Simply unbelievable

Out of all the business I write I have about two or three clients cancel a year. Because of the methods I use to sign up clients, there's really no reason for a cancellation - especially in the 1st year. One of the reasons my closing percentage isn't that great is because I actually go over case scenarios to show people how the plan will perform - a lot of "no takers" after that since most people are spoiled with group and want everything at a copay.

If you've been in this biz a while, you learn to go into detail about the plan since it's inevitable that months later you get the "I just got a bill" phone call. I never get those calls. My clients know how the plan works.

Got a nasty call just now - lady I signed up on Aetna's PPO 30 a few months back launching into a speech about $40 copays for seeing a specialist - which of course she knew about, but that wasn't the gripe. The gripe was simply the cost. She found it, and I quote, "absurd that I have to pay a high premium and also pay $40 to see a doctor."

There was no appeasing her. She was canceling to find a plan with a $20 or less copay. I don't even have one available - $35 copay for Assurant and GR. $20 for Coventry but she's on meds so that's a decline - no drug coverage anyway on the Coventry 2500. She's a Blue Cross decline - wouldn't matter since Personal Comp doesn't have copays for sick visits.

So after I go over all of this we get to "we'll I'll just have to shop around on my own I guess." All I could say was "let me know how it turns out." I reminded her never to cancel coverage until she gets a new plan. Her reply? "I already canceled Aetna."

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