TIDEWATER MANAGEMENT GROUP - RONNIE JAMES OUR FMO ABOUT TMG - - PowerPoint PPT Presentation

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TIDEWATER MANAGEMENT GROUP - RONNIE JAMES OUR FMO ABOUT TMG - - PowerPoint PPT Presentation

Feb 08, 2023 323 likes •857 views

TIDEWATER MANAGEMENT GROUP - RONNIE JAMES OUR FMO ABOUT TMG Tidewater Management Group strives to provide education, support, respect and sustainability to all of our agents. Our business is built on relationships with agents &

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TIDEWATER MANAGEMENT GROUP - RONNIE JAMES

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OUR FMO

ABOUT TMG

Tidewater Management Group strives to provide education, support, respect and sustainability to all of

  • ur agents. Our

business is built on relationships with agents & brokers with whom we are committed to achieving success in a professional and quality environment.

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OUR FMO

JUST A FEW REASONS TO PARTNER WITH TMG:

  • No Reduced Commissions
  • No Assignment of Commissions
  • Dedicated Licensed Agent Support
  • Free unbiased mobile CSG quoting tool
  • Lead Programs
  • Incentive Trips
  • Quarterly training meetings & seminars - no cost
  • Exclusive VIP Portal
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OUR FMO

TODAY’S MEETING AGENDA

  • Medicare Supplements
  • Medicare Prescription Drug Plans
  • Hospital Indemnity
  • Life Products
  • Cancer, Heart Attack & Stroke
  • Home Health Care Products
  • Dental, Vision & Hearing
  • 2017 Medicare Advantage Benefits
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MEDICARE SUPPLEMENTS INCREASE 4.2%!

Total premium for actively selling companies totaled approximately $2.2 billion in 2015

Total premium for actively selling companies totaled approximately $2.176 billion in 2014

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MEDICARE SUPPLEMENTS

PLAN F ACCOUNTS FOR MORE THAN 50% OF MEDICARE SUPPLEMENTS PLACED.

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MEDICARE SUPPLEMENTS

EXHIBIT F. PERCENTAGE OF SALES PREMIUM BY SOURCE

It is still beneficial to talk to people over 65 about Medicare Supplements. Underwritten supplements are 40%!!

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MEDICARE SUPPLEMENTS

TMG MEDICARE SUPPLEMENT CARRIERS

  • Aetna Senior Supplemental
  • Assurity
  • Bankers Fidelity
  • Central States Indemnity
  • Central States Indemnity Life
  • Cigna
  • Equitable Life
  • Everest Reinsurance Company
  • Guarantee Trust Life
  • Humana
  • Individual Assurance Company
  • LCBA
  • Manhattan Life
  • Medico
  • Mutual of Omaha
  • Oxford Life
  • Thrivent
  • Transamerica
  • United American
  • United Health Care
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MEDICARE SUPPLEMENTS

CSI

  • Plans A, B, F, G, N
  • 30 day free look
  • 12 month rate guarantee
  • Incentive Trip
  • A Rated Carrier
  • Not going up more than 3% over the next 3 years
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MEDICARE SUPPLEMENTS

BANKERS FIDELITY

  • A Rated Carrier
  • Incentive Trip
  • $50 bonus for every app written
  • 5 apps for 5 leads
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GUARANTEE TRUST LIFE

  • Plans A, F, G, N
  • Top 5 in Rates
  • Very Stable B++ Carrier
  • 7% Household Discount
  • Yes/No Application With a 3-4 Day Turnaround
  • Great GTL Products to Cross-sell

MEDICARE SUPPLEMENTS

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TOTAL MEDICARE SPENDING IN 2014 = $613.3 BILLION

13% Part D Spending 3% Part B Spending 84% Other Medicare Spending

IS MEDICARE PART D IMPORTANT?

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MEDICARE PRESCRIPTION DRUGS

SILVERSCRIPT

  • 2017 Plan designs are $0 deductible
  • More than 67,000 retail pharmacies in network
  • Some plans have gap coverage for Tier 1&2 drugs
  • eApplication starting with the 2017 AEP
  • New to Medicare $71 commission
  • Renewal / Rollover $36 commission
  • Annual certifications now available
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HOSPITAL INDEMNITY EVEN COVERS HIDDEN COSTS!

