I'm going to be getting some referrals from NC in the next month. I've got an appointment w/Assurant for health, but I was wondering if any agents in NC had any input about other good companies to seek out. I tried BC/BS in NC but I understand they only appoint NC residents.
North Carolina Health Companies
- Thread starter saieddie
- Start date
- 184
What about Golden Rule?
- Thread starter
- #3
I haven't looked at them in NC. Do they have a pretty decent product there?
- 184
I dont sell under 65 health but I have some friends that say they are pretty good here. I would check them out.
- Thread starter
- #5
Thanks, sounds like a plan.
- 218
NC is a slaughterhouse for BCBS. They are almost impossible to beat. and they don't appoint non-resident licensed agents and they don't appoint new resident agents.
IT's a tough market.
IT's a tough market.
If that's the case, who do they appoint?
I just looked at the Blues down there in NC and you are going to have a tough time going against them if you can't build value into your plans. There are some limitations and caps on drugs and a few other services I don't like but their rates obliterate Assurant's.
I am wondering how NC can be one of Assurant's alleged top states... Must be a lot of "right" plans sold down there or perhaps it is zip specific.
schoolofhardknocks2
Expert
I've been an indpendent agent here in NC since 2001. As already mentioned, North Carolina is a tough state for ethical agents to sell in if they aren't appointed with BCBSNC. I've seen in other states where the blues aren't good companies or plans. Neither is true here. BCBSNC goes above and beyond for there members here. Not to mention the benefit levels and the most fair (no riders, etc.) underwriting, they simply can't be beat for 90% of applicants. I still offer other carriers as well, but they rarely fit the need of the client.
The only caps they have on rx's is for name brand. Even then, there is a catastrophic clause in the contract that gives coverage for drugs that are of higher cost.
Golden Rule is usually my second carrier with Assurant. Hope this info helps.
The only caps they have on rx's is for name brand. Even then, there is a catastrophic clause in the contract that gives coverage for drugs that are of higher cost.
Golden Rule is usually my second carrier with Assurant. Hope this info helps.
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