Insurance Business Babes

Your PDP clients need a plan review this AEP, but what if you can't (or don't want to) do every one yourself? Joanna and Kathe sit down with Melinda Caughill of HeyMOE, a Part D plan comparison tool built to help Medicare beneficiaries review their drug plans with confidence. Melinda breaks down how agents can point clients to a self-serve option without losing the relationship. In this episode: - What "HeyMOE" actually stands for - How clients use HeyMOE and why it catches errors [Medicare.gov](http://medicare.gov/) doesn't- Drug entry flags: levothyroxine tablets vs. capsules, metformin combos, OTC drugs, and Part B drugs - Brand vs. generic toggles and seeing real-time savings - Why comparing 20 local pharmacies can save clients hundreds - How the agent affiliate program and dashboard work - Client data privacy: does Hey Moe sell consumer data? > > Chapters > > 00:00 Intro: three PDP review options for your clients > > 02:30 Welcome, Melinda Caughill > > 03:18 What "HeyMOE" stands for > > 04:16 How HeyMOE works for clients > > 05:32 Signing up as an agent affiliate > > 08:09 How the affiliate fee works > > 09:48 Plan data and suppressed plans > > 11:45 Drug entry guardrails > > 18:37 2027 drug rules and biosimilars > > 19:51 GLP-1s and the bridge program > > 22:42 Part B drug flags > > 25:22 Viewing your clients' results > > 30:00 Pharmacy savings across 20 locations > > 35:20 Future pricing for current subscribers > > 39:38 Does HeyMOE sell client data? > > 42:00 Wrap-up Become a HeyMOE affiliate: https://certifiedmedicareagents.com/heymoe Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. #InsuranceBusinessBabes #MedicareAgent #MedicareSeminars #InsuranceMarketing #AgentLife Host: Joanna Wyckoff and Kathe Kline Guest: Melinda Caughill Insurance Business Babes is owned by Cmed LLC.

How do you fill a movie theater with 100 Medicare prospects without paying for it all yourself? Steve Pomerantz and his team, Paula and Rachel, join Joanna to break down their sold-out "Medicare and a Movie" seminar. They had 130 RSVPs and about 100 people in the seats. They cover how they picked the movie, how they split the cost with a carrier and a provider, the Facebook ads that made seniors stop scrolling, and the follow-up system that turns attendees and no-shows into appointments. They also share how Steve grew from writing 50 apps in one AEP to over 300 the next by investing in the right people. In this episode: Why nostalgic movies draw a senior crowd What a 100-person movie event really costs (about $20 per person) How to pitch carriers and providers to co-sponsor your events Ad creative that stops the scroll, and why it doesn't have to be pretty Writing better AI prompts for your ads and thumbnails The $3.64 book that works as a lead generator Why you should never give up on your no-shows "Bring your mail": using the ANOC to create urgency Inviting current clients as built-in social proof Hiring and training your team before AEP, not during it Chapters: 00:30 Welcome Steve, Paula and Rachel 00:45 The 100-person movie event 01:48 Choosing the right movie for seniors 02:36 What it cost 03:28 Splitting the cost with a carrier and provider 05:02 Facebook ads that stop the scroll 07:16 Multiple ad creatives and AI prompts 10:39 Keeping the room engaged for 45 minutes 12:36 The book giveaway 14:13 Follow-up and setting appointments 16:34 130 RSVPs, 100 shows 17:27 Don't write off your no-shows 19:28 Annual Notice of Change: tell them to bring their mail 20:34 What happens when a plan leaves the county 24:08 Newsletters and a calendar of events 26:31 Partnering with community lifestyle directors 30:03 From 50 apps to 300+: investing in staff 34:05 Current clients as social proof 36:18 Hire and train early 37:36 The fortune is in the follow-up 38:58 Every policy is a family served "Every insurance policy is actually a family who is served and taken care of. It's not just a policy sold." – Joanna Wyckoff Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. #InsuranceBusinessBabes #MedicareAgent #MedicareSeminars #InsuranceMarketing #AgentLife Host: Joanna Wyckoff Guest: Steve Pomerantz, Paula & Rachel Insurance Business Babes is owned by Cmed LLC.

