As a Medicaid agent, I understand the shame of insurance agents. Fortunately, I am not suitable for stereotyped, fluent car salesman prototypes, but I know many agents do this. Since public enrollment is almost over, many people decided to switch from Medicare Advantage to Medicare Supplement, I think I might add 2 cents to choose the perfect agent, in case any consumer feels different from what is different from goods and goods. interest. Bad, ugly bad things.
One of the many things that split is the people who work for them and how to get their clues. Although cold calls have become illegal, many health insurance replenishing agents still find that people are not on the "Don't Call" list and spend their time on these unwittingly weak consumers. If the agent calls you and you don't know where they got your number, please wait. The agent is directly in violation of federal law and does not know what the bottom feeder might be.
An independent agent means that an agent who does not work for anyone, in addition to signing with the carrier, is usually the culprit of cold calling. However, this does not mean there are no reliable independent agents. In fact, I am one of them! Surprisingly, independent agents can be the best agents in the industry, as long as they don't resort to cold or steal. why? Well, first of all, most agents work in large call centers or operators themselves. If you work with a major call center [more than 20 agents], you are just tens of thousands of customers. As for agents who work only for one carrier, they can't give you more than one offer, and everyone knows that shopping is a renter of consumerism. 101. Never talk to an agent who works only for one carrier because I You can be sure that you are listening to the voice of prejudice sales - every consumer, every market should be bored. Independent agents have neither these problems. They typically contract with several competitive carriers in their region and maintain a manageable customer base – making it one of the best ways to get the most competitive price for Medicare's complementary policies. Disclaimer: There are some smaller call centers that refuse to grow too much, and these are also good places to shop. In general, anyone who doesn't help you with shopping needs to stay awake, that is, people who don't understand what you want to hear are more than just an option.
Only one type of agent is provided, especially Plan F, which cannot be trusted. "But I think the F plan is the best plan?!" And, in terms of coverage, your plan F is the most comprehensive. However, in terms of commission profits, the F plan is the most profitable plan that agents can sell. If you are talking to an agent who doesn't want to discuss any other plans with you, I can guarantee that this agent is likely to be 1. Very inexperienced or very greedy, no one likes a greedy insurance agent. For example, I can save about $30 to $50/month by purchasing Plan G instead of Plan F. What is the difference? Plan G does not include Medicare Part B with a deductible of $147. You can do mathematical calculations. Some agents prefer to make bigger commissions than they do for consumers.
Many insurance agents do not understand customer service. When Medicare registrants call to discuss benefits, but there are other questions or concerns, some agents will do minimal things for the consumer. A good agent will take the time to explain something to you and make sure you fully understand the benefits of the various aspects of the program, the application process, payment, and more. A good agent will also let you be their client and check frequently to make sure you are satisfied with your policy.
The last quality I will discuss is modesty, as well as the ability - the two most important assets an agent can have. There is no health insurance supplement to get all the information about health insurance, carriers, health, and more. There are always some problems. That's why let the agent tell you "Let me make sure this is accurate" or admit "I don't know". I would rather let the agent ask the right person instead of trying to be the smartest cookie in the agent jar.
Sometimes it's easy to go with the first agent to call, but the next time you buy a Medicare grant policy, you'll use the power of the consumer; I promise you won't regret the picky decision.
Orignal From: How to seize medical insurance supplements: good, bad, ugly
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