Physicians Mutual Wellness Plus: What to Lead With

Built-in preventive and fitness benefits, plus Innovative Plan G's lower premium for life

Most Medicare Supplement conversations end up as a premium comparison, because every Plan G covers Medicare-approved charges the same way. When price is the only thing a client can compare, you're one cheaper quote away from losing the sale.

Physicians Mutual's Wellness Plus Medicare Supplement plans give you more to talk about. Preventive care and fitness benefits are built into the plan, and Innovative Plan G Wellness Plus offers a way to lower a client's premium for life. Products and features vary by state.

Benefits Clients Can Use Right Away

Every Physicians Mutual Insurance Company, Inc. Medicare Supplement plan except Plan A is a Wellness Plus plan, so these benefits come built in, with no riders or add-ons to explain.

Preventive care Medicare doesn't fully cover. Medicare covers some preventive services, but not everything. Covered routine services not paid for by Part B, like physical exams, health screenings, and routine blood work, are included with no annual dollar maximum. That gives clients a benefit they can use this year, not just one they're paying for in case something happens.

Fitness support. The Silver&Fit® program gives clients a membership at one of thousands of participating fitness centers and YMCAs nationwide, along with access to thousands of on-demand workout videos.

Because these benefits are already part of the plan, there's less to explain at enrollment and fewer follow-up questions later.

Innovative Plan G Wellness Plus

Innovative Plan G Wellness Plus gives clients a lower premium for life after a temporary deductible for up to three calendar years. If a client drops the Innovative Discount Rider before year three, their premium becomes the standard Plan G Wellness Plus premium amount, and Physicians Mutual notes that clients can switch to standard Plan G Wellness Plus during the deductible period if they change their mind.

Physicians Mutual's numbers give you something concrete to share:

• Premium savings: Clients can expect to save approximately 35%, on average, on their premiums compared to Physicians Mutual's standard Plan G Wellness Plus. This reflects average savings across the states where Innovative Plan G Wellness Plus is offered, and savings may vary.

• Most clients never reach the deductible: 97% don't hit the deductible in the first year, and 81% don't reach it at all during the deductible period.

• Out-of-pocket costs: Out-of-pocket costs average less than $650 per year throughout the deductible time frame.

The deductible and out-of-pocket figures are based on Physicians Life Insurance Company's Innovative Plan G and don't predict future results. Innovative Plan G Wellness Plus also includes the same built-in preventive care and fitness benefits.

Share the Innovative Plan G Video

Physicians Mutual's Innovative Plan G customer-facing video walks clients through how the plan works, with real customers explaining why they chose it.

Get Contracted

If you're not yet contracted to sell Physicians Mutual through The Brokerage Inc., email [email protected] to get started.

Questions?

For questions about Physicians Mutual products, call the Sales Support Hotline at 877-888-5580 or email [email protected]. For questions about selling Physicians Mutual through The Brokerage Inc., email our Medicare team at [email protected].