Formulary Changes

[Travis Price]

What zip code is assendo 20 buck more a month than uhc/aarp around TC, for a plan G

Great question! Honestly, I didn't look up the price of Accendo at the time as I was in the car at Starbucks. She told me how much she was going to pay and I looked against AARP. She may have been adding in the application fee. Which AARP has a lower initial fee.

Looks like it's like 3 dollars cheaper with AARP.. BUT, I'd still write against it as the other reasons I notes above. However, I could go 12 dollars cheaper with CSO, which same upside as AARP. Without the hh discount (and even with) it's not what I'd represent at this time.

Writing MS in MI with an Aetna company, imo, is a gamble. Continental Life is cheaper, but it's unlikely Aetna is going to compete against itself for long.

Accendo doesn't have enough claims experience for me.

 

[alphawave2k]

Overcoming objections isn't about convincing anyone of anything. It's asking a question and let them figure it out for themselves.
Sometimes it works, sometimes it doesn't..

Yep, agree with this. Some people rather listen to their friend, cousin, uncle, neighbor b/c they have the best and smartest agent ever. I don't know if this quote should be credited to the smart FE folks, but that's where I heard it first/most..... "you can't fix stupid". I've had similar experiences....some people love you and are going to sign up until they get a referral from their friend, neighbor, etc and all of a sudden you don't know what you're talking about. I am patient listener, and sometimes that has backfired on me b/c I let them go on maybe too long, trying to establish dialogue. But after their monologue they don't want to listen to reason. In at least one instance, once they revealed which company they chose to sign up with through their other referral, I thought "good luck with that"! And I have been right so far, but I never look back.

 

[kgmom219]

I love this. I say this all the time when they decide to use USAA instead of me and then want help with the Part D. "Sorry, I only do Part D for my Medicare Supplement clients. I'm sure USAA would be happy to help". (USAA doesn't do Part D. NEXT.

 

[somarco]

USAA is sky high here.

G plan, F 65, 30533 = $199 with USAA vs $119 with Anthem.

About 5 years ago (might be a little further back) they killed everyone with low rates. Unisex and community rated. Same rate for age 65 or 95.

All the old farts jumped on that.

A couple I know personally were in their early 70's and getting killed by one of the Edna iterations. He had 2 or 3 strokes, one carotid 100% occluded the other 70%. Wife had heart problems and polio (active after being dormant for over 50 years). USAA took both of them when no one else would.

USAA changed to MF rates but kept community rating but that did not help. Still out of sight unless you are 95+.