  • Prescription drug expenses
  • Experimental treatments
  • Lost time at work
  • Travel & Food
  • Lodging
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HOSPITAL INDEMNITY PLANS

GUARANTEE TRUST LIFE

  • Guaranteed issue from ages 641/2 to 651/2
  • Easy E-App and iPad app
  • Covers 24 Hour "Observation" Stays at 100%
  • Year round selling opportunity
  • Cash benefits paid directly to the insured
  • Commissions paid weekly
  • Cancer Rider (5 year look back)
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HOSPITAL INDEMNITY PLANS

AETNA

  • Guaranteed issue from ages 641/2 to 651/2
  • Easy E-App and iPad app
  • Covers 24 Hour "Observation" Stays at 100%
  • Year round selling opportunity
  • Cash benefits paid directly to the insured
  • Commissions paid weekly
  • Cancer Rider (5 year look back)
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LIFE INSURANCE… DO YOU BELIEVE?

Studies show that 1 out of 1 will die.

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LIFE INSURANCE

TMG LIFE INSURANCE CARRIERS

  • Aetna Senior Supplemental
  • American General
  • Assurity
  • Baltimore Life
  • Bankers Fidelity
  • Banner Life
  • Cincinnati Life
  • Equitable Life
  • Forethought
  • Foresters
  • Gerber
  • Great Western
  • Guarantee Trust Life
  • Kemper
  • Liberty Bankers Life
  • Medico
  • Mutual of Omaha
  • National Guardian Life
  • Oxford Life
  • Protective
  • Sagicor
  • Settlers Life
  • Standard Life and Casualty
  • Transamerica
  • United American
  • United Home Life
  • Washington National
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CANCER, HEART ATTACK & STROKE

15.5 MILLION

CANCER SURVIVORS IN AMERICA TODAY

36% OF THEM ARE BROKE

IN THE AMOUNT OF TIME IT TOOK YOU TO READ THIS SLIDE, SOMEONE NEW HAD A HEART ATTACK IN THE U.S. EVERY 34 SECONDS.

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CANCER HEART ATTACK AND STROKE

GUARANTEE TRUST LIFE

  • Issue from ages 18 to 90
  • Lump Sum Benefit (up to $75K)
  • Return of Premium Rider
  • $500 Per Year Skin Cancer Benefit (3 times)
  • $100 Wellness Benefit for Annual Physical Exam (per year)
  • Dental Vision Rider
  • Intensive Care Rider
  • Recurrence Benefit 100% after 5 years

BRAND NEW!

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HOME HEALTHCARE

The Fastest Growing Segment of the Healthcare Industry

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HOME HEALTHCARE

KEMPER

  • $150/day for home health
  • Paid directly to the insured
  • Medicare covers home health at 100%
  • Used any way the insured desires
  • Client can own 2 policies
  • Prescription Drug Reimbursement
  • Home Healthcare Aid Coverage
  • Only 2 Health Questions
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55.5 MILLION

In 2016 there are

Medicare beneficiaries.

By 2050 that number will rise to:

89 MILLION

MEDICARE ADVANTAGE

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MEDICARE ADVANTAGE

TOTAL MEDICARE PRIVATE HEALTH PLAN ENROLLMENT 1999-2016

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MEDICARE ADVANTAGE

SHARE OF MEDICARE BENEFICIARIES ENROLLED IN MEDICARE PRIVATE PLANS BY STATE, 2016

NC - 1.78M SC - 950K GA - 1.52M TN - 1.34M

Total Medicare Enrollees

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HumanaChoice (RPPO) (R5826-001)

Premium $86 MOOP In $6700 / OON $10,000 PCP IN $20 / OON 40% Specialist IN $50 / OON 30% Inpatient IN $325 Days 1-5 Inpatient OON 30% per admit RX Copay Tiers $7 / $17 / $47 / $95 / 29%

