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, nonetheless, are above the typical for main suppliers.
Right here’s what it is best to learn about Florida Blue Medicare Benefit.
Florida Blue Medicare Benefit execs and cons
Florida Blue’s choices have benefits and downsides.
Members give excessive marks: Member expertise rankings on metrics like customer support and getting wanted care are above the typical for main suppliers.
Mixture of plans: Florida Blue affords each HMO and PPO plans, giving members extra choices for care.
Beneath-average star rankings: Florida Blue Medicare Benefit plans rating barely beneath the business common star score from CMS — 3.74 for 2024 plans versus 4.04 for the business as a complete.
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 could change from 12 months to 12 months.
Primarily based on the latest 12 months of information and weighted by enrollment, Florida Blue’s 2024 Medicare Benefit plans get a median score of three.74 stars.
For comparability, the typical star score for plans from all suppliers is 4.04.
What does Florida Blue Medicare Benefit value?
Prices for Medicare Benefit plans rely in your plan, your geographic location and your well being wants.
One of many prices to contemplate 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 $0 premium.
Whilst 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 value. (Most individuals pay this normal quantity, but when your earnings is above a sure threshold, you may 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 contemplate embrace:
Whether or not the plan covers any a part of your month-to-month Medicare Half B premium.
The plan’s yearly deductibles and another deductibles, reminiscent of a drug deductible.
Copayments and/or coinsurance for every go to or service. As an example, there could also be a $10 copay for seeing your main physician and a $45 copay for seeing a specialist.
The plan’s in-network and out-of-network out-of-pocket maximums.
Whether or not your medical suppliers are in-network or out-of-network, or how typically you might exit of community for care.
Whether or not you require additional advantages, and if the plan expenses for them.
To get a way of prices, use Medicare’s plan-finding instrument to match data amongst accessible plans in your space. You may choose by insurance coverage provider to see solely Florida Blue plans or evaluate throughout carriers. You can too store instantly from Florida Blue’s web site by getting into your ZIP code.
Accessible Medicare Benefit plans
There are a number of sorts of Florida Blue Medicare Benefit plans, and so they range by way of 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:
Florida Blue Medicare Benefit service space
Florida Blue affords Medicare Benefit plans in Florida solely and covers about 185,000 members.
Examine Medicare Benefit suppliers
Get extra data beneath about among the main Medicare Benefit suppliers. These insurers provide plans in most states. The plans you may select from will rely in your ZIP code and county.
Discover the suitable Medicare Benefit plan
What are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance shall be? Are you able to afford them?
Is your physician in-network? You probably have a most well-liked medical supplier or suppliers, make sure that they take part within the plan’s community.
Are your prescriptions coated? In the event you’re on treatment, it’s essential to grasp how the plan covers it. What tier are your pharmaceuticals on, and are there any protection guidelines that apply to them?
Is there dental protection? Does the plan provide routine protection for imaginative and prescient, dental and listening to wants?
Are there extras? Does the plan provide any additional advantages, reminiscent of health memberships, transportation advantages or meal supply?