[captrobey]

I have posted before about the different trips i have qualified for. The last one was the cruise with Medico . This one is through Aetna . Originally it was to Hawaii and i needed $200000 of sales. Not easy . You do get the whole year though. I did not think i would make it in a great year i can do around $150000 . Medico cruise was $140000 in sales. I just passed that amount with $144000 .

Then the changed the trip from Hawaii to San Francisco . And it went from $200000 to $175000 . Still hard but there are 2 bonuses that may help. One is if i do all Online apps at least 60% i get an added $20000 towards the trip. The other is if i do All underwritten at least $80000 of my total amount i get another $30000 towards the trip. So if i can hit both of these it would bring it down to $125000 . Extremely possible.

Right now i am unofficially a bit over $90000 . Officially $72000 . I have some pending sales too. If i can hit both bonuses and get to $125000 i would make it. I have done all my sales online not one was a paper application. So that $20000 is in the bag. The other i am at $64500 so $80000 not impossible and these pending apps would really get me more up there.

So i like to mention this here because i seem to get luck when i do. And i could use it as Dec 31st ends the run . With a tough year with my wifes operations (Another next month) i did not think i would have a shot at this trip but i think it may just be possible. Be nice to go with her to San Fran next year after all the operations. On the cruise ship i had to push her all around in a wheel chair . Hopefully she will be up and walking if i can get this one. Would love to add this onto the list of trips i qualified for.

[Big Bear]

congrats bro

what do you sell?

can I come work for you?

[captrobey]

congrats bro

what do you sell?

can I come work for you?

I am not there yet just hoping bringing it up keeps sales going and brings me luck. I sell Medicare insurance mainly Medicare Supplements. Sometimes a company does a yearly trip to get you to sell them more. I have been on like 4 trips so far or so. The week cruise was the last one.

[KVB]

...Then the changed the trip from Hawaii to San Francisco . And it went from $200000 to $175000...

That's a bit of a downsize, cap'n.

WTF are you going to do in San Francisco?

Unreal.

Good Luck!!!!

[captrobey]

That's a bit of a downsize, cap'n.

WTF are you going to do in San Francisco?

Unreal.

Good Luck!!!!

Well my wife would love to see the GG bridge and they will probably take us to Alcatraz. I think that is near the Bigfoot museum i would like to see that. And they really do pamper you on these trips. Think about it to get the trip you have to sell minimum of $125000. When i won the France trip they took us onto the Eiffel Tower and we had lunch. We got to see the Mona Lisa . Every place we have gone on a trip i qualified for they do something big for you . Except Medico the Cruise which was fine they paid for everything and it was a full week even paid for alcohol and an Ocean View on the cruise .

[gauchojake]

Open enrollment right around the corner. Good luck.

[KVB]

Well my wife would love to see the GG bridge and they will probably take us to Alcatraz. I think that is near the Bigfoot museum i would like to see that. And they really do pamper you on these trips. Think about it to get the trip you have to sell minimum of $125000. When i won the France trip they took us onto the Eiffel Tower and we had lunch. We got to see the Mona Lisa . Every place we have gone on a trip i qualified for they do something big for you . Except Medico the Cruise which was fine they paid for everything and it was a full week even paid for alcohol and an Ocean View on the cruise .

Nice, yeah there's always the tourist thing but SF so dirty anymore, Hawaii probably much nicer.

If you haven't been though, I suppose there area some things to see.

Rooting for you Cap!!

[captrobey]

Open enrollment right around the corner. Good luck.

I figured if i can get to $100000 by the busy season i have a great chance. This year is going to be hard as the Medicare.gov site will no longer let you save anything . So i will have to redo the entire drug review from the beginning every time.

[Bostongambler]

As long as you aren’t seasick you should go.

[captrobey]

Nice, yeah there's always the tourist thing but SF so dirty anymore, Hawaii probably much nicer.

If you haven't been though, I suppose there area some things to see.

Rooting for you Cap!!

I have been to Hawaii but not SF . When we went to Ariz a couple trips to like Oatman we briefly went into Calif. When we were in Lake Havasu we took a ferry to a casino in CA. But never an extended amount of time. Actually Hawaii was sort of because of a trip i qualified for way back. I qualified for a trip to the Dominican Republic and they cancelled it and took us all out to Ruth Cris Steak house . They gave a check for $4000 instead. That bought the Hawaii tickets .

