Marcus Thomson, Licensed Insurance Advisor

Wednesday, February 22, 2017

Walgreens Points

For many of us, switching over to Walgreens has been a pain. Hopefully this makes it better (keep scrolling for the coupon):

Monday, January 16, 2017


These are common questions I receive from customers on a daily basis and answers to them.

Q:  Where are my health insurance cards?
A:  Did you make your initial payment and did you see it come out of your account?
  • Make a payment by calling Florida Blue at 1-800-FLA-BLUE (352-2583)
  • If "Yes," please verify the address was entered correctly from your Eligibility Notice and your Florida Blue application. As your agent, I always send those files after the application is complete.
Q:  Why did my primary care physician change (PCP)?
A:  Sometimes Florida Blue's system changes it. We can fix that by calling Member Services. If you have a Blue Select or Blue Options plan, they do not have PCP because they are EPO. EPO works similar to a PPO with the main difference that if you go outside the network, the cost is much higher and will have a higher deductible.

Q:  Florida Blue has not paid the Doctor for my last visit?
A:  Many times when this happens, I find that the member is not current with their health insurance premium. if you do not pay for the health insurance premium for a month, Florida Blue is not going to pay for your doctor visit that month. Premium payments are due the first of the month with a 30 day grace period. We have seen Florida Blue extend that grace period much longer than 30 days many times. Please login to where you can see outstanding bills and make payments. 

Q:  Florida Blue is showing I owe more than what I should?
A:  If you are more than 2 months behind, the January payment and other payments may show the full un-subsidized amount. Once you have caught up your portion, the subsidy will be reapplied from 

Friday, January 13, 2017

Don't wait to the last minute. has a history of going down. Did you know as a licensed health insurance agent, I can enroll you, get your proper subsidy and you never have to look at the website?

Florida Blue (formerly known as Blue Cross & Blue Shield of Florida) has the lowest rates in most of Florida. Other companies have raised their rates or left the Marketplace all together while Florida Blue's rates have remained nearly unchanged. determines subsidies based on location, family size, age and income. In less than 10 minutes I can get you quoted and signed up. Give me a call at 407-494-1165 or fill out my online quote request form.
Policy Start Date   Deadlines
February 1st           January 15th
March 1st                January 31st

You may make changes to your coverage any time if you experience a life event such as marriage, divorce, birth, death, move, loss or gain or other coverage.

Monday, January 2, 2017

2017 Florida Blue Billing Update

I would like to pay my bill
Were you a customer of FL Blue in 2016 and have a current policy active with Blue Cross?
NO Before 1/1, we can review your selection and take a payment
Post 1/1, we can complete for 2/1
YES Did you complete a renewal of your policy?
Did you complete your renewal with a Blue Cross Agent?
YES Do you know your agents name (reference agent list) Please contact your agent that assisted you or wait for the bill to be sent to your email or mail.  The bills have been delayed and you will have ample tile to pay and once payment is received you will have claims paid.  You may be required to fill out a claim form.
NO They I can assist you in making sure that all is correct (do an active renewal for 2/1) in IST and they should wait for the Ebill or mailed bill to pay January.  If you do not see a bill by 1/7 please let us know so that
I have not gotten a bill yet for 2017
**Please be advised that it is best to wait until you get a bill to try and pay.  Calling without a bill can cause issues and a poor experience.  There is an extension for bills to be paid till 1/31 for a 1/1 effective date. We advise waiting to get the bill which will come via email or regular mail depending on your selection with your application.
Did you complete a selection of plan for 2017?
YES Did you do this with a Blue agent or marketplace?
Blue Agent Then please contact the assisting agent or FL Blue Directly
Marketplace TBD……
NO I would be happy to help you for your selection of 2/1
I was auto assigned to Blue Cross
Did you take any action or pay the bill that was sent? Was the bill $0?
Bill was $0
YES- I paid 1/1 Bill
Then I would advise you contact FL Blue directly- we are the sales and enrollment office.
NO Do you need coverage effective for 1/1 or is 2/1 acceptable?
1/1- you will need to pay the bill that was assigned to you and for further assistance please contact FL Blue directly.
2/1- I can assist you in getting the correct plan for 2/1
YES If you did pay the bill that was sent please contact blue cross directly for assistance- unfortunately we cannot help with that policy.

