Newtown Sq, PA -- (SBWIRE) -- 11/11/2019 -- Many Americans think that the original Medicare is enough to get by, but it may not be enough.

Many older Americans feel that Medicare is a one-stop health insurance solution for their medical care, but the reality today is that with rising health care expenses and people living longer, Medicare just does not cover everything. Moreover, the number of Americans retiring daily has doubled since 2000, and approximately 10,000 people turn 65 every single day. Within the next 10 years, that number is expected to increase to 12,000 people turning 65 every day. By 2030 all baby boomers are going to be over the age of 65.

While Medicare covers things such as medical tests, stays in hospital and doctor visits, there is a lot more that it does not cover. Additionally the out-of-pocket expenses can be staggering. For example, Medicare only covers roughly 80 percent of outpatient costs. The gap then needs to be filled by supplemental coverage. Put another way, older Americans are likely going to need more than just the basic Medicare to make sure all of their medical needs are covered.

The most common supplemental plans are Medicare Part A and Part B. However, Medicare Part A and B cannot be the only coverage seniors have. These plans do not offer coverage for essentials like hearing aids, dentures, prescriptions or glasses. The second issue is the fact that original Medicare's out-of-pocket expenditures have no cap, so the 20 percent share of outpatient costs in Part B can be very pricey.

In an effort to cover more care needed by seniors is for them to try other alternatives such as Medicare Part C (Medicare Advantage) and also add Part D, prescription drug coverage. Overall, the best approach for a senior is to choose a Part C Medicare Advantage Plan or choose original Medicare plus Part D or choose Medicare supplement insurance (Medigap). Medigap does not offer coverage for prescriptions, vision, dental or hearing aids. One other possible option is to sign up for Medicaid to partner it with Medicare.

"The changing Medicare/Medicaid landscape can be frightening for seniors and those about to turn 65. I would actively encourage those needing Medicare to do the research, ask questions, shop with a list of must have items and carefully choose what they feel would work the best for them," stated Clelland Green, RHU, CEO benepath.com

Any Medicare insurance agent knows all of the ins and outs of Medicare and is subsequently in a good position to be able to help older Americans get what they need at a budget that works for them.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 10/14/2019 -- Health insurance agents looking for solid Medicare supplement leads can go about this in two different ways: direct mail leads and leads purchased from a lead generation company. There are actually more ways to source leads, but these are the two most common ones.

Understanding how each of the various leads works and what to expect in terms of conversions is important in making the most of each category.

The most traditional method of generating leads is the tried and true direct mail campaign. This method has been around for years and still works, although social media platforms have put a crimp in its effectiveness. Direct mail is precisely what it sounds like – bundles of cards sent to mailboxes in a particular target area of a city, town or state. Those interested in Medicare supplements simply reply to the card with updated contact information. "You follow up, do due diligence and convert the lead," said Clelland Green, RHU, CEO https://www.benepath.net benepath.net.

In the digital age however, it is less likely though that contacts receiving direct mail are going to take the time to read the information, fill out a card and mail it back. Most even partially computer savvy seniors use the Internet to search for health insurance options and prices. These are the potential customers that lead generation companies find for you.

Internet supplement leads are a bit different than direct mail campaigns as an agent gets access to Medicare prospects just about instantly. Leads can be tailored to the agent's geographic area or other parameters and can be delivered in real time, daily, weekly or whatever is specified when the leads are ordered.

"They can be shared leads or exclusive leads and the agent ordering them from a lead generation company needs to know the difference between shared and exclusive leads," added Green. "Shared means you and about 7 other agents are all working the same leads. Exclusive means exclusive only to you and you do not have competition." Lead generation companies such as benepath.net also stand by their leads.

Not sure what route to use when sourcing leads? Try several and see what pans out the best in terms of response rate and conversions. Choose the one what works well and move forward to refine it.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 10/10/2019 -- Medicare supplement leads need to be fresh to be worked with any degree of confidence. That is to say that the fresher the lead, the better, and no other insurance agents have been calling the lead.

The key to fresh leads is getting them when they have not been chewed up by other agents and offer the opportunity to make a sale. In fact, the fresher the leads (think live or real time) the better the chance to sell a policy. While it is true that older leads or shared leads are less expensive, agents end up spending time and money trying to make a sale to a cold list. It is certainly not the agent that gets ahead financially in that scenario.

"The best Medicare supplement leads are those that are pre-vetted, pre-screened, are asking for information, come in real time and only come to "you," pointed out Benepath.net CEO, Clelland Green. While they do cost more than shared leads or cold leads, they tend to pay off handsomely in conversions if worked with due diligence.

Due diligence involves calling a lead more than just the once rather than giving up on them after the first call. Giving up and not calling again is as good as throwing money out the window. Just adopt the position that just because someone is not interested in buying a policy "now," does not mean they would not buy one in the future. Keep in touch without being a nuisance. "Also, realize that some people you talk to are never going to buy. You'll know that pretty soon. Move on," advised Green.

For agents that get really stuck on calling leads and feel they have tapped out all their luck trying to get a sale, cycle the lead around the office. A different agent may just make a sale. It happens that way sometimes. It is always best to know when to hold them and when to fold them and know when to walk away when a lead just does not seem to be interested in what you are selling.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 10/01/2019 -- Benepath, a well established lead generation company in Newtown Square, PA has announced they are set to launch their new product line for exclusive commercial insurance leads later this month. They have excelled in producing group health leads for the past 10 years and now they get to utilize their expertise in lead generation to bring quality commercial insurance leads to agents all over the country. Getting more than just a name and a phone number, they ask all the up front questions along with extra information like census data and current insurance status so we can connect the right agent to the right consumer. These extra details ensure the highest production and growth for your business. "We are in the business of generating exclusive leads that work, and our new product line of commercial insurance is just the latest way Benepath assists agents in providing companies with the coverage they require," said Clelland Green, CEO of Benepath.

