What Would You Do if You Were Me?

[FLM2]

I was affiliated with Florida Blue until recently. A few years ago I contracted with an agency in Jacksonville after they e-mailed me about becoming an agent. I sold about 50 MAPD's while under their hierarchy. Late last year I moved my appointment to a local Florida Blue CGA. Before I did I asked the man in Jacksonville if I would lose my renewals. He stated " I would never take earnings away from an agent". Well he lied. I have found out that the AOR has been changed on all of the policies that I wrote and I have not received any renewals. Should I accept the fact that I have lost over $10,000 in renewal income?

You have no recourse, it's the Florida Blue casino and the only winners are the CGA's.

In your case, you voluntarily walked away from the original CGA-many agents have been terminated in the past two years by Blue for a variety of reasons and the CGA keeps all commissions, it's a stacked deck against the agent community by the worst insurance company in the U.S.

 

[sman]

You have no recourse, it's the Florida Blue casino and the only winners are the CGA's

How does one become a CGA in Florida? Sounds like a good gig to have. Even for the honest folks.

 

[FLM2]

How does one become a CGA in Florida? Sounds like a good gig to have. Even for the honest folks.

Only if you like screwing other people as an integral part of your business...

 

[sman]

Only if you like screwing other people as an integral part of your business...

So there are no honest CGA's?

 

[MatthewC]

Billyb - I too am in Florida and have had to sue to get severence pay due. There are attorneys that specialize in this. If you need a name of one that will work for you send me a private message. In most cases you will get some dollars back, even if you have to pay 1/3rd to an attorney.

Even if the you left yourself vulnerable, the last thing a CGA wants is a reputation for being greedy and dishonest with his downline. That can hurt his efforts to line up more suckers. Anything you can do to make this a public embarrasment to him will put pressure on him.

 

[FLM2]

So there are no honest CGA's?

I can only speak for the ones I have encountered (3), they definitely don't fall into the 'honest' side of the equation.

 

[bill3173]

In those cases the agent has an "arrangement", with the managing agent. You're always skating on thin ice, which is eventually going to break. If it makes you feel any better, there's a good chance (over 100%), he was going to stop paying you any way, whether you left or not.

You may could get a few extra months by washing his car and driving his daughter to piano lessons, but even then...the ax falls sooner or later.

 

[sman]

I can only speak for the ones I have encountered (3), they definitely don't fall into the 'honest' side of the equation.

Too many douche bags in this business. So the only way to get appointed with Blue in Florida is through one of these CGA's? You'd think enough people would get fed up with it and nobody would want to do business with Blue after a while.

 

[YouGotMyMoney]

You'd think enough people would get fed up with it and nobody would want to do business with Blue after a while.

You could say the same about Obamacare & The Exchange. Plenty of new suckers get licensed everyday, plus if you don't sell FL Blue what are you left with? UHC MAPD? In FL, top 3 are Humana (No Phone Sales) , FL Blue and UHC MAPD.

 

[sman]

You could say the same about Obamacare & The Exchange. Plenty of new suckers get licensed everyday, plus if you don't sell FL Blue what are you left with? UHC MAPD? In FL, top 3 are Humana (No Phone Sales) , FL Blue and UHC MAPD.

Oh I get it. I really do. I just can't believe Blue washes their hands of any responsibility. Oh wait, yes I can. It's the Blue way.

I'm thankful Blue isn't competitive here. Although I do get a nice check from them every month. But that was a fluke. Kind of a long story so I won't bore anyone with it.