What To Expect From Your California Medicare Supplement Agent

The Baby Boomer generation is a hotly sought after market and has been for some time now. Perhaps you’ve marketed a few items to this generation. Maybe you’ve had some success. However, if you are trying to market to Baby Boomers you need to narrow your age group. Why? Because the generally accepted time frame of this demographic is someone born between 1946 and 1964. That is one wide range of ages to target!

If I click on a website that uses the general term “boomer” in their marketing vernacular, and the products they sell are anti-aging creams and serums, which age group are they targeting? In my 40’s I may have bought up every anti-aging cream on the market, but folks in their 60’s may be not as interested in anti-aging lotions and more interested in moisture and sun protection.

If you have no health issues, you may not need a plan that covers every possible health care cost, as you get for example with a medicare supp leads Plan F or Plan J. You may be content with lesser coverage, such as you get with a Plan A for example.

AARP is one of the biggest facilitators of insurance in America – and will continue to grow as the baby boomers reach their senior years. Don’t think for a moment that AARP supports themselves from the meager $12.50 yearly fee collected from seniors. That would probably not even cover the cost of the slick cover magazine, their newspaper quality bulletin and the TV ads and the lobbyist and other general cost. So where does all this money come from? Endorsements – and not just ads in their media outlets. Government grants?

For agents and brokers selling either medicare supplements or LTCI take the time to do this internet search. Check out H.R. 6331, the “Medicare Improvements for Patients and Providers Act of 2008.” Much of it affects sales practices from 2009 and forward.

Don’t want to switch because you are satisfied with your coverage? This is a common concern. The fact is that supplement plans are standardized by the federal government. An “F” supplement with ABC Insurance Company is the exact same as an “F” supplement with XYZ Insurance Company. The benefits are exactly the same, but the cost will vary from company to company. If you switch from like plan to like plan, your coverage will not change and you do not have to worry if your doctor will accept your plan as long as they accept Medicare.

If you’re lost somewhere between the Parts and the Plans, make it a point to call an expert health insurance agent. They will be able to sort the whole mess out for you in no time flat.