How can Blue help you?

It's your choice.  Florida health insurance is made so easy and accessible by the Florida Blue Cross Blue Shield plans. We're customizing solutions that help you stay healthy and in control of your health care options. BlueOptions, our latest generation of health care benefits, offers affordable, flexible coverage you can appreciate.

Choose from a variety of plans designed to fit your life, your lifestyle and your health care needs. We have limited benefit plans, predictable cost plans, plans with tax incentives and lower-cost plans available for where you are today. Plus, with BlueOptions, you have access to our strong, innovative provider network (NetworkBlue) and comprehensive support services, including personalized care programs and tools important for making informed health care decisions.

The new Blue revolves around you. Learn more about our plans and contact your sales agent, or one of our licensed representatives, today. Click on the links below to learn more about each plan type:

Plans at a Glance

Predictable Cost Plans

Predictable Cost Plans offer tried-and-trusted coverage with predictable copayments, calendar year deductibles and coinsurance amounts. They are perfect if you want to know your costs upfront so you can make informed health care decisions.

• BlueOptions Conventional Plans
  BlueOptions Conventional Plans offer comprehensive medical coverage at an affordable cost. Plans offer well care and preventative care with no deductibles, and a comprehensive pharmacy program for brand name and generic prescription drugs. There are no referrals required, and you can maximize your savings by using our extensive provider network, NetworkBlue. Other benefits include:
  
  
  • A variety of deductibles to choose from
  • Low, predictable copayments for network physician office visits and fixed copayments on other covered services from select providers
  • Coverage for outpatient therapies (speech, physical, occupational, cardiac, massage and spinal therapies included)

  Plus, you can add maternity benefits, and child only coverage is available for children aged one to 17.

• BlueOptions Health and Dental Plans
  BlueOptions health and dental options - combined into one affordable plan. They're perfect when you want to know your costs upfront so you can make informed health care decisions. Enjoy benefits such as:
  
  
  • No maximum on the preventive adult wellness benefits
  • Preventative dental check-ups and routine cleanings for little or no cost to you
  • $15 copay for generic prescriptions, including contraceptives

  Plus, get discounts on teeth whitening and on value-added benefits like orthodontic and cosmetic programs

• BlueOptions Temporary Insurance
  BlueOptions Temporary Insurance was designed specifically for individuals between jobs, just starting out or waiting for benefits to kick-in with a new employer. Temporary Insurance coverage offers major medical benefits in increments of 30, 60, 90 or 180 days, with an option to renew up to a maximum of 180 days per 12-month period. This plan includes coverage for a full range of hospital and physician services with no referrals, and you can choose any provider or facility, in-network (NetworkBlue) or out-of network, with more cost savings when you use network providers. Other benefits include:
  
  
  • Tiered options for NetworkBlue hospitals for added cost savings and predictability
  • Pharmacy program with discounts on all generic and brand name prescription drugs at participating pharmacies

  Plus, this policy is available without medical underwriting and is considered Creditable Coverage for when you are ready for long-term health coverage from BCBSF.

HSA - Compatible Plans

Looking for a less taxing route? Try one of our high-deductible plans that are compatible with tax-deductible Health Savings Accounts (HSA). BlueOptions HSA-Compatible Plans allow you to use tax-free contributions to help cover out-of-pocket health care expenses, including qualified deductibles, copayments and coinsurance. Plans offer lower premiums and more cost sharing for covered services because of the higher deductibles that are covered by HSA contributions. HSA accounts are portable, so you can take it with you if you change jobs. Other benefits include:

• Choice of 0% to 20% coinsurance after calendar year deductible is satisfied
• Pharmacy program choice of low copayment for generic prescription drugs or discount program for virtually all prescription drugs
• Available child only coverage for children ages one to 17

HSAs offer three ways to save: tax deductions on contributions; tax-free interest and investment gains; and tax-free withdrawals for qualified medical expenses. It's a smart way to save on health insurance costs.

Lower Cost Plans

BlueOptions Lower Cost Plans are lower cost, but not lower value. Plans offer comprehensive medical coverage with lower premiums than conventional plans, made possible with higher out-of-pocket limits and cost-sharing features. Coverage includes well care and preventative care with no deductibles and, as with all BlueOptions plans, there are no referrals required - even for specialist physicians. Plans include predictable copayments for covered services and options for catastrophic coverage for hospitalization, surgeries and related services. A comprehensive pharmacy program for brand name and generic prescription drugs is also available. Other benefits include:

• 50% coinsurance on covered services for in- and out-of-network services
• Low copayments for network physician office visits
• Coverage for outpatient therapies (speech, physical, occupational, cardiac, massage and spinal therapies included)

Plus, on some plans you can add maternity benefits, and child only coverage is available for children aged one to 17.

Limited Benefit Plans

These lower-priced plans are great if you appreciate the value of medical coverage, but don't want to pay for benefits you might not use. They provide peace-of-mind with coverage that's there when it's needed most.

• Plans with Hospital and Surgical Coverage
  BlueOptions Hospital and Surgical Coverage is a Limited Benefit Plan that offers "catastrophic" coverage for major illnesses and emergencies requiring hospitalization or surgery. It's perfect for healthy individuals and families who don't visit the doctor often or take many prescription drugs, but want benefits for inpatient and outpatient hospital charges and physician services for covered hospital admissions. Well-child care physician visits are included, as well as diagnostic services related to surgery (X-rays, ultrasounds and CAT scans). HSA-Compatible plans are also available under this plan. Other benefits include:
  
  
  • Emergency room trips, even if you are not admitted to the hospital or if no surgical services were performed
  • Pharmacy program with discounts on generic prescription drugs
  • Child only coverage for children ages one to 17

  And, as with all BlueOptions health plans, you can choose an in-network (NetworkBlue) or out-of-network provider or facility, with greater savings if you stay within the network. The choice is yours.

• BlueOptions Essentials - Routine Care
  BlueOptions Essentials - Routine Care is a Limited Benefit Plan that offers basic - but very important - coverage for routine medical needs. This plan covers a certain number of physician visits, per covered member. You can also take advantage of adult and child wellness visits, and other services up to a benefit maximum of $25,000 per person, per year. You can see any provider without requiring a referral. Other benefits include:
  
  
  • Six physician office visits/services - per person, per calendar year
  • Substance abuse therapy
  • Pharmacy program with discounts on generic prescription drugs

  Plus, you can add maternity benefits, and child only coverage is available for children aged one to 17.