 MAPD plan, and the agent is smart enough to follow up and call them to see if they want a review, then the independent agent has the sale over the captive agent.
MAPD hold strong in KC. They have for many years (prior to Part D) since most plans are HMO or PPO. In other areas of the country, it may be a whole different story. I only have KC to compare to since I only work the KC market.
I think the point Midwest Broker has made is that PDP sales are not significant enough to place much credence in the stats regarding the value of the impact of independent sales.
If you want to build a case for the importance of independents, I would not use PDP sales as a measure.
True...but as mentioned, all depends on where you live.
If you are running leads or making calls in Kansas City metro, you will run into just as many people who have a MAPD that have a Supplement.
Just to example that...when I was with Coventry, I received no information about their PDP plans. I never even saw a kit for one. All the focus was on MAPD sales.
The reason you did not see any PDP kits at Coventry of KC is because they do not support them in their direct channel. They farm out all PDPs and PFFSs to FMOs or the home office in Bethesda, MD.
I am direct w/ Coventry of KC... When I submit my aps, Coventry of KC only accepts MAPDs. PDPs and PFFSs must be submitted elsewhere (either to one's FMO or corporate if you are direct w/ Cvty).
They may not be significant enough to track, but they should be. The majority of my PDP sales result in another sale. I have taken in nearly $1,000,000 in investments as a result of PDP sales over the last couple of years. Not to mention the many PFFS and Med Supp plans I've sold in combination with PDP's.
MedSupp's point was that the independent agent adds value. Coventry designed a PDP that was the cheapest one on the market to sell direct to the public without the assistance of agents. They sold much fewer than their other PDP plans.
So, you guys continue to pass up the PDP's and leave them for someone like me who doesn't mind the loss leader. It usually results in additional dollars. Sometimes it's immediate. Sometimes it's months later. PDP's are something EVERY person on Medicare is concerned about. If you're not talking to them about it, someone else is. If all you've sold them is an MAPD, I may be able to show them where they can have lower cost by combining a PFFS with a separate PDP. That's a big challenge for those of you that are captive. You've got one arrow in your quiver. Those of us that are independent have many arrows in our quiver.
Question for Captive Agents Turned Independent?
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MUKAH: Monitoring by officials has kept a tight lid on the prices and quality of goods sold by traders here.
A customer, Simah Alexander, said such inspections have led to the supply of basic necessities being sufficient, reasonably priced and easily available.
According to Simah, the supply of basic necessities such as onions, chicken, chicken eggs, rice, sugar, cooking oil and vegetables is sufficient.
Three months ago, Mukah had difficulty getting chicken eggs but today the situation has improved although occasionally customers scramble to get eggs.
Eggs are sought after by roti canai sellers, burger sellers and bakers but the prices are reasonable.
Grade AA chicken eggs are sold at RM14.50 per box, Grade A RM13.50 and grade B are sold at RM12.90 only.I saw such events as harbingers. There is no doubt that global warming (aka global climate change) is real. It is raising temperatures everywhere. It is extending growing seasons in cooler climes but also making summers hotter, melting Arctic ice and permafrost, increasing the number and severity of storms, and more. It’s doing this right now, and the climate scientists tell us that it is going to get worse. Indeed, much, much worse.
In June 2021, “a leaked draft from the Sixth Assessment Report (AR6) by the UN’s Intergovernmental Panel on Climate Change (IPCC) reports that climate change is happening now, is accelerating and posing unprecedented threats to human and natural systems — and that taking fast action can still avoid the worst economic and ecological impacts” (https://thehill.com/opinion/energy-environment/560131-leaked-un-climate-report-underscores-growing-risk-need-for-fast).
Given our responsiveness to the crisis to date, I am not all sure that we are capable of fast action. On the other hand, we are capable of getting our asses in gear once those asses are on fire and surrounded by alligators.
On fire? Well, right now, the Pacific Northwest is suffering under an unprecedented “heat dome,” with temperatures exceeding 110 degrees Fahrenheit. By about 2050, much more of the US will be facing similar heat waves, according to a study from the Union of Concerned Scientists (https://www.ucsusa.org/resources/killer-heat-united-states-0).
Up to our asses in alligators? Color me hyperbolic, but while we are enduring droughts and heat waves in some places, we’re getting floods in others. Some floods are due to rain from tropical storms. Some are already due to rising sea level, which can also seep into building foundations and corrode the rebar in concrete. This, by the way, appears to have contributed to the collapse of that condo tower in Surfside, FL.
And then there’s drought, with major reservoirs in the Southwest so low that there is talk of turning off hydroelectric generation for lack of the hydro (https://www.wsj.com/articles/west-risks-blackouts-as-hydroelectric-power-dries-up-11624008601). That combines so well with heat waves.
Going back to that IPCC leak, it appears that the planet will soon pass “irreversible tipping points.” Warming will get worse and worse, even to the point where people will indeed be moving to other areas, fleeing drought, heat, and floods, hoping to find a more liveable climate.
“Move or Die” is no joke.
Please start to call “climate change” what it really is. The reason we have no response to “climate change “ is because our language soft-pedals it!
What we are faced with, at best, is “catastrophic climate degradation” due to humanity. Furthermore the tendency for us to overconsume and then “move or die” is the perfect example of human nature.
We face the ultimate existential crisis by tolerating catastrophic climate degradation.
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