MEDICARE INBOUND SCRIPT

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Hello ___________, it is nice to meet you. My name is ________________ and I

am a certified Medicare health plan agent with Saving Options and Solutions. My agent number is (NPN#) and I am licensed in the state of _____ (or say multiple states if you have multiple states) to explain plans to people and help them enroll if they are interested. 

Basically, I am here for you. I will explain how Medicare works, what it will cover and what it won’t cover, and I will let you know about all the benefits you are entitled to. I will answer all your questions, and I will give you my phone number so that if you ever have any questions, you can just call me directly. Together, we will find a plan that meets your needs and is affordable.

My expertise is making Medicare easy to understand. How does that sound?

DURING AEP (OCT 15-DEC 7TH):

Right now, is the Annual Election Period. It is the time of year where you can make any change you want. If we find a plan that covers your doctors and Medications

(Give them some information about you, how long you have been helping people, weather etc. Just connect....)

Such as: I have continued helping folks with Medicare for ____ years, I never charge a fee and

in fact the insurance plan of your choosing will actually pay me a fee to help you with your important decision and all year round. This gives you peace of mind knowing you may contact me or my office at any time or just yearly for your Medicare review. This will help you enjoy your retirement without added worry... 

How does that sound?

Understanding Medicare can be challenging for most everyone, so gathering all, or as much information before the final decision is probably the most important thing you can do in regard to choosing the right plan. This is where I help. 

So I can better know your current situation and what direction to go: 

What zip code and county do you live in?

What do you currently have for a Medicare plans?

How much do you pay per month?

Do you currently have Medicare Part A? What about Part B? What dates are they

effective?

I have your Year of birth of ______ and your Month of Birth ______________. Is

that correct?

Thank you for this information

There are two types of plans you can sign up for when you get on Medicare. 

It is either a Medicare Supplement Plan called a Medigap plan or an advantage plan.

If you want to find out about Medicare advantage plans and Prescription drug plans then I need to do a scope of appointment. Every agent that helps folks with Advantage plans and prescription Part D plans has to have this Scope of Appointment signed. Do you want to talk about Medicare advantage plans and prescription part D plans?

IF Yes: send the scope to their email or text or both. Once they sign and you get the

confirmation then continue to talk about all the plans.

(For Agent: Use Medicare Center to look up plans in that zip code. Check doctors and prescriptions. It is better to use the Companies doctor look ups to make sure it is more up to date.)

Eventually, most folks go on Medicare and then they need to choose a plan to go along with it. Original Medicare, which has been around since the 1960’s, does not cover everything, so you get to choose if you want to add to your Original Medicare a Medicare Supplement plan and a stand alone Part D prescription plan or a Medicare Advantage plan, which comes with Part prescription coverage built in.

Let me give you an overview. Do you have a pen and paper to jot a few things down on? 

I can wait for you to get one.

Here is what I suggest you write down.

Medicare Part A. Hospital Insurance. Premium is zero if you or your spouse

worked 40 quarters during your lifetime.

Medicare Part B: Medical Insurance. The standard premium is $148.50/month.

This could be higher if you make more than 88k a year as a single or 176k a year

as a couple.

Medicare Part C: Medicare Advantage plans. These are plans designed by the

government but offered only by insurance companies. They combine hospital,

medical, drug coverage, and offer additional benefits like dental and vision and

gym memberships. 

You may have seen these advertised on TV. Have you seen

the Joe Namath commercials. Those are agents like me helping you with Medicare

plans. 

Medicare Part D. Prescription Drug plans. If you get a Medicare Advantage plan,

this would already be included in your plan. If you don’t get a Medicare Advantage plan, but choose to go with a Medicare Supplement plan, then you would also need to purchase a Prescription Drug plan. Premiums for these plans vary, but the average is about $30/month.

Draw a line all the way across your paper from left to right. Then, draw a line down the middle of your paper so it looks like a capital T. 

On one side will be the Medicare Advantage information. Write MA on one side. 

On the other side will be the Medicare Supplement information. Write MS on the other side. 

We will go through Medicare Advantage plans first.

MA:

On the MA side write premium equals zero. 

Most Medicare Advantage plans have no premium, and it depends upon the county you live in and which plan you choose.

Deductibles are next. On the MA side, write deductible equals zero. With most

Medicare Advantage plans, there is no medical deductible.

Co-pays and coinsurance. On the MA side write co-pays equals yes. With Medicare Advantage plans, you have co-pays or coinsurance for most services, like doctor office visits and hospital stays.

Network. On the MA side write network equals yes. With Medicare Advantage

plans you need to use doctors and hospitals that are in network. Most people

who have ever had a group plan at work are familiar with this because those plans

work the same way.

Extras. On the MA side write extras equals yes. Many Medicare Advantage

companies offer extra benefits that you can’t get when you have a Medicare

Supplement. These benefits vary by company, but some of them are dental,

vision, hearing and gym memberships.

Now let’s talk about Medicare Supplement plans. 

With Medicare Supplement plans, there is a premium. I will tell you what the cost is now. You need to know that the cost varies by company, and the plan you choose, and if you use tobacco,

and your zip code. Some companies offer a discount if you have someone living with you as well. Do you have anyone living with you? 

A typical plan based on those factors for you would be $_____/month, plus the cost of a drug plan. Does that sound reasonable for you? (If no, just continue to explain only MAPD plans)

Deductibles are next. On the MS side put deductible equals $245. With Medicare Supplements, the deductible is $245 for this year. 

Co-pays and coinsurance. On the MS side write no co-pays. With Medicare Supplements, you have no co-pays or coinsurance if you go with Plan G, which is the most common plan these days.

Network. On the MS side write network equals no. With Medicare Supplements,

there is no network. You can go to any doctor that accepts Medicare and have

coverage.

Extras. On the MS side write extras equals no. Prescription Drug Plan. On the MS side write average premium equals about $30/month. Drug coverage is not included in Medicare Supplement plans, so you have to buy them a separate stand alone part D plan. 

If you do not take a Part D prescription plan they hit you with a 1% penalty every month you do not have one. You are not assesses the penalty until you take out a plan D plan later on. The penalty ends up being about $4 dollars a year. The penalty would be added to any premium you have for the plan you have.

Here’s another way to think about it. On the MA side, write pay as you go. Most of these plans have no premium. You just pay each time you use it. 

On the Med Supp side write pre-pay. With Medicare Supplement plans, you pay your premium each month, and after your deductible of $203 is met, all your medically necessary expenses are paid by your plan.

So, based on this overview, which plan do you think will fit your situation better?

Medicare Advantage or Medicare Supplement?

(If Medicare Advantage) 

Most people tell me that since they take their medications every day, that is one of the most important things in their plan. I would like to show you a plan that will cover your medications, and at the same time give you the additional benefits you are entitled to. In order to do that, I will need to make sure your current list of medications are covered by the plan. Is that okay with you?

Great. I can help you.

(If open enrollment Medicare Supplement, do the enrollment.)

(If not open enrollment, then ask the health questions from the carrier you quoted to determine if they can health qualify. If so, then do the enrolment.)

If you want this plan it will start January 1st. 

(They will say yes or no or need to think about it)