Is Florida Blue a national plan?
Asked by: Alycia Stroman I | Last update: September 19, 2025Score: 4.6/5 (32 votes)
Is Florida Blue nationwide?
When you're a Blue Cross and Blue Shield of Florida BlueOptions or BlueChoice member, you take your health care benefits with you across the country and around the world.
Can Florida Blue be used in other states?
How am I covered if I travel outside the State of Florida? When traveling out-of-state, 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.
What type of insurance is Florida Blue?
Florida Blue's Health maintenance organization plans, or HMO plans, offer a wide range of health care services through a specific, local network of our participating health care providers, hospitals and facilities, typically for a lower deductible than a PPO plan.
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.
Florida Blue Insurance Review 2024 ✅ Florida Blue Buyers Guide!
Can I use my Florida health insurance in another state?
Some plan types, like PPO or OAP plans, allow for full access to any and all participating providers in that carrier's network, regardless of which state you reside in. Other plan types, like HMO or POS plans, will cover emergency services anywhere in the country but may not cover routine care in another state.
Is Florida Blue just for Florida residents?
Florida Blue, Florida's Blue Cross and Blue Shield company, has been providing health insurance to residents of Florida for more than 75 years. Driven by its mission of helping people and communities achieve better health, the company serves more than 5 million health care members across the state.
What is the best healthcare insurance?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
Which is better, Florida Blue HMO or PPO?
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 Walmart take Florida Blue?
Your card can be used at the below retail locations: CVS, Walgreens, Walmart, and more! For a full list of retailers, access your online member account. Or call Member Services at 1-800-926-6565 (TTY 1-800-955-8770).
Is Florida Blue Federal?
Florida Blue is the servicing agent for the Federal Employee Service Benefit Plan, the Blue Cross and Blue Shield Federal Employee Program® (FEP).
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 Florida Blue insurance be used in other states?
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.
Which is the cheapest health insurance for senior citizens?
Medicare is the cheapest health insurance with the best benefits for people age 65 and older or who have a qualifying disability.
What company owns Florida Blue?
GuideWell, formally GuideWell Mutual Holding Corporation (holding company for Florida Blue), is a mutual insurance holding company primarily focused on health insurance in Florida.
Which health insurance denies the most claims?
According to the analysis, AvMed and UnitedHealthcare tied for the highest denial rate, with both companies denying about a third of in-network claims for plans sold on the Marketplace in 2023, respectively.
Is $200 a month good for health insurance?
Health insurance that costs $200 per month is a good deal in California. Silver plans typically cost $513 per month for a 21-year-old or $656 per month for a 40-year-old. The best way to get cheap rates is to use health insurance subsidies, which lower the cost of an insurance plan based on your income.
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.
Is HMO or PPO better?
HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.
Does Florida Blue cover 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.
Which is better, Cigna or Florida Blue?
They rate the cheapest health insurance coverage in the Sunshine State as being Florida Blue or Cigna. The best for fixed-incomes is Florida Blue. If you want to get the best health insurance in Florida overall, Aetna ranks as superior. However, Cigna has the best prescription coverage plan.
Why is Florida health insurance so expensive?
The population is expected to grow by nearly 300,000 annually over the next five years. One of the critical challenges in Florida's health insurance sector is the high cost of premiums. The state's insurance market is dominated by a few major insurers, which limits competition and keeps prices high.