Benepath differs from other lead generation companies because they manage 100% of their own marketing. They don't resell leads or utilize a 3rd party to purchase leads. All leads are generated by utilizing search, content, and social. The leads are sent in real time directly to the agent and each agent receives their own customized thank you page so the consumer can see your information including your picture, your logo and brief description about you or your agency and in some cases can view quotes.

Benepath offers more than just leads. In addition to receiving the best leads possible, agents who use Benepath are given better tools, more guidance and extensive sales training. This includes free webinar training sessions, personalized customer service, and a high-tech sales portal equipped with everything agents need to maximize sales.

About Benepath
Benepath is a digital marketing agency specializing in generating leads for insurance agents all across the country.

To learn more, visit https://www.benepath.net

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 09/24/2019 -- Medicare has become a popular place for scammers and fraud artists. The latest scheme offers free DNA testing through a target's health insurance.

The DNA test scam emerged in South Carolina recently. It offers a free test service under the auspices of a beneficiary's Medicare coverage. The Department of Consumer Affairs in South Carolina has issued a warning, but this scam could quickly spread to other states.

Scammers not only attempt calling seniors, but they have also started to show up at health fairs, community centers, churches, home health agencies and senior housing facilities. Scammers suggest Medicare offers free health screenings with an included genetic test. The scammer tells the individual that they need to provide a name and contact information, give a cheek swab, and Medicare information.

When Medicare identification is shared with a scam artist, they use the information, either to issue fraudulent bills or for identity theft. It is not uncommon for the scammer to rack up thousands of dollars of services not covered by Medicare.

"The best way to avoid being scammed is never to share your Medicare benefit information with anyone. Medicare does not go to health fairs or other places to offer their services," added Clelland Green, RHU, CEO benepath.com.

Worthwhile tips to avoid being scammed are:

- Under no circumstances consent to any lab tests.

- Never give anyone personal information unless they are genuine healthcare providers.

- Never provide anyone health plan numbers, banking information or social security numbers.

- Be suspicious of anyone stating cancer screening/genetic tests are free.

- Any tests must be ordered by a doctor and be medically necessary.

- When in doubt, call the Medicare fraud line at (877) 772-3379.

- Always monitor your Medicare summary notices that arrive every three months to check for any suspicious activity.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 08/19/2019 -- For newly minted health insurance agents the next step is to get appointed to sell policies through major health insurance companies in their state. This can be a daunting process. Read on for tips on how to navigate through this process.

Being contracted to sell policies for large health insurance companies is one of the more significant steps a new agent may take to get an agency up and running and to grow it. As with every step taken to build a business, there can be a few pitfalls to watch out for while setting up.

"You can certainly contract some of the bigger insurance companies directly, but may not be able to get an advance on commissions and would have limited support for underwriting and plan training. It's your choice what route to take but make sure you check all options," suggested Clelland Green, RHU, CEO benepath.net. It is also a good idea to talk about support for underwriting issues as there are going to be times when it is needed.

The top consideration is whether or not the company offers top commissions. A number of companies offer commissions plus proper training and support. Agents looking to contract with insurance carriers need to find out whether commissions are offered or if there is a commission reduction. "Make certain to inquire about any parameters regarding releases," added Green.

Once an agent signs an appointment contract, they cannot move that appointment to another agency without a signed release. The only way to work around that situation is to not do business with those carriers for six months – a situation that could cause some serious issues for an agent.

To consolidate the number of carriers and companies an agent may work with, it is best to check out if the carrier of choice offers contracts/appointments through all the national carriers such as Humana, Aetna, Assurant, etc. The reason for that is if they only provide a limited number of contracts, the agent then needs to spend more time and effort to track down another agency to handle the rest of the carriers.

In general, it is best to check out everything offered, all the exclusions and inclusions, the training programs and support, and how extensive a carrier's offerings are. Knowing what an agent is signing up for avoids surprises later if an issue arrives.

Lastly, agents need to ensure that they own their block of business right from the very beginning of any contractual relationship. It is critical to get this in writing. A block of business refers to a group of policies, distinguishing it from a line of business. It may also refer to a particular group of policies issued under the same plan in a given year.

Check the contracts for wording referring to one to two years to vest or for a non-compete clause. An agent who owns their block of business will be able to leave with the clients they have worked with, allowing the agent to continue to earn rewards. If such a clause does not exist in the contract, suggest that it be added.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 07/17/2019 -- According to the American Association for Medicare Supplement Insurance (AAMSI), 2019 may be a very good year for selling Medicare Supplement insurance. It appears the increase in the number of people in Medicare and buying supplemental insurance began in 2018.

The AAMSI conducted a survey recently that received responses from over 300 health insurance agents. Roughly 64.1 percent of those responding indicated increased/higher sales of Medigap in 2018. One in four agents (27.2 percent) indicated sales were about the same as 2017 and 8.7 percent of responding agents suggested they had a lower level of sales.

