Health Benefit Plans

Everyone deserves quality health care that’s affordable — with valuable, personalized services to help achieve their overall wellness goals.


With almost 70 years experience, Florida Blue is one of the largest insurers in Florida. Everyone can expect quality health coverage, plus extra guidance and support to make decisions that are best for themselves and their family.


Shop plans for every  lifestyle:

  • A variety of plans with in and out-of-network coverage options
    - including plans in the Health Insurance Marketplace for Individuals and in the Small Business  Health Options Program (SHOP)
  • Broad provider networks or smaller networks for additional savings
  • Cost-sharing choices of copays, deductible and coinsurance, or a combination of both
  • Integrated solutions with a variety of tax-advantaged accounts, such as Health Savings Accounts, Flexible Spending Accounts or Health Reimbursement Accounts

Our health plans include:

  • The freedom to choose doctors. No referrals are required.
  • Preventive care provided in-network such as checkups, routine mammograms and covered screenings can be covered at no cost.
  • Prescription coverage for generic and brand name medications, plus the convenience of mail order.
  • Shopping tools for quality and cost estimates for medical services or prescription drugs.
  • Personalized care programs and coordination for diabetes, asthma, heart disease, high cholesterol, depression and more.
  • A 24-hour nurse line for unexpected and ongoing health care questions any time, day or night.
  • Free member discount program with savings up to 50% on gym memberships, nutrition programs, personal care and specialty products.
  • Pediatric dental and vision coverage with many of our plans.
  • Online health assistant tools for weight loss, exercise, smoking cessation, nutrition, stress and more.
  • A member website and mobile apps  for easy access to coverage details, health resources and cost-saving tools.
  • Superior customer service and care consultations by phone and in person at Florida Blue Centers located throughout Florida.


 

Florida Blue health plans give you a wide range of options that are flexible enough for every budget. Expect a quality network1 of health care providers—whether it’s a BlueOptions plan with the largest network or a BlueSelect plan with a smaller network. Our Exclusive Provider network is an even smaller network used for certain services and it helps to keep costs down.


 

Network Comparison

  BlueOptions
(PPO/EPO)
BlueCare
(HMO)
BlueSelect
(PPO/EPO)
Where in Florida All 67 counties 45 of 67 counties 32 of 67 counties
Network Size3
  • Over 36,000 physicians
  • 250 hospitals
  • Over 60,000 pharmacies nationwide
  • Over 29,000 physicians
  • 231 hospitals
  • Over 60,000 pharmacies nationwide
  • Over 13,000 physicians
  • 79 hospitals
  • Over 60,000 pharmacies nationwide
Pharmacy Coverage
  • All major pharmacies
  • Generic, brand and specialty
  • All major pharmacies
  • Generic, brand and specialty
  • All major pharmacies, except Walgreens
  • Generic and specialty. Brand only if Generic not available.
Out-of-network coverage in Florida Yes. For all covered services, except:
  • Prescription drugs
  • Vision and dental if part of health plan
For the services or supplies listed above, Florida Blue “Exclusive Providers” must be used or they will not be covered or paid by your plan (except when due to an emergency).
No. Only Emergency Room services. Yes. For all covered services, except:
  • Prescription drugs
  • Durable medical equipment and supplies
  • Home health
  • Lab tests
  • Vision and dental services when part of health plan
For the services or supplies listed above, Florida Blue “Exclusive Providers” must be used or they will not be covered or paid by your plan (except when due to an emergency).

Coverage outside Florida

Yes. Worldwide coverage through participating BlueCard providers.

No. Only Emergency Room and Urgent Care Services.

Yes. Worldwide coverage through participating BlueCard providers.

Monthly Premiums
Based on similar benefits
$$$ $$ $
In Citrus county, some BlueSelect plans may cost Okaloosa counties, some BlueCare plans may more than a comparable BlueCare plan. In Bay and cost more than a comparable BlueOptions plan.


 

1The provider networks are subject to change without notice. They are made up of independently contracted physicians, hospitals, and ancillary providers. BlueOptions and BlueSelect are offered by Florida Blue, a trade name of Blue Cross and Blue Shield of Florida, Inc. BlueCare is offered by Florida Blue HMO, a trade name of Health Options, Inc., an affiliate of Florida Blue.


 


 

In-Network Plan Family Comparison

Choose from three plan1 families within each network Essential (with or without HSA) Plans Everyday Health Plans All Copay Plans
No deductible.   2
Most copays. Deductible applies to some services.    
A deductible for most services and an HSA option.    
Prescription coverage with $4 generics, plus free generic preventive medicine by mail order.
Free preventive and wellness visits.
Free pediatric dental and vision services with some plans


 

1Policies have limitations and exclusions. The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected.

2Subsidy eligible individuals may qualify for plans without a deductible.



Blue Cross and Blue Shield of Florida offers only the high-deductible health benefit plan to be used in conjunction with the Health Savings Account (HSA). An HSA is an individual's account to manage in conjunction with HealthEquity, or any qualified financial institution or trustee of their choice. For more information on opening an HSA, the tax advantages of doing so, and the important tax implications of HSAs as used with a high-deductible health benefit plan, please contact a tax advisor or a financial institution.