Individual health insurance 101 for new agents

Of course I agree with you conceptually, but with the numerous choices available here, I don't find many cases where BCBSFL "fits".

Not only are they the poster child for poor customer service, their underwriting times are inordinately lengthy. Coupled with the fact that they heavily use "bait & switch" rates (rate things up 25-50% that others don't), the serious "holes" in some of their contracts, and the cancellation provision they use, it's not hard to see why their marketshare has eroded heavily over the last few years.


Moon--What exactly are the "Holes" in which you refer to?

The Blue Options 503 plan looks fine to me, is there something I am missing?


Maybe with Time getting out of the maternity business, that'll be a place where it fits, but their coverage isn't much better than Golden Rule's!

They've filed for an 11% increase on ifp effective 6/1.

Still better than GR at 20%
 
Moon--What exactly are the "Holes" in which you refer to?

The Blue Options 503 plan looks fine to me, is there something I am missing?

Sorry, I don't share competitive intelligence with other Florida agents. It wouldn't be fair to the ones that pay me to consult with them, but yes you are missing something - major.

Still better than GR at 20%

My GR renewals are running 17%.
 
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