Is Florida Blue good outside of Florida?
Asked by: Vernon Balistreri | Last update: September 13, 2025Score: 4.3/5 (2 votes)
Can Florida Blue be used 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.
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 only in Florida?
Florida Blue has approximately 4 million health care members and serves 15.5 million people in 16 states through its affiliated companies.
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.
Florida Blue Insurance Review 2024 ✅ Florida Blue Buyers Guide!
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.
What is the best health insurance company to go with?
- Best Overall and Best for Self-Employed: Kaiser Permanente.
- Best Widely Available Plans: UnitedHealthcare.
- Best for Low Complaints and Best for Chronic Conditions: Aetna.
- Most Affordable: Molina Healthcare.
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.
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.
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.
Is Florida Blue the same as Florida health care Plans?
An affiliate of Florida Blue, and part of the GuideWell family of health solutions companies, FHCP offers access to a provider network of more than 9,500 doctors, specialists, and hospitals.
Can I use my Florida Medicaid out of state?
If visiting outside of Florida, Florida Medicaid will pay only for emergency care, or care that has been arranged and approved by Florida Medicaid ahead of time.
Can you use Florida health insurance out of state?
Care Outside of FHCP's Service Area
When outside of Florida but within the United States care can be obtained through the BlueCard®. When you need urgent or emergency care while away from home you can locate the BlueCard® network provider closest to you by clicking on the following link http://provider.bcbs.com.
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.
Does Publix accept Florida Blue?
Retail Pharmacy for up to a 30-day supply
When you use a pharmacy in the Preferred Pharmacy Network like Walgreens, Walmart, Publix, and Florida Health Care Plans, you'll pay a lower cost share or copay for your prescription.
Do doctors prefer HMO or PPO?
HMO plans might involve more bureaucracy and can limit doctors' ability to practice medicine as they see fit due to stricter guidelines on treatment protocols. So just as with patients, providers who prefer a greater degree of flexibility tend to prefer PPO plans.
Does Florida Blue offer a food card?
The Blue Dollars card is easy to use!
Depending on your plan's eligible supplemental benefit allowances, the card can be used to cover things like dentures, prescription sunglasses, extra hearing support devices, healthy food, or other qualifying costs that go beyond the plan's benefits.
Is Florida Blue an advantage plan?
Florida Blue Medicare offers Medicare Advantage plan options in all 67 counties in Florida. Many Medicare Advantage plans also include prescription coverage built in, as well as many comprehensive benefits and value-added perks, such as: Vision, dental and hearing benefits.
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.
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.
Who has the cheapest Florida insurance?
Geico offers the cheapest full coverage in Florida, with an average rate of $2,138 per year according to NerdWallet's January 2025 analysis. Full coverage in Florida costs an average of $3,992 per year, or $333 per month. If you want the cheapest policy possible, get minimum coverage.