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Introducing Short Term Home Health Care!

Medicare SEP

About the Author: With his signature common sense, quiet good humor, and brilliant customer service, Jim is an integral part of the RBI team — we’d go so far as to say we’d be lost without him! An Arizona native, Jim manages agent relationships for the East Coast and specializes in the RBI agent tools, especially the Agent Market Edge. Jim has been a licensed health insurance agent for 2 years, and has worked at RBI for almost 3 years. An accomplished bassoonist, he is known around the office for his amazing musical skills. In addition to keeping busy around the office, Jim frequently contributes to our blog, bringing a new agent’s perspective to the RBI online presence.

What would YOU do for Short Term Home Health Care?

What would you do for the opportunity to protect your clients from lengthy and costly stay at a Skilled Nursing Facility?

Would you jump up and down on one foot? Absolutely

Would you act like a chicken? Sure, why not!

Now what if I also told you that there are plans available that can pay for themselves without even utilizing their Home Health Care benefits?

Would you eat liver and onions? Not my favorite,but yeah sure.

Would you do an interpretive ribbon dance in front of a group of people? Well… How big of a group and who?

Finally, what if I told you that these plans are not only extremely affordable for your clients, but you can also make good money offering these plans?

Would you hug a cactus? Getting a little crazy now…

How bout free swimming with sharks? Yeah, no…

Beyond the Monetary Savings

Maybe I started getting just a little carried away there. But on a more serious note, these new Short Term Home Health Care plans that have been hitting the market recently are an amazing way to not only protect your clients pocket book, but also give them the option to recover in the comfort of their own home. Some carriers even have EXTREMELY relaxed underwriting questions. One of my favorite carriers, Guarantee Trust Life, has 2 or 3 underwriting questions depending on which plan your client selects.

The value of these plans can go way beyond just the intrinsic monetary value. Just from my personal experience, these plans may have saved my Grandpa’s life. A few years ago, he had fallen while stepping off a ladder and ended up breaking his hip. The fall wasn’t what ended up taking his life though, it was a bacterial infection that he ended up contracting in the Skilled Nursing Facility he was staying at. Had he been able to recover from this in the comfort of his own home, he might still be here today.

I love talking about the amazing benefits that these new Short Term Home Health Care plans provide. Give me a call to see which carriers offer these plans in your area. You can reach me directly at 1-800-997-3107!



2020 ahip discount certification
OEP
Medicare cost-sharing

Rob Douglas Presents: United National Life

Join Rob Douglas and RBI on Tuesday, February 12th for “Rob Douglas Presents: UNL” webinar.

RB Insurance Group is proud to have special guest, Rob Douglas from United National Life show you how to boost your sales now that the AEP is over with United National Life. See below for a brief preview of what we will be covering:

  • Who is United National Life?
  • UNL’s Hospital Indemnity
  • UNL’s Short Term Home Health Care

UNL Short Term Home Health

United National Life Presents: Short Term Home Health Care

We are proud to have UNL Sales Manager, Rob Douglas, present their new Short Term Home Health Care plan!

We would be thrilled to have you join us on August 14th from 10:00 am – 12:00 pm, down here at the RBI Office.

 

Introducing Short Term Home Health Care!

Medicare SEP

About the Author: With his signature common sense, quiet good humor, and brilliant customer service, Jim is an integral part of the RBI team — we’d go so far as to say we’d be lost without him! An Arizona native, Jim manages agent relationships for the East Coast and specializes in the RBI agent tools, especially the Agent Market Edge. Jim has been a licensed health insurance agent for 2 years, and has worked at RBI for almost 3 years. An accomplished bassoonist, he is known around the office for his amazing musical skills. In addition to keeping busy around the office, Jim frequently contributes to our blog, bringing a new agent’s perspective to the RBI online presence.

What would YOU do for Short Term Home Health Care?

What would you do for the opportunity to protect your clients from lengthy and costly stay at a Skilled Nursing Facility?

Would you jump up and down on one foot? Absolutely

Would you act like a chicken? Sure, why not!

Now what if I also told you that there are plans available that can pay for themselves without even utilizing their Home Health Care benefits?

Would you eat liver and onions? Not my favorite,but yeah sure.

