fee is permanently waived
Permanent isn't always defined the same way.
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fee is permanently waived
Permanent isn't always defined the same way.
Permanent isn't always defined the same way.
And "permanent" is at CW's discretion and not always honored.
I think you misread my post. Once you get late into AEP (mid November to late November), don't promise a 1/1. Seniors still think this is the only time they can change, so they get a little anxious. I am saying educate your prospects. Don't promise something that might blow up in your face.
If you are moving someone from MA to Med Supp early in AEP, go for a 1/1. If you are late into AEP (mid Nov to Dec 7th), start talking about MADP and 2/1, 3/1.
That was my point.
Another way to avoid this is to use instant issue carriers.
There are several on the market that will perform the underwriting while you are with the client over the phone so you can have a policy number prior to ending the call. That way you know they are covered. Manhattan and Equitable are two that do.
Since when did Manhattan start that? I wish more Med Supp companies gave approval at the end. Very few even do a POS PHI anymore.
I'm in this situation. What can I do now? Cms says she needs an election period, and won't create one. Her original mapd insurer told me to call cms and to ask them to retract her pdp and reinstate her mapd, but so far they won't do it. I can't call this client and tell her that she will be without an advantage plan or a supplement until next year! Can anybody think of anything I can do? Thanks in advance!