Florida Blue Cross Blue Shield Insurance
At A&B Insurance we’re interested in helping you find the right health care coverage at the right price. That’s what Blue Cross and Blue Shield of Florida (BCBSF) has been doing for over 60 years… providing millions of Floridians with personalized health solutions that are flexible and affordable. From group benefit plans to individual and family health coverage, and Medicare Supplements to dental policies, we have something for everyone – and every budget. You tell us, how can Blue help you?
Our Products
Group Health Benefit Plans
BCBSF has a wealth of group health care solutions that work. Whether your group is small (50 employees or less), or large (over 50 employees), count on Blue for all of your health insurance needs.
- BlueOptions – meets the diverse needs of your workforce with a variety of benefit and premium options, including Health Savings Account (HSA) Compatible plans.
- BlueSelect – offers a range of health plans featuring lower premiums and a local network design for added cost savings.
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 and Child Only coverage for dependent children ages one to 17.
Traditional Insurance
- 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.
- GoBlue – includes a health services card for discounts on routine health care like office visits, independent labs, dental services and prescription drugs without network restrictions.
- FamilyBlue – provides a medical discount card for discounted medical services for the entire family without network restrictions.
- Cover Florida – in partnership with the Governor’s health care access initiative, plans offer low cost, benefit-rich options for uninsured Floridians, regardless of your medical conditions or health status.
- 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.
- Advantage65 – includes many network-based, Medicare plans that provide hospital and/or medical coverage along with your existing plan.
- CompCoverage – 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 HMO (offered by Health Options, Inc.) – features complete Medicare coverage including prescription drug benefits and dental services by network providers.
- BlueMedicare PPO – features prescription drug coverage and dental benefits, plus the freedom to choose any provider, in-network or out.
- BlueMedicare PFFS (Private Fee for Service) – offers flexible, comprehensive benefits for services by any Medicare-approved provider, and includes prescription drug coverage.
- BlueMedicare Rx – offers low cost Medicare Part D prescription drug plans, some with zero deductibles, available even if you do not carry BCBSF insurance.
Value Plans with No Medical Questions Asked
Partnership Plans
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.)
Medicare Supplement Plans
Medicare Advantage Plans
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. A&B Insurance is a contracted general agency for Blue Cross and Blue Shield of Florida, Inc.
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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