Healthcare Coverage

Individuals & Families
Health Insurance

Why Do I need it?

Health insurance pays part of the cost of medical care when you need it. You pay a premium every month, and you have peace of mind knowing that if you need unexpected medical care, you won’t be responsible for paying the whole cost of the bill. You may have to pay a deductible first. After the deductible is met, health insurance pays for most of the cost for medical care, such as doctor or hospital visits, prescription drugs, tests, maternity care, and other health services you may

Most health plans also have wellness (or preventive) services to help keep you healthy at no additional cost. These include visits such as annual checkups, mammograms, and vaccines.

Choose from several different health products that are available to you:

All plans offer the same essential health benefits, but the out-of-pocket cost and monthly premium amount differs with each plan.


BlueCare HMO plans

Large network with over 29,000 doctors, 231 hospitals and most major pharmacies required for prescription drugs. No coverage for out-of-network services or services outside of Florida, except in an emergency.


Available in select counties with over 11,000 doctors and over 100 hospitals, the plan connects you with all your health care services through your primary care doctor, including referrals to specialists. Choice of Walgreens and CliniSanitas pharmacies for prescription drugs in Florida. Urgent care or emergency services and prescriptions from Walgreen pharmacies are available anywhere, nationwide. Otherwise, no coverage for out-of-network services.

BlueOptions PPO/EPO plans

Our largest network with over 36,000 doctors, 250 hospitals and most major retail pharmacy chains. Out-of-network coverage in or outside of Florida for most services; select pharmacies required for prescription drugs.

BlueSelect PPO/EPO plans

Over 13,000 doctors, 79 hospitals and most major retail pharmacy chains. Out-of-network coverage in or outside of Florida for most services; select health care providers or suppliers required for prescription drugs, lab tests, home health services, and durable medical equipment.

Adding dependents
Get more with Florida Blue
2017 Subsidies

If you wish to add dependents under the age of 19* to your Florida Blue health-only plan, Florida Blue, in accordance with the provisions of the Affordable Care Act, is required to ask you to demonstrate that you first have coverage for pediatric dental services. To get pediatric coverage you can:
• Choose a health plan that includes pediatric dental coverage as part of the policy, or
• Purchase a separate pediatric dental plan, which is also offered through Florida Blue

Florida Blue offers members a broad range of services and programs that are not only convenient, but help save money on many health care needs.

Once you enroll in a Florida Blue plan and receive your member ID card, you can register your account online at Everything you need to know about your health coverage is at your fingertips 24/7. From claims status and benefit details to finding doctors, health improvement tools, convenient bill pay options and ways to save money. You will have access to your health information whenever you need it. Your online account is also accessible from your smart phone or tablet.

If you currently get a subsidy, later this year the government will determine the amount of your 2017 subsidy, or “advance premium tax credit,” and you’ll renew into your 2017 health plan.

If you have taken the steps the government requires, you will be automatically enrolled in your new 2017 health plan and, if you are still eligible, your subsidy will start automatically January 1st.

Florida Blue Members

Take advantage of all these extras:
  • Member Discounts1: Blue365® is an online member-only discount program that provides substantial savings on health and wellness products and services including:
    • Fitness Club Memberships
    • Exercise Footwear And Apparel
    • Weight Loss Management
    • Vision Care, Glasses And Contact Lenses
    • Hearing Aids And Care
    • Family Care And Elder Care Services
  • Cost Savings: Compare costs and quality of medical services before you go to the doctor with Florida Blue’s online cost estimator. And while your prescription coverage is designed to keep your out-of-pocket expenses to a minimum, you will pay a lower price for many prescriptions at Walgreens.
  • Care Consultants: Get help understanding your benefits and how to shop for the most cost effective, quality care. If you’re planning a medical procedure or dealing with a health condition such as diabetes or COPD, help is available. Florida Blue Care Consultants are experts at connecting you with a dedicated nurse, explaining care and treatment options, and helping you save money along the way.
  • Nurseline2: Get answers to questions 24/7 on common symptoms and illnesses ranging from children’s health and allergies, to diabetes, diagnostic testing and heart conditions. Special programs and online information are/is also available to help you manage these conditions.
  • Health and Wellness Programs: Most Individual Under-65 health plans (except myBlue) include self-paced interactive programs to help members meet their health goals for weight management, emotional health, stress management, nutrition, smoking cessation and exercise. An online health assistant and tools to track progress helps each member optimize their results.
  • Personal Health Record: You can establish a secure, electronic, portable way to gather, store, manage and share your health information all in one place. Keep track of doctor visits, medical conditions, surgeries, allergies, immunizations and other helpful information through your online account.
  • Member Health Statement: Get a monthly overview of claims, costs and savings. Go green and choose to receive your statement electronically. You can also create custom reports by date, claim type, covered members and other options to print only what you need at tax time.

Enroll in a Florida Blue plan today!

Ference Insurance can help you find a Florida Blue plan specifically for you and your family.
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