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About saydiver

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  1. Because some insurance companies are notorious for closing blocks of Medigap business every few years to keep rates low for new entrants. As long as you're healthy and can pass underwriting it's not an issue, because you can change insurance companies, but at some point you will be denied and then stuck with a closed block of business and future sky high rates.
  2. The Federal Government has never processed Medicare claims. Since the beginning of Medicare, the claims processing has been contracted out to private insurance companies. MoO may have been one of many private insurance companies processing claims. Nowadays rather on a state level, the claims are processed by MACs, who handle the claims for a geographic region.
  3. Why would someone want to stay with Plan F-HD even if the plan is closed to younger members? Because 1. Plan G will now be a guaranteed issue plan so rates will go up faster from now on. 2. From the rates I've seen so far for Plan G-HD on a senior insurance forum they are considerably more than Plan F-HD. 3. In order for Plan F-HD to be adversely impacted by any changes, the average person on the plan will have to have almost $12,000 in annual medical bills year in and year out. The current average for all of Medicare is $800 according to my Medigap insurance broker, although I see a slightly higher average on kff.org. 4. Plan F-HD definitely saves someone money when they are healthy and even when someone is in their 80s, the Plan F-HD rate plus deductible will likely be cheaper than the other rates. Here's a good article on why a high deductible plan may be good for some people: https://www.journalofaccountancy.com/newsletters/2018/mar/high-deductible-medigap-plan.html
  4. Received an email from the escalation team member that the FL Blue 2018 plan contracts are online. See: https://www.floridablue.com/plancontracts/individual Looks like my threatening to file another complaint with the FL Insurance Dept helped to get this company to do the right thing and get these contracts online before open enrollment ends.
  5. I was told this morning by one of FL Blue's escalation team members, that the 2018 plan contracts will not be online until after open enrollment ends. So apparently FL Blue expects their customers to choose a plan just by looking at the Summary of Benefits and Coverage, which does not cover everything you need to know about the plan.
  6. Speaking of Medicaid and look back periods, also be aware of filial responsibility laws: https://www.agingcare.com/articles/filial-responsibility-and-medicaid-197746.htm
  7. Does FL Blue notify you by letter who the exclusive providers are for your Blue Select plan?
  8. Yes, instate Blue Select and Blue Options plans are EPO and out of state they are PPO. There's only one BlueCard network for everyone in all 50 states, DC and Puerto Rico who has a BCBS policy and has BlueCard coverage: https://www.bcbs.com/the-health-of-america/articles/coverage-goes-where-you-go-travel-worry-free-blue-cross-blue-shield Here's a link to my post last year about the differences in Blue Select and Blue Options plans:
  9. FL Blue has the following in their FAQs. Notice there's no mention of what plans have BlueCard coverage. "How am I covered if I travel outside the state of Florida? When traveling out-of-state, you’re covered under the BlueCard® Program. You’ll receive in-network benefits and will be protected from balance billing when receiving covered services from a BlueCard® participating provider. To find a BlueCard® participating provider, visit Find a Doctor and More, then select the BlueCard® Doctor and Hospital Finder, or call 1-800-810-BLUE."
  10. Using the BCBS national provider search function today doesn't prove the Blue Select and Blue Options plans still have nationwide coverage for 2018, but on FL Blue's website the plans are still listed as PPO/EPO for 2018, which to me indicates they still are PPO when out of state. I'd really like to see a contract for 2018 or for DH to get his 2018 ID card with the PPO logo to know for sure, since there is absolutely nothing mentioned in the Summary of Benefits and Coverage about nationwide provider coverage. I did find this document, which has a print date of 06/17. It say coverage, but doesn't really say in-network coverage. Also be sure to read my post about the differences in Blue Select and Blue Options plans.
  11. Not everyone here is Medicare age. Lots of early retirees or people who own their own business and have multiple homes.
  12. My source is me. FL Blue required a copy of both of our FL driver's licenses when we applied for FL Blue insurance. That was over two years ago so perhaps it would be best if you ask them yourself.
  13. But people drive like that all over the US, not just FL. From my experience people in FL actually drive slower here, except for the Miami area. Edit: According to the internet, it's the high cost of Personal Injury Protection, since FL requires everyone to carry $10K of protection. That's only about 20% of the policy. There's also the increased perception of risk, whether a hurricane actually hits or not. https://www.usatoday.com/story/money/2017/09/15/hurricanes-could-push-up-insurances-rarteshomeowners-auto-insurance-rates-could-rise-tx-fl-and-beyon/653203001/
  14. Yes, FL has higher vehicle insurance rates? The reason is HURRICANES!!
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