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Florida Blue Medicare Advantage Plans

Why consider Florida Blue Medicare Advantage plans? This company has been providing people with health insurance for over seven decades. The company used to operate as Blue Cross Blue Shield of Florida. They’ve also been covering seniors on Medicare for over one-quarter of a century. Also, Florida Blue maintains 21 service centers in Florida and has agents dispersed all over the state. You can rely upon Florida Blue Medicare plans for everything from HMOs with no monthly premium to regional PPOs with nationwide networks.

We hope to help you do a good comparison of what these plans cover to find the right policy and premium for your needs. As specialists in Florida Blue Medicare plans, we’d like you to work with us. We will consider your health needs, prescriptions, location, and premium preferences to help you find the policy that meets your needs. Because there are so many Florida Blue Medicare plans, we can satisfy most of our local clients.

You are very welcome to call us directly to have us help you go through your medications, favorite doctors, and so on to find the best plan for yourself or a family member. We have worked with Florida Blue for a long time, and we have also been proud to help hundreds’ of Medicare beneficiaries compare their coverage options. We want to help you too.

Compare Florida Blue Medicare Advantage Plans

While a Florida Blue Medicare plan won’t be the right choice for everyone, they are worth considering when you compare Medicare Advantage plans. Most seniors prudently prefer to do business with insurance companies who have proven their ability to provide the best benefits, good customer service, and a competitive premium.

Hopefully, you’ll take a few minutes to learn more about Medicare and in particular, Florida Blue Medicare plans.

When to Enroll in a Florida Blue Medicare Advantage Plan

Most of you will only get one chance every year to join a Medicare Advantage plan. There are some exceptions for new Medicare recipients and special circumstances. In any case, your chances to replace your policy are somewhat limited.

You should keep that in mind when you do a comparison to make sure that you will be happy with what the policy will cover if you’d rather have an HMO or PPO plan, and extra benefits that might help you save money or offer you convenience. After you do your comparison, you will make a policy choice that you will probably have to live with for the next 12 months.

The list below should help you understand more about your enrollment periods:

  • Initial Election Period: This is often called the IEP, and it’s the period you get to choose Medicare Advantage, Medigap or a drug plan when you first quality. You can enroll up to three months in advance and for three months after that if those dates happen to coincide with annual enrollment or not.
  • Annual Election Period: The AEP is the time each year when everybody gets a chance to compare Medicare Advantage plans and Part D, and they also get to signup for a replacement plan if they want to. Right now, this period is from October 15 to December 7, but it might change in other years.
  • Disenrollment Period: From January 1 to February 15, Medicare beneficiaries get a period to drop their Medicare Advantage or drug plans and return to original Medicare.
  • Special Election Periods: If you lose your coverage, move out of the plan’s service area, or have some other special circumstances, you may get an SEP to enroll in replacement a plan as well.

Understanding Florida Blue Medicare Advantage Plans

Before you choose a Florida Blue Medicare plan or any Medicare Advantage plan, it will help to understand a little bit about how Medicare works with these plans. You might already realize that Medicare Part A and B are usually called Original Medicare. Together, these offer you extensive benefits to help pay for hospital and medical services.

Of course, Part A and B don’t cover all health-related services, most prescriptions, or almost anything at 100 percent. Florida Blue Medicare Advantage plans offer you an alternative to using Part A and B in this way:

  • Blue Cross Blue Shield of Florida contracts with Medicare to provide all-in-one coverage that has to meet or exceed the benefits from Original Medicare.
  • Typically, Florida Blue MA plans also bundle in prescription drug plans.
  • Certain Florida Blue Medicare Advantage plans may come with some value-added perks that may help you pay for such health-related services as dental and vision care.

Medicare Part D

Note that you can buy a prescription drug plan on its own if your Florida Blue Medicare plan doesn’t include Part D. You do need drug coverage because Original Medicare doesn’t help you pay for the typical type of medications that you pick up at the corner drug store. Again, you can expect most Florida Blue Medicare Advantage plans to already include Part D.

These are some things that you should keep in mind when you compare drug coverage with any Florida Blue Medicare plans:

  • Check the plan’s formulary to make sure that it includes your prescriptions, and make a note of how they are covered.
  • Some Florida Blue Medicare plans may encourage you to use cheaper generics and justify the use of brand-name medications.
  • If you don’t get Part D or enroll in an MA plan that includes it, you might need to pay a penalty later when you do sign up. This penalty would be waived if you have other creditable drug coverage, such as you may get from your employer.

Options for Florida Blue Medicare Advantage Plans

To quickly boil all of the options down in one statement, it’s fair to say that the more choices you get, the more you will either pay in cost sharing or your monthly premium. More restrictive plans are also likely to have no monthly premium, but rates can vary by counties and not just by a plan.

Of course, that’s not all of it. In some cases, plans are offered that are specifically tailored for special needs. For example, SNP Medicare Advantage plans could be tailored for people in nursing homes, who get Medicaid, or with specific treatment needs.

With that in mind, this is a general overview of the basic kinds of Medicare Advantage plans that the company offers:

  • HMO: A health maintenance organization usually provides you with lower costs but has more strict network rules. While most of these managed care plans have exceptions for emergencies, most of the time you have to pick a primary care doctor, get referrals from that doctor for specialist visits, and can’t expect to be covered outside of your network. Most of the time, zero premium options are HMOs.
  • PPO: A preferred provider organization, or PPO, will be cheaper if you use the network, but you have the option of getting coverage if you step outside of the network. You are free to visit a specialist without a referral too.
  • Regional PPO: These Medicare Advantage PPO plans have larger networks that might extend across the whole state, or in some cases, they may even be national. They will offer you the most flexibility and might help you save money by staying in-network if you leave your local area a lot.

