Products

Individual and Families Under 65 Health Plans

With BCBSF, individual health insurance has never been so affordable. We have many options customized to your needs, including comprehensive coverage and limited benefits plans. Plus, many plans have optional maternity benefits.

• BlueOptions – includes several comprehensive health care solutions like predictable cost, lower premium, HSA Compatible and Temporary Insurance plans. 
• BlueSelect – offers plans with lower premiums, up to 20% less than similar options, and predictable cost plans with a local provider network to maximize your health care dollars.
• BlueChoice-PPO – lets you choose any provider you want, in- or out-of network, and offers the most savings when you stay our large provider network.
• Miami-Dade Blue – in partnership with Miami-Dade County, local network plans offer valuable and very affordable benefits for the uninsured working or living in Miami-Dade County.

Over 65 and Medicare Eligible Plans

If you’re approaching or are older than 65, BCBSF has a wide variety of plans to supplement or replace your Medicare coverage. What’s more, BCBSF has a “same age forever” benefit that ensures your premium will never go up because of your age. (Please note, not all plans are available in every county.)

• BlueMedicare Supplement-- offers several plans that allow you to choose your own providers, in- or out-of-network and covers your Medicare Part A and Part B copayments.
• BlueMedicare Select– includes many network-based, Medicare plans that provide hospital and/or medical coverage along with your existing plan.

Medicare Advantage Plans

• BlueMedicare HMO (offered by Health Options, Inc.) – features complete Medicare coverage including prescription drug benefits by network providers.
• BlueMedicare PPO – features medical and prescription drug coverage, plus the freedom to choose any provider, in-network or out. 
• BlueMedicare Rx – offers low cost Medicare Part D prescription drug plans, some with zero deductibles, available even if you do not carry BCBSF insurance.

Other Products

Did you know BCBSF also offers dental, disability and life insurance policies? And we have a variety of group financial programs that provide cost control benefits and may offer tax advantages, like Flexible Spending Accounts (FSA) and Health Reimbursement Accounts (HRA).

There are many ways Blue can help you. Call us any time at to find out more. Southwest Florida Insurance is a Contracted General Agency for Blue Cross and Blue Shield of Florida, Inc.

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These policies have limitations and exclusions. The amount of benefits provided depends on the plan selected and the premium will vary with the amount of benefits selected.

Networks are comprised of independent contracting health care providers.

BCBSF offers only the high-deductible health plan to be used in conjunction with the Health Savings Account (HSA). For more information on the tax advantages and implications of an HSA, contact your legal or tax advisor.

FamilyBlue is not insurance. The plan provides discounts for services received from certain health care providers. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services, but will receive a discount from the health care providers who have contracted with the discount medical plan organization. The range of discounts for services offered will very depending on the type of provider and the service. This plan is administered by Coverdell & Company, Inc., a discount medical plan organization located at 8420 W Bryn Mawr, Suite 700, Chicago, IL 60631, 1-800-918-7600.

Our Medicare Supplement insurance policies are not connected with or endorsed by the US Government or the Federal Medicare Program.

BlueMedicare HMO, a federally qualified HMO, BlueMedicare PPO and BlueMedicare PFFS have a Medicare Advantage Contract approved by the Centers for Medicare & Medicaid Services (CMS). Blue Cross and Blue Shield of Florida, Inc. (BCBSF) contracts with the federal government to administer BlueMedicare Rx, a Medicare Part D Prescription Drug benefit in the state of Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.

A Medicare Advantage Private Fee-for-Service Plan works differently than a Medicare Supplement Plan. Your doctor or hospital is not required to agree to accept the plan’s terms and conditions, and thus may choose not to treat you, with the exception of emergencies. If your doctor or hospital does not agree to accept our payment terms and conditions, they may choose not to provide health care services to you, except for emergencies. Providers can find the plan’s terms and conditions on our website at http://www.bcbsfl.com/pffsterms.

Dental, Disability and Life plans are issued through Florida Combined Life Insurance Company, Inc. (FCL), a BCBSF affiliate.

The Health Reimbursement Account (HRA) program and the Flexible Spending Account (FSA) program are not insurance programs, but a financial reimbursement plans. BCBSF, through its subsidiaries, Florida Combined Insurance Agency and Florida Combined Life Insurance Company, Inc., provide administrative services only for these programs and are not liable for any account balances. These programs reimburse qualified expenses as defined in the employer’s plan documents. The employer’s HRA plan document or the FSA plan document terms prevail over any inconsistencies in any verbal, written, or electronic information provided by BCBSF.

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