As part of the survey experience, the AAMSI asked respondents to predict 2019 sales as compared to sales in 2018. Almost 69 percent indicated they were more optimistic that Medigap sales would be much higher. "It makes sense that sales would likely be higher," suggested Clelland Green, RHU, CEO benepath.com, "as just about 11,000 Americans are celebrating their 65th birthday every day." It is a good time to sell Medicare Supplement and Medicare Advantage products.

While selling health insurance in an uncertain market can be an uphill battle, overall the optimism for the future remains, driving the market into an advantageous position for not just insurance agents, but also Americans needing health insurance.

In a fast-paced insurance market in a rocky political climate, prices can be competitive. However, often there are other benefits to be had when it comes to the inclusions in policies. "It pays to shop around to find the right health insurance policy," added Green. "Particularly if you also do some initial research to determine what you need and want before you start searching."

Here is a list of what an insurance broker should be doing to help existing and potential clients navigate the complexities of Medicare:

- Work with a client by looking at whether or not the existing coverage remains the best option in terms of cost and coverage

- Opt to review all plans available to an individual even if the broker does not represent all insurers in an area

- A Medicare beneficiary has 24 Advantage Plans to choose from which can be confusing without a broker's help

With plans changing every year and new ones available in many locations, there could be a better choice out there in terms of cost and coverage. It takes time for seniors to find a perfect fit for them.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 06/13/2019 -- Buying health insurance can be confusing, but it does not need to be. Spend time doing research and get all the information needed to make an informed purchasing decision.

The toughest part about buying health insurance is finding a reasonably priced policy for all household members. In spite of that difficulty, it is vital to have health insurance in place. It is true, however, that health insurance policies are not easy to understand. Often, it is difficult to know what each policy covers. Asking a qualified and knowledgeable insurance agent or broker can clear up any difficulties relating to policy rules and coverage.

"It is also more than possible to find a reasonably priced health insurance policy for a family," added Clelland Green, RHU, CEO benepath.com, "Those policies are out there. Putting in some research to find what you need is the best way to get something that suits your budget." There are competitive rates to be found for just about any type of policy, and some policies may even be offered with discounts or other benefits. It takes some time and research to find a policy that works best for a family.

When searching online for family health insurance, start first by making a list of all the things that need to be included in a policy. Green adds, "Make a list of questions that you want answered, because chances are that you may not find all the answers online and you'll end up calling an experienced agent for further information." In order to get as much information as possible, visit a number of websites and ask for quotes. Usually three to five quotes give a potential buyer a good idea of the range of prices offered in the marketplace.

It is also a good idea to do some general online reading in regards to the types of health insurance available for a family. The health insurance industry is always updating and changing existing policies, so it is a good idea to compare them before ultimately buying a policy. Ask friends and family members to find out what insurance they may have purchased. Understand that no one insurance policy is going to be applicable to everyone, however, asking around provides a good idea of what policies are available and how they are priced.

When in doubt, reach out and connect with an experienced health insurance agent or broker to answer any questions about policies, what they include and do not include, what the premiums are and to find out if they have recommendations to reduce premiums where possible.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 05/21/2019 -- Fruitful, insurance sales are the result of thoughtful and knowledgeable agents. Most successful agents and agencies know their product inside and out. Failure demonstrate knowledge means a potential loss of leads and clients.

Sale success is directly related to an agencies and their agents' ability to know the "do's" and "don'ts" of the industry. First and foremost, agencies and their agents need to have the correct insurance license and errors and omissions insurance. Not following the rules of the business will not lead to a successful agency.

Along with the knowledge of sales techniques and tactics, there is a pressing need to know what you are selling. "If you do not know your product, potential clients are going to know that, and that hampers your ability to sell insurance if you are not credible," explained Clelland Green, RHU, CEO, benepath.net "And that means, you need to understand Medicare inside out if that is what you are going to sell."

If an insurance agent is going to attempt to sell Medicare plans without understanding how it works, sale is going to be an uphill battle. To sell Medicare plans is to know Medicare plans. In other words, that means comprehending Parts A and B and any further supplements. In addition, a good insurance agent, prior to selling Medicare, is going to read the book titled "Medicare and You."

For a new and more experienced agents, it is important to talk with an experienced agent who has been selling Medicare plans for years. This offers new agents and the more seasoned ones a chance to understand what the hands on experience of selling these kinds of policies is going to offer. "However, the most important point is 'know thy product intimately," added Green "and do due diligence when selling."

Lastly, when an agent is just getting started and choosing what products they want to sell, they need to create a plan. Most will want to attempt to get as many appointments as possible, especially for selling Medicare. However, it is important to limit appointment numbers at the beginning. Start with two different companies that offer Medicare Advantage and Medicare supplement plans. It is not a good idea to get too overwhelmed in the beginning. Begin slowly, get the experience and then add more policies and companies.

"Be persistent and work with a plan to sell your best products and once you have it all lined up and working, success is right around the corner," said Green.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 04/09/2019 -- No one is going to suggest that selling insurance is a snap. However, successful selling does mean having a process to follow.

Selling insurance and doing well at it involves a process that begins by targeting a potential client, either through self-sourced leads or as a result of buying leads from a lead generation company, and following up in an appropriate manner right through to the sale. "Having a process to approach your sales goals means having a step-by-step approach that always works for you," said Clelland Green, RHU, CEO benepath.net.

One of the most important steps in the process is preparation. This involves getting to know as much as possible about the needs of the person or family that is interested in buying health insurance. Make detailed noted about what products may suit their needs and be prepared with some possible quotes before an appointment. The more an agent knows about a prospective client, the greater the rapport and the greater the rapport, the higher the chances of a sale.

