Perhaps you need a better clientele. My folks are mostly middle income. A fair number living on SS and no pension. They don't have a problem paying Medigap premiums.
I do however run into people on $0 MA plans that also have HIP, cancer and other fillers that bring their total outlay to $80 - $110/month. Great deal for the agent who makes about a grand off that deal but the poor client still has gaps that can leave them owing several thousand.
Please explain how this approach helps the client.
If they can't afford a Medigap they can't afford to get sick or injured with an MA plan either.
The lions share of unpaid medical bills occur under Part B.
I do however run into people on $0 MA plans that also have HIP, cancer and other fillers that bring their total outlay to $80 - $110/month. Great deal for the agent who makes about a grand off that deal but the poor client still has gaps that can leave them owing several thousand.
Please explain how this approach helps the client.
If they can't afford a Medigap they can't afford to get sick or injured with an MA plan either.
A $40/month premium to keep them out of the poorhouse in the event of a hospital trip makes sense to me.
The lions share of unpaid medical bills occur under Part B.