States of Alabama and Tennessee

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HumanaChoice (RPPO) (R5826-065)

Premium $0 MOOP IN $3400 / OON $10,000 PCP IN $10 / OON 30% Specialist IN $30 / OON 30% Inpatient IN IN $550 per admit / OON 30% per admit Inpatient OON RX Copay Tiers $4 / $17 / $47 / $100 / 27%

States of Alabama and Tennessee

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HumanaChoice (LPPO) (H6609-088)

Premium $60 MOOP In $6700 / OON $10,000 PCP IN $15 / OON 30% Specialist IN $45 / OON 30% Inpatient IN IN $285 Days 1-6 / OON 30% per admit Inpatient OON RX Copay Tiers

Memphis Metro Area

$7 / $17 / $47 / $97 / 25%

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Humana Gold Plus (H4461-004) (HMO)

Premium $45 MOOP $5,900 PCP $10 Specialist $30 Inpatient IN $0 per admit Inpatient OON RX Copay Tiers

East Tennessee

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Humana Gold Plus SNP-DE (HMO SNP) (H4461-022)

Premium $0 MOOP $6700 PCP 20% Specialist 20% Inpatient IN $475 Days 1-3 Inpatient OON RX Copay Tiers $0 / $4 / $47 / $100 / 28%

Greater Tennessee

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Humana Gold Plus (HMO) (H4461-025)

Premium $29 MOOP $6,700 PCP $10 Specialist $45 Inpatient IN $295 Days 1-6 Inpatient OON RX Copay Tiers $5 / $17 / $47 / $97 / 25%

Memphis Metro Area

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Humana Gold Plus (HMO) (H4461-029)

Premium $0 MOOP $6,700 PCP $15 Specialist $45 Inpatient IN $345 Days 1-5 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%

Nashville Metro Area

30% per admit

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Humana Gold Plus (HMO) (H4461-030-001)

Premium $108 MOOP $5,900 PCP $10 Specialist $40 Inpatient IN $0 per admit Inpatient OON RX Copay Tiers $5 / $17 / $47 / $97 / 29%

East Tennessee

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Humana Gold Plus (HMO) (H4461-030-002)

Premium $108 MOOP $6,100 PCP $10 Specialist $40 Inpatient IN $0 per admit Inpatient OON RX Copay Tiers $5 / $17 / $47 / $97 / 29%

East Tennessee

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Humana Gold Plus (HMO) (H4461-030-003)

Premium $120 MOOP $6,700 PCP $10 Specialist $40 Inpatient IN $200 Days 1-8 Inpatient OON RX Copay Tiers

East Tennessee

$5 / $17 / $47 / $97 / 29%

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Humana Gold Plus (HMO) (H4461-031-001)

Premium $39 MOOP $5,900 PCP $5 Specialist $40 Inpatient IN $245 Days 1-6 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 26%

East Tennessee

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Humana Gold Plus (HMO) (H4461-031-002)

Premium $43 MOOP $6,700 PCP $15 Specialist $40 Inpatient IN $275 Days 1-7 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 26%

East Tennessee

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Humana Gold Plus (HMO) (H4461-031-003)

Premium $45 MOOP $6,700 PCP $15 Specialist $40 Inpatient IN $345 Days 1-5 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 26%

East Tennessee

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HumanaChoice (LPPO) (H6609-089)

Premium $72 MOOP IN $6700 / OON $10,000 PCP IN $20 / OON 40% Specialist IN $45 / OON 40% Inpatient IN $345 Days 1-5 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%

Nashville Metro Area

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HumanaChoice (LPPO) (H6609-090)

Premium $72 MOOP IN $6700 / OON $10,000 PCP IN $20 / OON 30% Specialist IN $45 / OON 30% Inpatient IN IN $295 Days 1-6 / OON 30% per admit Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%

Chattanooga Metro Area

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HumanaChoice (LPPO) (H6609-091)

Premium $69 MOOP IN $6700 / OON $10,000 PCP IN $15 / OON 30% Specialist IN $40 / OON 30% Inpatient IN $250 Days 1-7 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 27%

Chattanooga Metro Area

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