With health plans from Florida Blue, you’ll have all the benefits of the Affordable Care Act, plus so much more. BlueOptions offers the largest choice of health care providers, help at every turn and flexible coverage no matter where you go.
Deductible: If a deductible applies to certain doctors visits or prescription drugs, it means that you’ll pay the full member rate for your visit or script until the total of all those costs add up to your deductible amount. After you reach your deductible, then you may pay a portion of the cost, called coinsurance (%) or a copay.
Copay: A fixed amount you pay for a covered health care service usually at the time of the visit. You may (or may not) have to meet a deductible first.
Coinsurance: A percentage of the cost you pay for covered medical services (20% for example) after you have paid the deductible amount.
In-Network: A group of doctors, hospitals and other health care providers that offer our members pre-negotiated rates (known as the Allowed Amount), so you pay less out-of-pocket.
Out-of-Network: Health care providers that are not part of the BlueOptions’ network are “out-of-network.” When you go to these providers, you’ll be responsible for your plan’s out-of-network deductible, copay and/or coinsurance. If their charge is more than Florida Blue’s negotiated Allowed Amount, they may balance bill you for the difference. For example, this can happen if you're at an in-network facility and you're treated by an out-of-network provider, like an anesthesiologist or radiologist.
Buying health coverage can be confusing. It helps to talk with the experts at Florida Blue.
We make it easy! Whether you have a subsidy or not, we can help you enroll in a Florida Blue plan. Get the answers you need to have coverage that's best for you and your budget. Call today!
Health insurance is offered by Blue Cross and Blue Shield of Florida Inc., DBA Florida Blue, an Independent Licensee of the Blue Cross and Blue Shield Association.
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 benefts selected. For costs and complete details contact your local agent or Florida Blue. Networks are made up of independent contracted heath care providers. Blue365® offers access to savings on items that members may purchase directly from independent vendors.
Blue365 does not include items covered under your policies with Florida Blue or any applicable federal health care program. To find out what is covered under your policies, call Florida Blue. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither BCBSA nor any local Blue company recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. For more information about Blue365, go to floridablue.com.
We comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. You may access the Nondiscrimination and Accessibility notice here.
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