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I guess you should only deal with really broke people then. That way you don't have to worry about them losing Medicaid.
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I spoke with them this afternoon and it looks like I'll be putting away the gold Jewelry and Tommy Bahama and substituting with some nice Fubu gear
Apparently an agent has to get certified as a Medicare agent for legal reasons. Looks like a good deal though for everyone involved. My only concern with the program is that they are only targeting Baltimore and Philly, although I was told they are working on VA as we speak.
$25 per exclusive lead
$300 for single
$600 for family
I did not discuss chargebacks, although after reading this post, some thoughts come to mind.
Healthagent, is the product an HMO, PPO, and or something other like a PFFS?
Are there more product lines for the duals with this carrier, I.E.: an hmo and pffs, and or something other? I know Wellcare, for instance, has a PFFS. On the other hand, Unitedhealth has an HMO and PPO.
Depending on the type of program, it can really help or hurt people and it's all on a judgement call, made by you 'the expert' - 'certified agent,' which elicits from your experience with insurance and working with really really sick people who are smothered with chronic diseases.
There are a lot of ingredients in the mix when working with duals and it either will be very easy or extremely difficult and a major pain for you - the agent. Sometimes, it's better to walk from things like this but again, there are many variables in the mix to look at with the product line and more so too, how your state operates with duals, and what, if any, home health care agencies are working this market too.
Last, think of home health care. Are there a ton of docs and nurses already out there indundating these people with their so called 'home health care' services? That's going to be quite a challenge too be it whether your product line has decent contracts with facilities like this and or not. Many of the duals faulter and fail to realize what quality care is; they like relationships with people, as many of the duals lack this. So a foreign doctor coming when 'I'm in your area and I'm coming by to see you to take your blood pressure' oh but wait... "I'm not treating your diabetes and or other ailments accordingly... ha ha ha" kind of a deal, but they baby these folks and make them think they're getting 'quality care, while billing up the wazoo every month for their so called 'services,' though they're not treating these conditions or seeing them every month as they should. And of course not all of these home health care docs do this but many many do. Some have gone so far and have even lied to duals telling them if they switch programs, they will lose their Medicare and Medicaid benefits!!!
You also have to consider the social/case workers because they can have a profound influence on their people. And the pharmacies.... DON'T EVEN get me started here. I am going to assume the part D is commingled with this? Yes?
Please let us know the types of programs available through Bravo (like if it's an hmo, ppo, and or pffs) and if I can say more, I gladly will. Also, please include if the product / programs have the Part D built in it.
Last, I cannot recall who said this, but yes, duals can change every month. Be careful and proceed with caution regarding chargebacks. Sometimes the state or case worker can switch them too, either with or without their consent, fyi. And it could have been a good fit for the dual, but the lack of education on the case worker's part can greatly mess things up for you and your client/s.
And this comes from my experience working in my state. The case may be different in your state; so do your homework there too. Good luck and let us know the about the types of programs available with this carrier. Tx.