Do I still have coverage with Blue Cross and Blue Shield of Florida (FL) if I live in a different state?

Yes! As a member of BCBSFL, you have access to the National Alliance of Blue Cross and Blue Shield providers nationwide.

When will I receive medical ID cards from BCBSFL?

You will receive your medical ID cards after enrolling in your benefits for the first time. Generally, it takes up to 14 business days for cards to arrive after BCBSFL receives and processes your enrollment.

Does BCBSFL have coverage for virtual/telehealth doctor visits?

Yes, BCBSFL has an arrangement with Teladoc for virtual/telehealth visits.

Does BCBSFL offer any benefits or discounts for wellness or gym memberships?

Yes! As a member of BCBSFL, you will have access to a number of wellness, fitness, and other discounts through the Blue 365 discount program. You will be able to access more information when you log in to your account at MyHealthToolkitFL.com.

What is a deductible?

This is the amount you must pay for your eligible medical and prescription drug claims before your health plan starts to share in the cost. If you receive non-covered services (such as cosmetic surgery), or are balance billed by an out-of-network provider, these expenses will not count toward your deductible.

Do in-network and out-of-network claims count toward the in-network deductible?

The in-network deductible is separate from the out-of-network deductible.

What is coinsurance?

It is a percentage amount that you are responsible for paying after you have met your deductible but before you have met your out-of-pocket maximum. This is when the plan starts to share in the cost of eligible claims.

What is an out-of-pocket maximum?

The out-of-pocket maximum is the maximum amount you are responsible to pay for eligible, covered expenses during a calendar year. If you receive non-covered services (such as cosmetic surgery), or are balance billed by an out-of-network provider, these expenses will not count toward your out-of-pocket maximum.

Do in-network and out-of-network claims count toward the in-network out-of-pocket maximum?

The in-network out-of-pocket maximum amount is separate from the out-of-network out-of-pocket maximum.

Do my paycheck contributions for my medical coverage go toward my deductible or out-of-pocket maximum?

Your paycheck contributions are separate from your deductible and out-of-pocket maximum amounts.

Why do you only offer medical plans with deductibles, and not a PPO or HMO?

Every year, we benchmark BBI against other employers in our industry, and the benefits we offer are in line with our competitors.

Are infertility services covered under the medical plans?

Infertility services, such as AI and IVF, are not covered by the medical plans. We continue to review our benefit offerings annually.