Plan Advisors Blog
Tags: Agent Testimonial, Humana Medicare Agents, Bishop Marketing Agency, selling Medicare Advantage Plans, Humana Insurance, MAPD enrollment, PDP enrollments, Marketing Humana Medicare Plans, Medicare Annual Enrollment Period, Medicare options, certifications, Humana MAPD plan, Get to know Bishop Marketing Agency, Lance Hoeltke
As I have indicated in the past my wife and I went onto Part A and enrolled in Part B of Medicare this year. I started on May 1st and my wife February 1st. Just some background, the past eight years I have had a high deductible plan with Life Wise of Washington state. We had a $6000 family deductible plan and was paying about $700 per month the last year we had the plan. I had also enrolled in an HSA eight years ago as well so today the balance of my HSA account is over $50,000. As most of you know this fund can be used for co-pays for doctors visits as well as prescription drugs.
My wife and I both chose the $0 premium MA only PFFS plan available in Washington state. (My wife does take some prescription drugs so I enrolled her in Humana's WalMart standalone PDP, as I do not take any drugs, I chose not to enroll in a PDP.) This is a Medicare look alike plan meaning I am responsible for the Part A hospital deductible and 20% of the Part B outpatient expenses, however, there is no Part B deductible, I pay 20% from the first dollar of charges.
I have used this plan three times so far, twice at the ophthalmologists and once at the dermatologists. I could not be happier with how the plan works. First of all, I am not paying for my healthcare in advance in the form of a premium. Not for a high deductible plan like I did before going onto Medicare or for a traditional Medicare supplement. I am only paying for 20% of the Medicare approved charge and that is a lot less the than the $8400 in premium I paid for Pat and I last year. If I had chosen a traditional Plan F my premium would have been around $200 per month for me and $200 for Pat or about $4800 per year.
I have my annual physical scheduled for the fist week of August with the doctor I have had the past several years. In past her office accepted Life Wise. Before going onto Medicare I called my doctors office to explain I was planning on enrolling in Humana's MA only PFFS plan. The office manager explained they did not officially accept Humana but as I was currently a patient, the office would accept Humana's terms and conditions and bill them directly so I could continue to keep my current doctor.
So far I could not be happier with the choices I have made. I now go to the downtown YMCA using Silver Sneakers and no longer pay $55 per month to OZ fitness. The best part is on October 15th I can look at all the options available for 2014 and make a new choice if I find a better option with no pre-existing conditions or waiting periods. The new choices today really are a win win situation for Medicare beneficiaries like me.
Tags: Humana Medicare Plans, Agent Testimonial, MGA Testimonial, Bishop Marketing Agency, Humana, Medicare supplement plans, selling Medicare Advantage Plans, ICEP, Medicare choices, Medicare Health Plans, PDP enrollment, Medicare Annual Enrollment Period, Medicare options, seniors choose Medicare Advantage, Medicare Advantage growth
Earlier this week I read that our country’s spending on health care has been at historic lows for a third straight year. The conclusion was formed by comparing health spending growth rates to the overall growth of the economy, reasoning that it’s easier to keep up with the costs if the two are aligned, than if health spending surges ahead.
Tags: Agent Testimonial, Bishop Marketing Agency, selling Medicare Advantage Plans, Medicare choices, MAPD enrollment, MAPD and PDP membership, medicare, Health Reform Bill, Medicare legislation, MAPD, Medicare Health Plans, Medicare Advantage, Humana’s Medicare health plans, Medicare options, seniors choose Medicare Advantage, Medicare Advantage growth, Medicare Modernization Act, Medicare Beneficiaries, Get to know Bishop Marketing Agency, selling Medicare products, CMS
If Larry cannot help with the situation, he immediately contacts the person or appropriate department that can help with the producer’s situation. Larry Bishop is dependable even when he is out of the office. Also, he knows Humana and understands all the plans that would help our clients. There is a benefit to being contracted through an agency who values the agents and understands the products.
We would strongly recommend Bishop Marketing Agency and Larry Bishop.”
April, LUTCF, CSA, LTCP, CIC
Whether the change involves premiums, benefits, network, or administration, he never fails to keep everyone updated. He also makes sure everyone stays on top of their recertification requirements at the appropriate times. If you are looking for someone who is suggestive, a great problem solver, and ready to help at all times, Larry Bishop is your guy.”
Kim, Missoula MT
Brent, Logan UT
We receive every type of information in a timely manner and well in advance of deadlines of which there are many. It is a truly a pleasure to work with Larry and his team.”
Ceri, Sterling CO
He is a great intermediary to Humana (the mothership as he calls it). I wouldn't hesitate to recommend him and his team to anyone considering a relationship with Humana.”
“Both Humana and myself have had a long working relationship with Larry Bishop and Medicare Enrollment Advisors. I have always found Larry to be a trusted source of information and insights and he is truly committed to bringing quality product and processes to his agents and their respective customers. Larry can be counted on to bring constructive feedback to the table and does a tremendous job of offering solutions to the carrier that puts his agents and their clients in a favorable situation. The level of commitment and service that Larry provides his agents is of the highest standard and he does so keeping a close pulse on changing dynamics within the Medicare landscape. Larry and the team at Medicare Enrollment Advisors are engaged professionals that we are very pleased to have as Humana Partners.”
“I have been working with Larry Bishop for the last eight plus years. I highly recommend him to others as an FMO. Over my years in this business, what I have learned is that most FMOs are only interested in talking with you as they get you assigned under them. After that, you are lucky to hear from them again as they tend not to return calls. Their interest is in recruiting, not retention.
Larry has been very helpful and supportive over the years. He does return calls and takes a genuine interest in my success. Larry has been very good about communicating changes or new rulings of the Humana plans that he represents, making sure I have the tools to do my business. There have been times when he could get me the packets I needed faster than I could obtain them from customer service in the peak of the season. On one occasion I was sent three boxes of the wrong plans for my counties; he paid the postage to have them sent to him so he could distribute them to others in need. I consider Larry to be one of the best in the business.”