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With BlueOptions, you have the largest choice of health care providers and flexible coverage no matter where you go. Whether you stay close to home or travel worldwide, we've got you covered.

Check out My Benefits and this short video to find out if BlueOptions is the right plan for you and your family!

Get to know how your plan works.

Deductible: The dollar amount you pay each calendar year before insurance begins to pay for certain health services. You pay the plan deductible first then coinsurance (%) or a copay may apply. Some services don’t have a deductible, such as wellness checkups, immunizations and medication for certain health conditions. Check My Benefits for details.

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. Check My Benefits for details.

Coinsurance: A percentage of the cost you pay for covered medical services (20% for example) after you have paid the deductible amount. Check My Benefits for details.

In-Network: A group of physicians, hospitals and other health care providers that offer our members discounted rates (known as the Allowed Amount), so you pay less out-of-pocket.

12 Reasons BlueOptions is a Great Choice


  • $0 Preventive and Wellness Care
  • Our largest network of health care providers
  • All the coverage and benefits of the Affordable Care Act


  • Consultants to explain your benefits and costs
  • Health programs and services
  • A 24-hour nurseline


  • A Florida Blue family that's been here for over 70 years
  • Lower out-of-pocket costs from plan providers
  • Discounts up to 50% on gym memberships, nutrition programs and more


  • Your personal member account on any mobile device
  • 24/7 automated information by phone
  • Walk-in services at Florida Blue Centers

Buying health coverage can be confusing. That's why 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, so you have a plan that works best for you and your budget.