The document discusses changes in the Medicare Supplement market in recent years and expectations for 2012. It notes that more baby boomers are enrolling in Medicare as they turn 65, carriers have increased rates and decreased commissions, and larger carriers are gaining more market share. It expects these trends to continue in 2012, along with more carriers restricting advertising and employers dropping retiree health benefits. The document provides statistics on carrier enrollment and discusses strategies for agents to market Medicare Supplement plans to prospects.
Bueller Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Advanced Planning For the Ultra High Net Worth.The recordings for this program can be found at http://tinyurl.com/6yojnrt.
Learn more at www.inknowvision.com
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Complaint against Magellan Health, Inc. for $1 Million Unpaid Bonus CompensationPollard PLLC
Complaint and Demand for Jury Trial against Magellan Health, Inc. alleging that Magellan failed to pay an employee more than $1 million+ in earned bonus compensation. United States District Court, Middle District of Florida, 2018. Pollard PLLC.
This white paper explores how the health care reform bill will affect Medicare Advantage, Part D and Medicare Supplement plans, and how savvy agents can capitalize on the opportunities that will inevitably arise from this change.
Five Macro Trends Driving Healthcare Industry Investment in 2011 and BeyondCognizant
Here are five industry trends that will strongly influence where and how healthcare ecosystem participants will invest business development and technology dollars this year and into 2012.
Roger Kirtley, Lyons Companies, Health Care Reform Legislation Panel, June 2,...Delaware State Chamber
View this powerpoint delivered by Roger Kirtley, a Risk Management Advisor with Lyons Companies about the Health Care Reform Legislation. This presentation was given on June 2, 2010 at the Delaware State Chamber of Commerce's End-of-Session Legislative Brunch at Dover Downs.
Bueller Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Advanced Planning For the Ultra High Net Worth.The recordings for this program can be found at http://tinyurl.com/6yojnrt.
Learn more at www.inknowvision.com
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Complaint against Magellan Health, Inc. for $1 Million Unpaid Bonus CompensationPollard PLLC
Complaint and Demand for Jury Trial against Magellan Health, Inc. alleging that Magellan failed to pay an employee more than $1 million+ in earned bonus compensation. United States District Court, Middle District of Florida, 2018. Pollard PLLC.
This white paper explores how the health care reform bill will affect Medicare Advantage, Part D and Medicare Supplement plans, and how savvy agents can capitalize on the opportunities that will inevitably arise from this change.
Five Macro Trends Driving Healthcare Industry Investment in 2011 and BeyondCognizant
Here are five industry trends that will strongly influence where and how healthcare ecosystem participants will invest business development and technology dollars this year and into 2012.
Roger Kirtley, Lyons Companies, Health Care Reform Legislation Panel, June 2,...Delaware State Chamber
View this powerpoint delivered by Roger Kirtley, a Risk Management Advisor with Lyons Companies about the Health Care Reform Legislation. This presentation was given on June 2, 2010 at the Delaware State Chamber of Commerce's End-of-Session Legislative Brunch at Dover Downs.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
2. U.S. Medicare Chief
Donald Berwick
October 5, 2010*
“Those who wish to preserve
status quo are not going to be
contributors to our nation’s
future. They can’t be effective
partners.
All of us will have to change the
way we do business.”
*http://www.healthreformgps.org/wpcontent/uploads/he10062010_berwick.pdf
3. MEDICARE SUPPLEMENT
2011 YEAR-IN-REVIEW
Baby Boomers began turning 65 (10,000 daily).
SMS records 79 rate increases from various carriers in various states.
Commissions decrease on replacement and guaranteed issue business.
On-line and telephone-sales for Medicare Supplement increase.
Re-insurance pacts for smaller carriers dry up.
Larger carriers increase market share.
Larger carriers continue to develop strategic partnerships for Medicare
recipients (Wal-Mart/Humana, Aetna/CVS).
A+ carriers enter market place (Aetna and CSI – A Berkshire Hathaway
Company).
Large companies restricting, or canceling, retiree health benefits.
Fewer carriers offer new Medicare Advantage plans during AEP.
