We will do that with each here shortly! Thank for the support!

Once qualified they can stay in auto enroll year over year

are an agent or a Medicare beneficiary?

@@agentboostmarketing Beneficiary

what are you planning on writing instead?

Great feedback! We agree Devoted is awesome.

it's always been wild

How does that compare with the other plans in the zip?

Appreciate it!

Not sure what you're trying to say.

It’s covered very well- if the person is on the right plan. I wrote my dad on a $99 advantage plan in Minnesota. He hit his moop in March last year doing chemo. So he paid $2900 out of pocket and was covered 100% for the remainder of the year which included all radiation, ambulance rides, er and specialty visits, imaging-everything! His part d was much better than a standalone so he paid very little there as well. And he got to treat at arguably the best hospital in the world- Mayo Clinic. There is no “best” choice for everyone. It’s unique to each person. But an MAPD always has a moop and that is the worst case scenario so you just plan accordingly.

Do you think they are high? Cancer has been a fairly common scare tactic for supp only agents. We have many if mapd clients that cover cancer treatments great. We should do a billing breakdown on actual costs. For example, most agents drastically overestimate how much chemo copayments are.

I educate clients on the difference and break things down financially for clients to help them decide. Supplements in Minnesota are very expensive. We don’t have A-J plans but have similar equivalents. Assuming a client turned 65 prior to 1/1/2020, a supplement cover (nearly) everything that Medicare doesn’t is about $275/month. (We are community rated here.) Add a drug plan at the national average of $34.70, (because if someone is planning for a big health crisis like cancer, a $.50 Pdp probably doesn’t have a robust enough formulary), they are spending over $3700/year in premium… whether they use services or not. Compare that to an advantage plan with a $2900 MOOP that is only $66/month (a popular one in my area), the premium is $792 annually. If you max it out, total spending MOOP plus premium IF YOU MAX IT OUT is $3692. And you had dental, vision, hearing, OTC, etc included. If you don’t max it out, you just saved $1000s. If you do, it’s a wash to what you would have spent on a Supp. At this point, it just comes down to clients preference on using a network, having extra benefits and what pdps are available- since they usually get a stronger RX benefit in an MAPD. You really have to run their RX through software on both sides and let them choose what is affordable to them and how they prefer to receive coverage. (And if they spend their winters in FL, TX, AZ etc… these are snowbirds and it’s an added layer of consideration.) Many people can’t afford $300/month in premiums. Also, medical bills can be negotiated but premiums cannot. So if someone does max out an MAPD, or even a High deductible Supp, they may not pay that full amount. Know your local provider’s financial assistance programs and encourage them to discuss financial hardship with the billing office. My point being, there is no right answer. They are covered either way, it’s just how they are covered. Both sides have pros and cons. Educate them and let them make a choice knowing BOTH OPTIONS. It’s not your job to make the choice for them and you are doing them a disservice to not give them both options. And to Mike or Dan’s point on another podcast, then if they call later and have questions about why they are on the plan they are on, you can remind them “ you have copays because a supplement was too expensive” or “ you have an expensive premium because you didn’t want copays”.

Which software? Happy to share.

I believe that!

😂😂that’s awesome

Thank you!!!

Sir never in the history of ma or pdp has it been that if you offer a plan it has to commissionable. There have always been plans that weren’t commissionable and UHC just released a whole bunch of ma that aren’t commissionable. It’s really rough but I don’t think there is legal recourse.

@@agentboostmarketing Then that needs to change. Instead of us saying "awe shucks that's just the way it is, I guess," agents should all be banding together and demanding CMS instate required pay for agents.

Fair

Thanks Ann!

Good description! We appreciate you listening. We know it’s easy for agents to “train” themselves to death.

:) Sorry! I like to use a yoga roller!

@@agentboostmarketing great bruh... im taking that advice...

So excited to have you!

Are those TIN FOIL caps available through ABM??

Not yet on the hats. We have some Hawaii opportunities!

Do you think Wellcare decided…”let’s STEAL our brokers renewals?” Do you honestly think they wanted to do that and it was a function of greed?

Also, are you going to write any PDPs other than WellCare because that would be not paying you for your work.

@@agentboostmarketing Every other PDP plan is paying renewals.

@@agentboostmarketing Sounds like Humana and UHC will be paying commissions except for their basic plan. Cinga will offer limitted commission. Each agent will have to decide their path forward in regards to PDPs, but having our renewals taken is BS. If they keep the broker submitted business on the books, they need to figure out renewals.

@@agentboostmarketing and mark my words. Wellcare is done selling MA via the broker channel. None of us are going to touch Centene products.

Thanks!

This is interesting. It feels like Medicare is under attack in general and so are good brokers and FMOs. We have our suspicions 🤷🏼‍♂️

They’ll send us an honorary degree!

It’ll be nice!

Thanks Rich! Mike should know.

Thanks, you too!

Email us. They can’t announce publicly. Email [email protected]

We have multiple options. Full independent and also some loa options depending on what’s best for the agent.

Thanks Kyle! Glad you enjoy them.

Thanks Jordan!

Correct. At the end of all of this who benefits?

The FMOs are literally screwing agents by now pocketing the $50/100 that would have gone to the agents if not for greed.

You are welcome! Where are you based out of?

They are new. Name recognition will get better and better.

Correct. Devoted does have great customer service.

It’s currently off line. CMS needed some changes. Evan is working on an updated iteration.

We agree

Decreased costs for some. Increased costs for many.

Glad to have you! Thank you so much.

It’s really a lack of funding to the Medicare program by the government. The why is really hard to figure out why. Hard to explain to seniors how we can find money for so many programs and foreign wars and aid, but not enough to fund the Medicare program properly so plans don’t have to exit or cut benefits. Inflation and cost of doing business is the other side of the coin. I think the gov on both sides of aisle wants to be seen as reigning in out of control costs on healthcare spending. Just not sure this was the right move.

@@agentboostmarketing thanks much guys!