If your appointments start and end with Medicare, you're leaving most of the relationship on the table. While Joanna's out, Kevin Sword sits down with TopFlight lead agent Mario Ortega to walk through the fact finder that turns a Medicare appointment into a full retirement conversation. Mario covers his whole process: how he introduces himself at seminars so clients expect the bigger conversation, the personal questions that uncover hidden income and needs, and how to spot openings for long-term care, life insurance, critical illness and annuities without selling during the fact find. In this episode: Why your process matters more than any form Positioning yourself as a retirement advisor, not "just" a Medicare agent How asking about marriage, divorce or widowhood can uncover Social Security benefits worth $1,200 to $1,500 a month Reading the client: teachers, engineers, doctors and government employees The deductible and out-of-pocket question that shows when a Med Supp beats the work plan Using family health history and parents' longevity to guide cancer, critical illness and annuity conversations Long-term care without fear tactics, and why every AEP is another chance to bring it up How the Heartland home health plan fits clients with long medication lists Life insurance reviews: spotting accidental death coverage sold as "whole life," and partnering with estate attorneys Real client stories: the pension question behind a $500K rollover, and the $80K old IRA that became the "dumbest luck annuity" Hidden income such as dividends and high-yield savings interest that pushes clients into IRMAA surcharges Why you should always close the Medicare sale first Guest: Mario Ortega Host: Kevin Sword (filling in for Joanna Wyckoff) Insurance Business Babes is owned by Cmed LLC.

AEP is in the air and Kathe and Joanna are not entirely thrilled aboutit. In this episode, the ladies get into what's frustrating about thisseason (carriers releasing first looks in late September, non-commissionableplans, and plans being suppressed off Medicare.gov entirely) and whatagents can actually do about it. Then they shift to the part most agentsskip: getting yourself ready before October 15th hits. What they cover: - Why waiting on carrier first looks has agents stuck in "hurry upand wait" - Directing clients to Medicare.gov for PDP reviews and what to expectfrom the accuracy - Guaranteed issue confusion, and why unlicensed guidance costs consumersreal money - Why your business address should not be your home address (especiallyfor women)- Pre-AEP admin: license renewals, CE hours, FFM certification, carregistration. Do it now - Health prep that protects your season: doctor appointments, mealprepping, grocery delivery, and walking while you work If your birthday falls during AEP, this one's especially for you. --------------------------------------------------------------- Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. Host: Joanna Wyckoff & Kathe KlineInsurance Business Babes is owned by Cmed LLC.

Most agents are sitting on a book of business they never go back to. In this episode, Joanna and Laura pick up last week's conversation and get specific: How do you call a client you enrolled years ago and offer them something new without feeling like a product pusher? The answer starts before the sale. Laura walks through how she sets the expectation at the very first meeting: she's not there to sell a plan, she's there for the whole person. That framing is what makes the second, third, and fifth conversation possible years later. They cover: Why the relationship has to start at the seminar table, not at renewal Getting your phone number into the client's phone before they ever need you How to read a client's medication list as a roadmap to coverage gaps Painting the picture: what recovery actually looks like after a stroke, and why family isn't a plan Using real client stories instead of product pitches Getting a benefit into the client's hands fast so they never second-guess the decision Tagging and organizing your book so you know exactly who to call next Why the no-shows on your seminar list are still leads you paid for The mindset shift: you're an entrepreneur offering solutions, not a salesperson pushing product Where life insurance and annuities fit for agents feeling squeezed on Medicare commissions Laura's core argument: if you don't offer it, nobody will. And the client pays for that silence later. Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. Guest: Laura Winningham Host: Joanna Wyckoff & Kathe Kline Insurance Business Babes is owned by Cmed LLC.