WHAT IS MEDICARE

HEALTH INSURANCE
REYNA'S TRAINING CENTER
 MEDICARE
HEALTH INSURANCE
 SCRIPT

Hello this is _______________ from Senior

Benefits. I am calling you today to discuss
ENTHUSIASTIC
ABOUT
YOUR BRAND NEW 2023 Medicare Health DOMINATE
Plans! These new BENEFITS may offer money
back into your social security check, A flex card,
and many other benefits at NO additional cost
SHARP

to you. LIVELY

“I am now going to ask you a couple of

questions to see if you qualify.”

 MEDICARE A, B, C & D

PART C
PART A PART B
PART D


OFFERS AN

PROVIDES PROVIDES ALTERNATE PROVIDES

INPATIENT/HO OUTPATIENT/ WAY TO PRESCRIPTION
SPITAL MEDICAL RECEIVE YOUR DRUG
COVERAGE. COVERAGE. MEDICARE COVERAGE.
BENEFITS
PART A PROVIDES Part A is the hospital services part of Medicare. This benefit covers inpatient care, hospital
INPATIENT/HOSPITAL stays, skilled nursing facility care, hospice care, and medically needed home health care
COVERAGE. services.

Part B is the medical services part of Medicare. It covers many of the medically necessary
PART B PROVIDES
services not covered in Part A, such as outpatient and preventive services. This involves things
OUTPATIENT/MEDICAL
like x-rays, bloodwork, doctor’s visits, and outpatient care. It will also cover other medical
COVERAGE.
items such as diabetic test strips, nebulizers, and wheelchairs.

Original Medicare is a federal health care

program made up of both Medicare Part
A (hospital insurance) and Part B
(medical insurance). It’s a fee-for-service
plan, which means you can go to any
doctor, hospital, or other facility that’s
enrolled in and accepts Medicare, and is
taking new patients.
Medicare was set up to help people 65
and older. In 1972, Medicare became
available to people with disabilities and
End-Stage Renal Disease/kidney failure.
PART C OFFERS AN
ALTERNATE WAY TO Medicare Part C plans offer the benefits of Original
RECEIVE YOUR MEDICARE Medicare in combination with prescription drug
BENEFITS
coverage and extra programs. Learn more about Part
C coverage.

Medicare Advantage plans (Part C) provide all of your

Part A (hospital) and Part B (medical) coverage and
must cover all medically necessary services. Many
plans also offer prescription drug coverage and
additional programs not covered by Original
Medicare. To enroll in a Medicare Advantage Plan, you
must already have Original Medicare Part A and B
coverage.
 Medicare Part D Prescription Drug plans are part of the government’s Medicare program, but
PART D PROVIDES they are offered and managed through approved private insurers, like Cigna. These plans help
PRESCRIPTION DRUG lower the cost of prescription drugs that can prevent complications from disease and help
COVERAGE. keep you healthy.
If you are entitled to Original Medicare Part A and/or enrolled in
Medicare Part B, there are 2 ways you can get Part D Prescription
Drug coverage.

Enroll in a separate, or standalone, Medicare Part D Prescription

Drug plan (when you turn 65 or during Open Enrollment)
Choose to join a Medicare Advantage plan (Part C) that
includes drug coverage. (Not all Medicare Advantage plans
include drug coverage. Review the details of any plan before
you enroll.)

What drugs are covered by Medicare Part D?

Part D plans help pay for medications you take regularly to

manage chronic conditions, for example, heart disease, high
cholesterol, or asthma. It also pays for medications you take for a
short period of time, such as antibiotics. There are also some
medications covered by your Original Medicare Part B (Medical)
plan and not covered by Part D.
 SCRIPT
YES
#1 “Do you have Medicare
parts A&B?”
This needs to be a yes, PART A PROVIDES

INPATIENT/HOSPITAL
(if they say NO, ask them if they will COVERAGE.
be receiving medicare within the next
90 days)
PART B PROVIDES
NOTE:
OUTPATIENT/MEDICAL
NO, I DON'T KNOW: Ask them if they
COVERAGE.
have this RED, WHITE, BLUE CARD
 SCRIPT

#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, so you will most likely hear 148.50 or 170.10 meaning they
have an advantage plan.

if you hear another amount, it is most likely a supplement.)

 SCRIPT SUPPLEMENT PLAN OR
ADVANTAGE PLAN

#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)
 SCRIPT VETARAN
ADMINISTRATION

#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)
 EDIFICATION

“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.)
 PROPER HAND OFF
PROVIDE ALL THE ANSWERS
Example: TO ALL THE QUESTIONS
Hi my name is Jimmy, and I have (CLIENT ASKED

NAME) on the line, in the state of

(STATE),
and her zip code is (ZIPCODE). She has
her Medicare Parts A&B, UHC as her
secondary, and
his plan is advantage plan.
TRYING TO GET
STATE THE NAME OF YOUR
CLIENT , THE STATE, THE
ZIPCODE
STATE WHAT OTHER
BENEFITS THAT THEY ARE

Can you please take over?

END THE CALL WITH A
BANG!
Thank you and have a great day!
THANK YOU