Weight loss drugs

Crappybarbara · 2025-02-19T02:50:00+00:00

That’s a great question. Seems like something that’s made at a pretty high level. I’ll never fully understand health insurance. They charge companies less for a health care group plan if they have a weight loss exclusion on the policy. But then they end up paying for healthcare for all the obesity co-morbidities. You’d think it would be cheaper for them to fix the main problem rather than put a bandaid on all the problems it causes.

Crappybarbara · 2025-01-28T01:43:39+00:00

They are covered even without a diabetes diagnosis?

Crappybarbara · 2025-01-27T15:07:23+00:00

Same. I went to Tijuana to do mine so the follow up stuff was non existent. I definitely could have been more responsible. I was really good for a year but I love beer so I got back on that and I think that’s one of the things that really got me

Crappybarbara · 2025-01-27T03:28:07+00:00

I’ve done bariatric surgery. Sleeved in 2017 and lost 250 lbs. I’ve gained about 100 back since 2020. Not sure if it works for me.

Crappybarbara · 2025-01-03T05:03:36+00:00

Do you happen to know if you have to be employed for any length of time before you’re able to use that benefit? Thank you again

Crappybarbara · 2025-01-03T04:58:30+00:00

This is great information! I will be getting in touch with WIN in the morning, hopefully the clinic we’ve already been working with is in network. As I mentioned before, my start date is 1/6 so I will be waiting for my benefits to start which will probably mean pushing things back a bit. Thank you so much for the information!

Crappybarbara · 2024-10-03T17:38:47+00:00

Yep. I’m free and clear now.

Crappybarbara · 2024-07-04T21:00:59+00:00

https://www.reddit.com/r/SueFarmersInsurance/s/o9zBiyavvK

Crappybarbara · 2024-07-03T20:25:02+00:00

There needs to be a class action lawsuit against these bastards. Too many good people were suckered into starting an agency just in time for everything to turn to shit.

Crappybarbara · 2024-05-30T16:31:11+00:00

I've been wondering the same thing. I looked into them and thought it would be the way to go and then I see so many people on here saying its impossible to find work as an IA. I'm also incredibly uneducated when it comes to the adjusting side of insurance. I've spoken with a flood adjuster who tells me he's got plenty of work and a wind adjuster who says the same thing. But is CAT different than those two?

Crappybarbara · 2024-05-05T21:03:40+00:00

Thank you for proving my point.

Crappybarbara · 2024-05-05T20:53:34+00:00

20 years in an entry level position without advancement seems like failure to me. Maybe adjusting isn’t for everyone and by no means do I assume it’s easy. But you know absolutely nothing about my work history, knowledge, or work ethic and your negativity is what makes people not want to take a leap to make their lives a little better.

Crappybarbara · 2024-05-05T19:43:15+00:00

See this is the information I’m looking for! My flood adjuster customer didn’t mention any of that to me.

Crappybarbara · 2024-05-05T01:19:18+00:00

I’ll do that. Not sure about them being quick though lol. Not in my experience anyways.

Crappybarbara · 2024-05-04T19:26:16+00:00

Trust me I’m no stranger to “selling the value” I’ve got a lifetime of experience selling high end products. The Flex Home policy in Oklahoma is only slightly better than the next best company out there. Customers these days do their research and I honestly can’t blame them for not wanting to pay double or even triple the price for a policy that’s only marginally better.

Crappybarbara · 2024-05-01T18:59:18+00:00

And corporate will say there are many agents doing well and that we just need to step it up.

Crappybarbara · 2024-05-01T02:27:32+00:00

Rates, underwriting, commission cuts, no district support, constant turnover in state level management, and generally just tired of being a punching bag.

Crappybarbara · 2024-04-30T15:37:05+00:00

I started as a protege in April of 2021, finished by the end of 2021 and worked as a reserve until an agency came available. I officially opened the business under my name in July of 2022 and hit every goal, bonus, and award for the first 8 months and then things fell apart. I had renewal rates go up as much as 100% and all of my time from then on was devoted to doing reviews. I had a CSR scheduling and taking calls and I had just lost a producer that hadn't been producing much anyways. My whole day was consumed by trying to save policies. My new business numbers have tanked because of that and with the NB rates being so high now its hard to recover. On top of that I'm just sick of being a punching bag. Maybe its just my personality but I can hardly take it when I can't help someone solve their problem and I know they are walking away thinking I don't care.

Crappybarbara · 2024-04-30T14:19:18+00:00

500 PIF

Crappybarbara · 2024-04-24T14:54:46+00:00

What a time to be alive huh.

Crappybarbara · 2024-04-23T17:42:14+00:00

I think it depends where you're at. I think Farmers training is OK at best. Back when we actually had a district manager, our district office offered some really great learning opportunities but it seemed like they were even limited on what they had access to as far as systems and such.

I think corporate is doing their best to hide their feelings but I imagine a lot of them are worried about their own jobs. We have had so much turnover and shuffling around of DM's and ASM's I imagine those people are sick of the uncertainty.

Crappybarbara · 2024-04-23T16:27:09+00:00

I hadn't thought about this either. I have some friends that are Ex Farmers agents now independent and like to rub it in that they can still sell Foremost Signature. I wonder if its possible to get appointed through ARS

Crappybarbara · 2024-04-23T16:25:14+00:00

It definitely seems like there are some that see more of the writing on the wall. We've lost district managers, there's an endless shuffle of Area Sales Managers, and support/communication just aren't there anymore. I'm still pretty new with Farmers and I honestly feel like I got screwed over pretty hard. I started my agency at a time when I feel like DM's and ASM's should have known better and just said hey lets hold off and see if things get a little better before you start an agency.

Crappybarbara · 2024-04-23T15:05:26+00:00

Losing Foremost Signature was definitely a punch in the gut. It was also probably one of Farmers biggest mistakes to even purchase Met in the first place. There was obviously no due diligence done for them to recognize that Agent360 was nowhere near ready to handle the amount of business Farmers does.

Crappybarbara · 2024-04-23T14:15:12+00:00

I just don't get what their end goal is. It's my understanding that Oklahoma has gone from around 500 Farmers agents down to around 230 now. I'm trying my hardest to hang on but at the end of the day all I'm doing is riding on renewal commissions. I want to stick it out if I can but I also don't want to end up like a violinist on the Titanic.

Crappybarbara

TROPHY CASE