Marcus Thomson, Licensed Insurance Advisor

Saturday, February 6, 2016

Now What (Top Questions Answered)

The open enrollment has ended with Healthcare.gov and your agent (if not me) most likely has done their part if you received your confirmations from the Florida Blue and your Eligibility Notice from the Marketplace. You should receive a welcome letter about 3 days after you are signed up and your health insurance cards 2 weeks after Florida Blue has received your first month's premium payment.

Q: Where are my health insurance cards?

A: Did you see the first month's premium come out of your account?

  • If yes, you should receive them within 2 weeks from that payment date unless there is a problem with billing. If it is over 2 weeks, contact your agent quickly and have a print out of your account ready to send him.
  • If no, you need to make a payment by calling Florida Blue. There are 2 numbers:
    • 855-805-8175 Option 1. This is an automated system, please do not press 0 or you will be on hold forever. Use the phone number that was given to us upon application submission and you should be good to go! 
    • 855-520-5736 gets you a live person who can make your payment. Please have your Florida Blue application number on had from your confirmation email.
    • Click to see the Payment Confirmation page for what to do next.

Q: When I called to make a payment, they said I don't have a policy to pay?

A: It might have been past the 30 day grace period. In which case, you need to contact your agent and he can try to get it fixed for you with Florida Blue and/or the Marketplace.

Q: Is Dental included in my plan?
A: Generally No. There are many Dental Plans available through Florida Blue and other carriers. My 3 favorite plans are:
  1. BlueDental Care HMO - $12.99/mo per person with an initial $35 application fee per family. This plan has similar benefits to the PPO, just not as many dentist take it as the larger PPO. Routine checkups are included. Quote/Sign Up
  2. BlueDental CoPayment PPO - $25.35/mo per person with no application fee. Like the HMO, has waiting period for major things, but basic check ups are included. Quote/Sign Up.
  3. Delta Dental - They have a few different plans, but the HMO is preferred as it has no waiting period for anything. People like this for that reason, but there are still co-payments for everything. This one is $44.95/month plus an application fee of $55. 

Q: What about life insurance?

A:  Coming soon. Check back as I will replace this answer with a link to my life insurance page.


Thursday, January 28, 2016

Healthcare.gov Made Easy

Like you, I found the Healthcare.gov website to be a mess. There are so many questions just to get a quote and then you have to go back to the beginning because you thought you might have entered something incorrectly.

As a licensed health insurance agent who is trained to help people get their health insurance during this open enrollment period, I need less than 10 minutes to get you a quote and gather your information to get your health insurance complete through Healthcare.gov and the popular health insurance company in Florida, Florida Blue (formerly Blue Cross and Blue Shield of Florida).
Florida Blue has the lowest rates in most of Florida.

I will be working all day everyday through 9pm January 31st to help people get their coverage started. What are you waiting for?

You can call me with my mobile business card at http://bluemarcus.goto.co or fill out my Quote Request if after hours.

Monday, January 25, 2016


Don't wait to the last minute.

Healthcare.gov 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.

Healthcare.gov 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.

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



Pricing


Search for a Dentist

Sign Up

Tuesday, December 8, 2015

Dental Coverage with Blue Cross Blue Shield of Florida

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 2 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)



Blue Dental Copayment (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 

Saturday, December 5, 2015

Time is running out! Enroll by January 31st


I am working everyday to help people get enrolled for their health insurance for 2016. I had a young lady who felt compelled not only to not answer my phone call, but text me back that she didn't want to get coverage that cost $600/month that nobody took. The text conversation got a little heated, but she was basing this opinion on reviews that she read about Florida Blue. 

We all know that the bigger a company is, the more complaints as you can find complaints about every Wal-Mart and McDonald's. I explained to her that most people that I help get coverage pay less than $50/month for their coverage. As your agent, I will explain the different coverage and can look up doctors to find out who takes what. For example, Florida Hospitals are everywhere in Orlando and they do not take the MyBlue HMO plan. I let my customers know that if that is the lower cost plan in the area as you do not get that kind of advice when signing up through the HealthCare.gov website. 

I created her quote and emailed it to her. Below is a snapshot summary of it and you can click here for the full PDF link.

Submit a Quote Request and I will get working for you.