Group

Healthcare Coverage

Health care reform changed the benefits you can offer to employees with your health benefit plan. Be informed of changes to your plan before it renews, so you can make the best decision for your employees’ health coverage.

What are my options?

Choose from a variety of products and plans for Small groups.

Smaller employer groups may choose to:

  • Keep offering your current group plan coverage.
  • Direct your employees to Florida Blue. We can help them compare plans and choose a plan from the Marketplace or from Florida Blue directly.

Talk to your agent or sales representative to understand your options

Larger employer groups may choose to:

  • Keep offering your current group plan coverage.
  • Add insurance coverage that meets the government’s standard of “minimum value” and “affordability.”

Talk to your agent or sales representative to understand your options.

Small groups plan options include:

BlueCare

BlueCare HMO health benefit plans offer comprehensive medical and prescription drug coverage with access to the personal support you can use to make informed health care decisions. By utilizing an extensive provider network, members choose a primary care physician who helps support their medical care. Also, as long as you stay in-network, you’ll have access to services from a variety of specialists (no referrals required), hospitals, and other health care providers. However, out-of-network services are not covered unless related to an emergency. Pediatric dental and vision coverage are also available.

BlueOptions

BlueOptions (PPO/EPO) health benefit plans offer comprehensive medical and prescription drug coverage with maximum flexibility and access to excellent physicians and hospitals. Pediatric dental and vision services are also available. Members have coverage in-network or out-of-network for most services, but must use our exclusive networks, except for emergency services and care for prescription drugs and pediatric dental and vision services.

BlueSelect

BlueSelect PPO/EPO health benefit plans offer comprehensive community-based health care and prescription drug coverage that is affordable and easy-to-use. Members have coverage for most services in- and out-of-network, but must use our exclusive providers, except for emergency services and care, for prescription drugs, and other services including pediatric dental and vision, durable medical equipment and supplies, home health services, and lab tests.

Financial Products for Small Groups

A Health Savings Account (HSA) is a tax-free savings account that works with our BlueOptions and BlueCare HSA-Compatible Plans to help an employee pay their insurance deductibles and qualified out-of-pocket medical expenses.

A Flexible Spending Account (FSA) is a benefits program that an employer can offers to help employees save on what they pay for medical, dental, vision, child, and/or elder care as well as on taxes. It’s sometimes called a cafeteria plan or health care or dependent-care reimbursement account.

A Health Reimbursement Arrangement (HRA) is an account that employers can provide to its employees. The employees use this account for reimbursements on qualified medical expenses. Unlike Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs), Health Reimbursement Accounts (HRAs) are both owned and funded by the employee.