Medical

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.

Does BCBSFL have coverage for virtual/telehealth doctor visits?

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

What happens if I am in the middle of ongoing care for a health condition, like a pregnancy in the second or third trimester, or cancer treatment?

UnitedHealthcare (UHC) will be sharing information directly with Blue Cross and Blue Shield of FL (BCBSFL) as part of a process known as Transition of Care (TOC). This process is designed to help minimize any disruption to your ongoing care management that is not expected to end by December 31, 2021. By mid-late December, anyone currently enrolled with UHC whose health condition qualifies for TOC will be contacted by BCBSFL for assistance. If you feel your condition may qualify and you are not contacted by BCBSFL, you may also submit a TOC form to BCBSFL directly.

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 on to your account at MyHealthToolkitFL.com.

Will UnitedHealthcare continue paying claims in 2022?

UnitedHealthcare (UHC) will continue paying claims that were incurred by December 31, 2021, even if your medical provider does not submit them to UHC until early 2022. Any claims for dates of service starting on or after January 1, 2022 need to be sent to Blue Cross and Blue Shield of FL (BCBSFL) for processing.

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?

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?

For 2022, infertility services such as AI and IVF are not covered by the medical plans. We continue to review our benefit offerings annually.