As much as you try to help them out and do the right thing, you can not always get the correct anwers. I would watch them remove their medicare card, just to see if I can see another medical card in their purse or wallet. You would be suprised how many do not have any idea what medical program they are on
I have had applicants come back as denied and I could have swore they only had Medicare, but come to find out they had a retirement program from their deceased spouse. Go figure.
Agents are hopping on the MA bandwagon because it's exciting, new, and profitable (in a certain respect), and that frightens the HE77 out of me. Where are these agents going to be 9 months from now, when there are problems to handle? Due diligence is being prepared before, during, and after the sale.
Good post, very informative, and proved my point to a tee. With health insurance, are you absolutely sure that every sale is the right thing for that person. There is/are information that is withheld either, willingly or unwillingly during the interview/application process, regardless of "due diligence". It happens, the demographics dictate much of the issues with this program. There are issues with the MA programs, some are thrown together, or the support system is lacking. Yes - I did stop pursuing the MA client, just found the uncertainty of not having things "black and white" to my liking.
I do sell other, completely different insurance. As far as studying and reading up on my trade, I do enjoy educating myself and try to stay abreast of the happenings in my craft. That's how I found this place..
(by the way, I have done alright in MA programs the last two years, ranked top three nationally in my program(s)..)