MMG Script

Parenthesis is just for your information.
You do NOT read this to the client
AEP
Hello this is _______________ from Senior Benefits. I am calling you today to discuss ABOUT
YOUR BRAND NEW 2023 Medicare Health Plans! These new BENEFITS may offer money
back into your social security check, A flex card, and many other benefits at NO additional cost
to you.
“I am now going to ask you a couple of questions to see if you qualify.”
#1 “Do you have Medicare parts A&B?” This needs to be a yes, (if they say no, ask them if they
will be receiving Medicare within the next 90 days)
#2 “Do you have a secondary insurance like Humana or United Healthcare?” “Do you pay a
monthly premium for this?” (Most often they will say yes, because they pay for their Part B, s
you will most likely hear 148.50 or 170.10 meaning they have an advantage plan or if you hear
another amount, it is most likely a supplement.)
#3 “Is your plan a supplement, retirement plan, or Advantage Plan?” (If they say supplement or
retirement, do not transfer unless they cannot afford their premiums for their supplement. Tell
them to stay with what they have, that it is the best option for them, and to have a wonderful
day. If they say Advantage, or they don’t know, transfer. Most often people know if they have a
supplement or retirement plan)
This is the last question Mrs./Mr.____________
#4 “Do you receive Military benefits such as Tricare, VA, or Champ Va?” (If they say Tricare or
Champ VA, let the call go and thank them for their time. (If they say VA you will say), “You may
be able to receive additional benefits on top of your VA benefits at no additional cost to you!”
(VA offers vision and hearing but NO dental. Also, many advantage plans for VA offer dental,
OTC, and a part B giveback now in certain areas)
“Wonderful. It appears here that you qualify for these new benefits at no additional cost to you!”
“Mr./Mrs. _________ I am going to transfer you to one of our licensed agents so they can
discuss the extra benefits you may be entitled to! Please stay on the line, and I will get you right
over! (sometimes hold times are several minutes, keep talking to them asking how their day is,
weather, holidays, etc.)
Fronter Cheat Sheet MMG/SCD
AEP- Annual Enrollment Period October 15th - December 7th. Plans come out for the next
year, and clients are able to enroll for January 1st.
OEP-Open Enrollment Period January 1st -March 31st. Clients only time to switch their
Advantage Plan until the next AEP.
Part A&B Premium for 2023 $164.90
Premium -Amount they pay for plan (many advantage plans are zero cost)
Copay - Amount they pay for doctors visit/prescriptions
Scenarios
company are you with? What is Senior Benefits? Senior Benefits, my job is to find a
specialist in your area who represents all the major carriers. (Humana, BCBS, UHC, Aetna,
Cigna, WellCare )
This only applies after January 1st. I already changed my plan, it is not the enrollment
period - October 15th - December 7th is the Annual Enrollment Period. January 1st - March
31st is the Open Enrollment Period. You have another opportunity to compare the new plans for
2023 with a specialist in your area.
I don’t want to leave Humana (carrier, Humana used as an example) -The agents have
access to many plans with all carriers. You may be able to stay with the same carrier, just
upgrade your plan!
Can I get money back into my social security? -the agent/specialist will search to see if a
plan offers this in your area.
Anything you don’t understand you should say, “my specialist will be able to answer all
of your questions.” If they qualify, transfer them immediately. Or, “this is a great question What
estion, let me get you over to a licensed agent and they can answer this for you.
Transfer This is IMPORTANT!!!
Transfer- Introduce yourself, the client, state the information they gave and what
interested them. Money back into social security?? Flex card? Dental? Too many
transfers are being sent over without the fronter letting the agent know what they’re
interested in. Some may be just extra benefits, but a lot of the time it is money back in
your social security, flex card, dental, etc. It is important to let the agent know. This is a
MUST! If not, they often lose the call.
Example: Hi my name is Joy, and I have Mrs. Jones on the line, in the state of Florida,
and her zip code is 33306. She has her Medicare Parts A&B, UHC as her secondary, and
she is interested in money back into her social security check.

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Parenthesis is just for your information.

You do NOT read this to the client

This is the last question Mrs./Mr.____________

Part A&B Premium for 2023 $164.90

Copay - Amount they pay for doctors visit/prescriptions

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