[captrobey]

As long as you aren’t seasick you should go.

Lol i do not get seasick remember i was in the Navy on a Minesweeper.

[JAKEPEAVY21]

[HockeyRocks]

I am not there yet just hoping bringing it up keeps sales going and brings me luck. I sell Medicare insurance mainly Medicare Supplements. Sometimes a company does a yearly trip to get you to sell them more. I have been on like 4 trips so far or so. The week cruise was the last one.

Are you into enrolling people into Medicare Advantage Plans? I know Medicare doesn't allow them to be counted towards trips etc., but still a very lucrative business in today's world..Especially Aetna has great plans all over the country..

[Big Bear]

I am not there yet just hoping bringing it up keeps sales going and brings me luck. I sell Medicare insurance mainly Medicare Supplements. Sometimes a company does a yearly trip to get you to sell them more. I have been on like 4 trips so far or so. The week cruise was the last one.

my friend told me there is good money selling Medicare supplements

so in order to sell that you need a Life Insurance license right? are there any other licenses required?

[HockeyRocks]

my friend told me there is good money selling Medicare supplements

so in order to sell that you need a Life Insurance license right? are there any other licenses required?

Yes, a Life and Health license is required...You may want to look into selling Medicare Advantage Plans...Much more lucrative and less competition...I've been doing Medicare Advantage for 15 years...99% of my business is Med Advantage Plans.

[chico2663]

I am not there yet just hoping bringing it up keeps sales going and brings me luck. I sell Medicare insurance mainly Medicare Supplements. Sometimes a company does a yearly trip to get you to sell them more. I have been on like 4 trips so far or so. The week cruise was the last one.

i miss those days. I qualified for 13 straight trips. From cancun,hawaii,new york,balt and england to name a few. I will pray that you make it because there is nothing better than spending someone else's dollar. My brother worked for humana for dozen years. Went on his own 3 yrs ago. He makes 200 grand working (finished 3rd nationally selling humana 2019) 3 months and follows nascar and football rest of year.

[chico2663]

capy spent 7000 to try to go back to work. I was thinking of taking classes on med sups than buy leads

[captrobey]

Are you into enrolling people into Medicare Advantage Plans? I know Medicare doesn't allow them to be counted towards trips etc., but still a very lucrative business in today's world..Especially Aetna has great plans all over the country..

Yes but the Med Supp sells itself when you show them side by side . The biggest advantage is Open Enrollment or people getting B for 1st time which of course is open enrollment. If you go with an advantage plan then want out and want a Med Supp only someone like AARP would take you but they are overpriced. I sell them and they are maybe 2% of my sales. A persons health has a ton to do with it.

[captrobey]

my friend told me there is good money selling Medicare supplements

so in order to sell that you need a Life Insurance license right? are there any other licenses required?

Yes a health and life license . A Med Supp pays normally for 6 years as long as they keep it. A single sale will probably average you depending on the plan $25 -$30 a month . So they do not pay a ton per month but an HMO pays yearly . Most clients go with a plan F,G,or N . A plan F is the best coverage you can get out there. The only thing that beats it is the J plan but that went bye bye years ago. The test just so you know is not easy. I once saw a woman coming out who was crying because she failed so many times.

Oh just to add to this Even though a Med Supp may pay $25-$30 they do add up. Think of this once you build you clientele up.

[romecloneout]

Dont matter. You will lose it all in the casino anyways.

But good luck

[captrobey]

Yes, a Life and Health license is required...You may want to look into selling Medicare Advantage Plans...Much more lucrative and less competition...I've been doing Medicare Advantage for 15 years...99% of my business is Med Advantage Plans.

Lol I am the opposite I am Mr. Med Supp lol. I just think they are less trouble. A managed care plan people call griping about co-pays or something out of network that they thought would have been in network. You cannot even file a complaint with Medicare since they are not the Primary. But a Med Supp especially an F or G you either have everything covered or just pay the $185. Once in awhile I have an issue with coding and something has to be resubmitted. But I honestly have more problems with the damn PDP plans then the actual Medicare Supplements.