I have a payment for December and did not get a bill how do I pay?
Did you complete your renewal for 2017?
NO Well let’s check everything out for you and make sure all correct- this way if there is a problem with the 2016 it will not affect the 17
YES Did you do this with an agent or marketplace?
Marketplace- Let me check it and we can make sure you are in the right plan for 2/1
Blue Agent- Please contact the agent that assisted you - Since you had a policy in 2016, I would advise logging into your member account on FL Blue, and making the payment.
I just want to pay my bill
In most cases if you have already completed the application with your agent the bill is on its way.  There has been an extension for you to make payment. You will have till 1/31 to pay in most cases.
I have paid my bill and I have not gotten ID Cards
Membership and Billing is producing cards and sending them out.  Your agent that assisted you with your insurance can pull a temp ID card for you for immediate needs.
I have no ID cards, Completed an application, cannot pay and I need care.
Did you complete your application with one of our agents? If Yes, then I can direct you back to the agent if no please call Floridablue directly and tell them that you have access to care issues.
I just got a bill and it is not the correct amount?
Please do be alarmed.  Many bills that were sent out had errors.  We would not advise paying the wrong billed amount.  Fl Blue is regenerating incorrect bills and we will be communicating to all members the corrected amount.  Also please remember that payment time has been extended to 1/31.
I got my bill (have my contract number) and I still cannot make my payment
Did you try the VUE Bill link?
I log into my member account and the bill is wrong
Did you redo your application possibly?
Did you have a past due payment that was added to the amount?
My 2017 plan is not listed in my member account for payment

Please wait till you get a bill via email or mail to pay your bill.
I made a payment and then I changed my plan-where and what is happening to my payment?
If you stayed in the same network the monies should be applied to your new plan.  If you changed networks you will need to pay once you get a bill via email or regular mail depending on what you and your agent choose as method of delivery.
I called Blue Cross and they cannot find me in the system
Please do not be alarmed.  You will be getting a BILL via Mail or EMAIL based on what you selected.  You will have until 1/31 to make a payment for your 1/1 effective date.
I was supposed to have a payment for my policy come out and it did not?
If the payment was due to be drafted more than 7 days ago- you should process a new payment.  Did you get a bill yet?  If you did not get a bill yet then the best advice is to wait for the bill and we can make a payment then.   If you have your contract number we can assit in making that payment.  VUE BILL LINK

Thursday, December 31, 2015

Delta Dental

I am appointed with Delta Dental to offer their plans. I found today that the coverage that I can offer has more benefits than what is shown on their website and there is no waiting periods for the HMO coverage because I can help someone enroll in our group coverage.

Coverage Highlights


Search for a Dentist

Sign Up

Tuesday, December 8, 2015

Dental Coverage with Florida Blue

Your teeth are strong, but can cause some of the worse pain that doesn't go away when you don't take care of them. Unless you already have Dental Insurance, there is a 6 month waiting period before the plan pays for anything major like crowns or root canals. Almost all plans have your routine checkups included at no charge.

Teeth are important to your body, so check out these 3 plans and click Quote Request to let me know that you want to move forward. I have embeded the brochure for each on this page and included a link to the PDF for each in the title.

Non-Qualified Dental (HMO)

BlueDental QF Plan(PPO)

BlueDental Copayment QF Plan(PPO)

Quote Request

Sunday, December 6, 2015

Accident, Critical Illness and Hospital Confinement = Deductible Eliminator

During this open enrollment period, there are some great health insurance plans most people can get due to the subsidies from the government. I have seen some middle income families with higher incomes have to pay as much as $650/mo to get a health insurance policy without a deductible. That is very high considering they could get a policy with a higher deductible for around $230/month.

So I recommend anyone that doesn't typically use the health insurance more than preventative treatment to get a lower cost plan and cover up the deductibles and copays with supplemental coverage. Below I have embedded our Accident, Critical Illness and Hospital Confinement plans.

You don't have to have our health insurance policy to take advantage of any or all of these plans. And each plan has a Wellness Benefit that pays you just to get your annual checkup which is included in your health insurance plan at no cost to you. You can click on each plan to download the PDF on the plan. USAble Life is a subsidiary of Florida Blue.

If interested in any or all, please fill out the Quote Request form from one of the links on this page.

Accident Plan

Critical Illness - Cancer, Stroke, Heart Attack, End Stage Renal Disease,...

Hospital Confinement

 Quote Request