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saydiver

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  1. 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.
  2. 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.
  3. 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
  4. Does FL Blue notify you by letter who the exclusive providers are for your Blue Select plan?
  5. 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:
  6. 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."
  7. 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.
  8. Not everyone here is Medicare age. Lots of early retirees or people who own their own business and have multiple homes.
  9. 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.
  10. 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/
  11. Yes, FL has higher vehicle insurance rates? The reason is HURRICANES!!
  12. The "How it Works" part is likely the same, not the numbers. Why don't you call FL Blue on Monday and see if they will send you a 2018 contract.
  13. Yes, that's the contract for plan 1735 for 2017 and the correct link. I doubt the 2018 version is any different. I was unsuccessful in posting the contract, but I did post the link in my second post to this thread. I think FL Blue sends a letter each year explaining who the exclusive providers are for that year rather than putting the info in the actual contract. I get what you're saying. Most people find out about exclusive providers when their claim is denied, unless they have a knowledgeable broker or have read the info on a forum like this beforehand. Believe me I'm thankful I have 28+ years of health insurance experience to understand the language, although I've been out of the business 16+ yrs. Like I mentioned BlueSelect is not available in my county. I discovered the particulars of Blue Select plans when I was researching why someone's claim was denied when she had lab work done someplace other than Quest Diagnostics while out of state. That's why I created a post last year about the differences between Blue Select and Blue Options plans. Do a Google search on "Provider Financial Incentive Disclosure" and you'll find your answer as to why it's in the contract. While scanning the contract did you also read the section about the Blue Card program? FL has a large percentage of its population who are sun birds/snow birds, so a PPO policy with nationwide coverage is just as important to that segment of the population as it is to fulltimers. You've seen my rant/opinion about FL Blue. Not much I can add to that, except to say what few claims I've had, both instate and out of state, were handled timely. That's the only positive thing I can say about them.
  14. One other thing to think about before moving your domicile is Florida has some of the highest Medicare Supplemental rates in the country. Click on the link to find out what Medicare Supplemental plans are available by county and their rates. https://apps.fldfs.com/mcws/CWSSearch.aspx
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