ADVANTAGE SCRIPT (Aged Internet) PITCH
LIVE TRANSFERS:
* Hello, @Customer.first name@? This is (Your Name) with WITH Agility
Health Care Group, I’M A LICENSED AGENT, HOW’S IT GOING TODAY!
Ok Great !!
INTRO FOR INBOUND ‘WHO THIS?’:
* Hello, (name)?* Hi this is (agent name) with WITH Agility Health Care
Group, thanks so much for calling me back! We’ve been trying to get ahold
of you because you qualify to update your medicare health plan!
INTRO FOR OUTBOUND
* Hello, @Customer.first name@? This is (Your Name) with WITH Agility
Health Care Group. Im calling because you qualify for updates to your health
plan! such as grocery, dental, utility, ect.
* * *I need to confirm your information on file. Are you still at 123 Main st.
in Medicareville? (Confirm Address). Ok, perfect. (confirming info)
*This call may be recorded or monitored for quality control and training purposes*(proffesional)
Its showing there's some upgrades available to plans in your area, so what
i'm going to do is see if theres anything I can ADD to what you're using
now, otherwise i'll just be updating the records for you, okay! (benefits aka
why)
Food card, dental plan ect
Do you know what type of plan you have now ?
(ADD CURRENT INSURANCE PLAN HERE) GREAT!!!!!!!! you’re probably using
the right plan now, However I do see some UPDATES that just came out in your
area, ill make sure its not anything I can add to what you're using now”(intent)
*So Typically these benefits are at 0 cost to you, I'm going to see if there's
anything I can add to increase the coverage you have now.(benefits)
**I can see every option available and My job is to help you find the highest
level of Medicare Coverage as well as ensure you’re not overpaying for
your prescriptions. (my job)
***Now, you may be in the very best plan in your area, so chances are
we won't need to change what you're using. What I'm going to do is see
if there's anything I can ADD to what you're using now that will increase
your CURRENT coverage.
Let me ask you a few basic questions to see if you’re eligible for
anything additional...
* * *QUALIFYING
1. I assume you currently have both Medicare Parts A & B,
correct?
2. Do you have a spouse on Medicare as well?
a. If ‘yes’: “is your spouse on the same plan as you?”
3. Are you getting your benefits from a Medicare Advantage,
Medicare Supplement Plan or a Plan through your Employer?
a. HAS ADVANTAGE
i. IF IT’S OEP - THEY QUALIFY - GET MEDICARE
CARD, CREATE ACCOUNT!
ii. Do you receive any kind of Extra Help for
prescription drugs or do you receive Medicaid?
iii. Do you pay more than $8.85 for any one
medication?
iv.*If the Medicare beneficiary is not receiving extra
help, ask if they have moved within the past 60
days.
1. ***IF YOU CAN’T CHANGE THEIR PLAN,
GO INTO MEDICARE.GOV MANUALLY AND
2.
3. Medicare.gov info
4.
FIND THEIR PLAN. REVIEW BENEFITS AND OFFER ANCILLARIES***
b. HAS SUPPLEMENT
i. Which letter Plan is it? (F, G, N etc)
ii. How long have you had the plan?
iii. What’s the monthly premium for the Plan?
iv. What Carrier is it through?
v. Who helped you with this plan?
PICKUP TO SUPP SWAP PITCH
c. HAS EMPLOYER PLAN
i. How much?
ii. Do you like it?
iii. Is your spouse also on the plan? (can she get
Medicare? Will your spouse be dropped if
changing?)
iv. **if they like their plan/plan is inexpensive, offer
ancillaries
1. How much is inpatient hospital stays on
beneficiary employer plan?
d. DOESN’T KNOW
i. Does your card say HMO or PPO on it? (if ‘yes’,
beneficiary has advantage plan)
ii. Do you use the same card at the doctor AND the
pharmacy? (If ‘yes’ = Advantage, if ‘no’ =
supplement)
iii. Do you have a monthly cost for your plan? (over
$80/month LIKELY a medicare supplement)
iv. Do you pay a copay when you see your primary or
specialist? (If ‘yes’, LIKELY has an advantage plan)
v. *IF YOU STILL CAN’T HELP THEM FIGURE OUT
WHAT THEY HAVE, GO INTO THEIR
MEDICARE.GOV ACCOUNT*
e. ORIGINAL MEDICARE ONLY
i. Is there a reason you didn’t take a Medigap plan or
advantage plan?
ii. Are you receiving any kind of extra help to lower the
cost of your medications? (if yes, beneficiary
qualifies for SEP)
iii. How is your health? (If in good health and can
afford = Supplement)
(PICKUP to ADVANTAGE SCRIPT (Aged Internet)
PITCH)
* * * Now we’re one of the few agencies that have been CERTIFIED by
Medicare to offer plans that have very little, or even Zero monthly costs.
