Ehealth and UHC Playing Games

[YouGotMyMoney]

Ok, I called this as soon as the new GR plans came out
with the reduction in premium for discount card only rx,
generic only rx..etc etc.

Ehealth is starting to quote GR, with the discount rx option
so you have to upgrade to full drug coverage.

I called Norvax, but no dice, they won't help out a lowly little agent so I can be like ehealth too.

 

[Crabcake Johnny]

I dunno - I think this is "insurance quoting 101." If you run auto quotes, those are all liability only. You want comprehensive? Better limits? Towing? Ok...let's run a new quote.

Buyer beware.

 

[YouGotMyMoney]

I dunno - I think this is "insurance quoting 101." If you run auto quotes, those are all liability only. You want comprehensive? Better limits? Towing? Ok...let's run a new quote.

Buyer beware.

Agreed JP.

But most of the peeps online are dumber than my pet bird, and all they know is Ehealth is cheaper and I am more expensive, but Mam you gots no rx coverage, oh that's not an issue---I don't take drugs.

 

[Crabcake Johnny]

I think consumers put more thought into buying a pair of jeans than health insurance and that needs to change.

Anytime you put zero effect into research before purchasing any product you're setting yourself up to get burned.

You think carriers are going to quote loaded plans?

 

[taterpeeler]

Here is another one.... I have always tried to be as upfront as i can with consumers... I always give my best guess on what underwriting will come back with, hell 19 years in this biz i got a handle on what will happen in UW... if I felt a client would get a 25 or 50% rate up i always told them... exclusion... i told them...I always quoted the prefered rate and then followed up with "but here is what will truly happen"... well, now that is causing problems.

dateline Dallas, yesterday....... client hit website I call and she has a 9 year old with type 1 dib. tons of medication.. to the tune of about 800$ a month. currently on a non elected cobra(she must make deciaion by the 12th and pay the 3 months back premium of 668 a month). I tell her the rate and then follow up that it probably will be everrybit as much as the cobra (35 male and 1 kid) I know I was telling the truth.. I spooked her enough that Humana was the ONLY company that could remotely have an answer back by the 12 with a phone app that she had to do it NOW, no laterr than last night...

other agent, told her BCBSTX would cover them, for 260 month(preferred rate) and it would go to underwriting but the promised due to law the application would be covered(well, for the most part she was correct) she never discused a big rate up, never discussed letting the cobra expire was a problem... she just acted like hey federal law says kid will be covered.

this agent then said you must take a short term policy to bridge the gap till Jan 1....

client bought from the other agent, thinking the premium will be 260....

QUESTION.... what would you do?

now that we are in an "APP GAME" due to lower comp do we just slam the biz against the wall and say to hell with it? i mean the other agent did not lie, she just did not tell all she knew

 

[GreenSky]

Agreed JP.

But most of the peeps online are dumber than my pet bird,

You have a pet BIRD? I didn't know you were 75 years old.

Rick

 

[YouGotMyMoney]

You have a pet BIRD? I didn't know you were 75 years old.

Rick

Yep.

Pretty lil cockatiel we call "Spike"..



I have a condo, and don't like small dogs nor have a taste for cats.

 

[taterpeeler]

Yep.

Pretty lil cockatiel we call "Spike"..

I have a condo, and don't like small dogs nor have a taste for cats.

No taste for cats? well, when you are tired of the bird get a cat... he will have a taste of the bird....

 

[YouGotMyMoney]

now that we are in an "APP GAME" due to lower comp do we just slam the biz against the wall and say to hell with it? i mean the other agent did not lie, she just did not tell all she knew

Do what you got to do, dealing with internet leads you are on a timer before another agent through whatever method, takes the biz out from under you.

 

[dgoldenz]

I think consumers put more thought into buying a pair of jeans than health insurance and that needs to change.

Anytime you put zero effect into research before purchasing any product you're setting yourself up to get burned.

You think carriers are going to quote loaded plans?

I agree, but what amazes me is people will buy something that costs $10k/year and not research it in the least...we're not talking pocket change here.