| OBJECTIONS | UNDERWRITING | PREMIER ADVANTAGE | Common Presentation objections | CLOSE ME |
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What is I'm actually self-employed. My state license makes me your one-stop-shop since I'm able to shop all of your options public and private. Were you looking for yourself or for your family?
“What company are you with?”
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What is
What is your height + weight? How long have you been on the medication for? How many medications? Any changes in dosage? Are you a smoker?
Prospect says they have high blood pressure. What follow up questions do you ask?
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What is if a child steps up for more than one month the adult has to use MOP, if it's less than a month the adult can keep MOP/
What happens if a child has to step up to premier med?
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What is So the plan does offer up to $6k in benefits for the delivery but in my opinion that is not enough just in case something goes wrong, so if you do get pregnant please call me! First, because I want to congratulate you :) ! Second, so I can help you either get on..
Conditional Medicaid, which is insurance only for your pregnancy, so you can use that to supplement this plan. OR, we can just switch you over to an Obamacare plan for the duration of your pregnancy, 31 days after the baby is born you both can hop back on this policy! Okay?
What do you say if they object about maternity care?
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What is
How to transition from healthsherpa to our plan?
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What is Okay! Just so you know I am one out of only a couple thousand agents that have access to the $0 deductible nationwide PPO plans in your area. These plans also have no copays. Did your agent present you with this option?
“I have an agent helping me already”
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What is one time fill?
Prospect is super healthy. The only medication they’ve been prescribed in the last 12 months is Hydrocodone following a dental procedure last month.
What needs to be addressed regarding the pain med? |
What is For Prescriptions it is $10 towards generic, $40 towards brand name. I would recommend using goodrx.com.
How are my prescriptions covered?
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What is the insurance company only does this so individuals don't get the plan only to get their yearly routine things done and then cancel after one month.
Why is there a waiting period for preventative?
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What is
How to transition from the product to the close?
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What is Okay, were you made aware of the limitations of that plan before you signed up for it?
Limitations: 1) No true max out of pocket, so you have no financial stop loss if you make a major medical claim 2) They re-evaluate your medical history at the time of your claims and will deny claims for pre-existing conditions. 3) They have no preventative care- so your yearly physicals, blood work, colonoscopies, mammograms, none of those yearly routine checkups are covered.
“I’m taken care of, I just signed up for National General yesterday”
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What is decline
Prospect is looking for himself and his 17 year old son. He takes no medications and his son only takes Xanax as needed for mild and controlled anxiety. He gets the medication through his primary care physician.
Standard or Decline? Why/why not? |
What is
no step up rider
What are the biggest difference between Premier Choice and Premier Advantage?
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What is The insurance company asks for this before the approval because, in order to approve you for the plan, they hire the verifiers to call you, as well as the underwriters to underwrite you. So they need this to confirm you have a valid way to pay for the premiums if they do hire both teams to approve you for the plan!
If they object to giving you routing and account?
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What is
Can send me an email?
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What is HI! I think we got disconnect, in order for me to stop the calls I need to know the situation, was anyone able to help you?
Prospect just hung up on you and you call them back 2x and they answer the second time…
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What is
1. Sleep Apnea 2. High Blood Pressure 3. Asthma
Give 3 examples of when smoking is a decline?
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What is
1. $75 no surgical benefits 2. $100, up to $4k of outpatient surgical benefits 3. $100, up to $8k inpatient and outpatient surgical benefits
What are the benefit differences between plan levels?
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What is Absolutely, I email all of my clients, but first I do want to make sure you I can get you approved. Does the price work? Does this coverage check all your boxes?
Can you send me an email?
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What is
1. Have you applied for life insurance recently? 2. Who was you previous insurance carrier?
What is the 2 questions to ask to avoid MIB hits!
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What is IM SO GLAD YOU ARE HAPPY, are you on that plan because you're taking a lot of medications or because you have major pre existing conditions?
“I’m happy with the marketplace plan I have, thanks.”
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What is
Secure Advantage or leave dad on MP and flip family
Family of 5:
Mom has hypothyroidism Dad has HBP diagnosed september 2021 3 kids, 17 year old son takes ADHD medication Paying $1400 on marketplace What are you going to advise them to do. |
What is
$9000 individual / $27,000 family $3000 individual / $9000 family (stops count after 3 people)
Max out of pocket for out of network?
Max out of pocket for in-network? |
What is
Why does that say short term medical?
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What is
They are only the underwriters who are also a unitedhealthcare company?
How do you explain who the verifiers are if they say "Why is freedom life calling me? You said this was United Healthcare?"
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