Florida Blue Medicare enhances Medicare Advantage benefits to improve affordability and accessibility for Floridians | Florida Blue (2024)

Jacksonville, Fla. - October 14, 2022

Florida Blue Medicare today released details of its 2023 Medicare offerings, which aim to provide Florida residents with high quality, affordable plans that meet their evolving health needs. New solutions from Florida Blue Medicare will ensure members can access personalized, wrap-around and support services whether at the doctor’s office, while traveling or at home.

The Medicare Annual Enrollment Period opens tomorrow, Oct. 15, and runs through Dec. 7, for coverage effective Jan. 1, 2023.

With many Medicare-eligible consumers particularly concerned about inflation and the rising cost of living, Florida Blue Medicare sought to tackle one of the biggest barriers to better health outcomes, costly prescription drugs. Many Florida Blue Medicare plans for 2023 now offer a $0 tier 1 and 2 copay, enabling members to access hundreds of prescription drugs at no cost.

Preferred pharmacy tiering was also eliminated to simplify the process of selecting a pharmacy. It’s now the same lower cost share at any in-network pharmacy.

Florida Blue Medicare offers 24/7 personalized at-home care so all eligible members can receive all of their primary care services in the comfort of their own home, including vaccinations and imaging.

“Florida Blue Medicare is committed to providing comprehensive benefits and expansive programs,” said Kathy Feeny, president of Florida Blue Medicare. “We have a long history of serving Florida residents and we pride ourselves on understanding their unique needs. Our strong collaborations with providers allow us to offer more affordable plan options while delivering access to excellent networks, new tools, and supplemental benefits.”

More than one in five Floridians are enrolled in Medicare, and more than half of those beneficiaries enroll in Medicare Advantage plans. Florida Blue Medicare has a range of comprehensive options so all eligible beneficiaries can choose the plan that works best for them.

“We know health care, specifically for seniors, is defined by their experiences outside as well as inside the doctor’s office,” said Camille Harrison, Florida Blue’s executive vice president of Medicare and chief innovation and customer experience officer. “That is why we are focused on offering specialized programs and wrap-around care to ensure we are tackling all the elements that help our members and communities achieve better health.”

Florida is also home to hundreds of thousands of Puerto Ricans who have moved to the mainland but maintain close cultural ties with family and friends still on the island. To serve this growing community, Florida Blue Medicare PPO plans offer access to in-network care for members visiting Puerto Rico.

Additionally, Florida Blue Medicare has expanded options in the Panhandle, providing greater choice in a region that has historically had more limited access to care.

Highlights of Florida Blue Medicare’s 2023 Medicare Advantage plans include:

Comprehensive, easy to use benefits

  • Exceptional supplemental benefits on most BlueMedicare Medicare Advantage plans: Members can access dental care, vision and hearing annual allowances, transportation to medical appointments and money to buy over-the-counter products, like toothpaste and aspirin.
  • Freedom to use all in-network pharmacies: Florida Blue Medicare removed the standard and preferred pharmacy tiering, making prescription drugs from any in-network pharmacy available at the lower cost share. The network includes regional grocers, national pharmacies and big box retailers, plus many physician partners with in-house pharmacies.
  • Eliminated PCP copay tiering on Value LPPO plans: Now all PCPs are available at the lower cost share, with many plans at $0.
  • More robust support for dual eligible members: Those of greatest economic need, who are dual eligible for Medicare and Medicaid, will have access to additional benefits such as extra money toward groceries, along with $0 copays for brand and generic prescription drugs.

Florida-focused, trusted everywhere

  • Access in Puerto Rico: Florida Blue Medicare PPO members can get care from in-network providers while visiting Puerto Rico.
  • BlueMedicare Value PPO offers national coverage: Members have access to coverage in 48 states, the District of Columbia, and Puerto Rico.
  • BlueMedicare Complete Dual Special Needs Plan (D-SNP)-HMO Expanded Coverage Area: These specialized plans are now available in more areas across the state to serve the most vulnerable Floridians.

Adapted benefits for members with diverse needs

  • Extra benefits for members with chronic conditions: BlueMedicare Premier HMO plan members can qualify for additional benefits if they have heart disease, congestive heart failure, COPD or diabetes. For most members, benefits include extra money each quarter for over-the-counter meds, dietician consultations, free meals delivered to their home, free personal training sessions, plus transportation services.
  • Enhanced dental benefits: BlueMedicare members who have been diagnosed with certain chronic health conditions that are linked to oral health have $0 copays for x-rays, fluoride treatments and deep cleanings.
  • Personalized health care at home: Eligible Medicare members have 24/7 access to their primary care doctor and care team through Emcara Health — including exams, tests, vaccinations and even imaging — in the comfort of their own home.

Industry-leading wrap-around care at no extra cost

  • Florida Blue Centers: Those looking for personalized support, help finding caregiving resources in their community or assistance finding a doctor can reach out to their local Florida Blue Center and talk with a nurse on the phone or in person. It’s easy to find a local center at floridablue.com/center or by calling 1-877-352-5830.
  • meQuilibrium: This digital, self-guided, personalized program improves resiliency skills and helps with mental well-being and stress reduction from the comfort of home.
  • Support for Caregivers: Florida Blue offers digital tools, resources, and personalized expert advice to help caregivers care for themselves and their loved ones. Support includes financial advice, assistance in finding local resources for help at home or at senior living facilities and tips to manage decision-making as a family.
  • Healthy Blue Rewards: Florida Blue Medicare Advantage members can get between $160 and $220, depending on the plan, in gift cards to restaurants, retailers or local gas stations when they complete healthy activities.
  • Access to Blue365: A free health and wellness discount program with year-round exclusive discounts of up to 50% on gym memberships, fitness gear, healthy eating options and more.
  • Papa Pals: Connects youthful, energetic adults (Papa Pals) to older adults who need assistance with transportation, light household chores, errands, technical guidance, and other senior support services, along with offering companionship.
  • Transportation: To help make sure transportation isn’t a barrier to care, many Florida Blue Medicare plans provide rides to doctor appointments at $0 extra cost.
  • Personalized Condition Management and Guidance: A team of nurses are dedicated to members with complex injuries, or who are chronically ill, very sick or near the end of life, providing coaching and help to deal with their illness, follow their treatment plans and get the care and support they need.