[captrobey]

i miss those days. I qualified for 13 straight trips. From cancun,hawaii,new york,balt and england to name a few. I will pray that you make it because there is nothing better than spending someone else's dollar. My brother worked for humana for dozen years. Went on his own 3 yrs ago. He makes 200 grand working (finished 3rd nationally selling humana 2019) 3 months and follows nascar and football rest of year.

The Medicare Supplements can get you some decent trips. You have to build up your clients but once you do and if you are a broker it gives you a really great chance to be in the running for one. You go with the company with the best price and has a good rating. I will not touch a company that is not a B or above. Some even go above and beyond. Aetna besides this trip is doing a Med Supp bonus I think this month and next month . If you sell I think it is 5 Medicare supplements every underwritten application that is accepted you get $100 per App. Open Enrollment is $25 . I actually just had 2 Apps accepted this morning underwritten so right there is $200 . Last 2 days 2 OE so that is $50 .Not bad on top of the normal commissions.

So far trip wise I have won a trip to Dominican Republic and got the cash ($4000) instead and dinner at Ruth Cris. That paid for our Hawaii tickets. So lets say I got to go to Hawaii on them . A trip to Paris . A trip to Barbados. A trip to Aruba . And a week cruise in the Caribbean.

[captrobey]

capy spent 7000 to try to go back to work. I was thinking of taking classes on med sups than buy leads

I really like the Med Supps. Have the HMOs at hand too show them both. When I do most go Med Supp. Be careful buying leads. The best way is to build up your clients during the busy season . The AEP . Pretty much Oct and Nov. Those times look into getting into stores that set up kiosks for enrolling people .Humana is connected to Walmart so you can sit there and go over stand alone PDPs with them. A stand alone needs Health coverage added on. Next time when you go into a Walmart Sept-Oct-Nov look for a Kiosk that says Humana that is what that is. I do not need to anymore since I have built up my clients but I have been all over. Walmart-Costco-Acme-Rite Aide -and CVS .

Like right now I Like Aetna they are beating out Cigna. So if they are connected to a Pharmacy see if they have a desk or Kiosk at a pharmacy. Get certified to sell their drug plans. If they do see if you can be there to enroll people for the drug plans. That opens the door to talk about their Medicare Supplement. If someone has AARP or Security 65 or a lot of others you can probably blow that out of the water and save them money on the same thing they already have. Another thing that helps at appointments is I have actual experience with family members. My own Mom has a plan F . I actually pay for that for her. My Grandmother who has passed had a Med Supp PLan G . My Dad went HMO and ran into all the problems with it once he got Cancer. He is also deceased. But during my presentation I can give examples of my own family with certain situations.

If you do buy leads I have had some luck with the turning 65 leads. A HUGE advantage is everyone turning 65 is Open Enrollment so if they want a Med Supp they can get it no questions asked. You never have to worry about someone being turned down. Just make sure they have A and B of Medicare.

[captrobey]

Dont matter. You will lose it all in the casino anyways.

But good luck

Well no this has nothing to do with a Casino . This is a trip I am trying to qualify for through work.

[HockeyRocks]

I really like the Med Supps. Have the HMOs at hand too show them both. When I do most go Med Supp. Be careful buying leads. The best way is to build up your clients during the busy season . The AEP . Pretty much Oct and Nov. Those times look into getting into stores that set up kiosks for enrolling people .Humana is connected to Walmart so you can sit there and go over stand alone PDPs with them. A stand alone needs Health coverage added on. Next time when you go into a Walmart Sept-Oct-Nov look for a Kiosk that says Humana that is what that is. I do not need to anymore since I have built up my clients but I have been all over. Walmart-Costco-Acme-Rite Aide -and CVS .

Like right now I Like Aetna they are beating out Cigna. So if they are connected to a Pharmacy see if they have a desk or Kiosk at a pharmacy. Get certified to sell their drug plans. If they do see if you can be there to enroll people for the drug plans. That opens the door to talk about their Medicare Supplement. If someone has AARP or Security 65 or a lot of others you can probably blow that out of the water and save them money on the same thing they already have. Another thing that helps at appointments is I have actual experience with family members. My own Mom has a plan F . I actually pay for that for her. My Grandmother who has passed had a Med Supp PLan G . My Dad went HMO and ran into all the problems with it once he got Cancer. He is also deceased. But during my presentation I can give examples of my own family with certain situations.

