Fl Blue Private Insurance: Is It Worth The Cost?

Florida Blue is a health insurance company that offers a range of health plans to individuals, families, and businesses in Florida. Their plans include virtual care options, rewards for making healthy choices, and access to a large network of doctors and hospitals. Florida Blue also provides international travel health insurance through GeoBlue® and offers health solutions such as health assessments, wellness education classes, and timely appointments with mental health professionals. The company is committed to championing Florida's health and helping people and communities achieve better health.

Medicare Member Resources

Florida Blue provides a wide range of Medicare Member Resources to help you navigate your health plan and make the most of your benefits. Here's a detailed breakdown of the resources available:

Understanding Medicare

Medicare can be confusing, so it's important to have access to clear and accurate information. Florida Blue offers educational resources to help you understand the ins and outs of Medicare. This includes information on eligibility requirements and enrollment processes, so you can be sure you're making the right choices for your healthcare needs.

Picking the Right Plan

Florida Blue offers a variety of Medicare plans, including Part C: Medicare Advantage, Part C: Special Needs (D-SNP), and Part D: Prescription Drug plans. They provide resources to help you navigate the different options and select the plan that best suits your unique needs. This includes the opportunity to connect with licensed agents who can guide you through the process and answer any questions you may have.

Medicare Forms and Documents

Finding the right forms and documents can be a challenge. Florida Blue provides easy access to important Medicare forms and documents, so you don't have to spend time searching. This simplifies the process of managing your healthcare administration.

Member Resources Section

The Member Resources section is a comprehensive toolkit for Florida Blue members. Here, you can find plan information, important forms, pharmacy resources, and more. This centralised location ensures that you can quickly access the tools and information you need to maximise your health plan's benefits.

BlueAnswers

BlueAnswers is an informative resource that covers a range of topics, including benefits, plan utilisation, and member perks. It provides easy-to-understand explanations and answers to common questions, empowering you to make the most of your health plan.

Live Webinars and Virtual Care

Florida Blue offers live webinars on various health-related topics, including health education and live chats with medical professionals. Additionally, they provide virtual care options, allowing you to access quality healthcare from the comfort of your home. With virtual care, you can connect with healthcare providers 24/7 and receive care that fits your schedule.

Health & Wellness Programs

Florida Blue is committed to helping people and communities achieve better health. Their Health and Wellness Programs are designed to provide comprehensive health solutions that go beyond health insurance.

Virtual Care Options

Florida Blue offers virtual care options, allowing members to access healthcare providers 24/7 without leaving their homes. This convenient and flexible approach ensures that members can receive quality care that fits their schedules.

Better You Strides Rewards

The Better You Strides Rewards program encourages members to make healthy choices. By participating in wellness and care programs, members can earn up to $500 in rewards towards their plan payments.

Florida Blue Centers

Florida Blue Centers are neighbourhood locations where members can connect with nurses and community specialists. These centres offer various programs and services, including:

• Health screenings
• Treatment support
• Help understanding your plan
• Nutrition classes
• Fitness classes
• Sleep seminars
• Wellness education classes

Community Specialists

Community specialists assist members in finding essential resources, such as food and housing programs, transportation services, financial assistance, military and veteran services, and behavioural healthcare programs.

SilverSneakers

SilverSneakers is a fitness and wellness program offered at no additional cost to Medicare Advantage (Part C) members. It helps members get active, improve their fitness, and connect with others. The program caters to all levels and abilities, providing access to online and in-person classes, fitness locations, and health and wellness discounts.

Live Fitness Classes and Health Webinars

Florida Blue offers live fitness classes on Facebook Live, allowing members to stay active from the comfort of their homes. They also conduct monthly live health webinars, featuring health education sessions and live chats with doctors and dietitians.

Blue365® Discounts

Blue365® is a health and wellness discount program available to all Florida Blue Medicare members. It offers year-round discounts on gym memberships, fitness gear, eyewear, healthy travel options, and more.

Florida Blue's Health and Wellness Programs aim to empower members to take control of their health and well-being, providing the tools and resources needed to make positive changes.

