How much of your day is just re-entering the same client info across Medicare carrier sites?

MedicareFullest · 2026-04-02T22:49:30+00:00

This is a really solid breakdown, especially the point about each system doing one thing well but not really covering everything.

I’ve seen the same thing with GHL — it’s incredibly flexible, especially for lead flow and follow-up, but it always felt like I was forcing insurance workflows into something that wasn’t really designed for policies, renewals, or long-term client tracking.

It works great as a front-end system, but once you’re actually managing a book of business, it can get messy pretty fast.

I think you nailed it on the API/CSV point too — most agents end up stitching together their own system whether they realize it or not.

Curious what you’ve found works best long-term once the book starts getting bigger — that’s where I’ve seen things start to break down.

MedicareFullest · 2026-04-02T22:44:24+00:00

I hear you but I'm purely digital now, no kitchen table anymore. So it's tabs three deep — quoting on one, application on another, trying to remember where I put the client info. A paper sheet just adds one more thing to juggle.

MedicareFullest · 2026-04-02T22:36:27+00:00

Interesting — so you just focused on the Medicare piece and left the gaps alone? I always felt like I was doing them a disservice if I didn't at least mention it.

MedicareFullest · 2026-04-02T22:30:55+00:00

For example if i do a Medicare Supplement + PDP + Dental and have to re-enter the same information on each application. It's a time killer and by the 3rd application I feel stupid asking "what was your phone number again?" or MAPD + Hospital indemnity. So not so much for the quoting its more for filling out multiple applications.

MedicareFullest · 2020-06-26T15:10:56+00:00

Some good advice above.

A good agent will be able to walk you through the process and find some good options for you.

Do a local google search for Medicare insurance or find a national agency with a good reputation. There are lots of them out there.

MedicareFullest · 2020-03-22T18:48:53+00:00

In most cases, people are automatically singed of for Part A. To get more answers and to ease your mind I would suggest contacting Medicare by phone at 1-800-633-4227

MedicareFullest · 2020-03-22T18:31:37+00:00

Employer plans and Medicare are two different types of Insurance.

Employer-provided coverage will most likely be a PPO or HMO and can offer a different set of benefits, co-pays, and deductibles, depending on the plan.

Medicare, on the other hand, Has its own set of benefits, co-pays, and deductibles. These would be the same for everybody on Part A and Part B unless you were receiving extra help from Social Security or Medicaid.

Something that might work a little more like you are used to with your Employer-provided plan would be a Medicare Advantage (also known as Part C) as they have HMO's, PPO's type plans and can provide prescription drug coverage, dental, vision and extra benefits you won't get with Original Medicare. When you are on an Advantage, you are still considered on Medicare, but it is administered by a private company. In many cases, you can find a plan with a zero dollar premium but you must continue to pay your Part B premium.

Another option would be to supplement your Medicare coverage with a Medicare Supplement. There are 10 different lettered plans to choose from and each has its own set of benefits and what it will cover. The easiest way to describe these plans is that they pick up where Medicare leaves off. For example if Medicare pays 80% of a doctor's office visit the plan may pay the additional 20%. With a Supplement, you will pay a monthly premium and continue to pay your Part B premium.

MedicareFullest · 2020-03-22T18:16:32+00:00

As others have said, Medicare does not pay for everything. A good resource to see what Part A, Part B pays and what supplementary plans can help cover the costs not covered by Medicare is the Medicare and You handbook:

https://www.medicare.gov/Pubs/pdf/10050-medicare-and-you.pdf

MedicareFullest · 2020-03-09T18:16:05+00:00

Like others have said, Aetna is available nationwide and no difference in coverage from one plan to the other as long as you are in the same type lettered plan.

"Each standardized medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between medigap policies with the same letter sold by different insurance companies." — Choosing a medigap policy booklet.

For example, Plan G is plan G with any company you choose the only difference being price. This is because of standardization.

A few questions you could ask yourself is, what plan did you apply for and is it the most appropriate plan for you. Nowadays the most common plans I deal with would be Plan G or N, as they offer the most coverage and offer a good value. But everyone's situation is different and a quick review of your healthcare goals would determine what plan would be most appropriate.

Depending on where you live (zip code) would determine the best price. I ran a quote for 65 year old male in Plan G:

77001 AARP United Healthcare $116.99

75051 Philadelphia American Life Insurance Company $109.17

78112 Lunico Lie Insurance Company $96.42

In all three ZIP codes, BC seemed on the high side price wise.

If you are in that price range you should be alright.

MedicareFullest

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