.insurance-forums.net/forum/woo-hoo-bomb-thread16188.html Sat, 14 Nov 2009 19:03:03 GMT I have to give major shout outs to my team, after... I have to give major shout outs to my team, after officially re-launching a few weeks ago, last week we had 10 sales, this week 35!!!

My Fantastic Four agents are rockin' this!

One is on pace to win a trip already
One wrote 7 in one day! The new record, it was 5.
They are all doing an awesome job!

I love you guys, many more to come!!

:1biggrin: ]]> Senior Insurance Forum robliano http://www.insurance-forums.net/forum/woo-hoo-bomb-thread16188.html http://www.insurance-forums.net/forum/plan-j-thread16165.html Fri, 13 Nov 2009 16:13:51 GMT As we are heading into AEP, are any of you... As we are heading into AEP, are any of you concerned about huge increases in plan J?

Are you telling your clients you will be calling them this spring to discuss some of the new plans that will be available?

Or are you recommending plan F now? ]]> Senior Insurance Forum MaineMan http://www.insurance-forums.net/forum/plan-j-thread16165.html http://www.insurance-forums.net/forum/moo-slow-processing-med-supp-apps-thread16157.html Fri, 13 Nov 2009 12:14:20 GMT Is it just me or does it seem that M.O.O. is... Is it just me or does it seem that M.O.O. is slowing down again on the processing of Medicare supplement apps? ]]> Senior Insurance Forum VaDwayne http://www.insurance-forums.net/forum/moo-slow-processing-med-supp-apps-thread16157.html http://www.insurance-forums.net/forum/windsor-medicare-thread16149.html Thu, 12 Nov 2009 20:59:59 GMT Have any of you people in the South heard... Have any of you people in the South heard anything about this company? Any news or thoughts on Windsor Medicare? Particulary, there are rumors of a merger with a much larger company that was supposedly published in a local Tennessee newspaper. Does anybody know where one could find that article? ]]> Senior Insurance Forum Tom Highway http://www.insurance-forums.net/forum/windsor-medicare-thread16149.html http://www.insurance-forums.net/forum/where-can-i-find-thread16146.html Thu, 12 Nov 2009 18:21:18 GMT im trying to get ahold of a Med Advantage... Im trying to get ahold of a Med Advantage disenrollee list. is there such a thing? ive learned that allot of seniors are being unvoluntarily disenrolled from there MA programs.

I would like to contact these people
Any suggestions?
Thanks ]]> Senior Insurance Forum 7tcutty http://www.insurance-forums.net/forum/where-can-i-find-thread16146.html http://www.insurance-forums.net/forum/underwriting-thread16140.html Thu, 12 Nov 2009 15:57:03 GMT I am selling a lot of Med. Supps up here in Pa..... I am selling a lot of Med. Supps up here in Pa.. the more I get into this the more I love it! BUT, as you do with the elderly crowd, you run into a lot of health issues.... If underwriting is pretty much the same across the board, why is that one company will accept you if you can "fog a mirror" yet another company will not accept you if you have emphysema or had a hip replacement 3 years ago?

I've read on here that AARP will accept you no matter what...or with only a few acceptions. But New Era, Gerber, or any other compnay that I have been appointed with denies a senior with such problems as listed above!

Back in April, I spoke with a lady yesterday, she and her husband got a Med. Supp from Bankers Life (plan J)... now she had Spinal Stenosis Surgery 3 years ago, hip replacement 2 1/2 years ago (not due to a disease), and she has COPD (not being treated for... under control... she was told 10 years ago that she had it), but according to the underwriting SHE WILL BE A DENIAL!!! Obviously, I will tell her to just stay with Bankers, but she's paying 190.00 a month for it, where I can get her into a plan F with Gerber for $135.00 a month..

Just curious what you fellas do?? How do you handle her question about... Why did they accept me and nothing has changed in my health since April... but you won't! Her husband is a wonderful candidate.. he's as healthy as a 74 year old can be... i know I can help him, I just hate that I can't help her as well!!!

Any comments or suggestions will be appreciated!:1wink: ]]> Senior Insurance Forum Jessica Durphy http://www.insurance-forums.net/forum/underwriting-thread16140.html http://www.insurance-forums.net/forum/what-heck-thread16128.html Wed, 11 Nov 2009 23:46:06 GMT I sent a Medicare referral to a friend. I do this... I sent a Medicare referral to a friend. I do this quite often. Keep threatening to get in that market, but until then . . .

He sent me an email saying he can no longer call folks looking for MA or PDP coverage. They have to call him.

WTF? ]]> Senior Insurance Forum somarco http://www.insurance-forums.net/forum/what-heck-thread16128.html