Sell More With Medicare Advantage Trial Right

Sell More With Medicare Advantage Trial Right

This blog will cover how the Trial Right works and how you can utilize it to generate more sales.

A Medicare Advantage Trial Right can be a huge benefit to someone trying a Medicare Advantage plan for the first time. Unfortunately, most people do not know it exists. The Medicare Advantage Trial Right is applicable to those trying a Medicare Advantage plan for the very first time.  If a client does not want the advantage plan within the first 12 months,  they have a trial right that lets them dis-enroll from the Medicare Advantage plan and switch back to the Medicare supplement plan they had previously.

This means that during the first 12 months of Medicare Advantage Plan coverage, they can change back to Original Medicare, Part A and Part B, and get a Medicare Supplement plan back (if it’s still available). If the original Medigap plan isn’t available, they can use the trial right to enroll in any Medigap Plan A, B, C, F,G K, or L, M, or N that’s sold in that state.   They can make the change for the 1st of any month during the first 12 months.

When to use the Trial Right:

Client on a Medicare Supplement:  You may meet with a client that is currently on a Medicare Supplement plan.  They know what an Advantage plan is and like the idea of the low premium but are afraid to try it.  If they dont like it they feel they will be stuck in the plan at least until January or longer if they are in a state with underwriting.  You can explain the Trial Right to them and assure them if they do not like the Advantage plan, you can change them out of it the 1st of any month.  This lets them try the plan out on a month by month basis. If they do not like the Advantage plan, you can go back and sell them a supplement and drug plan.

In other situations, new clients may be having trouble deciding between a supplement and MAPD plan.  Inform them of the Trial Right so they can feel more comfortable giving the Advantage plan a try.  This may help them make a decision when they otherwise may not have been able to decide.