Try to always meet a possible client on their turf because sitting down with someone to talk insurance needs is a very personal way to conduct business. It allows the other parties to get to know you, hear what you have to say, listen closely and ask immediate questions. Also, remember to ask if they have existing policies and whether or not they are open to having those reviewed. "The process of comparing and contrasting policies is often very effective," added Green.

Walking into a pre-determined meeting according to a schedule is good etiquette, but there needs to be more to the meeting than just sitting down and opening a folder with insurance information in it. All meetings, whether formal or informal, need an agenda to follow to keep discussions on track.

The most important item on that agenda is also discussing and discovering what the individuals needs and priorities are when it comes to insurance. "Listen closely and you'll discover a wealth of information that can help you choose a policy that may suit a potential client's needs and budget," Green said.

Selling insurance can be a very rewarding career and if there is a process followed to make sales consistently, the chances of success are even greater.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 03/20/2019 -- Many seniors consider Medicare to be confusing and hard to understand. Moreover, insurance companies make understanding Medicare policies harder with numerous letters and notifications. Insurance jargon is difficult to decipher.

In a new report from VisibleThread, a text analysis company, it was revealed that information created for most Medicare Advantage and Medicare beneficiaries does meet accessibility standards for the average reader. In other words, 86 percent of insurers offering Medicare products send beneficiaries documents that do not meet the federal guidelines in the Plain Writing Act (2010) for clear, understandable communications.

The Plain Writing Act was passed on October 13, 2010 and it mandates that all federal agencies use clear communications that the public can understand and use to assist them in easily finding what they need.

"Put another way, the Act ensures all government communications use plain, clear language, defined as being at or below a 6th grade reading level," explained Clelland Green, RHU, CEO benepath.com, a company that prides itself on using straightforward language to explain insurance. Currently, roughly 90 percent of documents checked by VisibleThread fall between a 6.2 and 10.6 grade reading level.

U.S. national statistics from 2003 indicate that over 50 percent of Medicare recipients, 65-years-of-age and over, are at or below the basic reading level and over 33 percent of the illiterate population in the nation is over the age of 65, a figure that represents roughly 10.6 million seniors. Much of the written literature received from health insurance companies is too complex for this portion of the population. Approximately two-thirds of printed information sent to Medicare beneficiaries is more difficult to comprehend than Herman Melville's Moby Dick and only slightly less complicated and complex than the Harvard Law Review.

Difficulty reading and comprehending health insurance information has an enormous impact on beneficiaries who lose trust in the industry, and go somewhere else to get better service and an explanation of what plan would work for them. Lack of trust also means that attracting and retaining new customers becomes much more challenging and expensive for the insurer.

"If you plan to market Medicare, make sure the information says what it needs to say clearly, precisely and as simply as possible," said Green. "The reward for taking the time to communicate clearly and effectively is more customer conversions."

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 01/10/2019 -- Lead generation company Benepath is pleased to announce its new product line of exclusive commercial insurance leads, connecting agents throughout the United States with businesses wanting coverage.

Benepath's commercial leads provide exceptional benefits to both small businesses and insurance agents. Businesses looking to purchase coverage will be given the opportunity to work with companies and browse plans they usually would not have access to, making it more likely they will secure the right policy for their needs and budget. Agents will gain exposure with small businesses wishing to buy commercial insurance at an affordable price. This new product line expands Benepath's commercial offerings as the lead generation company already delivers one-to-one matches for small businesses searching for group health insurance and the agents who sell the plans.

"We are in the business of generating exclusive leads that work, and our new product line of commercial insurance is just the latest way Benepath assists agents in providing companies with the coverage they require," said Clelland Green, president of Benepath.

Agents can connect with small business owners looking for commercial insurance and deliver the protection employers need most, whether that involves a workers' compensation, business owners policy, general liability, professional liability or cyber liability plan.

Benepath provides real-time, exclusive leads to insurance agents and agencies across the country. Relying on feedback from its agents, Benepath utilizes its digital marketing expertise to bid on keywords in search engines that attract business owners looking for insurance. After obtaining a lead's information, Benepath sends the details to one agent who is licensed to sell commercial insurance, orchestrating a one-to-one connection. Benepath also creates a customized thank you page that lets business owners see the agent they will they hear from, which makes them less likely to look elsewhere for a quote and allows the agent to prepare before contacting the lead.

Benepath does not just offer leads to agents and then let them figure it out on their own. In addition to receiving the best leads available, agents who use Benepath are given better tools, more guidance, unsurpassed sales training and techniques from the most successful agents in the industry.

About Benepath
Benepath is a digital marketing agency specializing in generating leads for insurance agents all across the country.

To learn more, visit https://www.benepath.net

Press Contact:
Cassandra Love
Benepath
CLove@benepath.net
https://www.benepath.net

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 12/06/2018 -- Jason Feinberg interviews Benepath President Clelland Green & Vice President Jim Pennewill on Health Insurance

Newtown Square, Pennsylvania: On December 8, at 4 p.m., Benepath, an insurance quote and lead generation company, will be featured on Spotlight Television. Spotlight Television is a national television show, airing on the Fox Business Channel as sponsored content, which reaches the business audience in over 50 million homes, and conducts one-on-one interviews with business leaders and innovators. Benepath has been chosen to be featured on the show to discuss insurance, what their company offers and how they stand out from competitors.