If you do buy leads I have had some luck with the turning 65 leads. A HUGE advantage is everyone turning 65 is Open Enrollment so if they want a Med Supp they can get it no questions asked. You never have to worry about someone being turned down. Just make sure they have A and B of Medicare.

Cap, just to give you another perspective. Im in North Carolina with licenses in 6 different states and appointed by UHC, Humana, Aetna, Cigna, BCBS, Health Team Adavantage and a few other smaller ones...Been writing Med Advantage for 15 years with a current customer count of 800. Im 72 years old, still work semi-retired, except during AEP, then i work from sun up to sun down, and collect 175K+ in residual income every year. AEP goes from 10-15 to 12-7 each year. Here in NC we're lucky to have great and very affordable Med Adv plans like HMO's and many PPO's with no premiums and low low MOOP's. Zeri co-pays to PCP's 25.00 for specialist...MOOP's are as low as 3400, sometimes lower than what people payfor a med sup and a part D. If you sell the Med Adv. correctly you should have no problems...Even with my customer base, i very seldom get a call with people complaining...People also like the fact the Part D is included in a Med Adv plan and most companies Tier 1 and 2 generics are FREE...People love free stuff..
No offense but sitting your azz in a pharmacy waiting for someone to come by for you to talk to is a lazy way to increase your customer base...I did that one time about 10 years ago and that was the last time...You need to get hooked up with an Agency that will supply you leads..You call those people, make an appointment, go see them, sit around there kitchen table...People like the personal service....Get referrals from them...That's how you build a business..Now i do work in a lot of rural areas in NC and VA where a lot of people don't have the extra money to buy a med sup and a Part D. The Part D's by themselves today really suck...To expensive, the formulary sucks and to high deductibles...Show me a husband and wife who's paying 400.00 a month for a med sup and part D, goes to doctors maybe 8-10 times a year and they will become my client in a New York second with a Med Adv plan....No complaints.....Don't know what State your in, but do get appointed by someone other the Humana, There the worst.....This year a new Med Adv will pay 505.00 commision and a renewel will pay i thing 255.00...What ever you do cap, good luck....

[romecloneout]

Well no this has nothing to do with a Casino . This is a trip I am trying to qualify for through work.

I know what it is for. And you will find a way to lose it in the casino.

[captrobey]

Cap, just to give you another perspective. Im in North Carolina with licenses in 6 different states and appointed by UHC, Humana, Aetna, Cigna, BCBS, Health Team Adavantage and a few other smaller ones...Been writing Med Advantage for 15 years with a current customer count of 800. Im 72 years old, still work semi-retired, except during AEP, then i work from sun up to sun down, and collect 175K+ in residual income every year. AEP goes from 10-15 to 12-7 each year. Here in NC we're lucky to have great and very affordable Med Adv plans like HMO's and many PPO's with no premiums and low low MOOP's. Zeri co-pays to PCP's 25.00 for specialist...MOOP's are as low as 3400, sometimes lower than what people payfor a med sup and a part D. If you sell the Med Adv. correctly you should have no problems...Even with my customer base, i very seldom get a call with people complaining...People also like the fact the Part D is included in a Med Adv plan and most companies Tier 1 and 2 generics are FREE...People love free stuff..
No offense but sitting your azz in a pharmacy waiting for someone to come by for you to talk to is a lazy way to increase your customer base...I did that one time about 10 years ago and that was the last time...You need to get hooked up with an Agency that will supply you leads..You call those people, make an appointment, go see them, sit around there kitchen table...People like the personal service....Get referrals from them...That's how you build a business..Now i do work in a lot of rural areas in NC and VA where a lot of people don't have the extra money to buy a med sup and a Part D. The Part D's by themselves today really suck...To expensive, the formulary sucks and to high deductibles...Show me a husband and wife who's paying 400.00 a month for a med sup and part D, goes to doctors maybe 8-10 times a year and they will become my client in a New York second with a Med Adv plan....No complaints.....Don't know what State your in, but do get appointed by someone other the Humana, There the worst.....This year a new Med Adv will pay 505.00 commision and a renewel will pay i thing 255.00...What ever you do cap, good luck....

