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Reply to Florida- Do You Have Something Better, and More     
Old 07-14-2017, 07:31 PM   #1
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Join Date: Jul 2017
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State: GeorgiaM is an Insurance Agent from Florida
Florida- Do You Have Something Better, and More Florida- Do You Have Something Better, and More
Hello. I am a licensed life agent in Florida but have not much experience with health coverage. As you read on, 4 people need a good Florida licensed health agent.

My nephew has a situation I am asking advice on, please. He is priority 1.

He is a 26 yr old med student with some type of college coverage. Deductible is $5500/$800, then 60/40 after that. Parents pay premium.

He fell in the gym playing basketball and injured his shoulder. His parents today paid cash for x-rays, MRI, arthrogram. They said cash price was less expensive than submitting to insurer. They will submit what they paid today towards the deductible. I am not sure any of us is thinking correctly about this.

He will probably need surgery on his shoulder.

Is there any other insurer that will now cover him? Is this a pre-existing condition (duh), and does it sound like he has adequate coverage now?

His father, my brother, thinks the deductible is high. I told him welcome to the real world. The father is retiring next month at age 65 and will need a med sup plan. They are in Volusia County. He will be getting Plan F or G, from what I can tell. Later on this. The mother is 64 and has been offered Cobra until next year when she turns 65. Can she do better with Obamacare? Or other insurer?

They do not qualify for any subsidies due to higher income. There is another adult son needing coverage also. Business for a good agent out there.

First things first...this med student who will need shoulder surgery. Is his college plan it, or is there something better out there? Thank you.
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Old 07-23-2017, 10:19 AM   #2
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Join Date: Jul 2017
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State: GeorgiaM is an Insurance Agent from Florida
Florida- Do You Have Something Better, and More Re: Florida- Do You Have Something Better, and More GeorgiaM is the thread starter for: Florida- Do You Have Something Better, and More

Thanks for the pm's, folks. This issue is probably solved, one way or the other. The proposed insured people are almost deciding to go with some unknown agent referred by a friend of the wife. I can only imagine.
I appreciate your offers of help.
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Old 07-23-2017, 06:45 PM   #3
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Join Date: Jun 2011
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State: johndf is an Insurance Agent from Undisclosed Location
Florida- Do You Have Something Better, and More Re: Florida- Do You Have Something Better, and More
The positive is they cannot blame you if things go sideways.
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