Benepath offers an array of insurance products. The company provides services to people looking for insurance, as well as services to insurance agents looking for leads. Www.ez.insure is the flagship website for people looking to get health insurance, Medicare supplement, life insurance, group health insurance, and/or commercial insurance quotes and plans, as well as an information hub for all health and insurance news. Agents looking for completely exclusive leads, can visit www.benepath.net.

Benepath prides themselves on their ability to provide one-on-one service to their customers with a local agent who is educated in the most up-to-date information in their area. This way the customer does not have to be passed around agents. Consumers get their own agent to discuss their needs and budget with, and that same agent will provide them with quotes and sign them up without a fee. Vice President Jim Pennewill states, "The primary distinction from competitors is really the one to one connection between the consumer shopping for insurance, and the insurance agent or agency that can provide that insurance coverage. The quotes people will see are customized to the territory they are in and their age."

Benepath also prides itself on is the protection of their customer's identity. President Clelland Green states that customers should be very careful because "most of the websites that are out there are looking to collect your information and sell it to telemarketing organizations, insurance companies with large call centers and multiple agents. Unlike us, we just make a one-to-one connection, and you will not get harassed."

Deciding which insurance and plan is best for you and your family is an important decision. It takes a lot of research, and time. There are professional agents who can do all the research for you, and provide you with quotes. Benepath offers access to these agents to their customers. They offer their services efficiently, with protection of identity, and free of charge.

About Benepath
Benepath is based in Newtown Square, Pennsylvania and was founded in 2004. They are a digital marketing agency specializing in generating leads for insurance agents all across the country. Benepath offers a wide variety of health insurance plans that meets the needs of individuals, families and businesses. It continues to successfully grow around the country, and with the help of their dedicated and diligent employees, we can expect to hear a lot more about Benepath.

To learn more about Benepath, visit http://www.benepath.net

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 11/16/2018 -- People on Medicare will be able to chose from 24 plans during the yearly Medicare open enrollment period.

In 2019, 2,734 Medicare Advantage Plans are available for general enrollment, nationally, this is more than any year since 2009. Along with the increase in plans offered, 14 new insurers are entering the field for the first time and five are leaving. With the latest increase in insurers, there are 200 insurers offering Medicare Advantage plans for 2019. "Currently, Medicare Advantage enrollment is over 20 million, more than doubling in the last ten years," says Clelland Green, RHU, CEO, benepath.com.

Additionally, for Medicare Part D, there will be 27 stand-alone choices, an addition of four new plans. Although this is an increase in drug plan offerings, it has not yet reached the 2007 peak of 56 plans. The total number of drug plans offered for 2019 is 901, a good indicator of greater availability of choice for beneficiaries.

"Pay close attention to the new offerings and compare them with what you have now," added Green. "You are likely to see a small increase in monthly premiums if you choose to stay in your current plan, with premiums going up to $41.21 from $40.57."

Even with a modest increase in premiums, Medicare Advantage beneficiaries are still getting a much wider choice of plans for not that much more. While the choices have greatly expanded, it is likely most seniors are contemplating buying a plan based on budget constraints.

Part D beneficiaries are facing modest cost-sharing expenses for generic drugs in 2019. However, there are much higher cost-sharing prices for non-preferred drugs and brand name drugs.

"If you take the time to do some research and talk to an insurance agent, you are going to get a good deal at a good price," stated Green. "It's always best to check out your options as frequently as you can, as these days, the health insurance industry is changing rapidly."

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 10/23/2018 -- Medicare coverage can be tricky to navigate, especially when spouses turn 65 at different times. Age difference will not make a difference in Medicare coverage as long as all deadlines are met and spouses enroll during their Initial Enrollment Period.

When choosing Medicare coverage it is important to consider the following:

Medicare Eligibility
If both spouses were covered by the same health insurance prior to retirement, then they will be eligible for Medicare once each spouse turns 65 years old.

"There are a number of things that you need to know when getting Medicare coverage," indicated Clelland Green, RHU, CEO, benepath.com "and the first thing is that Medicare eligibility is important and needs to be done on time. Additionally, do not wait and enroll late, as you may face late enrollment penalties."

Three months before an individual turns 65, information is sent about enrolling in Medicare. If the person receiving that packet worked in the United States for a decade, then they paid Medicare taxes. That usually means automatic enrollment in Medicare Part A at $0 premium. If an individual wishes to enroll in other parts of Medicare, they need to do so at the time they enroll.

Spousal Coverage
If a spouse worked in the United State for 10 years, they and their spouse will receive Medicare Part A premium-free. In other words, spousal coverage should be the same, meaning both will qualify for the same parts.

There are a few exceptions to this situation, especially when spouses are different ages.

Age Gaps
"Just be aware that if there is an age difference between spouses registering for Medicare may be problematic," added Green. Usually the biggest issue arises when one spouse turns 65 before their spouse. It may result in one spouse needing to get additional coverage before they may enroll in Medicare.

Losing Coverage After Retirement
It is possible for one spouse to lose coverage after the other spouse retires. If the spouse that was working and receiving insurance via an employer retires, they will leave the spouse without health insurance. This is known as the "gap," a period of time before the younger spouse turns 65. In that time, that spouse will need a form of coverage from a private insurer.

Supplement Medicare Plans
Once both of the spouses are enrolled in Medicare, that might be the time to consider supplemental Medicare plans. Medicare does not cover all medical expenses.

Prior to enrolling in Medicare, it is important to talk and plan for retirement. Planning is crucial in order for the process to go as smoothly as possible.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 09/26/2018 -- Online insurance marketing can become a whole new adventure with the use of videos. Videos are trending because they are easy to watch, they capture the moment and send a solid visual message.

