Would a nice sale have resulted in a cushy commission check? Absolutely.
Would we be glad to help them with whatever insurance needs they have? No doubt.
Would many agents have fudged the truth a little and advised the client of the Medicaid requirement for them to jump on their employer's plan, even if that requirement were not 100% true quite yet? In our experience, yes.
But, it wasn't the right decision for her at this time. She already had coverage through Medicaid, and while she may end up being required to jump on her employer's plan eventually, she may still be able to utilize the free coverage afforded to them by their Medicaid plan without penalty.
Instead of burying the full truth, and relying on the half truths that would result in a commissionable sale, we assisted her in notifying Medicaid of her new health options so that Medicaid can make the determination and notify her. At THAT point in time (not this one) she will have a 30-day window in which she can jump on the employer's plan if need be.
Yes, it will require another 30-minute trip to meet with her and enroll her at that time, and yes it would have been easier to just sign her up while I was there, and yes many other brokers would have jumped at the chance to add another life to their books... but that would not have given this single mom the opportunity to retain low or no-cost coverage for a few more months.
Transparency and a higher regard for taking care of humans than for agency profitability is what sets Integrity Benefit Partners apart from the rest. We love our clients and we prove it daily.
