Maximizing the Senior Market Training Camp

Maximizing the Senior Market Training Camp
Click Full Screen to Enlarge. Reservation form for the training camp is linked to the invite. Follow the link and print out the form to register.

Medicare Advantage VS Medicare Supplements (Medigap)

• Medicare Advantage plans offer coverage with little or no monthly premiums. In some instances the client can actually receive money back every month!

• When a client enrolls in a Medicare Advantage plan they are still part of the Medicare Program and retain all of their Medicare rights and protections.

• When joining a Medicare Advantage plan a client will continue to receive all their regular Medicare-covered services. With Medicare Advantage the client will also have access to additional services that neither Medicare Supplements nor Original Medicare can provide.

• Medicare Advantage plans can offer prescription drug coverage whereas Medicare Supplements do not.

• Medicare Supplement premiums continue to rise while the commissions continue to shrink. At the same time most Medicare Advantage premiums are at or near $0.

• Medical providers may or may not accept some Medicare Advantage plans. Agent and clients need to check with the client’s doctor prior to purchasing a Private Fee for Service (PFFS) plan. Some Medicare Advantage plans may have a published network of providers. Whereas most Medicare Supplements are universally accepted.

• Medicare Advantage plans require annual certification and strongly enforced marketing practices. Most Medicare Supplements are free of certification requirements and have less strict marketing guidelines.

• With a Medicare Supplement the client must pay a premium whether they use it or not! With a Medicare Advantage plan the client only makes a small co-pay when they use the services.

• With a Medicare Advantage plan the client only has to answer ONE health question; Do you have End-Stage Renal Disease (Kidney Failure)? Medicare Supplements may have multiple health questions.

Now as a top agent can you imagine how you can help your clients with their other product needs after you have freed up $1500-$2000 per person in a household? Up to $4,000 per couple?

AGENT USE ONLY. Not for use with the public.

NEW 2010 Medicare Deductible and Coinsurance Increases

(Click on table to enlarge)