My vent to Blue Shield

Jun 27, 2007

  1. Guest
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    This is my vent to Blue Shield, sent to the regional sales woman. It won't help, but it made ME feel better. I'm 'sick' of health insurance companies and their UWs. Getting into annuities and/or the GI senior market can't come soon enough for me!!!

     
    Guest, Jun 27, 2007
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  2. Crabcake Johnny
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    Crabcake Johnny Guru

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    Carefirst in MD is the same. If there's a pre-ex condition it's an APS. "Allow 4 to 6 weeks for underwriting." I've had BC cases go three months. It is what it is. When I do BS it means I cannot put them anywhere else. As it stands right now GR gets 1st dibs, then Coventry, then Assurant, then Aetna and BS brings up the rear.
     
  3. BKrocko
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    John - When did GR move up to 1st place with you? I knew Coventry came out with a co pay plan that you liked and dropped Assurant down a notch.

    Coventry is not in CO and GR is a middle of the road player here (HSA is competitive). As you know, Assurant has priced itself out of most of our market for now (good for maternity).

    Is GR still represented as an association based plan there?

    al3 - underwriting is a PITA no matter what industry. P&C/Life/Health/Senior Market/Mortgate etc. I think the HR Dept. in the corporate world is staffed with ex underwriters. They are there to cover the interests of the company and themselves. I know it feels better but don't cut off your nose to spite your face. Underwriters always seem like a cowardly bunch to me, but like John said - it is what it is.
     
    BKrocko, Jun 27, 2007
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  4. K-Dub
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    K-Dub Super Genius

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    Anthem BCBS here in Colorado is no picnic either! If there are ANY pre-x's I will look at another carrier. If there are no pre-x's I will STILL look at another carrier. Their customer service is lacking, plans are lacking, and billing and claims are REALLY lacking!!

    Bottom line....I'm just glad their rates are NOT competitive when it comes to the Colorado market!! Give me a reason not to present them!
     
    K-Dub, Jun 27, 2007
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  5. senior-advisor-indiana
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    senior-advisor-indiana Guru

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    Senior market med supps are great. Its either issued or declined. No rate ups(except smoking) or pre ex.I haven't had an app declined in 2 years. You know before you finish the app if they qualify. LTC on the other hand is probably worse than Major med.
     
  6. CHUMPS FROM OXFORD
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    CHUMPS FROM OXFORD Guru

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    Oddly...if you have a pre-x including diabetes (non-insulin)...BC is the best carrier around here (sometimes Aetna).
     
  7. SME
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    LTC can be tough. When I sold it I told the applicant that this was a Hurry, Hurry, Wait game. You hurry to take the app, you hurry to get the exam and then you wait for the underwriter to want something else.
    As John said it is what it is.
     
    SME, Jun 28, 2007
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  8. Guest
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    Guest Guest

    Today Blue Shield APSd another case. I sent the rep an email titled "No soup for you."


     
    Guest, Jun 29, 2007
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  9. Crabcake Johnny
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    Blue Cross in CA just got hammered with a 1 million dollar fine for post-claims underwriting. I imagine their response to that is just get an APS.
     
  10. Crabcake Johnny
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    Assurant's getting kicked to the curb since they've jacked the rates each quarter in MD for the last three quarters. Not like they weren't already about 15% higher then their competitors here - which I could live with. Now they are 50% higher which is a no-go.

    On top of that they changed the coinsurance options so not only are they higher, but they've structured the rates to be competitive with a $3,500 OOP.

    You want apples to apples now? Male 40, female 40, 2 kids, standard.

    MD zip code 21113 - $2,500 deductible, 80/20 $2,000 OOP

    Assurant Max w/copay: $698
    GR Select: $417 (include RX buy-up)

    Assurant Max w/0 copay: $519
    GR Plan 80: $253

    Assurant HSA: $405
    GR HSA: $340

    I'd still not a rider fan but GR assured me that in MD they are not doing any more riders for HBP - just an increased deductible.

    Drugs will be dilemma for me. Say I have a client on two meds and GR wants to take away med coverage. However, if it's $200 a month or more to get Assurant and the meds covered the obvious question is "are they on $200 a month worth of meds."

    I also have to look into whether or not when GR takes away med coverage that means they don't get any meds, even for a new condition. In that case I'll have to find a plan B.
     
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