Kathy and Joanna break down Humana's new MAI (Member Appointment Initiative) program,  the private, invite-only offer that pays agents to schedule primary care appointments and run HRA-style questions after enrollment. Sounds great on paper... until you realize it's asking for an extra "15-20 minutes" (that's never actually 15-20 minutes) smack in the middle of AEP, when every second is already spoken for.

In this episode, they dig into:

• Why the MAI program's timing doesn't work for independent agents (and why call centers have it easier)
• The case for letting licensed staff not just licensed agents, help complete these appointments
• How to use Annual Notice of Change reviews in September to get ahead of AEP disruption
• "Hunting chickens, not eggs": Joanna's framework for turning client calls into physician referrals and centers of influence
•  Why cross-selling short-term care, hospital indemnity, and dental isn't optional anymore, it's part of being a "whole person" agent
• The umbrella policy story that explains exactly why your clients need you to offer them everything, not just what they ask for

If you've ever felt guilty about not bringing up a product because you didn't want to be "pushy", this episode will change how you think about it.

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