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Florida Blue Options Plans

Are you having a difficult time finding Florida health insurance that provides you with great coverage, flexibility, and a reasonable premium? If so, perhaps you have not considered Florida Blue Options plans yet. Florida Blue used to call themselves Blue Cross and Blue Shield of Florida, This means that they are affiliated with the national network of Blue Cross companies, and members of Blue Options can take advantage of this huge network to save money on covered services statewide and countrywide. We are Secure Health Options, a leading health insurance agency in the state of Florida. We are here to help you compare health insurance quotes for individuals and families. Contact us with your questions or for help signing up for a new health insurance plan.

Understanding Florida Blue Options

Blue Cross Blue Shield of Florida offers these policies on the health insurance marketplace, and that means that they have to conform to the guidelines of the Affordable Care Act. They cannot decline any applicants because of pre-existing health conditions and must provide essential health benefits like coverage for maternity, vaccines, hospital stays, emergency room visits, and laboratory tests. Children get dental and vision benefits. Additionally, many middle-income earners can qualify for tax credits that help pay part of the premium. Keep some things in mind about these health insurance marketplace options:
  • The company offers Blue Options in all of the levels, and this includes Bronze, Silver, Gold, and Platinum.
  • Consumers can choose deductibles between $0 and $7,000.
  • With a variety of Blue Options everyday health plans, Blue Options all copay plans, and Blue Options essential plans, most people can find excellent coverage that works with their budget.

Florida Blue Options PPO Plans

The main advantage of these plans is that they offer members a lot of freedom. This flexibility provides a great benefit for people who live inside of the state, have kids going to college in another state, or who spend time traveling outside of Florida. Like any PPO, this one uses a network of health providers in order to keep costs down and make it easier to access medical services. Learn why the Blue Options PPO is so great:
  • Blue Options PPO plans use a statewide network, so you can find providers anywhere in Florida.
  • You also get access to the BlueCard network, and this lets you get in-network benefits all over the United States.
  • Better yet, your services can still be covered if you decide to step outside the network, but they will be covered at a lower level.
  • Emergency services are covered at the network rate anywhere in the country too.

Blue Options HSA Plans

The Blue Options HSA plans offer most of the same advantages as the PPO, but they work a little differently. You choose a high deductible major medical policy and also set up a health savings account, or HSA. Consider some features and benefits of an HSA:
  • You can deduct money that you save in your account from your taxes, and this gives you a way to use pre-tax earnings to pay bills and earn an extra tax deduction.
  • You are also allowed to pay some for some things with your account that major medical does not cover. Examples are dental and vision services for adults.
  • Any unused money rolls over to the next year, and you can withdraw any leftover funds without a penalty when you hit retirement age.

Which Blue Options Plans is Best?

The best option for you and your children will come with reasonable premiums and the coverage you need to access good health services and control your expenses. Keep in mind that you might qualify for a subsidy, so your actual premium could be lower than the one displayed on our quote system. If you have to deal with a chronic or severe medical issue, a low deductible plan should help you plan your medical expenses. If you and your family seldom need to visit a doctor, a high deductible option could work out cheaper. If you can commit to saving money in your HSA regularly and would like another tax deduction, an HSA might be the best choice.

We Can Help You Find Affordable Health Insurance

An easy way to start shopping for health insurance is to make use of our free online price quote request. Simply enter your ZIP code to begin using the system. If you have questions, want personal advice, or need help signing up for health insurance, contact us as soon as possible. Our professional and experienced agents are eager to take your calls because they are committed to helping Floridians find the best possible medical plan for the right price.

  • Find Your Blue Options Plan Here