
BCBS Florida PPO plans offer a wide range of coverage options, including medical, dental, and vision care. You can choose from various network options, including a large network of healthcare providers.
In Florida, BCBS PPO plans are available in many counties, including Miami-Dade, Broward, and Palm Beach. These plans provide access to a large network of healthcare providers.
BCBS Florida PPO plans require you to pay a copayment or coinsurance for services, but you have the flexibility to choose any healthcare provider within the network. This means you can see a specialist without a referral from your primary care physician.
Finding Care
You can access care through Teladoc, a telehealth service that offers 24/7 visits with a $0 copay.
To get started, set up a Teladoc account by providing some general medical information, including any medications you're taking and the names of your current physicians or providers. Click here to begin the registration process or download the Teladoc app from the Apple App or Google Play stores.
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Teladoc is available in English and Spanish, and you can contact them at 800-835-2362 for questions.
Alternatively, you can ask your current in-network or out-of-network provider if they offer virtual visit services. This can be a convenient option for non-emergency situations.
If your primary care service is suitable for a virtual visit, you can take advantage of this service. As of January 1, 2022, telehealth is no longer limited to primary care services.
To find a doctor who participates in the BCBS Florida PPO network, choose "Preferred Patient Care" within the Find a Doctor tool on your member ID card. This will show you physicians and providers who are part of the network specifically for State Employee plans.
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Understanding Your Plan
You can view how claims were processed, including your out-of-pocket costs, deductibles, and provider payments, by clicking on Claims & Statements.
This will give you a clear picture of your health care costs and provide you with resources and money-saving tips to help you take control.
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To estimate the cost of medical services and office visits, click on Tools and then Compare Medical Costs. This will give you quality ratings along with the estimated costs.
You can also find Florida Blue medical coverage guidelines, which are developed in consultation with expert physicians and based on clinical studies and medical-specialty organizations.
These guidelines are used to make clinical determinations and can be found on the Florida Blue website.
Dental and Medicare Options
With BCBS Florida PPO, you have a range of dental options to choose from.
You can opt for a dental plan that covers 80% of your preventive care costs, such as cleanings and check-ups, with no out-of-pocket costs.
BCBS Florida PPO also offers a network of dentists who participate in the PPO plan, allowing you to see a dentist of your choice without a referral.
Medicare options are also available through BCBS Florida PPO, including Medicare Advantage plans that combine medical and prescription drug coverage.
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Blue Dental Copayment
BlueDental Copayment is a great option for those who want predictable and affordable dental care. It's part of a plan with PPO benefits, which means you'll have access to a national network of 60,000 dentists.
This plan offers fixed copayments for in-network services, making it easier to budget for your dental expenses.
BlueMedicare Choice
The BlueMedicare Choice plan is a great option for those looking for flexibility in their medical coverage. It's a regional PPO, which means you can receive medical coverage inside or outside of the network without referrals.
This plan offers a statewide network, covering the entire state of Florida, and you can also get in-network services nationwide with other "Blue" licensed companies.
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Florida Blue Plans
Florida Blue offers a range of plans that cater to different needs and preferences.
With Florida Blue PPO Plans, you have the flexibility to see any healthcare provider you choose without needing a referral.
You can also see specialists without needing a referral, giving you more control over your healthcare decisions.
These plans offer more options for healthcare providers, giving you peace of mind knowing you can see the doctor or specialist you want.
Florida Blue Advantage
Florida Blue Advantage offers Medigap plans A through N and various Medicare Advantage plans, known as HMO and PPO’s.
These plans allow you to share costs with the plan for primary care visits, specialist visits, ER visits, inpatient hospital care, and more.
You'll pay a monthly premium, and your shared costs could be a flat fee for doctor visits or a copay for inpatient hospital care.
A medical deductible usually doesn't count towards doctor visits, but it could count towards outpatient procedures and inpatient hospital care.
Florida Blue Advantage plans can include additional benefits like the Silver Sneakers Fitness program, which is free to participate.
This program is designed to help you live an active and independent lifestyle.
Some Florida Blue plans also offer preventative dental and vision benefits at an added cost.
If you have a medical condition like diabetes, you might be interested in a Wellness program like the Diabetes Prevention Program, which is also free to participate.
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Network and Providers
With BCBS Florida PPO, you'll have access to a large network of doctors at no extra cost. This is a big advantage, especially for those who prefer to see a specialist or need to see a doctor quickly.
You can find a doctor in our network by visiting our website or by calling our customer service team.
Plan Comparison and Selection
When comparing and selecting a health plan, it's essential to consider the costs and benefits of each option. To get a clear picture, you can view your health plan's claims and statements, which will show you how claims were processed, including your out-of-pocket costs, deductibles, and provider payments.
You can also estimate the cost of medical services and office visits, along with quality ratings, using the "Compare Medical Costs" tool. This will give you a better understanding of what to expect from each plan.
Florida Blue develops medical policies in consultation with expert physicians, clinical studies, and medical-specialty organizations. These policies, also known as medical coverage guidelines, are used to make clinical determinations.
By considering these factors, you can make an informed decision about which health plan is best for you.
Frequently Asked Questions
Is BCBS Florida the same as Florida Blue?
Florida Blue and BCBS Florida are one and the same, serving millions of people across 16 states through its affiliated companies. Learn more about our mission to help people and communities achieve better health.
What is BCBS PPO called?
BCBS PPO is known as BlueCard PPO. This national program provides out-of-area benefits to members through a network of designated PPO providers.
What is a PPO in Florida?
A PPO in Florida is a type of health insurance plan that allows you to see out-of-network providers, but may cost more than in-network care. With a PPO, you have flexibility in choosing doctors and specialists without needing a primary care referral.
What is a disadvantage of a PPO plan?
A disadvantage of a PPO plan is that it tends to be more expensive than an HMO plan, with higher monthly premiums and out-of-pocket costs. This is due to the flexibility to visit out-of-network providers, which increases costs for the policyholder.
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