About Florida Blue Medicare

Florida Blue Medicare is committed to helping our Florida neighbors live healthier. We offer a wide range of plan options, including Medicare Advantage plans, to give our members what they need to live their best lives and improve their overall health and well-being. Headquartered in Jacksonville, Fla., Florida Blue Medicare is built for Florida’s seniors and proud to be affiliated with Florida Blue, a health insurer that has served Floridians for over 75 years. Florida Blue and Florida Blue Medicare are Independent Licensees of the Blue Cross and Blue Shield Association. Learn more at FloridaBlue.com/Medicare.

Florida Blue Medicare enhances Medicare Advantage benefits to improve affordability and accessibility for Floridians | Florida Blue (2024)

FAQs

Which of the following are advantages of Florida Blue HMO Medicare Advantage health care plans? ›

Many of our Medicare Advantage plans can give you vision, dental, and hearing coverage, and low or no copays to see doctors and specialists. Most plans even have a $0 monthly plan premium.

What is the Florida Blue Plan? ›

INDIVIDUAL HEALTH PLANS FROM FLORIDA BLUE

Preventive care is covered at no cost and most prescription drugs are covered after your deductible and copays. Essential (HSA) Plans can be combined with a tax-free Health Savings Account. You'll pay a deductible and coinsurance for all health care services.

Why choose Florida Blue? ›

From the critical coverage that delivers peace of mind to the full breadth of health solutions that care for every aspect of your well-being, you can rest assured that Florida Blue is always looking out for you, your family, and your community as we have done for 80 years. We are so much more than an insurer.

Is Florida Blue Medicare a good plan? ›

Florida Blue Medicare Advantage pros and cons

Members give high marks: Member experience ratings on metrics like customer service and getting needed care are above the average for major providers. Mix of plans: Florida Blue offers both HMO and PPO plans, giving members more options for care.

Why do doctors not like Medicare Advantage plans? ›

In some cases, your doctor may not agree with your insurance provider's decision to approve a less expensive treatment before paying for a more expensive one that your doctor may recommend. Providers in Medicare Advantage networks may also have to take time away from patients to spend it on pre-authorization paperwork.

Is Florida Blue good insurance? ›

Florida Blue has an average score of 3 out of 5 stars in its most recent report card from the NCQA, an industry group. The star rating measures things like patient experience, treatment, prevention and equity when creating its ratings.

Is Florida Blue based on income? ›

When you apply for individual and family coverage through the Marketplace, you'll provide income and household information. You'll find out if you qualify for: Premium tax credits and other savings that make insurance more affordable.

Is Florida Blue considered Medicare or Medicaid? ›

“If you're wondering if Florida Blue is Original Medicare, it is not. Original Medicare is operated by the Centers for Medicare and Medicaid Services (CMS). “ Florida Blue offers three types of Medicare Advantage plans – HMO, PPO, and HMO DSNP.

What is the out of pocket limit for Florida Blue health? ›

In-Network: $7,150 Per Person/$14,300 Family. Out-Of-Network: $14,300 Per Person/$28,600 Family. The out-of-pocket limit is the most you could pay in a year for covered services.

Can anyone get Florida Blue? ›

Whether you're new to the state of Florida or just looking for better coverage, Florida Blue has great plan options for you.

Is Florida Blue good out of state? ›

How am I covered if I travel outside the State of Florida? When traveling out-of-state, you're covered under the BlueCard® Program. You'll receive in-network benefits and will be protected from balance billing when receiving covered services from a BlueCard® participating provider.

Is Florida Blue a HMO or PPO? ›

Florida Blue's HMO plans, myBlue, BlueCare and SimplyBlue, feature a primary care doctor who coordinates your health care, sometimes including referrals to specialists.

Does Florida Blue have a food card? ›

The Blue Dollars card is a prepaid card you can use to pay for any dental, vision or hearing, healthy food+*, over-the-counter (OTC) items, and services beyond your plan benefits.

What is the advantage of Medicare Advantage plans? ›

With a Medicare Advantage Plan, you may have coverage for things Original Medicare doesn't cover, like fitness programs (gym memberships or discounts) and some vision, hearing, and dental services (like routine checkups or cleanings).

What is the difference between a Medicare Advantage plan and an HMO? ›

An HMO Plan is a type of Medicare Advantage Plan that generally provides health care coverage exclusively from doctors, other health care providers, or hospitals in the plan's network (except emergency care, out-of-area urgent care, or temporary out- of-area dialysis).

What are the advantages of an HMO or PPO for a Medicare recipient? ›

PPO Medicare Costs. PPO plans tend to have somewhat higher costs than HMO plans, but they generally have larger networks. You also have the flexibility to see doctors out of the network at an additional cost. HMO plan costs tend to be lower than PPO plans as long as you receive care within the network.

What is the difference between Florida Blue HMO and PPO? ›

Also, with an HMO plan, unless it's an emergency, you only have coverage for care and supplies from providers in your plan's network. Our PPO plans, BlueOptions and BlueSelect, do offer out-of-network coverage and you can manage your care, including choosing doctors and specialists, on your own.

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