Blue Cross and Blue Shield of Florida

Coverage For Health

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Our health insurance plans include a wider range of benefits so that you can choose the plan that fits your life, right now. Whether you're looking for comprehensive coverage, or a plan that is compatible with a Health Savings Account, we have a plan to meet your needs.

Predictable Costs Plans

Whether you need a routine check-up, to see a specialist, or visit an urgent care facility, predictable cost plans can help you stretch your budget.  You choose from a variety of deductibles and out-of-pocket maximums and enjoy low, predictable copayments and coinsurance for covered services with no surprises.

BlueOptions Predictable Cost Plans give you access to NetworkBlue – our expansive statewide network of doctors and more. BlueSelect Predictable Cost Plans offer lower premiums because you utilize the BlueSelect community-focused network of doctors in the areas where you live, work and play. View a list of Florida Counties where BlueSelect is available.

Learn more about Predictable Cost Plans.

HSA-Compatible Plans

Millions of people put aside funds to cover out-of-pocket health care expenses in a tax-free Health Savings Account (HSA). Our BlueOptions HSA-compatible plans are designed to work with these innovative financial accounts— by offering major medical coverage with lower premiums achieved through cost-sharing and higher deductibles.


Learn more about HSA-Compatible Plans

 Lower Premium 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.

Our BlueOptions and BlueSelect Hospital and Surgical plans cover you for preventive services, major illnesses and emergencies requiring surgery or hospitalization. It’s perfect for healthy individuals who don’t visit the doctor often or take many prescription drugs, but still need protection from large medical costs.

Miami-Dade Blue offers quality, affordable health care coverage to individuals who work or live in Miami-Dade County.  From routine doctor’s visits, to dental care, to covered lab tests (free when using in-network providers) and hospital stays, you’ll have coverage for your family’s everyday needs—even unexpected events.

Learn more about Lower Premium Plans.

Value Plans with no Health Questions Asked

If you want simple and affordable health and dental coverage without the hassle of providing a medical history or medical tests, try one of our Value Plans with No Health Questions Asked. Plans are easy to apply for and you are guaranteed acceptance, which means you can’t be denied coverage. Value plans provide discounts on health care and dental services, and routine care coverage that won’t break the bank. Find the plan that’s right for you.

Cover Florida

Blue Cross and Blue Shield of Florida has partnered with the state of Florida to provide affordable health coverage including routine and preventive care benefits to millions of uninsured Floridians. Cover Florida is a limited benefit health plan that offers both catastrophic and non-catastrophic options. Eligibility requirements apply.

Learn more about Cover Florida

Over 65 and Medicare Eligible Health Insurance Plans

65 are the new 40.  Just because you're eligible for Medicare doesn't mean you have to retire.  These days, life after 65 is all about staying active.  Whether you're still going strong at work, starting a new career or spending more time traveling, your life is probably a lot different from your grandparents when they retired.  At BCBSF, we believe your health insurance should reflect your needs and your life.  Not someone else’s.  So we offer a variety of choices that help you enjoy life.
 
Learn more about our Medicare Eligible Health Plans

Health Coverage for Your Company

Explore the numerous health plan options available to employer groups.

Learn more about Employer Group Health Coverage

Pharmacy Coverage

Blue Cross and Blue Shield of Florida pharmacy programs help you control rising prescription drug costs for your family through our extensive networks of participating pharmacies. Most of our health plans have pharmacy programs associated with them. Learn more about pharmacy programs.

Learn more about our Pharmacy programs

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Health is offered by Blue Cross and Blue Shield of Florida, Inc. (BCBSF). Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., an affiliate of BCBSF. Workers' Comp is offered by Comp Options, Inc. d/b/a OptaComp, a subsidiary of BCBSF. All companies are Independent Licensees of the Blue Cross and Blue Shield Association.

Blue Cross and Blue Shield of Florida, Inc., and its wholly owned subsidiary Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits, in the state of Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.

Our Medicare Supplement insurance policies are not connected with or endorsed by the US Government or the Federal Medicare Program. These policies 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.
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© 2009 Blue Cross and Blue Shield of Florida, Inc.