Governor Charlie Crist claims that his new Cover Florida Plans are going to provide the coverage that low income Floridians have been in desperate need of, however, experts are more than skeptical about these claims. For one thing, they are only available to those who have been without coverage for 6 months, or have been recently laid off. Also, the preventative plan offers limited doctor visits and prescription drugs, but people with real need will quickly use up these benefits and are subject to high deductibles and copays. As far as the catostrophic plans go, they offer limited caps for yearly and lifetime benefits, and even those which offer higher caps, the daily caps are very small. People in a real emergency will be subject to a high decductible, and then quickly max out their benefits, leaving those already in financial hardship potentially bankrupt. So the plans will essentially weed out those with the highest needs, and basically fail to satisfy the audience which it claims to target. Do you think there is any worth in these plans, or are the skeptics correct in their criticism?
Well, I supose having had no insurance for 6 months or having been laid off could qualify as desparate. And while the plan benefits appear to be “substandard” they do provide some releif, albeit not maximum releif, where there was none before. If the objective is to provide full-blown health benefits for 1/2 the going rate to persons in “real” need, let’s not hold our breath. On whose dime can you provide everything to everybody all of the time?
These plans are worthless. The premiums are ridiculously priced for the benefits received.
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Our Insurance Agency is a Contracted General Agency for Blue Cross Blue Shield of Florida. I must disagree that these plans are horrible. The catastrophic plan is very reasonably priced and offers a very good feature vs cost mix. These were not intended to be almost free plans with all the bells and whistles. That would be impossible and financially impossible. I suggest that you email or call our agency if you would like to see the actual benefit matrix for the plans that Blue Cross Blue Shield of Florida offers. We even offer other plans that are not guarantee issue at better price points.
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