These Guys License Blue Cross Independent Agents In Florida

May 14, 2008

  1. Senateguy
    Offline

    Senateguy Expert

    Posts:
    29
    Likes Received:
    0
    Anyone Know about Humanaa

    I was curious if anyone had a decent Humana contract..

    What do you think??
     
    Last edited: May 14, 2008
  2. indmedins
    Offline

    indmedins Guru

    Posts:
    435
    Likes Received:
    0
    State:
    Florida
    I have a decent Humana contract, but what happened to your original post? Does the GA you posted not in fact deliver independent agent BCBSF contracts?
     
  3. Soaringagent
    Offline

    Soaringagent Guru

    Posts:
    624
    Likes Received:
    0
    I thought that Blue Cross agent's in Florida were captive?
     
  4. jbage007
    Offline

    jbage007 Guru

    Posts:
    857
    Likes Received:
    11
    State:
    Arkansas
    Yes this is indeed a very strange post.

    I actually got a call from some guy on this particular ad who said he could get me a 16% deal in Florida with no production requirements. A copy of the contract, etc., was to be emailed to me "immediately."

    Two days later, I am still waiting.

    In the meantime I spoke with someone else whom I *know* is actually a licensed MGA for BCBS of FL and he tells me that the ONLY way to get any kind of contracting with BCBS of FL is to sign an EXCLUSIVE deal with them -- at 20%, annualized, one year only (no renewal) contract.

    He claims that anyone else offering any kind of contract via BCBS of FL is in fact BOGUS.

    Guess which of the two I am now more inclined to believe? (Incidentally the second fellow actually did email me a contract for review and did so within 5 minutes)

    So who the hell is this "Senator" dude? And why did he come here to make this one post, then change the post?
    :no:

    And we wonder why health agents are held in such low esteem.:skeptical:
     
    jbage007, May 17, 2008
    #4
  5. moonlightandmargaritas
    Offline

    moonlightandmargaritas Guru

    Posts:
    9,749
    Likes Received:
    33
    State:
    Florida
    Let me try one final time.

    There is no such thing as an "independent agent" brokerage contract for BCBSFL ifp. IT DOESN'T EXIST.

    Group, yes. Individual, no.
     
  6. indmedins
    Offline

    indmedins Guru

    Posts:
    435
    Likes Received:
    0
    State:
    Florida
    I believe you. I wanted to hear his excuse as to why his post was deleted.
     
  7. Crabcake Johnny
    Offline

    Crabcake Johnny Guru

    Posts:
    14,811
    Likes Received:
    15
    State:
    South Carolina
    Just trying to play devil's advocate here for a sec....just how would BX know if I wrote a GR app yesterday and I was "captive" when them
     
  8. indmedins
    Offline

    indmedins Guru

    Posts:
    435
    Likes Received:
    0
    State:
    Florida
    Good point. I really don't know how they could monitor that. I was thinking the same thing.
     
  9. Crabcake Johnny
    Offline

    Crabcake Johnny Guru

    Posts:
    14,811
    Likes Received:
    15
    State:
    South Carolina
    Actually I said "BX" in my post when I meant to say GR. Again, just how would BX of FL know whether or not I kicked out 10K between Humana and GR last week?

    They have no access to your production figures with any carrier and although you're captive you can still maintain other appointments. In fact, you can write for other carriers - you simply need to give BX the right of 1st refusal.
     
    Last edited: May 18, 2008
  10. moonlightandmargaritas
    Offline

    moonlightandmargaritas Guru

    Posts:
    9,749
    Likes Received:
    33
    State:
    Florida
    If you had access to Fla Blue ifp there would be no reason you would want to.

    They offer a superior product as well as superior pricing. A very formidable competitor with 30% ifp market share.

    Strict underwriting, but great new business and renewal increase rates. Blows GR (and everything else) out of the water.

    If you are going to be independent with health in Florida, you better be clever!

    Consider: M51, F51 both n/t. Pinellas County (346) zip. All HSA qualified w/5 mil lt max, Rx, and first $ wellness bene...

    - Aetna (3,000/6,000) $535
    - Avalon (2,500/5,000) $427
    - BCBSFL (6,000) $273
    - GR (5,800) $422
    - Humana (5,000) $400

    There are ways to sell against them, but that'll remain my "trade secret".
     
Loading...