Would you do an interpretive ribbon dance in front of a group of people? Well… How big of a group and who?

Finally, what if I told you that these plans are not only extremely affordable for your clients, but you can also make good money offering these plans?

Would you hug a cactus? Getting a little crazy now…

How bout free swimming with sharks? Yeah, no…

Beyond the Monetary Savings

Maybe I started getting just a little carried away there. But on a more serious note, these new Short Term Home Health Care plans that have been hitting the market recently are an amazing way to not only protect your clients pocket book, but also give them the option to recover in the comfort of their own home. Some carriers even have EXTREMELY relaxed underwriting questions. One of my favorite carriers, Guarantee Trust Life, has 2 or 3 underwriting questions depending on which plan your client selects.

The value of these plans can go way beyond just the intrinsic monetary value. Just from my personal experience, these plans may have saved my Grandpa’s life. A few years ago, he had fallen while stepping off a ladder and ended up breaking his hip. The fall wasn’t what ended up taking his life though, it was a bacterial infection that he ended up contracting in the Skilled Nursing Facility he was staying at. Had he been able to recover from this in the comfort of his own home, he might still be here today.

I love talking about the amazing benefits that these new Short Term Home Health Care plans provide. Give me a call to see which carriers offer these plans in your area. You can reach me directly at 1-800-997-3107!



2020 ahip discount certification
OEP
Medicare cost-sharing

Cross-Selling: Start with your Book of Business

Tom O'Neil

Senior Agent Contributor: Tom O’Neil

Tom O’Neil has been in the Medicare industry since the 1970s!  Whether the topic is selling Dual Eligibles, or how to increase business cash flow, or simply the craziest Medicare Advantage home appointment he’s ever been on, he has a wealth of stories and enjoys sharing them. When he isn’t running appointments, writing for our blog, or planning his next sales, he enjoys spending time with his canine companion, Molly.

Pictured above: Tom’s sweet pup!

Cross-Selling: Start with your Book of Business

Senior Agent Contributor: Tom O’Neil


I am going to speak to some commonly missed lock-in period cross-selling opportunities and other related musings.  Keep on the lookout for another article where I touch on problem clients and when to fire them!

As Medicare Advantage and PDP sales enter a bit of a slump this time of year, I go to my book of business.  It was a slower than usual AEP for me this year, I wrote about 30 new MAPD clients and rewrote about 12 with some Med Supps added in.  Due to some other nagging obligations, that was as much effort as I could muster.

What now? – Time to start calling your new clients from AEP!

Cross-selling your existing Book of Business

Call your new clients from the recent AEP.  By now, they have had about 4 ½ months to use their plans.  Ask them some open ended questions about how their plan is working for them and try to uncover any problems they may be having with their new coverage. Any problems they ARE having, like a hospital bill for example, is a perfect opportunity to bring up Hospital Indemnity insurance. Another crucial reason for following-up with your clients this time of year is to make sure you’re top of mind when AEP rolls around in October.

By all means, if they are having any issues, assist them where you can with any of their plan challenges.  If they feel they need help here is another suggestion: GO TO THEIR HOUSE!  My basic rule during lock-in period is to do a home visit if my client lives within about a 30 mile range.  I will even see them on Saturday. Efficient? Heck no, but it will generate more information and business if you meet face to face.  Maybe they will bring over their adult child or senior neighbor.  It is also better if you are on speaker phone with them if a call is needed to the customer service department.

Think of questions that can also easily generate referrals but also might indicate new needed coverage for your client such as:

  • Hospital Indemnity
  • Cancer Plan
  • Dental Insurance or Dental Discount Plan
  • Final Expense Life
  • Good-Rx Plan  for Non-Formulary Drugs or to lower some copays (not commissionable but it has led to some great business for me!  Using this great, FREE tool will be a subject of a blog in a couple of weeks.)

Believe me, activity begets more activity.  Take it from somebody who’s been in the Medicare industry since the 70’s; this works!

Curious to know the 5 questions I ask my clients that will get you more referrals AND cross-selling opportunities?  Give the RBI team a call today and learn how they can grow your Medicare business! 1-800-997-3107

Keep an eye out for an upcoming white-paper from Tom O’Neil!



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