Start Google Pixle
Health Benefits Meeting Process
"So, my job is to do a needs analysis and see if you have any gaps in coverage and answer any questions you have about your plan and go over the changes for this year and if you're already in the best plan, you hopefully become my client so I can be available to you 24 hours a day and I'm local and go above and beyond for my clients. So I'm going to start out by setting up a profile for you then ask some basic contact information
Mark them as checked in on wix https://tinyurl.com/gki-bookinglist
Create drive folder https://drive.google.com/drive/folders/1ESHyLf2-aUXuCxwakZMg-dOqrfOc7THs?usp=drive_link
Create gemini chat work space
Section 1: Client Information
Gemini: Critical. This field determines the analysis workflow.
Gemini: Immediate Prospect. This is your #1 referral. Flag for a full review of their own (Med, Life, LTC). Use as emotional leverage for client's planning.
Gemini: Referral source. Also, who is the point of contact/POA? Who will be the beneficiary?
Gemini: Ancillary Opportunity. This is the flag for a Gerber Grow-Up Plan or similar child policies. Also, the primary emotional leverage for legacy/final expense planning.
Section 2: Household Protection, Benefits & Legacy Setup
SECTION 3: COVERAGE IDENTIFICATION
"Okay, perfect. Now, to get started on the review, can you please show me all the cards you use when you go to the Doctor's office or the pharmacy?"
Gemini: If "VA" is checked, the analysis for an MA plan should focus on a "$0 PPO wrap-around" to add benefits.
Gemini: This is the Ancillary Pivot. If "Yes, client is happy" is selected, the client was fast-tracked.
Gemini: CRITICAL. This determines Medigap Open Enrollment (OE) and Guaranteed Issue (GI) rights.
Gemini: CRITICAL. This is the plan the client is actively using. Analyze its Summary of Benefits (SBs) to compare against a recommended new plan. Also, check this against the "Client Status" rule.
Gemini: CRITICAL. This is the plan the client will passively enroll in. Analyze its Summary of Benefits (SBs) for the upcoming year to identify any negative changes (e.g., higher costs, lost benefits) and use this as the primary comparison point for new plan enrollment.
Gemini: Run this list through each plan's formulary. Note the Tiers, costs, and any restrictions. This needs analysis question can help determine if they're in great need of the GTL short term home health care policy.
Fill out a paper SOA
Stop here if the client has discussed specific medicare advantage or prescription drug plans. SEE BELOW
*If the client begins discussing specific Medicare Advantage or Prescription Drug Plans, no further questions on this form may be asked and you must appropriately document the meeting with a scope of appointment. All scope of appoinments must be in strict compliance with insurance carrier and CMS rules and regulations. All completed Scope of appointments must be retained for a period of no less than ten (10) years.
LIFE & LONG-TERM PLANNING
Most people think about this but don't solidify the idea. This question uncovers their true wishes, which will be the foundation for their plan.
Goal: Connect their stated wish to the logical, financial reality. This uncovers the need for an LTC/STC plan
Ask for referrals ask them to send my referral script to friends and family*
Pull them up in Arc then Sunfire and pull up their profile https://newarc.agentcareer.com/login
Confirm Medicare, Medicaid & LIS eligibility
Put in medications & pharmacy
Put in Providers then review their plan.
Now review plans that possibly meet their needs based on their needs analysis
Stop Google pixel and add the transcript to gemini client chat
add all possible plans to gemini client chat
Run a plan scan to see what ai says is the best fit
Tell them my recommendation and review the summary of benefits and plant the seed for ancillary (HI, CI, DVH etc.) allow them to ask any questions
"Do you have any questions?" Allow them to ask questions.
Confirm Consent to Enroll in a Plan of Choice.
Complete Enrollment Application.
Confirm with dad first. on the pixel go to contacts section and duplicate the gus kinnie contact. make sure to put clients first name in parentheses for example Gus (john D.) Kinnie
Move Pipeline card to application submitted
Add label Medicare client in wix
Create vault folder
create medicare folder and make it shareable. then copy link
go to wix and paste google doc link to 2602554899 in a text message
in pixel phone copy the link and paste it to the clients contact as a link. vault link
Put all documents in a shareable google folder. Create drive folder https://drive.google.com/drive/folders/1ESHyLf2-aUXuCxwakZMg-dOqrfOc7THs?usp=drive_link
Go to eleven labs and duplicate the guardian agent. make sure to name the new agent "Client: (clients name)
add the clients name in the prompt where it says {users name}
Add all of the client's documents to eleven labs Guardian
check the box under the security section so the ai isn't public
copy link go to wix and paste google doc link to 2602554899 in a text message
in pixel phone copy the link and paste it to the clients contact as a link. ai link
send their contact to them via text with the pixel. Share their (current year) shareable folder with them via link or email accessibility
Dad. Recap/Cool down. Provide enrollment information and documents, answer questions
sign them up for a rx card
Check enrollment status
go over conversation and find out other products they were interested in. then send them the orion schuedling link saying hey i remember you were intersted in this (product) lets chat on the phone or in person so we can go over it
