Blue Cross and Blue Shield of Florida (BCBSFL)

In Florida, it seems that threats of hurricanes or other natural disasters happen on a regular basis. While many Floridians will shrug their shoulders at the unpredictability of it all, it is probably because these individuals remain prepared for emergency situations.  Blue Cross Blue Shield of Florida understands the need for preparation, and have been providing Florida citizens with health coverage needs since 1941. Furthermore they perform their services to Florida well; BCBS of Florida boasts a positive credit rating from three of the largest carrier ratings companies.

Health Insurance Plans Offered by the Blue Cross Blue Shield of Florida

• BlueOptions, Blue Choice PPO: Deductibles range from $500-$2,500. Preventive care is available with no co-pay, and other services require a small co-insurance or co-pay amount. There is also an optional maternity rider available. You choose your own doctor, whether in or out of the Blue Cross network.
• BlueCare HMO: This plan emphasizes preventive care, so co-pays are low. Hospitalization and prescription drugs are covered. Maternity coverage is optional.
• Dimension IV (DIV): This traditional plan has a 25% co-insurance. Hospitalization and office visits are covered at this percentage, as are outpatient services such as lab work. Prescription drug coverage is available, but only when in-network.
• Essential: This plan only covers catastrophic injury and hospitalization. A $250 deductible is required, as well as a $250/admission charge. The plan covers operating room charges, intensive care, room and board, drugs and lab work.

Ratings

AM Best (A)
Moody's (A2)
S&P (A+)

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