Florida Blue Care Health Plans
All consumers want to make certain that they select a major medical insurance policy that provides them with a good value. This means that the plan should offer a lot of services in exchange for the cost of the monthly premiums. For people who live within the right coverage area, Florida Blue Care plans offer this balance between benefits and cost.
We are Secure Health Options, a Florida Medicare, individual, and group health insurance agency. You can begin comparing health insurance quotes for yourself, your children, and your entire family online by entering your ZIP code in our free quote form. If you have any questions or need help enrolling in health insurance, contact us at any time for more assistance. We hope to find each client the best coverage at the cheapest price.
Florida Blue Care Plans
These are some things to understand about one of the best values in health insurance on the Florida market:
- Plan type: HMO
- Coverage area: Select areas of the state
- Out-of-network services: Almost all services need to be accessed within the network, but the insurer covers emergencies nationwide.
- Deductible choices: $0 to $7,000
- Qualified marketplace plan: Yes
Because this is an HMO, you almost always have to access services from network providers in order for them to get covered. However, you do get access to the
Blue Cross Blue Shield of Florida Blue Care network, and your choice of medical providers should be very good if you live in select parts of the state. These plans can be a great choice for families who need to keep their premiums low, tend to use a lot of medical services because of chronic conditions, or have been fairly healthy and do not mind finding a network doctor or hospital to access occasional medical services.
These are all qualified health insurance marketplace plans, and that means that they have to provide essential health benefits and conform to Affordable Care Act provisions. That means that you should enjoy the following benefits and features:
- Dental and vision benefits are included for children.
- People with pre-existing conditions cannot be declined.
- The plans cover pregnancy, immunizations, checkups, and more.
- Some families may qualify for tax credits to help pay part of the premium.
Which Florida Blue Care Plans are Best for You and your Kids?
A health maintenance organization, or HMO, can provide you with very good value if you are satisfied having to get referrals from a primary care doctor to see a specialist. Additionally, you should be satisfied with network coverage in your area, because that will be your source of covered services almost all of the time. You might choose a low deductible plan to help you predict your medical expenses for the year, or you might choose a cheaper policy with a larger deductible to save money on premiums.
These are some other options that you might consider:
- Blue Care PPO plans: These also use a network to help control costs, but you can choose to seek coverage outside of the network and still be covered.
- Blue Care HSA plans: You choose a high deductible major medical policy with a health savings account.
Florida Blue Care PPO plans can offer you more freedom than an HMO. You might step outside of the network to seek medical services and treatments, but those out-of-network services will be covered at a lower amount, so you are always encouraged to use the network. You also have the freedom to choose between a high or low deductible, and Florida Blue has Platinum, Gold, Silver, and Bronze plans on the marketplace.
Since Blue Care HSA plans work with a high deductible major medical policy and a health savings account, they allow you to control spending. You can use money in your account to pay medical bills before you reach your plan deductible, and you can even deduct your contributions on your taxes.
Let Us Help You Find Florida Blue Care Health Insurance
Do you need to purchase coverage for yourself and your kids? If so, we would like to help you make the most of your premium dollars. Start with our free health insurance quotes. Contact us as soon as possible for advice about your particular situation, and we can also provide enrollment assistance. Our experienced and professional health insurance agents want to make sure that all Floridians get the best coverage at the right price.
