Florida Blue Medicare Benefit plans can be found in Florida solely, and the supplier’s star rankings from the Facilities for Medicare & Medicaid Providers (CMS) are barely beneath common. Member expertise rankings, nevertheless, are above the common for main suppliers.
Right here’s what it’s best to find out about Florida Blue Medicare Benefit.
Florida Blue Medicare Benefit execs and cons
Florida Blue’s choices have benefits and downsides.
Execs
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Members give excessive marks: Member expertise rankings on metrics like customer support and getting wanted care are above the common for main suppliers.
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Mixture of plans: Florida Blue affords each HMO and PPO plans, giving members extra choices for care.
Cons
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Beneath-average star rankings: Florida Blue Medicare Benefit plans rating barely beneath the trade common star score from CMS — 3.74 for 2024 plans versus 4.04 for the trade as a complete.
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Restricted availability: Florida Blue affords Medicare Benefit plans in Florida solely.
Florida Blue Medicare star rankings
Common star score, weighted by enrollment: 3.74
The Facilities for Medicare & Medicaid Providers maintains star rankings for Medicare Benefit plans on a 5-point scale, rating plans from greatest (5 stars) to worst (1 star). The company bases these rankings on plans’ high quality of care and measurements of buyer satisfaction, and rankings might change from yr to yr.
Primarily based on the latest yr of information and weighted by enrollment, Florida Blue’s 2024 Medicare Benefit plans get a median score of three.74 stars
.
For comparability, the common star score for plans from all suppliers is 4.04
.
What does Florida Blue Medicare Benefit price?
Prices for Medicare Benefit plans rely in your plan, your geographic location and your well being wants.
Premiums
One of many prices to think about is the plan’s premium. In 2024, about two-thirds of Florida Blue Medicare Benefit plans (65%) that aren’t particular wants plans (SNPs) have a $zero premium
.
At the same time as a Medicare Benefit consumer, you’ll nonetheless be liable for paying your Medicare Half B premium, which is $164.90 monthly in 2023 ($174.70 in 2024)
, though some plans cowl half or all of this price. (Most individuals pay this commonplace quantity, but when your earnings is above a sure threshold, you will pay extra.)
Copays, coinsurance and deductibles
Necessities for copays, coinsurance and deductibles range relying in your plan, location and the providers you employ. Different out-of-pocket prices to think about embrace:
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Whether or not the plan covers any a part of your month-to-month Medicare Half B premium.
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The plan’s yearly deductibles and another deductibles, reminiscent of a drug deductible.
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Copayments and/or coinsurance for every go to or service. As an illustration, there could also be a $10 copay for seeing your main physician and a $45 copay for seeing a specialist.
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The plan’s in-network and out-of-network out-of-pocket maximums.
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Whether or not your medical suppliers are in-network or out-of-network, or how typically it’s possible you’ll exit of community for care.
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Whether or not you require additional advantages, and if the plan costs for them.
To get a way of prices, use Medicare’s plan-finding instrument to match data amongst out there plans in your space. You may choose by insurance coverage provider to see solely Florida Blue plans or examine throughout carriers. You may as well store instantly from Florida Blue’s web site by coming into your ZIP code.
Out there Medicare Benefit plans
There are a number of sorts of Florida Blue Medicare Benefit plans, and so they range when it comes to construction, prices and advantages. Florida Blue affords Medicare Benefit prescription drug plans (MAPDs) in addition to Medicare Benefit plans with out drug protection. Florida Blue additionally affords Medicare Half D prescription drug plans.
Plan choices embrace the next sorts:
A well being upkeep group (HMO) usually requires that you just use a particular community of docs and hospitals. You might want a referral out of your main physician to be able to see a specialist, and out-of-network advantages are often very restricted.
HMO-POS plans
HMO level of service (POS) plans are HMO plans that enable members to get some out-of-network providers, however they’ll pay extra for these providers.
Most popular supplier group (PPO) plans present probably the most freedom, permitting you to see any supplier that accepts the insurance coverage. You might not want to decide on a main physician, and also you don’t want referrals to see specialists. You may search out-of-network care, though it could price greater than seeing an in-network physician.
Particular wants plans (SNPs) limit membership to individuals with sure ailments or traits. Therefore, the advantages, community and drug formularies are tailor-made to the wants of these members. Florida Blue affords one sort of SNP:
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Twin-Eligible SNP: For people who find themselves entitled to Medicare and who additionally qualify for help from a state Medicaid program.
Florida Blue Medicare Benefit service space
Florida Blue affords Medicare Benefit plans in Florida solely and covers about 185,000 members
.
Evaluate Medicare Benefit suppliers
Get extra data beneath about among the main Medicare Benefit suppliers. These insurers provide plans in most states. The plans you possibly can select from will rely in your ZIP code and county.
Discover the fitting Medicare Benefit plan
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What are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance will probably be? Are you able to afford them?
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Is your physician in-network? When you’ve got a most well-liked medical supplier or suppliers, make certain they take part within the plan’s community.
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Are your prescriptions lined? When you’re on treatment, it’s essential to know how the plan covers it. What tier are your pharmaceuticals on, and are there any protection guidelines that apply to them?
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Is there dental protection? Does the plan provide routine protection for imaginative and prescient, dental and listening to wants?
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Are there extras? Does the plan provide any additional advantages, reminiscent of health memberships, transportation advantages or meal supply?
