Temporary plans include 30, 60, 90, and 180-day coverage, which are also considered Creditable Coverage when you're ready for long-term health coverage with Blue Cross and Blue Shield of Florida. Long-term or ongoing plans provide coverage for as long as you pay your monthly premium.

Creditable Coverage is proof of prior insurance that is sometimes required when you change your insurance carrier. It proves uninterrupted coverage. Without a Certificate of Creditable Coverage, you might have a waiting period or may not be covered for a pre-existing condition. For Medical Eligible products, you may be assessed a late enrollment penalty without a Certificate of Creditable Coverage.

The BlueRx Discounts Program offers discounts on nearly all prescription drugs, generic and brand name, purchased at participating pharmacies. This pharmacy program is accepted by over 40,000 pharmacies nationwide. Under BlueRx, mail order prescription discounts are also available.

The BlueScript Pharmacy Program is designed to provide access to prescription drugs at an affordable price. Using our Preferred Medication List (three tiered) or Drug Formulary Guide (two tiered), members can control out-of-pocket costs through their choice of prescriptions categorized as Preferred Generic Prescription Drugs, Preferred Brand Name Prescription Drugs and Non-Preferred Prescription Drugs.

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Maternity/Obstetrical Care

Maternity/Obstetrical Care benefits are available with most of our plans for an additional rate. Coverage includes prenatal services normally associated with pregnancy including pregnancy tests, blood tests and ultrasound/ echography. Services by a doctor, hospital, birth center, midwife or certified nurse midwife and anesthesiologist are also included.

BlueOptions Plan Options:

• $1,500 deductible - once the deductible is met, BCBSF pays 50% coinsurance for all covered services during the pregnancy and delivery.
• $2,500 deductible- once the deductible is met, BCBSF pays 50% coinsurance for all covered services during the pregnancy and delivery.
• Copay - $35 copay for the initial office visit, then $150 inpatient hospital copay per day up to $750 maximum.

BlueSelect and Miami-Dade Plan Options (if offered in your area):

• $1,500 deductible - once the deductible is met, BCBSF pays 50% coinsurance for all covered services during the pregnancy and delivery.
• Copay - $35 copay for the initial office visit, then $150 inpatient hospital copay per day up to $750 maximum.

A health savings account (HSA), is a tax-free medical savings account available to members who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account are not subject to federal income tax at the time of deposit. These funds roll over and accumulate year to year if not spent. HSAs are owned by the individual member and can be used to pay for qualified medical expenses at any time without federal tax liability or penalty.

Qualified medical expenses are any IRS approved items such as:

• Doctor's office visits
• Dental services
• Eye exams, eyeglasses, contact lenses and solution, and laser surgery
• Hearing aids
• Orthodontia, dental cleanings, and fillings
• Prescription drugs and some over-the-counter medications
• Physical therapy, speech therapy, and chiropractic expenses

Blue Cross and Blue Shield of Florida (BCBSF) offers only the BlueOptions high-deductible health plans specifically designed to be used in conjunction with a Health Savings Account (HSA).

Coinsurance is the percentage you pay for covered health care services. It’s part of the total cost of medical or hospital services you receive. If your plan has a deductible, you pay your coinsurance for covered services once the deductible is met. For example, some policies allow you to pay a small percentage of the total bill when you visit the doctor – this percentage is what is known as "coinsurance." Generally, if you pick a plan with a lower coinsurance amount, your premium (the monthly amount you pay) will be higher. If you pick a plan with a higher coinsurance amount, your premium will be lower.

In the example below, you visited the doctor and the total bill was $100. Notice that if you have a plan with a higher coinsurance amount (25%), then your monthly premiums are generally lower, but you pay a little more when you visit the doctor's office ($25.00 instead of $10.00).

Coinsurance is the percentage you pay for covered health care services. Its part of the total cost of medical or hospital services you receive. If your plan has a deductible, you pay your coinsurance for covered services once the deductible is met. For example, some policies allow you to pay a small percentage of the total bill when you visit the doctor – this percentage is what is known as "coinsurance." Generally, if you pick a plan with a lower coinsurance amount, your premium (the monthly amount you pay) will be higher. If you pick a plan with a higher coinsurance amount, your premium will be lower.

In the example below, you visited the doctor and the total bill was $100. Notice that if you have a plan with a higher coinsurance amount (25%), then your monthly premiums are generally lower, but you pay a little more when you visit the doctor's office ($25.00 instead of $10.00).

If you’re between jobs or just starting out, BlueOptions Temporary Insurance offers comprehensive medical benefits without medical underwriting. Choose coverage for 30, 60, 90, or 180 days, which is also considered Creditable Coverage when you’re ready for ongoing health coverage with Blue Cross and Blue Shield of Florida. Note: The optional maternity benefit is not available with Temporary coverage.

Creditable Coverage is proof of prior insurance that is sometimes required when you change your insurance carrier. It proves uninterrupted coverage. Without a Certificate of Credible Coverage, you might have a waiting period or may not be covered for a pre-existing condition. For Medical Eligible products, you may be assessed a late enrollment penalty without a Certificate of Credible Coverage.