Florida Blue Medicare Supplement Review

Who Is Florida Blue

Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.

Advancing health has always been at the core of Florida Blue’s mission. Whether it’s providing crucial coverage that gives peace of mind or offering a wide range of health solutions to address every aspect of your well-being, you can trust that Florida Blue is committed to looking after you, your loved ones, and your community, just as they have been doing for over 75 years.

Florida Blue goes beyond just being an insurer. They strive to be your health partner, aiming to reduce your costs, simplify your benefits access, and offer you a wide range of health services that include traditional medical care, mental well-being, preventive care, and much more. As a not-for-profit organization owned by policyholders, they allocate their resources towards keeping healthcare costs low and endeavor to ensure that everyone has access to high-quality, affordable, and fair care.

Exploring the Rich History of Florida Blue

Florida Blue introduced the first Blues plan to Floridians in 1945, aiming to provide quality healthcare that is accessible and affordable. Over the years, they have developed new healthcare resources, and their not-for-profit model is driven by a mission to put innovation to work for nearly 6 million members.

Florida Blue’s goal is to deliver high-quality, affordable care to everyone, and today they are the largest provider of individual marketplace plans in a single state in the country. In 2006, they opened neighborhood hubs, making it easier for members to speak directly with experts about their health.

In the last two decades, Florida Blue has worked with partners and through their Florida Blue Foundation, the state’s largest health-focused philanthropic organization, to tackle critical health inequities among at-risk communities.

Why Choose Florida Blue

Florida Blue Medicare recognizes that achieving total health and wellness requires access to a comprehensive network of local healthcare providers and clinics, a range of Medicare plans, and services that align with your lifestyle. They also realize the significance of providing the benefits that matter the most to you, while ensuring that you save money. Below are some factors you should consider in choosing Florida Blue:

• Member Account – A secure website exclusively for members, enabling you to manage your health and wellness using easy-to-use tools.
• Health Club Discounts – Special Blue365 member discount enrollment and membership at fitness centers across the state.
• Care Coordination Team – A consultant dedicated to coordinating appointments, managing chronic conditions, and finding the best prices for procedures and prescriptions, both in and out of the hospital.
• Florida Blue Retail Centers – Enjoy face-to-face customer service, wellness events, and educational seminars at one of our unique retail centers.
• Monthly Bank Draft Discount – To receive the discounted price, please select the Monthly Bank Draft option during the application process. If you choose any other payment method, you will be billed at the regular price. Note that the discount will not apply to the first month’s payment. In order to set up the automatic payment option, you will need to provide an email address. All communications related to your payment will be sent electronically to this email address.

A Closer Look to Florida Blue’s Coverage

Florida Blue offers PPO, RPPO, and Rx (PDP) plans with a Medicare contract. Additionally, Florida Blue Medicare provides an HMO plan with a Medicare contract. However, enrollment in these plans is subject to contract renewal. It is important to note that Florida Blue and Florida Blue Medicare are independent licensees of the Blue Cross and Blue Shield Association. 

Furthermore, it is their policy to comply with all applicable Federal civil rights laws. They do not discriminate on the basis of race, color, national origin, age, disability, or gender.

Which Supplement Plan Suits You

Florida Blue offers Medicare Supplement Insurance Plans that come with several benefits for their customers. These plans can help reduce out-of-pocket costs and offer flexibility to choose from various plan options. Florida Blue offers ten different Medicare Supplemental Plans including Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N.

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Florida Blue is a trade name that belongs to Blue Cross and Blue Shield of Florida, Inc., an independent licensee of the Blue Cross and Blue Shield Association. Please note that BlueMedicare Supplement Plans C and F as well as BlueMedicare Supplement Select Plan C may not be offered to any newly eligible Medicare beneficiary. In this context, newly eligible Medicare beneficiary refers to anyone who attains the age of 65 on or after January 1, 2020, or who becomes eligible for Medicare benefits due to age, disability, or end-stage renal disease on or after January 1, 2020.

It is important to note that Florida Blue Medicare Supplement Insurance policies are not connected with or endorsed by the U.S. Government or the Federal Medicare Program. The amount of benefits provided depends on the plan that is selected, and the premium may vary depending on the amount of benefits selected. While medical cost increases and inflation could increase our premiums, your premium will always remain the lowest we offer, according to your age at enrollment. Medical underwriting will apply to all BlueMedicare Supplement and BlueMedicare Supplement Select products unless the applicant is eligible for a guaranteed issue. Networks are composed of independent contracting healthcare providers.

Medicare Supplement  Plan Premium Average Cost Monthly

Florida Blue can only increase your premium if it increases premiums for all policies in the state of Florida. Below, you can see a table that shows a monthly premium with automatic payment options for different areas for Plan F, Plan G and Plan N. To check the rates of your location, you can talk to one of our representatives.

The tables below show the rates as of at the time this article was written.

This 2 charts below displays premiums for both Non-Tobacco and Tobacco users on the following counties, classified as Area 1: Broward, Miami-Dade, and Palm Beach.