Florida Medicare Advantage Plans: Extras

There are a few more things you should learn about Florida Blue Medicare Advantage plans. Many of these things won’t just apply to Florida Blue but to any Medicare Advantage plan that you enroll in.

These are some things to learn about Florida Blue Medicare plans:

  • Even if you enroll in a Medicare Advantage plan with zero premium, you probably still need to pay the Part B premium.
  • The government assigns star ratings for each company’s Medicare Advantage plans. Ratings range from one to five stars. They are based on many factors about how well the company has served customers in the previous year, and they can change each year.
  • Most people qualify for a Florida Blue Medicare plan because they have Original Medicare, also referred to as Medicare Part A and B.

Best Florida Blue Medicare Advantage Plans

To help you understand your options for a Florida Blue Medicare Advantage plan, we are providing a breakdown of various plans. These plans are under the brand name of Florida BlueMedicare. Since it’s not possible to list all of the details on this page, we’ve highlighted some features that may differentiate them.

Also, certain plans “may” come with additional benefits like Silver Sneakers, dental and vision plans, and so on. The perks for the more flexible plans are typically better than the perks for, the more limited ones.

This list below roughly orders these plans from the most flexible to the least flexible and from the most expensive to the least:

BlueMedicare Choice RPPO

BlueMedicare Choice RPPO is a regional PPO. Because it is a regional PPO, it is the most flexible of Florida Blue Medicare plans for Medicare Advantage. You can get coverage inside or outside of the network without ever needing referrals.

This regional PPO offers the statewide network, and you can also get in-network services nationwide with other “Blue” licensed companies.

BlueMedicare Classic HMO

Some strong points of the BlueMedicare Classic HMO are lower copays and out-of-pocket maximums for plan members.

You can join this BlueMedicare plan in these counties:

  • Bay, Brevard, Broward, Charlotte, Citrus, Collier, Duval, Escambia, Hernando,
    Hillsboro, Lake, Le,e Manatee, Marion, Martin, Miami-Dade, Orange, Osceola,
    Palm Beach, Paso, Polk, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Sumter

Additional BlueMedicare HMO Options

  • BlueMedicare Premier HMO
    The BlueMedicare Premiere HMO offers members lower cost-sharing in exchange for a smaller network. Some highlights of this plan include dental coverage and transportation for both pharmacy and doctor visits.
    The BlueMedicare Premier HMO plan is available in Clay, Duval and Broward Counties.
  • Blue Medicare Classic Plus HMO
    The Blue Medicare Classic Plus HMO allows you the greatest access to in-network providers of any of the company’s HMO offerings.
    You can join this BlueMedicare plan in these counties:
    Bay, Brevard, Broward, Charlotte, Citrus, Collier, Duval, Escambia, Hernando,
    Hillsboro, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Orange, Osceola,
    Palm Beach, Paso, Polk, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Sumter
  • BlueMedicare Preferred HMO
    The BlueMedicare Preferred HMO plan offers local HMO access with coordination of care for chronic medical conditions.
    It is available in Clay, Duval, Pinnelas, Manatee, and Sarasota Counties.

Blue Medicare Special Needs Plans

  • BlueMedicare Preferred HMO C-SNP
    The BlueMedicare Preferred HMO C-SNP offers coordinated health care for people who suffer from diabetes or heart disease.
    It is available in Clay, Duval, Pinnelas, Manatee, and Sarasota Counties.
  • BlueMedicare Complete D-SNP
    This is a plan for dual eligibles or those Medicare beneficiaries who also get Medicaid benefits.
    The BlueMedicare Complete D-SNP is available in Broward, Miami-Dade, Orange, and Polk Counties.

Florida Blue Medicare Advantage Plans: Name Changes

If you already have a Florida Blue Medicare Advantage plan, you should know that they might have changed names.

This list below shows you some plan name changes for BlueMedicare plans to compare:

  • BlueMedicare Classic: This used to be Called BlueMedicare Lifetime
  • BlueMedicare Classic Plus: This used to be BlueMedicare MyTime
  • BlueMedicare Premier: This was BlueMedicare MyTime Plus
  • BlueMedicare Regional PPO: This was BlueMedicare Choice

Of course, these plans may have more changes than just the names. Again, you are probably prudent to do a comparison of plan benefits and formularies during your AEP this year.

We Are Here to Help You Compare Florida Blue Medicare Plans

Our mission is not to tell you which plan is best for you. We want to help you compare your options to find the PPO, HMO, or another plan that will offer you the best savings, convenience, and benefits. Your choice may depend on your town or city, current medical needs, financial situations, or even your preferences about how you prefer to obtain quality healthcare.

If you contact our senior specialists, we will be happy to research providers, hospitals, and medications to help you make a choice you will be pleased to use. Today’s seniors enjoy a lot of choices when it comes to Medicare Advantage plans in Florida, and Florida Blue offers a vast array of options. We’re here to make sure that you make the best choice for your own needs.

Please note: We are not Florida Blue, we are a contracted General Agency. This is information is a basic overview, please refer to your policy for complete plan details and benefits.