Yes it can definitely depend on the location to sell those. I just have had problems with the Hmos from The client having to pay a higher co-pay that they yell at you like it's your fault to being out of network and having to pay the full amount instead of a co-pay and again they yell at you like it is your fault. It even happened to my own dad when he was out of network and even after I told him everything up front he still called up bitching about it. And that was my own dad. Luckily my mom and grandmother have Med Supps and I do not have to worry about stuff like that. But you are right it depends on where they are being sold.

I do not have to sit at a Walmart or any place like that anymore. Luckily you and I have built up our clients the snowball is rolling downhill with referrals. But there is nothing better if you are starting out then doing that. I have tried all those things like I am sure you have too. When I was at a Costco 3 days a week I made more sales then any other method. Walmart was not bad but it depends on the location. Mail Outs really were not that great and buying leads especially extremely expensive ones was just pissing money down the drain most of the times.C old calls get frustrating but I have had some luck with the Turning 65 leads. I made so many contacts at Costco back then every day I was there I had a good conversation with someone. When the busy season came around I had a ton lined up already. Honestly Hockey if I had some free time I would not mind going back to Costco it was that good. Luckily I have referrals that keep me busy.

And you are right nothing is better then getting in the home I make house calls and go there to meet the client and get the sale like that. I know a lot that just do it over the phone and that is fine, I just like being there. Of course it depends how far the place is but I will drive 2 hours 1 way for a sale. When I was in the Acmes,Costcos,Walmarts,etc... it was just to make contact and see if it was something that was worth setting an appt with the person and get into the home to get the sale. Costco was a goldmine for this.

I do not know wth i am going to do with what is happening with the Medicare.gov site. I review drug plans for free for all my clients each year. Now i cannot save anything or you will not be able to soon. The new site actually does look good but it looks like they want everyone to sign up themselves which basically 90% of people out there do not want to bother with. I do not mind doing it but it sucks that if i run someones drugs and they take 20 drugs once i exit that if that client calls back and wants to switch something or add something like they always do, i have to start from the beginning and enter everything in again. There is a place to give a person permission to access their account but that is i believe for grandpa to give his grandson permission to go in there and run his drugs. Not someone like me to do that plus on top of that have access to all their personal info. Plus Medicare will see the ip that goes onto the persons site so if they see 2000 of the same ip you know that would not be good lol.

[captrobey]

I know what it is for. And you will find a way to lose it in the casino.

Even though it is physically impossible to do that yes you are probably right i will find the one way to do that.

[captrobey]

Well i am on vacation but i saw i just passed $100000 for the trip so that is good and i still have an app pending. I still need a bit more for the $30000 for the trip though i have to get that to make the trip. I am at $74000 in sales there so far .

[Big Bear]

give us an up date

[captrobey]

give us an up date

Sorry i just saw this i think i mentioned this in the other thread but unofficially i am there with the bonuses not added in . So i am unofficially at $127069 . Officially i am at $97314 . With the 2 bonuses that would put me over the $175000 i need altogether. And i should easily hit both of those. Possibly tomorrow i just be updated with all the people starting in November . I still have a couple people pending too plus until the end of the year. I just have it a bit harder because i have a lot more of the drug plans to review for all of my existing clients but i am trying to squeeze in one here and there.

[captrobey]

Ok i really wish i knew exactly where i was on this i still should make this. They have a total but i don't know if that is for the trip or even ones that do not count towards the trip. Like if you put a person from one Aetna to another or sell a Guaranteed Issue i do not think they count but i do not sell a lot like that. Unofficially i am at $127069 . But that may include what does not count towards the trip. I think maybe the official amount counts which is at $117754. Plus i have about $4300 that have not been added on that were accepted but don't start until Dec so those definitely go onto my total once Dec hits. Then i have some pending that i am hoping get accepted those would be another $4600 towards it if they get accepted . The ones pending should have a final decision soon i think if i get those that would be enough but i still need more i think in case a sale drops or something ends up not counting. This would absolutely suck if i end up missing the trip by like 1 sale.

[captrobey]

Funny i have $117754 in sales and i may get a trip out of it and i have not cracked the list of top 100 agents. That is for the nation but still .Have to wonder how close i am they do not show totals on them .