InsuranceGuy29
Guru
- 649
Agreed. The guy is clueless and he's just saying it to try and minimize the agents, as usual. It's a tactic to try and make us think we're nothing and that we have no power. We have a LOT of power in determining how much business these companies get, and we need to start tactfully utilizing it.He’s feeding you BS on the channel numbers. Just 18 months ago Humana said on an earnings call that a crazy 40%+ of ALL Humana Advantage enrollments come from just the call centers. Add all the local brokers and they’re well past 50%.
No carrier sees more than about 10% of enrollments from Medicare dot gov. Typically less, and then many of them either never accrete or don’t stay on the books long.
Humana is unique though because they have their own captive agency and their own DTC marketing. Still well over half their sales come from brokers, and hardly anything comes from the government.
Maybe their Part D biz is different.
"No carrier sees more than about 10% of enrollments from Medicare dot gov. Typically less, and then many of them either never accrete or don’t stay on the books long."
This is spot on, and it's because there is no relationship built upon trust and mutual respect, like agents have with their clients. Any moron can enroll someone (this job is not about enrolling people, it's about CONSTANTLY SERVICING them), but keeping them is another story. This is where agents have HUGE leverage. Our clients like us, trust us, and want to stay with us.
No client is gonna be loyal to an ai computer, government agent (most people hate the government), or a random customer service rep that's overseas. No one I know even wants to speak to any of these entities, and all they do is bitch to me when they have to, and rightfully so. It's never a pleasant experience.
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