Why Agents Should Sell Dental Vision and Hearing (DVH)
Many of your potential clients may think they are safe from the possible expenses of Dental, Vision, and Hearing services since they have Original Medicare (Parts A &B) or even a Medicare Advantage Plan.
While Original Medicare itself offers medical coverage, there are certain gaps that can leave your clients vulnerable to high out-of-pocket expenses. Medicare Advantage plans provides some coverage but it’s not comprehensive.
When you offer ancillary products like DVH insurance to your clients, you help protect them from the risk of those expenses and bring them peace of mind knowing that they have more complete coverage and gives you an opportunity to earn more commissions.
Shortcomings in Medicare and Medicare Advantage:
As people age, they’re more likely to experience problems with their eyes, ears, and teeth. Explaining the cost of common issues regarding those areas can really highlight the importance of a DVH plan.
Many people overestimate the coverage Original Medicare or Medicare Advantage provides. By exposing coverage gaps and helping your clients fill them, you’ve helped them understand the coverage better, and helped them avoid what could have eventually been a rude awakening.
Finding DVH Prospects:
You shouldn’t have to look far.
You likely already have many clients who either don’t have a DVH plan or could benefit from changing DVH plans. Remember, you can sell DVH plans all year long.
Keeping in touch with your beneficiaries will provide opportunities to asses any gaps in their coverage. Since DVH plans can be sold all year long, you may also want to compare plans for clients that may already have it, to see if they could benefit from a change.
This proactive approach demonstrates your commitment to comprehensive coverage and positions you as a trusted advisor in their healthcare journey.
Conclusion:
It’s hard to find a reason not to offer Dental, Vision & Hearing plans to your prospects that may need one. DVH policies don’t require underwriting, are easy to explain to clients, and can be sold all year round. Cross-marketing DVH is a no-brainer, and a win-win for everyone.
As a licensed insurance agent, you want to offer more than basic medical coverage. By offering DVH insurance to your senior clients, you address their unmet needs, promote holistic healthcare, and provide financial security.
By taking this proactive approach, you demonstrate your commitment to their well-being, build stronger client relationships, and position yourself as a knowledgeable and caring agent. This isn’t just good for your clients but is good for your business as well.
Thanks for watching, and happy selling.
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