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – NON TOBACCO USER

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – TOBACCO USER

This 2 charts below displays premiums for both Non-Tobacco and Tobacco users on the following counties, classified as Area 2: Bay, Brevard, Charlotte, Clay, Collier, DeSoto, Duval, Escambia, Glades, Gulf, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Lee, Manatee, Martin, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Pasco, Pinellas, St. Johns, St. Lucie, Santa Rosa, Sarasota, Seminole, Walton, and Washington.

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – NON TOBACCO USER

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – TOBACCO USER

This 2 charts below displays premiums for both Non-Tobacco and Tobacco users on the following counties, classified as Area 3: Alachua, Baker, Bradford, Calhoun, Citrus, Columbia, Dixie, Flagler, Franklin, Gadsden, Gilchrist, Hamilton, Jackson, Jefferson, Lafayette, Lake, Leon, Levy, Liberty, Madison, Marion, Polk, Putnam, Sumter, Suwannee, Taylor, Union, Volusia, and Wakulla.

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – NON TOBACCO USER

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – TOBACCO USER

This 2 charts below displays premiums for both Non-Tobacco and Tobacco users in Out of state premiums. If your primary residence changes to one that is not in the state of Florida, that is, you move permanently out of state, your Premium for this plan will be adjusted to the Premium shown below. 

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – NON TOBACCO USER

• AUTOMATIC PAYMENT OPTION MONTHLY PREMIUM – TOBACCO USER

Important Plan Disclosure: What You Need to Know

BlueMedicare Supplement and BlueMedicare Supplement Select Plans are guaranteed renewable. Florida Blue will only terminate your coverage for nonpayment of premiums or material misrepresentation.

Florida Blue can only increase your premium if they raise the premium for all similar policies in the state of Florida.If you plan to replace your current health insurance policy, make sure to wait until you have received your new policy and decided to keep it before canceling your old policy.

You have the freedom to purchase any policy offered by Florida Blue, with or without an additional Annual Out-of-Pocket Limit.

Exclusions for BlueMedicare Supplement and BlueMedicare Supplement Select Plans

Below are the services or supplies that are not covered or approved by Medicare, and hence, ineligible as a Medicare- Eligible Expense:

• services or supplies that exceed Medicare coverage limits
• duplicate services or supplies already paid for by Medicare
• services for which there is no charge or no legal obligation to pay
• mental or nervous disorders, alcoholism, and drug addiction beyond Medicare allowances
• illnesses or medical conditions resulting from war, participation in illegal activities, suicide attempts, air accidents outside the US, intoxication, or cosmetic surgery for non-medical reasons

However, benefits are available for reconstructive surgery following trauma or disease, as well as for hearing aids, eyeglasses, and related examinations deemed medically necessary. Custodial care, transportation, and routine physical examinations are also not covered.

Please note that the limitations or exclusions on coverage in these Plans are not more restrictive than those of Medicare. However, the following exclusions apply ONLY to the plans indicated below and not to other BlueMedicare Supplement or BlueMedicare Supplement Select plans:

• Plan A: Medicare Part A Inpatient deductible; Medicare Part B deductible; Care received outside of the United States.
• Plan A, Plan B, and Select Plan B: Care received at a skilled nursing facility.
• Plan B, Select Plan B, Plan K, and Plan L: Medicare Part B deductible; Care received outside of the United States.
• Plan C and Plan F: Care received outside of the United States that is not a Medically Necessary Medical Emergency/Accident Service.
• Plan D, Select Plan D, Plan G, Plan M, Select Plan M, and Plan N: Medicare Part B deductible; Care received outside of the United States that is not a Medically Necessary Medical Emergency/Accident Service.

Please note that the following exclusions apply only to BlueMedicare Select Plans:

• Network Hospital – You are responsible for only 50% of the Medicare Part A deductible for each Medicare Benefit Period.
• Non-Network Hospital – You are responsible for 100% of the inpatient Medicare Part A deductible EXCEPT as indicated in the Network Hospital Restrictions.

SilverSneakers® is a fitness program that operates separately from Florida Blue’s Medicare Supplement Insurance Policy. If you wish to enroll in SilverSneakers®, you must first enroll in a Florida Blue Medicare Supplement Insurance Policy. It’s important to note that your SilverSneakers® fitness membership will automatically be canceled if you are no longer enrolled in Florida Blue’s Medicare Supplement Insurance Policy. However, you have the option to cancel your SilverSneakers® membership at any time. Please note that Tivity Health, SilverSneakers®, and SilverSneakers® FLEX are registered trademarks or trademarks of Tivity Health, Inc., as well as its subsidiaries and affiliates in the USA and/or other countries.

Summary

Florida Blue is a trade name owned by Blue Cross and Blue Shield of Florida, Inc., which operates as an independent licensee of the Blue Cross and Blue Shield Association. Florida Blue Medicare understands that achieving overall health and wellness requires access to a comprehensive network of local healthcare providers and clinics, a variety of Medicare plans, and services that are tailored to your lifestyle. They also recognize the importance of providing benefits that are most valuable to you while ensuring that you can save money.

Choosing the right health insurance plan is a crucial decision that can greatly impact your financial well-being and access to quality healthcare. It’s essential to carefully evaluate your needs, considering factors such as your health status, medical history, and anticipated healthcare expenses. 

For further information regarding Florida Blue Medicare Supplement Insurance Plans, feel free to reach out to our reliable representatives directly by dialing 1-888-559-0103.