"If you are not using videos to market your insurance agency, you are missing out on garnering a whole lot of leads. "Video marketing is taking off in the age of social media," explained Clelland Green, RHU, CEO benepath.net.

The first thing to do when using videos online is to keep potential customer's attention, keep it short. In fact, less than three minutes is about right. As an alternative, there are also online services, such as Slide.ly that even offer an insurance agent a way to create their own already to roll video content in seconds and they are about 15 to 30 seconds long. Videos are a great way to get new customers when they are fresh, appealing and to the point– which makes them memorable. It is top of the mind marketing at its very best.

"When making videos, do not hold back marketing yourself, as that is part of relationship marketing that helps you sell insurance," added Green. "Be yourself and let viewers see they can trust you to take care of their insurance needs." Being authentic is the best video marketing strategy.

Depending on the reason for the video, such as getting customers to subscribe to a newsletter or drop by the office to pick up a free booklet on Medicare plans, there needs to be a call to action to get the viewer to act.

Closing a deal, no matter what deal is in the making, is largely dependent on the credibility of the agent. This is why relationship marketing is a big deal. If potential customers relate to the agent, feel the agent is authentic, personable and trustworthy the relationship customers have has already begun before a sale is made or a deal is done. Put another way, an agent's reputation precedes them when they connect with customers online in a way that forms bonds and trust.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 08/28/2018 -- Marketing to the right people is the key to success when selling insurance. Marketing the right kind of insurance to those same individuals also boosts the rate of conversion.

One of the first tips for selling insurance is to market to the right people. While some experts say that marketing to everyone is the best approach, the truth is even large markets must be approached the right way. Not all markets are equal, and finding and identifying potential clients is an important part of smart insurance marketing.

"You wouldn't market Medicare insurance to someone in their early 20s or 30s and you wouldn't market small business group insurance to a large corporation," Clelland Green, RHU, CEO benepath.net explained. "Knowing your market and product in advance permits you to choose who to market to before you buy the right kinds of targeted leads from a reputable lead generation company."

The target of a marketing campaign is a crucial part to the success of an insurance agent. The target of a marketing campaign is a designated group of potential customers that an agent wants to sell a product to, such as Medicare supplements. In order to get the right types of leads, pre-qualified, pre-screened and culled according to the agent's request, the agent must be clear about what leads they want. For instance, the agent must specify they want a certain geographic area, a particular age range, the type of lead (shared versus exclusive), real time versus cold leads and so forth.

What constitutes a high-quality lead? There are a number of characteristics that make a lead high-quality, and the top four characteristics are:

A prime high-quality lead has all the information an insurance agent needs
A high-quality lead is ready to talk and ready to buy immediately
A high-quality lead is one that is not a shared lead
A valuable high-quality lead is also live and transferred to an agent immediately

Selling insurance is a challenge, and when an agent can take advantage of high-quality leads purchased directly from a reputable lead generation company, such as benepath.net, selling is suddenly a whole lot easier. Growing an agency becomes an attainable goal by using the best leads — leads that have a high rate of conversion.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 08/24/2018 -- Running an insurance agency without a steady stream of customers is an impossible feat. It is best for all insurance agencies to invest in marketing strategies that encourage lead generation.

To make certain there is always a continuous flow of customers, agents need to have a well thought out marketing plan. Most agents want to be successful, but not all take the time to plan marketing strategies. "That means developing a marketing plan and sticking to it," said Clelland Green, RHU, CEO of benepath.net. "If you do not have a plan, make the time to get one together. It makes marketing a whole lot easier."

Part of a good marketing plan is ensuring that its components will help grow one's agency and generate leads in the best and most efficient way. To check if that a marketing plan is working, agents will have to test each stage of their marketing plan. While the plan may seem appropriate, it still needs to be tested, continuously. Examining how users, or potential leads, respond to various marketing strategies helps point out what is working and what is not. Testing means checking ad copy, website content, news releases, headlines and incentives. It takes some work, but the payoffs can be terrific.

"When it comes to testing, don't test everything all at once," added Green. "If you are going to make a change, only make one change at a time, otherwise you will not know what change was the thing that worked." When testing, consider these areas:

Headlines
Newspaper ads
Various offers
Different response forms
Different guarantees
Different pictures
Different slogans
Various ad layouts
Various YouTube offerings

Once the right marketing combination has been determined, use targeted marketing on the understanding that determining what is working to market products is an ongoing process to achieve successful agency growth. In other words, a marketing plan is not just done once. It needs to be tweaked over time.

How does an insurance agent use targeted marketing? Here are some of the areas that may make sense for an agent to focus on:

Demographics – occupation, age, marital status, sex, income etc.

Spending habits

Psychographics or psychological attributes – customer wants, behavior, goals, needs, shopping patterns and values

"There is no need to reinvent the wheel when it comes to finding information for a targeted marketing campaign," Green pointed out. "Instead, make use of information that is at your fingertips first, such as from local newspapers, the library, Better Business Bureau and the Chamber of Commerce."

Everything insurance agents need to market an agency is right at hand. With dedication and determination a marketing campaign can convert many new customers.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 06/22/2018 -- Can an insurance agent offer guarantees? The answer is yes, good marketing should involve some guarantees. However, guarantees should never involve coverage or policies.

"Instead, insurance agents can brand themselves in a good way by providing something of value that a customer really wants, in addition to the product being sold," said Clelland Green, RHU, CEO benepath.net. "It's about separating yourself from the crowd and offering guarantees the competition does not offer."

