What is not covered on BCBS of FL Plan 70?

May 1, 2008

  1. dr954
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    dr954 Expert

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    I have a potential client that is considering BCBS of FL Plan 70. This is a hospital/surgery plan with a $250 deductible, $2500 OOP maximum. For a 47 year old woman it costs $90 per month. I recommended Humana's Autograph Share 80, $5000 deductible, $7000 OOP maximum for $191/mo. I believe Humana's plan to be more comprehensive.

    On BCBS plan 70 brochure it reads:
    This health insurance policy is ideal for:
    • A covered hospital admission and the covered physician office services.
    • Covered outpatient surgeries as an outpatient of a hospital, ambulatory surgical center, or a physician’s office (i.e. bone setting, casting and/or stitching).
    • Diagnostic services such as X-rays, ultrasound, and CAT scans, when part of a hospital inpatient service or proximately related to an outpatient surgical service.
    • Mammograms are covered—even when the service is provided in a physician’s office.

    Does anybody know what things specifically will not be covered under BCBS Plan 70, 71, 72, & 73?

    Thank you in advance.
     
    dr954, May 1, 2008
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  2. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    What happened to your "brokerage contract" for BCBSFL ifp?
     
  3. dr954
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    dr954 Expert

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    For now it's not happening. Any luck for you?
     
    dr954, May 1, 2008
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  4. somarco
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    somarco That Medicare Guy

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    somarco, May 1, 2008
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  5. dr954
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    dr954 Expert

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    Here's the problem with the source. They do not disclose what outpatient procedures, or treatments specifically will not be covered. This is misleading to the consumer. From talking with a friend, here are some things we believe that will not be covered under this plan. If anyone else has something to add, please do!

    Items not covered:
    doctor visits, obgyn visit, checkups, medications , mental health, cardiac rehab, physical therapy, outpatient chemotherapy, outpatient dialysis treatment, out patient rehab.

    I am sure the list can go on.
     
    Last edited: May 1, 2008
    dr954, May 1, 2008
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  6. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    Must come clean...it was a trick question.

    There is no brokerage distribution for BCBSFL individual plans. Only sold direct, or through their contracted general agencies.
     
  7. The Rabbi
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    It is a hospital/surgical plan. That's all they cover. No outpatient services.

    It is the barest coverage. A person buys as much insurance as they can afford. At her age, I wouldn't be buying the most basic. If that is all she can afford, that's that.
     
  8. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    The only outpatient services that ARE covered are those (i.e. - mammogram, well-child care) which are mandated by Florida Statute.
     
  9. somarco
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    somarco That Medicare Guy

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    From the same site . . . click here for a PDF of Plan 72

    The internet is a wonderful thing . . . when you know how to use it . . .
     
    somarco, May 1, 2008
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  10. InsuranceBenefitsGroup
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    InsuranceBenefitsGroup Guru

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    I posted a similar thread a few weeks ago. (Third thread below) Got no help, just wise cracks from the usual douchebags.

    I couldn't find anything wrong with it when I looked at it.
     
    Last edited: Jul 1, 2009
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