Eligibility & Enrollment

Eligibility and enrollment depend on the type of insurance plan you are looking for. Florida Blue offers a range of health plans to fit your budget and lifestyle. These include individual and family plans, Medicare, and group plans for small, mid-sized, and large businesses.

If you are new to individual health insurance, Florida Blue can help you make informed decisions about your coverage. You can also switch to a new plan if you are new to Florida or looking for better coverage.

Florida Blue offers Medicare for people aged 65 and older, or younger people with a disability or qualifying condition. You can also find out if you qualify for a Special Enrollment Period.

If you are an administrator or employer shopping for group plans, Florida Blue offers comprehensive benefits for small, mid-sized, and large businesses.

You can also buy health insurance directly from Florida Blue, a health insurance company. They offer a wide range of health plans, including HMO and PPO plans, with virtual care options, rewards for healthy choices, and access to a quality network of doctors.

When choosing a health insurance plan, it is important to consider the network, cost, and benefits. Compare each plan's network to see if your preferred providers are in-network. Examine the out-of-pocket cost differences, including the deductible, copayments, and coinsurance. While benefits may not be as important as network and cost, they can help narrow down your options.

Florida Blue also offers international travel health insurance through GeoBlue for individuals and families who travel, vacation, or live abroad.

Virtual Care Options

Florida Blue offers a range of virtual care options to its members. These options allow members to receive quality healthcare from the comfort of their homes, without having to step foot in a doctor's office. Here are some of the key virtual care services provided by Florida Blue:

Teladoc

Teladoc gives members 24/7 access to healthcare professionals via phone or video call. Members can request a visit and choose their preferred consultation method. A doctor will typically provide care within an hour, offering treatment for non-emergency issues. Members can also choose to send the results of the virtual visit to their primary care doctor and have prescriptions sent to their preferred pharmacy.

Remote Health Tracking

Florida Blue or the member's healthcare provider may suggest the use of remote health tracking devices to monitor their health. These devices can include weight scales, blood pressure monitors, peak flow meters, and blood glucose meters. This allows members to track their health data and have ongoing results of important health measures. The data collected can also facilitate better dialogue with their healthcare providers to adjust their care plan as needed.

EConsult with Specialists

Florida Blue's primary care providers (PCPs) can engage specialists across the nation through eConsults to determine the best treatment plan for their patients. This eliminates the need for members to physically visit a specialist, saving time, cost, and stress. eConsults provide members with clear direction on their treatment plan without leaving the care of their primary care provider.

Virtual Visits with Your Doctor

Members are encouraged to ask their Florida Blue healthcare providers about virtual visit options. These virtual appointments allow members to receive ongoing care from their regular doctors when an in-person visit is not required or possible, such as during social distancing. Virtual visits also tend to cost significantly less than urgent care or emergency room visits.

With these virtual care options, Florida Blue ensures that members can access convenient and flexible healthcare services that fit their schedules and needs.

International Travel Health Insurance

Florida Blue offers international travel health insurance plans through GeoBlue, which is a part of the Blue Cross Blue Shield family. GeoBlue provides medical coverage for individuals and families travelling outside of the United States, including those who are vacationing, travelling for business, studying, teaching, or living abroad. This is important as most domestic health insurance plans are not recognised outside of the US, meaning travellers may have to cover full medical costs if they do not have international coverage.

GeoBlue offers a range of international travel health insurance plans to suit different needs. These include plans for single trips of up to 182 days, frequent travellers who take multiple trips a year, and individuals and families who plan to be outside their home country for at least three months a year. There are also long-term plans for those who will be outside their home country for extended periods, such as crew members, missionaries, and students or faculty.

With GeoBlue, travellers can have peace of mind knowing that they will be able to navigate unfamiliar healthcare systems and receive the care and coverage they need while abroad. GeoBlue is not limited to Florida Blue members, and anyone can enrol in a GeoBlue health plan to ensure they have the necessary health coverage when travelling internationally.

To learn more about the specific benefits and coverage provided by GeoBlue international travel health insurance plans, individuals can contact Florida Blue directly or visit the GeoBlue website.

Frequently asked questions