$0 MAPD a Better Plan Than a Med Supp....

[agentjhc]

Agent told me today she never sales MS because a $0 MAPD is a much better deal for the client.........I didn't bother with any follow up questions, but it's the 2nd time in a month I heard that comment made.........thoughts?

 

[goillini52]

Agent told me today she never sales MS because a $0 MAPD is a much better deal for the client.........I didn't bother with any follow up questions, but it's the 2nd time in a month I heard that comment made.........thoughts?

It's true...........if they never get sick or never have to use it.

 

[TwoCents]

Agent told me today she never sales MS because a $0 MAPD is a much better deal for the client.........I didn't bother with any follow up questions, but it's the 2nd time in a month I heard that comment made.........thoughts?

And if they can find one that gives back some of the Part B premium, it's like they're being paid to be a member! Winner, winner, chicken dinner.

 

[TN_agent]

I don't understand the mindset that there is a one-size-fits-all solution for all clients.

 

[axeman462]

in many cases it is a better option. but there is no blanket answer, anyone who says or implies one product is always a better option is a moron. I suggest giving them their "i'm stupid" sign and ending the conversation there.

 

[goillini52]

in many cases it is a better option. but there is no blanket answer, anyone who says or implies one product is always a better option is a moron. I suggest giving them their "i'm stupid" sign and ending the conversation there.

www.youtube.com/watch?v=ZBjelRDKHUk

Other than affordability and insurability, please tell us all the ways a MAPD is better than a Med Supp, oh wise one.

 

[axeman462]

Other than affordability and insurability, please tell us all the ways a MAPD is better than a Med Supp, oh wise one.

I feel like affordability and insurability are pretty big parts of insurance...but...

Well, I dont know what the illinois market is like. But here in Florida, many parts of the state, it is very strong. I will take one client I have living in Miami county for example. Female, age 66.

She could either pay $286 for a plan F, or $206 for a plan N with AARP (usually the best deal in this state, and no, I'm not gona take the time to look up every medsupp price right now. this is just a rough example.)

Or a $0 MAPD plan that gives back $75/mo with a strong network (as most have around here) and has $0 copays for Doctors, Specialists, Outpatient hospital, Inpatient hospital, and a $50 copay for ER. AND has a MOOP of $3,400 (and this is NOT a medi/medi plan)

Her total estimated cost for insurance (including copays) for the year: $300
if she was on a plan N, it would be: $2,472 (and thats not including copays)

In many cases, MAPD is a better choice. But not always.

 

[DS4]

The $0 premium MAPD is always the better option. Forget the $5000 max out of pocket for something major, you get a free gym membership!

 

[kgmom219]

I feel like affordability and insurability are pretty big parts of insurance...but...

Well, I dont know what the illinois market is like. But here in Florida, many parts of the state, it is very strong. I will take one client I have living in Miami county for example. Female, age 66.

She could either pay $286 for a plan F, or $206 for a plan N with AARP (usually the best deal in this state, and no, I'm not gona take the time to look up every medsupp price right now. this is just a rough example.)

Or a $0 MAPD plan that gives back $75/mo with a strong network (as most have around here) and has $0 copays for Doctors, Specialists, Outpatient hospital, Inpatient hospital, and a $50 copay for ER. AND has a MOOP of $3,400 (and this is NOT a medi/medi plan)

Her total estimated cost for insurance (including copays) for the year: $300
if she was on a plan N, it would be: $2,472 (and thats not including copays)

In many cases, MAPD is a better choice. But not always.

Here's why the numbers don't tell the entire story.

In a SNF, here are the numbers you REALLY care about.

Advantage plan: 84 Minutes of Therapy (all 3) per day

Parts A&B: 144 Minutes of Therapy (all 3) per day.

What's the turnaround time on a PET Scan Prior Auth? MRI? Needle Biopsy after a bad mammogram?

Its not always about the numbers. Sometimes, its about the quality of life after diagnosis or event.

But...if you use that free gym membership, you never get cancer, right???

 

[goillini52]

I feel like affordability and insurability are pretty big parts of insurance...but...

Well, I dont know what the illinois market is like. But here in Florida, many parts of the state, it is very strong. I will take one client I have living in Miami county for example. Female, age 66.

She could either pay $286 for a plan F, or $206 for a plan N with AARP (usually the best deal in this state, and no, I'm not gona take the time to look up every medsupp price right now. this is just a rough example.)

Or a $0 MAPD plan that gives back $75/mo with a strong network (as most have around here) and has $0 copays for Doctors, Specialists, Outpatient hospital, Inpatient hospital, and a $50 copay for ER. AND has a MOOP of $3,400 (and this is NOT a medi/medi plan)

Her total estimated cost for insurance (including copays) for the year: $300
if she was on a plan N, it would be: $2,472 (and thats not including copays)

In many cases, MAPD is a better choice. But not always.

I know Med Supps are more expensive in Florida, I've had a few clients take their Illinois Med Supp w/Illinois rate with them when they moved there.

The market must be different there, we don't have MAPD's that have no copays. That's a whole different animal. As far as Florida goes, you have a point...other places like Illinois, I'll still go with a Med Supp.