Health Insurance
Looking for health insurance, as we are retiring early. I am 59 and my wife is 58, both in good health. Need something that would cover us in any state with all the traveling. Right now we are livi...
Forum Discussion
Big Katuna wrote:
BCBS is a combine of something like 39 different agencies. It's hard enough dealing with one.
My independent agent said they were fine if you didn't travel.
Sounds like your independent agent has found insurers that pay a higer commission than BCBS. Even if the % is the same, if the premium is higher the commission is higher. BCBS is a nonprofit, so they aren't profit motivated, thus lower premiums and lower commissions.
EDIT You don't deal with 39 different agencies. You only have a contract with one. ALL CLAIMS are automatically forwarded to your servicing agency and all statements and correspondence comes from your home BCBS.
EDIT 2 My residence is in Michigan. My BCBS is Illinois, because my previous employer is headquartered there. We have NEVER even seen a doctor in Illinois. The out of state residence is transparent. Michigan doctors and hospitals treat us as if we have BCBS of Michigan. The same is true for doctors and hospitals in Florida.
