I am extremely popular right now. The mail is pouring in. I get phone calls, emails, and twice now, handsome men have come to my door, asking for my hand…wait, not my hand, but rather my medicare gap insurance business!
You see, dear Reader, in just a few weeks I, like many others this year, this month, this week, this day, will turn 65. That magic age for Medicare insurance that the government offers to us (for a fee). It doesn’t cover everything and so one needs another policy (for a fee) that pays for extras and for prescriptions. Big insurance companies have come to the realization that the baby boomers are hitting this magic age at the rate of about 10,000 a day. We are a big market. Well, some of us more so than others.
Insurance companies now have the ability to not only find out your age, your address, your phone number, your email, but also your health condition. They are not big risk takers, you see, but prefer to insure those who will pay lots but cost little. That way, they make BIG profits. I’m one of the those baby boomers who has reached the age of 65 with little to no health issues. No hospitalizations. No surgeries. No prescriptions. I live in a safe neighborhood (so far). I don’t take many risks. No drinking, no drugs, no smoking. I am their perfect customer. So, the mail, phone calls, and even personal visits are inundating me.
The phone calls I don’t answer. The mail gets tossed. But the personal visits? Those make me laugh. Twice now I have had very distinguished gentlemen show up at my door, literature in hand. Today’s visitor had the name of the company on his polo shirt. I knew what he wanted before he hardly opened his mouth.
“Oh, you’re here about medigap insurance?”
“Why, yes, we are,” before he could do any more than ask if I was Delaine Zody.
“Oh, I won’t be needing that. You see, I have Fresno Unified (they all know that the school district offers the best insurance in the city), and I have Tricare (Terry is retired military and I get to tag on to his insurance, again the best probably in the nation).”
Their faces fall.
“Is there any other insurance needs we can help you with?”
“No, none at all. I’m well covered.”
“Thank you,” as they turn and walk off the porch.
Terry, a few years older than me, wonders why he didn’t get this much attention when he turned 65. He did get some of the mail, but the insurance companies hadn’t realized, then, what a money-maker they had on their hands. He was at the beginning of the baby boom. Now, each year, he is inundated with medigap mailings, but like me, he just tosses them out. Like me, he too is well covered. We feel very fortunate to have these two avenues of good health insurance when we know there are many who don’t.