Blue Select Health Insurance Plans
Choosing the right Florida health insurance for your family can be difficult, but Blue Cross Blue Shield of Florida
offers a variety of choices to help consumers select the right level of coverage and premium. Your best choice will depend upon your budget, coverage needs, and where you live. Consumers who live within the right coverage area may find that Florida Blue Select plans offer them a good value when they compare premiums and benefits.
We are Secure Health Options, a leading resource for information about major medical plans for individuals and familes. We want to help Floridians find the most affordable options for individual, group, and senior health insurance. Start shopping for yourself, your family, your kids, or even your company with our free online quotes. Of course, you are always welcome to call us for more information.
Florida Blue Select Plans
These are qualified plans on the health insurance marketplace, and this means that you cannot be turned down because of a pre-existing health issue. These plans also have to offer comprehensive coverage that includes essential health benefits like checkups, immunizations, and maternity care. Plans are also offered in all of the "metal" levels, and these are Platinum, Gold, Silver, and Bronze.
These are some things to keep in mind about Blue Select PPO plans:
- PPO: This means that you save the most money if you get in-network services, but you are still free to access covered benefits outside of the plan's network of medical providers. You may have to pay more out of your own pocket if you use non-network services.
- Deductibles: You can choose deductibles from $0 to $7,000. A low deductible helps you predict medical expenses, but a high deductible can keep your premiums lower.
- Network: Blue Select helps you save money by offering lower costs when you use their network of affiliated doctors, hospitals, therapists, pharmacies and other medical providers. This is a regional network, and that means that it is very good in some parts of the state, but you should make sure you live in the right location before making a decision.
Blue Select PPO plans offer cheaper premiums than the statewide PPO called Blue Options. If you live in one of the selected coverage areas, consider this plan's value. You can choose from a wide variety of family doctors, specialists, and hospitals, and this is particularly important if you need to deal with chronic health conditions or have kids with special needs. Everyday health plans, like this one, can help you access good health care and control your expenses.
All copay plans do not require you to meet a plan deductible, and all you have to do is pay a modest copay to access doctors, emergency rooms, and prescriptions. The premiums may be higher, but families that need a lot of health services can save money. This might be a good choice for middle-aged adults or families with children that need to visit a doctor frequently. However, people who have few medical needs may be happier with cheaper premiums and a larger plan deductible.
Blue Select HSA Plans
HSA plans work with a health savings account, or HSA, and a high deductible major medical insurance policy. Because the policy only covers bills after quite a bit of money has already been spent on medical services, the savings account is meant to pay smaller bills or for some medical needs that major medical does not cover.
These are HSA rules from the IRS for 2014:
- Minimum deductibles: The minimum deductibles are $1,250 for an individual and $2,500 for a family.
- Maximum deductible contributions: The maximum deductible yearly contribution to the savings account is $3,300 for an individual and $6,550 for a family.
You can roll over any money left in your savings account from year to year. Essential plans can protect your family from a financial crisis in case somebody does get seriously injured or ill. However, if your out-of-pocket medical expenses for the year are minimal, you can keep saving money. If you like the idea of getting an extra tax deduction and only purchasing major medical insurance to cover high bills, consider Blue Select HSA plans.
Which Florida Blue Health Insurance is Right for You?
The right choice depends upon the health needs of you and your children, and it might also depend upon the way you like to budget for medical expenses. Consider the cost, network providers, and the benefits that each plan provides before you make a decision.
You can start shopping by entering your home ZIP code to request a quote. Our experienced Florida health insurance agents are also happy to take your calls if you need to ask questions or get help enrolling. At Secure Health Options, we hope to make it easy for all Floridians to find the coverage that they need at a price they can afford.