Say your Medicare Advantage client goes to the local emergency room with a rapid heart beat and shortness of breath. After triage, the attending ER physician advises her to remain in the hospital for a while so he can make sure she’s stable. For two and a half days, your client is attended to by […]
About Tom O'Neil
Tom was licensed as a Life and Health agent in the late '70s. He joined RB Insurance Group in 2012 and is now Senior Broker Trainer, specializing in initial carrier-related training, sales and AHIP preparation. Tom started in the senior market as a carrier appeals specialist, then spent many years as an employee sales agent with PacifiCare/United Health and Intergroup/Health Net in Arizona. He has worked with Medicare clients for 20 years and is always available to share his expertise with our agents.
Tom is an honorably discharged veteran (Sergeant First Class) who served as a military Air Traffic Control Specialist. He still works nights and weekends as a producing agent, always keeping up with the latest trends in the business. He lives in Phoenix with Molly, his beloved Labahoula.
Entries by Tom O'Neil
Hospital indemnity plans, often referred to as HI, have become a valuable add-on for many Medicare beneficiaries. With Medicare Advantage plans’ increasing copays and coshares, these HI options can be a relatively inexpensive solution for your senior clients. Yet seniors are not the only ones who can benefit from HI — you have the opportunity to sell […]
I’ll say it again: Online enrollment is becoming the new normal for the Supplement business. While some documents must be left with your client based on state and carrier regulations, these e-enroll systems eliminate most of the need for constantly reviewing paper forms that Agents have carried to appointments for decades. Many carriers offer easy-to-use, downloadable enrollment programs for desktops and laptops. Tablet apps can be used with Internet for immediate submission or offline for use when a Web connection is later available.
If you’re not looking to the stars — that is, the Star Ratings available for each Medicare Advantage and Prescription Drug plan offered by a carrier — to increase your sales, now’s a great time to start. A recent article from Avalere Health confirms what some Agents may have already been observing: Medicare Advantage Members gravitate to […]
I took a call a few weeks ago from an affiliated agent asking me when his prospective client would be able to switch from a Chronic Illness Special Needs Plan (C-SNP) HMO he no longer favored to a MAPD HMO he was eligible for, even with his illness. It turns out the agent called me […]
Most independent agents offering Medicare Advantage and Part D prescription drug plans are at least generally aware of Medicare’s official website, though relatively few of them think of it as a sales asset. Medicare.gov is a handy tool for determining MA plan availability by ZIP code, and it also offers filtering options to determine a client […]
Find out how to sell Guarantee Trust Life hospital indemnity plans. Click here to contract with GTL today!
We all know our Medicare Advantage commission advance shrinks as the year progresses, so what can we do to maintain our income stream?
Guarantee Trust Life has your answer. Commissions for its Advantage Plus hospital indemnity plan are paid weekly, directly to you from the carrier, and simple yes-or-no underwriting makes for jet-speed submission. Advantage Plus helps fill the gaps in popular Medicare Advantage and ACA individual plans at a superbly reasonable premium, something your clients will undoubtedly appreciate.
Let me start with a question: Do you offer Medicare Advantage Plans or Part D Prescription drug plans? Those of us who do have learned to navigate prospect contact guidelines from CMS, which restrict what and how much we can market in the appointment. In getting used to these rules, we may be forgetting how […]