The guarantee can be something as simple as always returning a phone call the same day when a customer has a question or issue. It could be as important as guaranteeing to review existing coverage to make certain the customer has the right policies in place and to identify if they do not have what they need and want. Guaranteeing a status update on a claim is something most clients would certainly appreciate as well. It is also important to be able to guarantee to customers that licensed professionals are handling their insurance needs. Once a guarantee has been determined, it needs to be used as a positioning statement that makes the agent and agency stand out from the competition.

"Of course there are other ways to attract customers," added Green, "not the least of which is being approachable, knowledgeable, courteous and personable. Selling insurance is as much about the agent's personality as it is about the actual policy. If an agent can build a rapport and trust with a customer, chances are that person converts to a loyal, long-time customer."

Other tips to enhance insurance marketing are:

Ensure relevant content marketing is aimed at all customers – potential, existing and new buyers
Enthusiastically employ social media to grow the business
Monitor online reviews to spot any trouble areas and immediately remedy any issues
Make sure the company brand is consistent on and offline with up-to-date information
Get mobile and have a mobile responsive website
Cull your data regularly to remove bad contacts
Automate the agency insurance marketing on social media platforms

Insurance marketing is all about making connections and maintaining them. It is about knowing the industry and policies inside out. It is about helping customers choose what truly fits their lifestyles and budgets. It is about making a difference to a family that needed advice about what insurance would work for them and they got the right information at the right time from the best agent invested in ensuring their welfare and protection was covered.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 05/04/2018 -- Effective and successful insurance marketing can prove to be difficult for many agents. However, it does not have to be so.

To build a thriving insurance sales agency insurance agents need to learn and understand that even though selling insurance can be lucrative, it is not an industry where results are instant. Often, to get results an agent has to work on developing both their marketing strategy and interpersonal skills.

"If you're going into the insurance business, what is your mindset? Are you ready to just jump in and achieve your goals? Do you know what your goals are? Are you willing to learn while you earn? Work hard? Chase leads and follow them up?" asked Clelland Green, RHU, CEO benepath.net. "If you do not have the mindset of an entrepreneur, the going can get tough."

Another tip for an insurance agent is having confidence in e-commerce. Have confidence in the product you are selling, the process and the skills needed to sell, the end result, and the customer service you provide. Without confidence in the product you sell, how can potential customers be converted to buying customers?

"And that leads me to another tip," added Green. "Know your products and your company. Do your homework on the products you sell, know precisely how the products work and what they cover and do not cover. Put another way, be the insurance expert that customers turn to for help to make informed purchases."

Following up leads, choosing the right kinds of leads, doing something every day to move toward growing a financially stable insurance agency means the agent must be consistent and have discipline. An agent must constantly be on top of their products, understand any changes, know how to explain those changes to clients and potential customers.

"One final tip is respect the competition, which may sound odd, but it's important for an insurance agency to not only know the competition, but respect them. You never know when there may come a time when you or they need help," said Green. Being in business and being competitive does not mean disrespecting others who also sell insurance. "These like-minded people may well have tips and tactics that you can learn to enhance your own business and vice versa."

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 04/06/2018 -- Generally, four key elements are necessary for an agent or broker to start and grow a successful insurance agency. Smart marketing, sincere relationship building, extensive knowledge and passion about insurance, and customer service.

"The first hint or tip is common sense, but sometimes that needs to be spelled out anyway," says Clelland Green, RHU, CEO benepath.net. "First of all, you need to be an expert in your field before you can even begin to position yourself."

Being an expert in the insurance industry does not mean just having an in depth knowledge of the product. An agent will also have to have passion. Selling insurance is often less about the policy and more about the experience for the customer. Therefore, having a developed understanding of customers' behavior, their wants, desires, needs and motivation for obtaining insurance will be helpful in building and establishing a customer base.

Customer service and outreach is vital. For most, cold calling is the preferred path of getting leads. "If cold calling is an anathema, then purchase exclusive only to you leads generated by a reputable lead generation company, such as benepath.net," says Green. "Exclusive leads are solely exclusive to the purchasing agent — period. That means he or she is calling a lead that wants insurance or insurance information." Regardless of the way an agent gathers leads, it is important to maintain outstanding customer service. Sincere relationship building with potential customers will develop into a trusting customer base.

Smart marketing is very important for any insurance agency. While the internet can help grow an insurance business remember that it is not enough to just have a website. Content and how it is organized on your agency's website is important. "Never forget that you need to work on your writing skills to draw people's attention," said Green, "and if you don't know how to write, hire it out. It's too important to not get it right." Remember to maintain and update the site and conduct tests to examine how users interact with it. User interaction can explain why you are not getting as many leads as you want.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 02/27/2018 -- The core values and outlook of an agency and its agents, are the key to successfully marketing insurance.

While some agents come to the insurance industry with an aptitude for selling, this is not the case for everyone. Prospective agents need both strategic and interpersonal training. "Much of the training is directed at the agent for themselves," Clelland Green, RHU, CEO of benepath.net explains. "By that I mean the agent has to work just as hard on themselves to be able to succeed. That also means working harder on themselves than on the business at times."

Products do not sell themselves, rather the agent selling them has enormous influence on that potential transaction. Thus, to grow a successful insurance agency, agents need to also work on personal growth. It is all about attitude.

Without a doubt, people looking to buy insurance are looking for the best product, but it is not just about the product. Attitude is the primary foundation for an insurance agent to be successful in the business. An agency may have the best rated customer service and the best insurance policies on the market, but if an agent does not take the time to master personal development the insurance policies will not sell. However, if an agent has spent the time in personal development their approach to marketing and dealing with leads will result in sales.

