Can I use Florida Blue health insurance out of state?
Asked by: Brendon Thompson | Last update: June 30, 2025Score: 4.8/5 (74 votes)
Can I use Florida Blue insurance in another state?
Out-of-state insurance benefits
If you're traveling out-of-state, an emergency room or urgent care visit, along with any pre-approved services are covered by your Florida Blue health plan. Depending on your plan, you may have additional out-of-state health insurance benefits.
Can I use my Florida medical insurance in another state?
For PPO and OAP plans, if there are participating providers in the insurer's national network, the plan will pay for the out-of-state care at the in-network level. It doesn't have to be an emergency. It's best to verify network coverage through the insurer's website or by calling the insurer directly.
Is Florida Blue accepted nationwide?
Florida Florida Blue is an association of 36 locally-operated companies. Coverage is nationwide, with more than 106 million members in all 50 states, Washington D.C. and Puerto Rico.
Does my health insurance cover me if I travel out of state?
Routine care such as wellness visits, preventive care, and vaccinations may not be covered if you're traveling outside of your plan's network. Generally, many plans will cover emergency and urgent care services even if you're out of state.
Traveling or Hiring Out of State? Here's What You Need to Know About Blue Cross Blue Shield Coverage
Does my insurance cover me in another state?
Your car insurance policy generally will cover you when you drive your car out of state. If you are on vacation, for example, or are passing through another state on a road trip, you won't need to get a separate car insurance policy.
Do I need my health insurance card when traveling?
Carry your insurance card and a claim form if your policy covers you outside the United States. Medicare does not cover medical care when you travel the United States. Visit Medicare.gov for more information. Some health insurance companies pay for “customary and reasonable” hospital costs abroad.
Is Florida Blue good outside of Florida?
Florida Blue HMO offers separate programs for short trips and long-term stays. For short trips, your coverage is accepted worldwide by doctors and hospitals that participate in our BlueCard Program.
Is Florida Blue only accepted in Florida?
Limited Network: Florida Blue is a Blue Cross Blue Shield (BCBS) company primarily operating within the state of Florida. While BCBS boasts a national network, Florida Blue's plan network typically extends only within Florida.
Does Florida Blue have out-of-network benefits?
Also, with an HMO plan, unless it's an emergency, you only have coverage for care and supplies from providers in your plan's network. Our PPO plans, BlueOptions and BlueSelect, do offer out-of-network coverage and you can manage your care, including choosing doctors and specialists, on your own.
What insurance is accepted in all 50 states?
Medicare is run by the federal government, which is why Original Medicare coverage is the same in every state and includes nationwide access to providers.
Can I use my Florida medical card in another state?
It's important to know that some states will honor a patient's out-of-state medical card, but in Florida, only Floridians can buy and possess medical marijuana. However, Floridians may use their medical marijuana card in some other states under certain guidelines.
What happens to my health insurance if I move out of state?
It's very important to report moves out of state immediately so you can enroll in a new plan without a break in coverage — and avoid paying for coverage that doesn't apply in your new state. When you move out of state, you'll need to start a new Marketplace application and enroll in a plan in your new state.
Is Florida Blue a good insurance?
Members give high marks: Member experience ratings on metrics like customer service and getting needed care are above the average for major providers. Mix of plans: Florida Blue offers both HMO and PPO plans, giving members more options for care.
Can I use my Florida insurance in Texas?
You'll need a new policy when you move to Texas. You can call the company you're using now or shop around for a new policy.
Does Blue Cross cover all states?
The Blue Cross and Blue Shield System
BCBS understands and answers the needs of local communities, while providing nationwide health care coverage for 115 million members in all 50 states, Washington, D.C., and Puerto Rico.
Can Florida Blue be used out of state?
When traveling out of Florida, you're covered under the BlueCard® Program. You'll receive in- network benefits and will be protected from balance billing when receiving covered services from a BlueCard participating provider.
Is Florida Blue HMO or PPO better?
Why would a person choose PPO over an HMO? While PPO plans can be more expensive than HMO plans, they offer out-of-network coverage that HMO plans do not offer. This gives you a choice of more doctors and specialists.
Does my health insurance cover me while traveling?
Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you're traveling.
Is Florida Blue a state insurance?
Florida Blue is a not-for- profit, policyholder-owned, tax-paying mutual company. Headquartered in Jacksonville, Fla., it is an independent licensee of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield companies.
Will my HMO cover me out of state?
HMO coverage is typically limited to the state or even county where you sign up, so you need to use the providers and services that are included in the HMO plan. In many cases, once you leave your plan's service area, you typically have to pay the full cost of care.
Can I go to the ER without my insurance card?
If you have a serious medical problem, hospitals must treat you regardless of whether you have insurance. This includes situations that meet the definition of an emergency. Some situations may not be considered true emergencies, such as: Going to the ER for non-life-threatening care.
What happens if a tourist gets sick in the USA without insurance?
If a tourist gets sick in the USA without insurance, they are responsible for covering all medical expenses out of pocket. Healthcare in the USA is expensive, and even basic treatments or emergency services can result in significant bills.
What happens if an American goes to the hospital in Portugal?
Please note: Portugal does not offer free medical treatment to visitors, and under European Union rules non-EU citizens are required to have travel medical insurance covering emergency medical, hospitalization, and repatriation (including the case of death).