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- #31
Kstein,
Great idea, I'm starting client out on an Mapd and I know hospitalization frequent.
Thanks
Great idea, I'm starting client out on an Mapd and I know hospitalization frequent.
Thanks
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Kstein,
Great idea, I'm starting client out on an Mapd and I know hospitalization frequent.
Thanks
Yes, you're both quite clear.
I would never put an eligible esrd individual for comprhensive medigap on Hi-F
Better standard plan.
Thank you for your input.
The handful of clients that have pocketed 5-10k every year or so while having 100% of their bills paid aren't questioning the logic of it. The deck is stacked against them insurancewise so why not offer as much as possible (within reason I'm talking about an $80-$150/mo gtl). They can always drop it in the future.
Wow...
Overinsurance is a problem for the whole group, not just your client. The purpose of insurance is transfer of risk, not profiting off your medical condition. That's Insurance 100.
Your client is likely on fixed income. Paying that 80-150 until they "hit the jackpot" is reducing the funds they have available unnecessarily. BAD
They're more apt to go to the hospital when they don't need to get that payday. Waste and Fraud. BAD.
If the insurance company is paying out 5-10 grand for your clients annually, they're jacking up rates to stay profitable for the group. BAD
Let's be real.. you're selling them a product they don't need to get extra commission.
Personally, I think it's unethical and it's part of the reason why insurance agents get a bad rep.
As they say in court, assumes facts not in evidence.
I can't justify adding anything to medical especially hospital indemnity. And it does appear to be Overkill.
But as June Cleaver said, Ward you were a bit hard on the Beaver