What Does 'Ready-to-Sell' Mean for Medicare Agents? Ritter Insurance Marketing

Agents who represent a particular health insurer can only sell you plans from that insurer. These captive agents are typically experts on all the options their company offers. But you won’t learn about plans from other Medicare insurance companies. Whether you choose to be an independent insurance agent or work with a team, you can build and maintain a good business selling Medicare Advantage plans.

Survey these factors when choosing a plan to offer and scrutinize them when shopping to meet a specific client's needs. Always know how each potential plan covers a client's medications. Examine how those benefits relate to cost factors like copays and coinsurance, then compare those cost-benefit balances across plans. If possible, start with the largest carriers like Aetna, Cigna, Humana, or United.

She then presented several Medicare plans, including Original Medicare and some Medicare Advantage plans, that could meet those goals. For each plan, Ann made sure that Pam’s doctors and physical therapists were in network and her medications were covered. As a DMS Sales Agent and a Medicare member, I enjoy the unique opportunity to help Baby Boomers choose the most appropriate coverage for their individual needs. I recognize shoppers have many options to consider when selecting a plan. I’m here to help them navigate through the intricacies of Medicare and introduce them to what Humana has to offer.

Established in 1997, we service the needs of hundreds of thousands of Medicare beneficiaries every year. Trustworthy expertise, with over 80 hours of yearly training from top Medicare carriers. Caremark.com is the secure website where Aetna Medicare SilverScript members can manage prescriptions, sign up for mail delivery, view order status, find drug pricing, and identify savings options. You might medicare agent qualify for a Special Election Period if you meet certain conditions, such as losing coverage as a result of moving out of your plan’s service area. I normally spend anywhere between 10 minutes and 1 hour with a customer to ensure we cover all their questions. If you are new to Medicare, it might take a bit longer to cover all your needs and ensure you understand which plan is best suited for you.

Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, refer to the plan document or call or write your Humana insurance agent or the company. In the event of any disagreement between this communication and the plan document, the plan document will control.

This means that a single agent will not necessarily represent every available plan. In this way, the agent market is filtering plan options, something that may not be apparent to the beneficiary even if the agents and agencies disclose it in their communications. Review Medicare plansMedicare agents and brokers can compare your current coverage to other available options to determine if you can save money without sacrificing coverage. Their expertise can cut through confusion about different options to find the best combination of Medicare plans to meet your needs.

They also handle the process of searching for and applying for Medicare plans. Medicare Plan Finder Online is a tool to search for and compare coverage options available in your area. To personalize your search, enter your zip code and complete Medicare information.

Once you've started selling, you'll need to recertify with each carrier annually. Doing so ensures that you stay up to date on Medicare regulations and the yearly shifts in each carrier's offerings. Starting early also means that you can begin onboarding more clients earlier. If you start this process well before open enrollment, you'll be ahead of the competition and positioned for early success. Starting early also entails that you can begin onboarding more clients earlier. Join the thousands of independent agents getting the first word from Ritter.