Trusted Blue Cross Blue Shield Coverage Through Florida Blue
We provide a range of Blue Cross Blue Shield products through Florida Blue. Elliot starts with your care needs, budget, doctors, and prescription questions, then helps you understand the coverage available to you.
Whether you’re looking for individual coverage for yourself or health insurance for your family, we can help you find the right plan.
Who Is Health Insurance For?
Health insurance is available for individuals, couples, and families. Individual coverage may be the right fit if you are:
- Self-employed, a small-business owner, or run a home-based business
- Between jobs for more than three months
- Not covered through your employer or cannot access affordable coverage
- No longer on a parent's health plan
Family coverage may be the right choice if you want to protect:
- Your spouse or partner
- Children or dependents
- Extended family members in certain situations
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What Is Health Insurance?
Health insurance is a contract with an insurer that helps cover some or all of your healthcare costs in exchange for a premium. Here are key terms:
Health Insurer
A company providing health insurance policies.
Benefits
Healthcare services, treatments, and supplies your policy covers.
Premium
The amount you pay for coverage, usually monthly. Automatic bank drafts are recommended to prevent lapses
Policy / Plan
Your purchased health insurance coverage.
In simple terms, you pay a monthly premium so the insurer helps cover costs if you or your family need medical care.
Coverage Options
We offer a variety of plans designed to meet different needs:
Individual Health Insurance
For people buying coverage on their own.
Family Plans
Protect your spouse, children, and dependents under one policy.
High Deductible & HSA-Compatible Plans
Combine lower premiums with tax-advantaged savings accounts.
Comprehensive Coverage
Includes doctor visits, hospital stays, prescriptions, and preventive care.
Specialized Plans
Options for young adults, retirees under 65, and more.
Why You Need Health Insurance
Health insurance can help you prepare for covered medical care and the costs that come with it. Before choosing a plan, it is important to understand:
What you may pay
Premiums, deductibles, copays, coinsurance, and out-of-pocket limits can all affect your household budget.
How care is accessed
Provider networks, referrals, prescription formularies, and plan rules can affect where and how you receive covered care.
When coverage is available
Enrollment periods, eligibility, plan type, and the details of your situation can affect the coverage options available to you.
Insurance rules and options can be confusing. A licensed insurance agent can help you understand the coverage details, timing, and questions that matter to you and your family.
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