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Medicare is a health insurance program from the US federal government, for people 65 or older and for some younger individuals with disabilities or health conditions.
NOTE: If the caller mentions they have a POA (Power of Attorney) - Proceed with the call. No need to ask for documentation; take the customer's word if they mentioned they have POA.
MEDICARE PARTS
PART A - (Hospital Insurance)
In-patient care in hospitals
Skilled nursing facility care
Hospice care
Home health care
PART B - (Medical Insurance)
Services from doctors and other health care providers
Out-patient care
Home health care
Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
PART D - (Drug Coverage)
The cost of prescription drugs (including many recommended shots or vaccines). Plans that offer Medicare drug coverage (Part D) are ran by private insurance companies that follow rules set by Medicare.
TYPES OF MEDICARE COVERAGE
Our buyers can provide a quote for Medicare Advantage Plan and Medicare Supplement only.
Medicare Advantage Plan is a bundled plan for low to no income buyers. If the customer answered YES to the web form question: Do you have Medicaid, receive extra help on your medications or have a low income subsidy? an additional question will appear on the web form asking if they’re interested in receiving a quote for a Medicare Advantage Plan. If the customer answered NO to the said web form question, they will receive a quote for Medical Supplement.
Important Reminder: If the customer immediately answers after just mentioning Medicaid (in the web form question stated above), make sure to ask the rest of the question as this will determine the type of quote they will receive.
ADDITIONAL INSTRUCTIONS
Open Enrollment
Open enrollment season/period is a window of time that happens once a year; typically runs from October 15 through December 7.
Flex and Grocery Card
Flex and/or Grocery card are feature benefits of the Medicare Advantage Plan. You can continue verifying the customer if they inquire about it. You can say: That's a great question for the Licensed Agent. Let me just finish up and I’ll get you transferred right over, okay?
$6,500 (or any amount) Subsidy / Free Money / Rebate
Are you interested in getting a Medicare insurance quote?
If YES: Proceed as usual.
If NO: I'm sorry, I don't have information regarding this so I'm not able to assist you. Please disregard this call. Have a nice day.
DISPOSITION: NOT QUALIFIED
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