Insurance Agent Forum

[indmedins]

I agree with you. I understand fully now that a $9,500 Max OOP is completely wrong to put people on unless they don't mind paying that kind of money. However, I certainly do like the select solutions add-ons, but am aware of a potential huge hole it leaves and most likely AIG won't be there to pay for the Max OOP in most cases.

And, the new products do have a $25 million lifetime per person.

All in all, I want to offer whatever is in the best interest of my client at all times. With only one product in my briefcase, I am limiting myself and losing too much business.

[moonlightandmargaritas]

Originally Posted by indmedins

I agree with you. I understand fully now that a $9,500 Max OOP is completely wrong to put people on unless they don't mind paying that kind of money. However, I certainly do like the select solutions add-ons, but am aware of a potential huge hole it leaves and most likely AIG won't be there to pay for the Max OOP in most cases.

And, the new products do have a $25 million lifetime per person.

All in all, I want to offer whatever is in the best interest of my client at all times. With only one product in my briefcase, I am limiting myself and losing too much business.

Agreed. I LOVE to get in behind these guys.

It's like shootin' fish in a barrel...

[indmedins]

Won't be me. I am out of there. So, who do you mostly sell? GR...What about Globe? I am guessing Aetna is too expensive too, huh? Have you been selling Avalon? I see Avalon's policy is pretty much a carbon copy of BCBSF, but are on the radio a lot.

Sorry for all the questions. I just need to be pointed in the right direction. Who are the most competitive and which 3-5 carriers to you mostly sell here?

[moonlightandmargaritas]

Originally Posted by indmedins

Won't be me. I am out of there. So, who do you mostly sell? GR...What about Globe? I am guessing Aetna is too expensive too, huh? Have you been selling Avalon? I see Avalon's policy is pretty much a carbon copy of BCBSF, but are on the radio a lot.

Sorry for all the questions. I just need to be pointed in the right direction. Who are the most competitive and which 3-5 carriers to you mostly sell here?

Don't use Aetna (bad policy). Do use Avalon where needed. GR and HumanaOne are the big two right now - but that's always subject to change from market forces.

[indmedins]

Do you carry any good dental plans and medicare suppliment plans? If so, which ones do you recommend?

There is a medicare suppliment my grandfather is on called Optimum and he has no premium. Somehow the premium is paid by Medicare and so I was wondering if we could even sell that company because there is no preumium. It is only available in three counties in FL. Have you heard of them?

[indmedins]

And, thanks for the direction on what MM policies are going right now in FL.

[healthagent]

Hey, not bad - about 500 posts later we can get this guy 1/10th of the way off the ground (sorry, inside joke.)

[salpro22]

I agree with you. I understand fully now that a $9,500 Max OOP is completely wrong to put people on unless they don't mind paying that kind of money. However, I certainly do like the select solutions add-ons, but am aware of a potential huge hole it leaves and most likely AIG won't be there to pay for the Max OOP in most cases.

What are the holes you are referencing?

[InsuranceBenefitsGroup]

Florida needs another non-res broker like we need another Hurricane Andrew...stick to what you know in CA.

[healthagent]

and if you're gonna write in another state it definitely wouldn't be FL anyway

[indmedins]

Originally Posted by salpro22

What are the holes you are referencing?

If they don't have an accident or critical illness, then the client is going to be subject to a $9,500 Max OOP depending on the Coins stop-loss setting. And the critical illness lists only 8 major triggers that a client will recieve 100% benefit.

[moonlightandmargaritas]

Originally Posted by indmedins

If they don't have an accident or critical illness, then the client is going to be subject to a $9,500 Max OOP depending on the Coins stop-loss setting. And the critical illness lists only 8 major triggers that a client will recieve 100% benefit.

...and

My HumanaOne policy has half the OOP ($5,000 deductible, 100% co-insurance), and the premium is HALF!

But wait, there's more...

I can add a stand-alone accident/CI (are ya gettin' this JR?)

[salpro22]

Originally Posted by moonlightandmargaritas

...and

My HumanaOne policy has half the OOP ($5,000 deductible, 100% co-insurance), and the premium is HALF!

But wait, there's more...

I can add a stand-alone accident/CI (are ya gettin' this JR?)

We've had this discussion Paul All in due time.

[indmedins]

Originally Posted by moonlightandmargaritas

...and

My HumanaOne policy has half the OOP ($5,000 deductible, 100% co-insurance), and the premium is HALF!

But wait, there's more...

I can add a stand-alone accident/CI (are ya gettin' this JR?)

Who do you use for the accident/CI standalone?

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Great. I am glad I woke up this week. I do appreicate all the talk and am eager to move on and REALLY do what is my clients best interest.