"In other words, it is not just about systems, tools and training. It is about the core values, integrity and the personal attitude of the agent. No personality. No sales. No drive to win and achieve the best for others. No sales," said Green. The inner personal work done by an agent polishes the external work resulting in conversions and success.

An agent's personal development is important to succeed. The key to developing a thriving insurance agency is through the agent's ability to both master knowledge given by external training and the internal, personal training. To really be successful in the insurance industry, agents need to master both themselves and the sales process. The time taken and the investment in personal growth will lay a foundation for a strong and prosperous agency.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 12/18/2017 -- Medicare follows the recommended guidelines laid out by the U.S. Centers for Disease Control (CDC), which state that people should get their annual flu vaccination. Medicare Part B covers 100 percent of a flu shot so long as a provider participating in Medicare offers the injection.

Statistics show that while flu seasons vary in strain and intensity, most individuals 65-years old and older are at a higher risk of developing a severe case of the flu and at greater risk of experiencing serious complications.

An estimated 71 percent to 85 percent of yearly flu-related deaths have occurred in those age 65 and older. Additionally, roughly 54 to 70 percent of those hospitalized for flu symptoms are also in the same age range.

"The flu, also referred to as influenza, is extremely serious and may lead to a victim being hospitalized. The victim may recover or may even die. It's difficult to tell how a particular strain of flu is going to affect someone, as every year the flu manifests itself in different forms," says Clelland Green, RHU, CEO benepath.com.

Millions fall victim to the flu and according to the CDC thousands die yearly from flu-related causes. In the United States, flu season may start as early as October and last until May, which is why the CDC and Medicare recommend Americans on Medicare (and others) get their yearly flu shot. The more people vaccinated, the smaller the spread of the disease.

Complications from the flu may include:

Sinus infections
Ear infections
Heart inflammation
Inflammation of the brain
Muscle inflammation
Pneumonia
Multiple organ failure
Exacerbation of existing conditions such as: heart disease or asthma

For the 2017-2018 U.S. flu season the CDC is recommending the use of injectable flu vaccines, which include recombinant flu vaccines and inactivated flu vaccines. The nasal spray flu vaccine (live attenuated), should not be used. Trivalent (containing three components) and quadrivalent (containing four components) vaccines are available this year.

For further information on the kinds of flu shots available this year, visit the CDC website at: https://www.cdc.gov/flu/protect/keyfacts.htm.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 09/20/2017 -- People on Medicare, have always been able to supplement their Medicare benefits with Medigap plans. The most popular Medigap plan is Medigap Plan F because it covers all gaps in Medicare and leaves beneficiaries $0 out of pocket. This may change soon as the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) is slated to pass Congress.

Due to MACRA Congress is eliminating Medigap plans that cover the Part B deductible, such as Plan C and Plan F. Higher income individuals will see premiums increase as well.

"If you aren't certain what is going on with your Plan F coverage is you are due to renew, make sure to speak with an experienced health insurance agent or broker to find out the latest information that may affect you," said Clelland Green, RHU, CEO benepath.com.

The reason why Congress is planning to eliminate Plan F is because it offers just about 100 percent coverage. Medicare covers 80 percent of outpatient needs and Plan F covers Part A and B deductibles, including the other 20 percent. Beneficiaries have no co-pays, not even for a doctor's visits. "Plan C is similar, however it does not cover Medicare excess charges," explained Green.

Congress is of the opinion that those with Plan F and Plan C over burden the health care system by going to see medical professionals more often than perhaps necessary. Accordingly, they feel if beneficiaries were instead responsible for paying their own Part B deductible, they may not go to see a doctor as often for minor things.

Industry observers suggest that getting rid of Plan F may result in some people not seeking medical care, leading to more hardship later and that without early diagnosis, Medicare would be paying out more for health care.

"What you need to know is that the proposed changes, should they be passed into law, only affect new enrollees after January 1, 2020. That means those currently on Plan F are able to retain their plan for the long-term," added Green. Beneficiaries would also be able to shop for better prices for another insurance company's Plan F policy at a later date.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 08/23/2017 -- Some seniors across America received their new Medicare cards in the mail and were surprised to see the supposed "new" ID number is the same as their Social Security number (SSN) — a practice that the government was supposed to halt.

The removal of the SSN from the Medicare cards will be a gradual process. Removing SSNs from 58 million cards is bound to take some time. However, the new cards are scheduled to arrive in the mail in April 2018 from the Centers for Medicare and Medicaid Services. The process of completely removing the SSNs is likely to take until December 2019.

"The intention of this program is to randomly produce an 11-character Medicare Beneficiary Identifier (MBI) that replaces a beneficiary's SSN. Just because you are issued with a new number, does not mean your Medicare benefits are going to change. They will not," said Clelland Green, RHU, CEO benepath.com.

All new cards sent out beginning in 2018 are slated to arrive with an explanation of how to use the new card and what to do with the old Medicare card. The instant a beneficiary receives a new Medicare card it may be used. "That said," pointed out Green, "there is going to be a transition period in 2018 and 2019 when recipients may use the old card or the new one."

Although there may be some initial confusion it is likely the program is going to be implemented slowly and cautiously, with as few errors as possible. Medicare beneficiaries may look forward to receiving their new cards in 2018 and be assured that they will have a far smaller chance of experiencing identity theft with the new MBI numbers.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm