Insurance Agent Forum

[moonlightandmargaritas]

Originally Posted by bill3173

No. Not for money.

For love?

[moonlightandmargaritas]

Originally Posted by mariemerganser

I can offer my clients almost every quality carrier in the state, including BCBS, and sometimes GR is the best option for the client, believe it or not.

Marie, if I'm not mistaken, didn't you say you were here in Florida?

Could I impose upon you to give us an example of where GR would be a better option for the client over BCBSF?

[mariemerganser]

Originally Posted by moonlightandmargaritas

Marie, if I'm not mistaken, didn't you say you were here in Florida?

Could I impose upon you to give us an example of where GR would be a better option for the client over BCBSF?

Sure, no problem. Let's just take a look at a case I wrote this month. 55f and 59m, both on cholesterol meds but otherwise healthy. Self employed, wanted an HSA. BCBS was $441/mth for Plan 41 ($6000 deduc.) w/integrated Rx and GR was $653.26 for HSA 100 ($5800 deduc.).

Underwriting results for BCBS: both he and his wife received a 25% rate increase due to lipid results. In addition, the husband received a 3 year exclusion on Ventral Hernia and a 2 year exclusion on his right knee due to a tear in his ACL 2 years ago. Final rate was $661.5.

Underwriting results for GR: no exclusions, approved at preferred rating, final rate $653.36

They are a very active couple and go skiing once a month in the winter. Neither he or I felt comfortable with those exclusions so in this case Golden Rule was a better option.

Hope this helps

[moonlightandmargaritas]

Thanks, very interesting case. Always looking for ways to learn...

Sounds like you did an excellent job for your client.

[mariemerganser]

I should probably also point out that the client and I have already discussed the 6 mth waiting period on hernias that GR imposes on all policies. He had no problem with that as it is summer and he will almost be through the entire waiting period once ski season arrives.

[moonlightandmargaritas]

Originally Posted by healthagent

Well if you don't want negative stereotypes you'll need to put two members here on ignore

You put me on ignore last week, remember? Want me to find the post for you?

I think it lasted about, what...five minutes? Not much longer than your marketing "method du jour".

You obviously can't live without me.

[healthagent]

Paul, reading your posts is like traffic accidents. I know I'm not supposed to stare but it's just impossible not to

It's fun to watch you stick your chin out and walk face first into it....as you just did at the end of this thread.

[moonlightandmargaritas]

Originally Posted by healthagent

It's fun to watch you stick your chin out and walk face first into it....as you just did at the end of this thread.

Don't follow...can you clarify?

[moonlightandmargaritas]

Originally Posted by mariemerganser

Underwriting results for BCBS: both he and his wife received a 25% rate increase due to lipid results. In addition, the husband received a 3 year exclusion on Ventral Hernia and a 2 year exclusion on his right knee due to a tear in his ACL 2 years ago. Final rate was $661.5.

Underwriting results for GR: no exclusions, approved at preferred rating, final rate $653.36

As I understand it Marie, cholesterol meds is an automatic 25% rate-up with BCBSFL.

They are a very formidable competitor -- when the risk is really squeaky clean!

Many of us here in Florida do a fair amount of IFP with GR. I've been really digging deep on BCBSFL lately, looking for chinks in their armor...

[jcousin]

I recently went to an Aetna seminar for agents. We were told that they are aware of the delay agents have been facing with contracting and hold times on the phone. They recently hired a bunch of people...so it is supposed to get better soon.

I like Aetna also. My approvals are very quick and my business easy to track.

[bill3173]

Originally Posted by somarco

Are you Golddoor's twin?

Bravo. Clap,Clap, Clap. I have returned.

[somarco]

bill/golddoor -

Seems you have not learned much during your absence. Still asking the same questions.

[arnguy]

Bill/Golddoor, welcome back. Are you saying that you have the clap? BTW, please don't put that eye blinding avatar on again----we really don't miss it.

[bill3173]

Wait. I can't let this go any further. Apparently the Great Golddoor had an interesting time with Somarco, and I can tell from your posts, that he is really missed.

I really had no idea when Somarco made that arcane reference that he had a similar battle over Aetna with Golddoor back in the 70's. I had to do a net search of Golddoor to find one archived battle thread, and couldn't resist the temptation.

I am really sorry for playing this trick, particularly as it may have stirred some sentimental longing for the past. He may come back, you never know. He must have been a great man.

[bill3173]

Originally Posted by somarco

bill/golddoor -

Seems you have not learned much during your absence. Still asking the same questions.

I wasn't asking any questions Somarco. You took the opportunity to criticize my observations because you are apparently in love with Aetna, and not able to offer any content much beyond this in your responses.

There is a survey on producer world for you to complete the next time you are there. You can apply for an $18K/mo. job with them in the comments section of the survey. I will vouch for your avid interest in their success.

I placed my weekly Aetna Policy today and think that they are an excellent insurance carrier, but I am not in love.

[TXINSURANCE]

Aetna has a new 1st dollar, 30 co pay, no deductible plan in Texas.

I ran quotes today and in one example, a Female age 50 was around $360/mo. BCBS and Unicare were almost $500/mo on a $1500 deductible. United (GR) was off the charts. Assurant I don't even bother in Texas.

That is a good deal for a loaded plan with 1st dollar benefits.