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Anyone covered by Florida Blue?
Old 10-28-2019, 08:24 AM   #1
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Anyone covered by Florida Blue?

My wife and I are currently covered by my COBRA plan which expires in September of 2020. At that time, I will be 65 years old, so I will no longer need private coverage, rather will be on Medicare. My wife, however, will only be 63 years old, so she will need private coverage. I noticed that many doctors accept Florida Blue in my area (St. Petersburg) and I was wondering if anyone of you are covered by then and if your experience has been positive. Also, did you purchase thru the ACA (Obama Care marketplace) site or go directly to a Florida Blue office which I see along strip malls. Any advice, info, etc. would be deeply appreciated. My wife is a two time cancer survivor and I want her to have the best coverage possible. Thank you for your time
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Old 10-28-2019, 08:35 AM   #2
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I used Florida Blue until a year ago, when I became eligible for Medicare. They have have two PPO plans. BlueSelect is a smaller, restricted network, and BlueOptions is their nationwide BlueCard network. They also offer an HMO.

No subsidy, we bought directly from them. No complaints about BCBS. We used the BlueCard network without any issues in Florida and Illinois.
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Old 10-28-2019, 08:51 AM   #3
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Our Federal BCBS Basic (preferred providers only) plan was automatically transferred to Florida Blue at essentially the same premium.

We have been able to find doctors and specialists who accept our plan.
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Old 10-28-2019, 09:36 AM   #4
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Been Covered on ACA via Florida Blue since inception, last year I went on Medicare, DW is still with Florida Blue Plan 1443C Absolutely no issues at all. Everyone and their mother takes it here where we live in NE FLA.
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Old 10-28-2019, 11:11 AM   #5
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Same here as SWR.
I am covered by the Florida Blue 1443C Silver plan. All doctors around here in the Tampa area accept the plan. No issues with dealing with Florida Blue.
The rates are very reasonable if you manage your MAGI. The cost with no subsidy would be around 11-12k yearly.
I purchase the plan through the Marketplace.
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Old 10-28-2019, 11:22 AM   #6
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I have used Florida blue for the last three years. If you want the best coverage I would opt for the Blueoptions plan. Blueselect has Moffitt out of network. If your wife wants access to Moffitt for potential cancer treatments chose Blueoptions. Jmho
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Old 10-28-2019, 11:32 AM   #7
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I'm in the Fla Blue PPO Bronze plan with HD/HSA. No issues. We did have to change a lot of docs (only their gold plans take Cleveland Clinic which was mine before this), but found good quality ones nearby.

CVS pharmacy doesn't take them so we switched to Publix.

no issues with administration, payments, authorizations, etc. And dealing with their service team when we've needed help has been fine too.
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Old 10-28-2019, 12:01 PM   #8
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Florida Blue has been the only insurance provider in my area of Southwest Florida for the last few years.



My COBRA expires in December 2019, so I will be going with a Bronze HSA plan (1765) for 2020, purchased via the Florida Blue website since I am not eligible for subsidies.



I did go into their storefront office at Coconut Point (Estero) and speak to a very helpful representative when deciding to use COBRA or not last year. Every doctor I checked accepts the plan, since it is the only provider around.


One item of note - I moved a few miles recently, and changing zip codes caused the monthly premium for the exact same policy to decrease from $849 TO $627. An unexpected bonus that could easily have gone in the other direction. I am not sure why, or if this will continue, but I have 10 years until I am medicare eligible, and over that time it is a significant savings.
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Old 10-28-2019, 01:45 PM   #9
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We’ve been on an ACA Florida Blue plan for the past three years since ER. We use a local FL Blue agent who has been very helpful, although one can do everything necessary from the website. No complaints thus far.
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Old 10-28-2019, 10:18 PM   #10
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Originally Posted by Aerides View Post
I'm in the Fla Blue PPO Bronze plan with HD/HSA. No issues. We did have to change a lot of docs (only their gold plans take Cleveland Clinic which was mine before this), but found good quality ones nearby.

CVS pharmacy doesn't take them so we switched to Publix.

no issues with administration, payments, authorizations, etc. And dealing with their service team when we've needed help has been fine too.
You were likely on a FL Blue Select plan before which has a much smaller network of providers in-state than Blue Options plans. Blue Select plans are especially limiting for ancillary services like pharmacy and pathology and that's just not in-state, but nationwide too.

Also a provider can't cherry pick which metal plans they are going to accept. If they are in network for Blue Options Gold plans, then they are in-network for Blue Options Bronze plans too.
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Old 10-28-2019, 11:49 PM   #11
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I used Florida Blue until a year ago, when I became eligible for Medicare. They have have two PPO plans. BlueSelect is a smaller, restricted network, and BlueOptions is their nationwide BlueCard network. They also offer an HMO.

No subsidy, we bought directly from them. No complaints about BCBS. We used the BlueCard network without any issues in Florida and Illinois.
Like you mentioned Blue Select plans have a smaller in-state network than Blue Options plans, but out of state both are part of the nationwide BlueCard network. Both in-state and nationwide Blue Select plans also have provider exclusions on ancillary services like pharmacy, pathology/labs, DME, etc.
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Old 10-29-2019, 12:04 AM   #12
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DH has had FL Blue since 2015 and will continue with them until he goes on Medicare. Luckily I'm on Medicare and no longer have to deal with them. Let me just say I worked for a BCBS company for most of my working career and FL Blue is the worse health insurance company I have ever dealt with.

No issues with claims, but several with membership and billing. In 2016 my contract was cancelled, along with many thousands of others when FL Blue switched over to a new membership/billing system. I understand mistakes can happen, but it took several months and many phone calls to their customer service call center, which at the time was outsourced to a call center in the Dominican Republic, to finally get my issue escalated to someone in Jacksonville who could help to get my contract reinstated and the billing/payment issues resolved. Since my contract was cancelled, my payments were being applied to DH's account.

Unlike many people who were posting complaints on FL Blue's Facebook page about not being able to get their prescriptions filled or medical services/procedures performed, I took no prescriptions or had any dr appts during that time, so I was lucky compared to many others.

I filed a complaint with the FL Dept of Insurance, but since FL Blue was the only insurance company in the state at the time willing to offer ACA plans, my complaint was basically ignored.
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Old 10-29-2019, 07:51 AM   #13
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LXEX55,


I am your neighbor, in St Pete Beach. DW and I have had FL Blue for a full year+ now, (Silver plan) and we are pretty happy with it. Our subsidy is very good, and I pay about 1/5 of what I paid for no better coverage on COBRA. And our out-of-pocket expenses have been very little, albeit with no major health issues.

We did go to the walk-in center in Pinellas Park, and worked with Jennifer. She was great and I would recommend calling and making an appointment with her.


Keep in mind that it is normally only in-state.... almost anything else will pay more for out-of-network care


Good luck!
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