4. UNITED STATES MEDIGAP ENROLLMENT & MARKET
SHARE BY LEADING CARRIER – MAY 2011
http://www.uhcmedsupstats.com/state.php Medigap Enrollment Medigap Market Share
UNITEDHEALTHCARE INS CO* 2,935,358 30.46%
MUTUAL OF OMAHA GRP 1,035,090 10.74%
WELLPOINT INC GRP 583,483 6.05%
HCSC GRP 477,125 4.95%
CONSECO GRP 348,684 3.62%
BCBS OF MI GRP 219,999 2.28%
HIGHMARK GRP 195,916 2.03%
WELLMARK INC GRP 176,009 1.83%
BCBS OF MA GRP 172,913 1.79%
BCBS OF FL GRP 160,960 1.67%
GENWORTH FIN GRP 139,920 1.45%
BCBS OF NC GRP 126,708 1.31%
BCBS OF MN GRP 126,231 1.31%
LIBERTY NATL GRP 124,310 1.29%
BCBS OF AL GRP 123,468 1.28%
AMERICAN FINANCIAL GRP 122,496 1.27%
BCBS OF KS GRP 117,745 1.22%
STATE FARM GRP 113,358 1.18%
ARKANSAS BCBS GRP 103,058 1.07%
BCBS OF NJ GRP 93,868 0.97%
All Other Medigap Carriers 2,140,025 22.21%
Total 9,636,724 100.00%
5. MEDICARE SUPPLEMENT 2012
THE NEW NORMAL
Medicare will be a highlighted topic due to the 2012 election cycle
creating consumer confusion.
More companies discontinuing retiree health benefits.
Larger A+ carriers either eyeing or planning Medicare Supplement
market entry.
Fewer, IF ANY, smaller carriers planning Medicare Supplement market
entry due to inability to capitalize reserves without re-insurance.
Increase of on-line and telephone-sales of Medicare Supplement
policies as carriers increase technological platforms (DIRECT TO
CONSUMER).
Continuation of employers dropping retiree health programs while
10,000 Baby Boomers turn 65 daily.
Further restrictions for advertising and solicitation for Medicare
Supplement (re: Ohio/NAIC guidelines)
6. 2012 MEDICARE SUPPLEMENT
MARKETING PLAN
Our job at Senior Marketing Specialists is to help YOU, the
agent, provide your clients with the Medicare Supplement that
best suits their needs. Whether it’s the lowest price, rate
stability, company ratings or brand recognition, we have the
products you and your clients need!
7. WHAT MEDICARE SAYS
• Each insurance company sets its
own premiums. It is important to
ask how an insurance company
prices Medigap policies. How
they set the price affects how
much you pay now and in the
future.*
• Cost is usually the only
difference between Medicare
Supplement policies with the
same letter sold by different
insurance companies.**
*http://www.medicare.gov/find-a-plan/staticpages/learn/how-insurance-companies-price-policies.aspx
**www.medicare.gov/publications/pubs/pdf/02110.pdf
8. WHAT MEDICARE SAYS
Your Medicare health or prescription
drug plan can change how much it
costs and what it covers each year.
Even if your plan’s cost and
coverage stay the same, your health
or finances may have changed.
Review your plan each year to make
sure it will still meet your needs. If
you’re satisfied with your current
coverage, you don’t need to change
plans.*
*www.medicare.gov/publications/pubs/pdf/10050
9. MEDICARE + MEDICARE
SUPPLEMENT CONSUMER COST
Example: Age 65 Plan F female
Medicare Part A FREE
Medicare Part B $ 99.00
Medicare Supplement F* $130.00
Total premium $229.00
Plan F contains comprehensive
coverage for everything Medicare
Insurance doesn’t cover as long as
the charge is approved by Medicare
(other plans may be available with
lower premiums).
10. MEDICARE SUPPLEMENT
1,000 PROSPECTS/LEADS
Results:
Contacts 75% or 750
Appointments 60% or 450
Presentations 80% or 360
Sales 60% or 216
Out of 750 “workable leads”, 534 did not
buy. WHY???
267 did not qualify due to health, group,
finances, MA, Medicaid etc…
267 were not interested or
satisfied with their current
plan.
11. MEDICARE SUPPLEMENT
1,000 PROSPECTS/LEADS
Out of 750 “workable leads”
267 prospects/leads were not
interested or satisfied with their
Rate current plan.
Stability
THIS MARKET IS NO
Claims
LONGER “ONE SIZE FITS
Payment
ALL” BASED SOLELY ON
PRICE!
Company Brand
Ratings Name
13. THE MEDICARE SUITE
At SMS, for a company to be
included in “The Medicare Suite”,
they must meet at least three out of
four criteria.
Company
Ratings
Using our Quote Engine, two to four
of these companies are consistently
shown in the top ten carriers, with
Brand their premiums being within only a
Name few dollars a month difference!!!*
LOOK FOR NEW COMPANIES
Claims Rate
IN 2012!
Payment Stability
14. SMS QUOTE ENGINE
Our quote engine is constantly being updated to allow you access to the carriers you
need to help you and your client make the best decisions.
15. Working with SMS
Top Commissions
Discounted Mail Lead Systems
Company Approved Advertising
Turning 65 Lists
NEW Medicare Presentation
Quote Engine
Expert Medicare Marketers
Incentives
16. WE APPRECIATE YOUR BUSINESS!
Please email any questions to us at
amanda@smsteam.net
Senior Marketing Specialists
1-800-689-2800 | www.smsteam.net