Seniors’ Loneliness Costs Medicare

Seniors’ Loneliness Costs MedicareWork closely with your clients, it may help them live longer

Baby Boomers are ag­ing alone more than any gen­er­a­tion in U.S. his­tory, and the re­sult­ing lone­li­ness is a loom­ing pub­lic health threat. This loneliness undermines health and is linked to early mortality. Policy makers are concerned this will strain the federal budget and undermine Boomers’ health.

Researchers say loneliness takes a physical toll and is as closely linked to an early death as smoking up to 15 cigarettes a day. Loneliness is even worse for longevity than being obese or physically inactive. The lack of social contacts among older adults costs Medicare $6.7 billion a year, mostly from spending on nursing facilities and hospitalization.

Seniors Living Alone, and Lonely, as They Age

Seniors’ Loneliness Costs Medicare

Loneliness Shortens Life

Seniors’ Loneliness Costs Medicare

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The Larger Voice … of Wisdom

The Larger Voice … of Wisdom

A little voice inside your head might say “I’m tired of being rejected when I ask for a meeting.” The little voice feels like the “no” is a personal rejection that invalidates your worth as a human being, making something out of what’s really nothing. But the larger voice recognizes a failed attempt to conduct commerce is nothing more than feedback. The feedback provided by “no” means only that the person you called doesn’t believe the value you offered in exchange for his time was favorable … at this time. The larger voice says “I’ll change my offer and try again later and, eventually, I’ll get a meeting.” It’s important for you to pay attention to what you say to yourself. Your results and your future will manifest in your mind, and then they’ll manifest in the world. Choose carefully which voice you allow to design that future.

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Who Are America’s Uninsured?

Why do Americans choose to go without health insurance?

Take a look

Who Are America's Uninsured?

When the Trump administration nullified the individual insurance mandate by killing the penalty in last year’s tax reform bill, many were sure it would result in a plunge in insurance signups and a spike in the uninsured rate. With just two days left until the end of the ACA open enrollment season, signups are down nearly 20% over last year.

The loss of the individual mandate may have something to do with it, but other factors at play include an increase in alternative plans as well as a hot economy that has created more options for employer-sponsored health coverage. Still, after steady years of decline, the uninsured population increased by nearly 700,000 in 2017. What factors contribute to the decision by these and other Americans to go without insurance?

America's Uninsured

2017 Uninsured rates

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Nobody But You …


The single greatest threat – and the single greatest obstacle – to your performance is you. It isn’t someone or something else. It isn’t your boss, your manager or your supervisor. Your clients may be difficult, too, but they’re not the problem. And your competitors have next to nothing to do with your results or your success; in the big scheme of things, they have no impact. There’s no benefit to believing that external factors and events can harm you when it comes to your personal and professional success.

Most of these things have little to no impact. None of these things have near the impact of the decisions you make and the actions you take to make your goals a reality. No one can harm you as much as you can harm you.

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Millennials Most Likely To Work With Agents

Millennials want to work with insurance agents, a new survey finds

Cautious millennial business owners are more likely than other generations to work with insurance agents on a wide variety of insurance issues. According to Nationwide’s Business Owner Survey, 69% of Millennial business owners work with an insurance agent, followed by Boomers at 66% and Gen X at 59%. The most common reason for working with an insurance agent among all generations is the trust of an agent.

Other key findings from the survey show:

  • Guidance and expertise (41%) are the driving forces behind the agent relationship, more so than considerations such as level of coverage (25%) and efficiency (23%);
  • While trust and guidance are reasons for having an agent, reputation ranks No. 5 on the list of reasons provided by the survey.

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AEP 2018 May Be One for the Books

Consumers might have thought more about Medicare plan shopping this fall than they did in 2016 and 2017. The annual election period for 2019 coverage ends today. Most issuers are keeping their Medicare Advantage and Part D drug plan sales activity numbers quiet, as they always do. But a look at Google Trends data shows search activity for terms related to Medicare was significantly stronger this year than in the past two years.

 

Search Activity for ‘Medicare Plan’

2016-2018 Search Activity for Medicare Plan

Searches for “Medicare plan” soared in 2005, when the Part D plan program came to life. And search activity has been higher this year than in the past – throughout the annual election period – but it’s been especially high this past week. Searches for “Medicare agent” and “Medicare cost” were also higher than in the past two years; that could be a sign that Medicare shoppers dislike the prices they were seeing when shopping for coverage on their own, and that they wanted agents’ help.

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