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All States with Secure Advantage

All States with Secure Advantage. Why We D eveloped The Secure Advantage Product L ine Where T he P roduct Fits In Today’s Economy, Is I t Affordable? What I s I n It For You, The Agent?. Why We D eveloped The Secure Advantage Product L ine Where T he P roduct Fits

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All States with Secure Advantage

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  1. All States with Secure Advantage

  2. Why We Developed The Secure Advantage Product Line • Where The Product Fits • In Today’s Economy, Is It Affordable? • What Is In It For You, The Agent?

  3. Why We Developed The Secure Advantage Product Line • Where The Product Fits • In Today’s Economy, Is It Affordable? • What Is In It For You, The Agent? • Last – How Do I Present The Secure Advantage? • First – Let’s Review The Secure Advantage

  4. “Mr. Jones, that means if you are in the hospital for 7 days YOU ARE responsible for $1,750”…then I say, “Mr. Jones, don’t worry about that, because I am going to show you why you won’t have to pay that. Don’t let me forget, OK?”

  5. “Mr. Jones, don’t worry about paying the Ambulance copay or the Emergency Care copay because I am going to show you why you won’t have to pay that; don’t let me forget.”

  6. “Mr. Jones, don’t worry about this charge. I will show you why you won’t have to pay for that.”

  7. “Mr. Jones, that is how your current program works; do you have any questions?”

  8. At this point, they ask me “you were going to show me how to not pay all those charges.”

  9. “I am glad you reminded me, Mr. Jones. I would have probably forgotten.”

  10. “Mr. Jones, when we first started selling Medicare Advantage plans back in 2005 with an effective date of 1/1/2006, no one, including me, knew how the benefits would be paid out. After a couple of years, we noticed our clients were paying quite a lot out of their pockets when certain scenarios took place. Let me ask you a couple of quick questions.”

  11. “Mr. Jones, have you ever been in an Ambulance?”

  12. “Mr. Jones, where did the Ambulance take you?”

  13. They always say, “To the hospital.” I then say, “Yes, but what part of the hospital?” Then they always say, “The Emergency Room.”

  14. “So, Mr. Jones, you have now already triggered two copayments on your MA plan.”

  15. “…Now Mr. Jones, one or two things will happen while you are in the ER; they will either stabilize you and send you home or what else?”

  16. “That is right, they will admit you to the hospital and that will trigger the most expensive part of your MA plan; $250.00 for each day you are there.”

  17. “Mr. Jones, that is why we created this program.” At this point I turn the brochure over and go through the benefits and see where the program fits in his budget. It is a very effective presentation if done properly.

  18. All States with Secure Advantage

  19. Bill Ellsworth / Vice President / bille@e-hfg.com Dolly Gatton/ Licensing / agencyservices@e-hfg.com Greshan Georges/ Marketing / gwilliams@e-hfg.com Cindy Laster/ Marketing / claster@e-hfg.com Amber Nevin/ Supplies / agencyservices@e-hfg.com 1-800-373-4000 www.heartlandagent.com

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