Hello All... I am in the process of offering MA & MA-PD to the "turning" 65 market. Does anyone have any ideas on a good script to use?.. thanks in advance
If you will search the forum, you will find a lot of posts regarding this item. Bottom line is: if you are marketing MA plans, you MUST use a CMS-approved script. This MUST be obtained from the MAO. Even if you were to develop your own script to submit to CMS for approval, if you speak directly about a specific plan, it must go through that carrier's approval process. I have been laboring with this for several months, myself.
If it will help, UHC's broker portal has the best offering I have seen. They really do have everything one needs for THEIR products. Other MAOs range from mediocre to non-existant with available scripts.
If you will search the forum, you will find a lot of posts regarding this item. Bottom line is: if you are marketing MA plans, you MUST use a CMS-approved script. This MUST be obtained from the MAO. Even if you were to develop your own script to submit to CMS for approval, if you speak directly about a specific plan, it must go through that carrier's approval process. I have been laboring with this for several months, myself.
If it will help, UHC's broker portal has the best offering I have seen. They really do have everything one needs for THEIR products. Other MAOs range from mediocre to non-existant with available scripts.
Thanks for reply, however I am not appointed with UHC, so I don't think I would be able to login to their broker portal.
Hello All... I am in the process of offering MA & MA-PD to the "turning" 65 market. Does anyone have any ideas on a good script to use?.. thanks in advance
Hello All... I am in the process of offering MA & MA-PD to the "turning" 65 market. Does anyone have any ideas on a good script to use?.. thanks in advance
I think you will be disappointed with the turning 65 market.
I have always had much better success contacting people 67 to 78.
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Frank, are a lot of 65s & 66s still working and on group plans? Is that the reason you suppose?
No. It is something that I have never been able to "pin down" to an exact reason. For the most part they seem to think that they can make that decision on their own.
I have tried numerous times to market to turning 65 using several different approaches and each time it has proved to be way too time consuming for the results I have received.
So now I leave them to make their own decisions, almost always the wrong ones, and then when they finally are willing to listen to reason I contact them. That usually seems to be around 67.
Each time I have tried, turning 65 has been a waste of time. The only turning 65 I write are referrals. Lately I have been getting the children of people I wrote several years ago who are now going on Medicare.
It's kind of cool to have both the parents and their "kids" as clients.
No. It is something that I have never been able to "pin down" to an exact reason. For the most part they seem to think that they can make that decision on their own.
I have tried numerous times to market to turning 65 using several different approaches and each time it has proved to be way too time consuming for the results I have received.
So now I leave them to make their own decisions, almost always the wrong ones, and then when they finally are willing to listen to reason I contact them. That usually seems to be around 67.
Each time I have tried, turning 65 has been a waste of time. The only turning 65 I write are referrals. Lately I have been getting the children of people I wrote several years ago who are now going on Medicare.
It's kind of cool to have both the parents and their "kids" as clients.
I agree with Frank Johnson! (Blazing Saddles referebce).
I'm only households with wome ages 70-77. They have received a bunch of increases in their med supps over the years and are receptive to other offers. T-65 for me is a waste of time.
However, I'm not as old as Frank so I'm not yet writing Medicare plans on my clients' children. (not the proper punctuation on "children".)
Rick
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I agree with Frank Johnson! (Blazing Saddles referebce).
I'm only households with wome ages 70-77. They have received a bunch of increases in their med supps over the years and are receptive to other offers. T-65 for me is a waste of time.
However, I'm not as old as Frank so I'm not yet writing Medicare plans on my clients' children. (not the proper punctuation on "children".)
Rick
I really think what you meant to say is that you are not as successful as I am and able to keep your clients long enough for their children to reach Medicare age.
T-65 is probably a waste of time to try and market too. BUT if you do get one person to buy that is 65, I have found that they know tons of other ppl turning 65. T-65 people buy by referral.
I really think what you meant to say is that you are not as successful as I am and able to keep your clients long enough for their children to reach Medicare age.
Before you point out errors, see above.
I did not find any errors in your post, only in mine.
Another reason that I think marketing to the 67+ club as Frank mentioned is that everyone, carriers, FMO's, independent agents, are all gunning for the T65 market. So, the client is bombarded by info when they age into Medicare.
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"Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it." Ronald Reagan
Another reason that I think marketing to the 67+ club as Frank mentioned is that everyone, carriers, FMO's, independent agents, are all gunning for the T65 market. So, the client is bombarded by info when they age into Medicare.
That's true. It's also good to market a little off the beaten path in more rural areas as well, which often are underserved by agents.
In my area T65s are bombarded with solicitations so I also don't market to them. I find they end up buying based on name recognition ie AARP, BXBS, Mutual of Omaha, etc.
When I find them a few years later they have learned all MS plans are the same and saving a little (or a lot) with a company they may not recognize the name of is worth it. Plus, they get me and my personal, local service and not just a telephone number.
In my area T65s are bombarded with solicitations so I also don't market to them. I find they end up buying based on name recognition ie AARP, BXBS, Mutual of Omaha, etc.
When I find them a few years later they have learned all MS plans are the same and saving a little (or a lot) with a company they may not recognize the name of is worth it. Plus, they get me and my personal, local service and not just a telephone number.
That's the truth! I ran into a 55 year old lady last night that bought a 10-year level term policy from State Farm of all places. She was paying about three times too much in premium PLUS she thought it was a regular whole-life policy. She thought the agent told her she could renew it every 10-years at the same premium. I can actually sell her a 20-pay and include return of premium for the amount she is paying. But she liked State Farm.
The trick... Call 4 or 5 months before their birthday. This far ahead, they have not even thought about Medicare. When you get 2 or 3 months before their birthday they are overwhelmed with info.
Make sure to contract with a couple of reputable companies. I dont suggest carrying products with little name recognition, even if you think they are better.
And the T-65's are open to 401k rollovers, looking for life insurance, and have dozens of friends that need your help!
The trick... Call 4 or 5 months before their birthday. This far ahead, they have not even thought about Medicare. When you get 2 or 3 months before their birthday they are overwhelmed with info.
Make sure to contract with a couple of reputable companies. I dont suggest carrying products with little name recognition, even if you think they are better.
And the T-65's are open to 401k rollovers, looking for life insurance, and have dozens of friends that need your help!
Go get em, and make sure to cross sell!
So do you sell products to T-65's or are you just a marketer?
T-65 Telemarketing Scirpt
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