We also work with all the Major Insurance companies. (building value)
So very simply put, we will look at all of your options in your area, and
based on your doctors, prescriptions, and any other medical needs. We will
get you the highest level of coverage, at the lowest out of pocket.….
which IS what you’re looking for, right?
GREAT! The next thing will be your medications, can you grab a list of the
Prescriptions you’re taking or the bottles if you have them?
PUT MEDS IN MEDICARE.GOV AND COMPARE MED ADVANTAGE
PLANS.
Okay, so based on your medication costs, it looks like _______ insurance
company’s HMO/PPO is going to give you the best deal on your
medications throughout the year.
(Go over medication costs)
(Go over doctor/specialist/emergency room co-pays)
Your inpatient hospitalization copay is $___ per day for ___ days. Now,
because the largest out of pocket cost that you could incur is your hospital
stays, most of my clients take a hospital indemnity plan to cover the gaps,
I'll go over that before were finished.
IF HMO
Because it’s an HMO, this means your doctors must be in network in order
for you to be covered. You will also need a referral to see a specialist. If
your doctor is not in the network, we’ll either must find another plan or
another doctor. (Check doctors)
IF PPO
Because it’s a PPO, this means you can go to any doctor, but if your doctor
is in the network, you will pay less. (Check doctors)
TRANSITION TO CLOSE
Okay, so given everything we discussed, NAME OF PLAN is going to be
the best overall value for you. Any other plan would just cost you more
money unnecessarily, make sense?
There’s no monthly premium, there’s no payment information required.
I just need to verify some basic information...
CLOSE
Would you like a middle initial on your ID cards or just your first and last
name?
1. And is this address ______ the best address for the insurance
company to have on file for you?
2. Best phone number?
3. Date of Birth?
4. A and B start date?
5. Medicare Number?
Now the next step is to complete a scope of appointment with the carrier.
This will be an automated system that records you giving us permission to
send you plan documents. (Refer to the carrier specific scope of
appointment process)
NEXT, I will send you the plan documents to your email and/or home
address which will include: 1. Explanation of Benefits 2. Plan Star Ratings
3. Summary of Benefits 4. Screenshots of your Drs. In network (if
applicable) 5. Screenshots of your drug-list ID from Medicare.gov (if
applicable)
FINALLY, I will complete the carrier enrollment process by simply
confirming all the data you have provided today. (Follow the carrier
specific enrollment process)
WRAP UP ALL CHANGES AND HARD TIE DOWN TO POST CLOSE
POST CLOSE IS MANDATORY!!!!
Now, Mr./Mrs.______, I’m glad we were able to help you get your Medicare
Supplement in order today. I just want to take a moment to explain the next
steps.
1. You should receive a hard copy of your insurance policy
and your insurance id cards in the mail in the next 10-14 days.
I’ll follow up with you in 14 days to make sure you received
them, this way I can answer any other questions that may arise
between now and then.
2. If you have any questions before I call you, or if you have
any friends or family that may need my help, I can be reached
at toll free: XXX-XXX-XXXX ext. XXXX. Thank you so much for
your time today as well as giving me a chance to earn your
business. Have a wonderful day!
AFTER SALE IS DONE, ADD FRIES TO THEIR ORDER.
2ND SALE CLOSES
ANCILLARY SALE
- Oh by the way, I see YOU’RE ALSO ELIGIBLE to add additional
benefits to cover your hospital out of pocket for on average a dollar
a day. Would you like to add this to your plan??
- Oh by the way, I see you HAVE AN OPTION to add dental &
vision for $?? Monthly. Would you like to add this to your plan??
- Oh by the way, I see you QUALIFY to add a $10K benefit for
cancer for on average a dollar a day. Would you like to take
advantage of this??
