Florida Blue Medicare Benefit plans can be found in Florida solely, and the supplier’s star scores from the Facilities for Medicare & Medicaid Providers (CMS) are barely beneath common. Member expertise scores, nonetheless, are above the common for main suppliers.
Right here’s what it’s best to find out about Florida Blue Medicare Benefit.
Florida Blue Medicare Benefit execs and cons
Florida Blue’s choices have benefits and drawbacks.
Professionals
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Members give excessive marks: Member expertise scores on metrics like customer support and getting wanted care are above the common for main suppliers.
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Mixture of plans: Florida Blue gives each HMO and PPO plans, giving members extra choices for care.
Cons
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Beneath-average star scores: 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 an entire.
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Restricted availability: Florida Blue gives Medicare Benefit plans in Florida solely.
Florida Blue Medicare star scores
Common star score, weighted by enrollment: 3.74
The Facilities for Medicare & Medicaid Providers maintains star scores for Medicare Benefit plans on a 5-point scale, rating plans from greatest (5 stars) to worst (1 star). The company bases these scores on plans’ high quality of care and measurements of buyer satisfaction, and scores could change from 12 months to 12 months.
Primarily based on the newest 12 months of information and weighted by enrollment, Florida Blue’s 2024 Medicare Benefit plans get a mean score of three.74 stars.
For comparability, the common star score for plans from all suppliers is 4.04.
What does Florida Blue Medicare Benefit price?
Prices for Medicare Benefit plans rely in your plan, your geographic location and your well being wants.
Premiums
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.
At the same time as 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 price. (Most individuals pay this commonplace quantity, but when your earnings is above a sure threshold, you may pay extra.)
Copays, coinsurance and deductibles
Necessities for copays, coinsurance and deductibles fluctuate relying in your plan, location and the companies you employ. Different out-of-pocket prices to contemplate embrace:
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Whether or not the plan covers any a part of your month-to-month Medicare Half B premium.
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The plan’s yearly deductibles and some other deductibles, corresponding to a drug deductible.
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Copayments and/or coinsurance for every go to or service. For example, there could also be a $10 copay for seeing your major physician and a $45 copay for seeing a specialist.
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The plan’s in-network and out-of-network out-of-pocket maximums.
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Whether or not your medical suppliers are in-network or out-of-network, or how typically chances are you’ll exit of community for care.
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Whether or not you require further advantages, and if the plan expenses for them.
To get a way of prices, use Medicare’s plan-finding software to check info amongst out there plans in your space. You possibly can choose by insurance coverage provider to see solely Florida Blue plans or evaluate throughout carriers. You too can store straight from Florida Blue’s web site by getting into your ZIP code.
Obtainable Medicare Benefit plans
There are a couple of sorts of Florida Blue Medicare Benefit plans, and so they fluctuate by way of construction, prices and advantages. Florida Blue gives Medicare Benefit prescription drug plans (MAPDs) in addition to Medicare Benefit plans with out drug protection. Florida Blue additionally gives Medicare Half D prescription drug plans.
Plan choices embrace the next varieties:
Florida Blue Medicare Benefit service space
Florida Blue gives Medicare Benefit plans in Florida solely and covers about 185,000 members.
Examine Medicare Benefit suppliers
Get extra info beneath about a few of the main Medicare Benefit suppliers. These insurers provide plans in most states. The plans you possibly can select from will rely in your ZIP code and county.
Discover the suitable Medicare Benefit plan
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What are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance will probably be? Are you able to afford them?
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Is your physician in-network? You probably have a most popular medical supplier or suppliers, be sure that they take part within the plan’s community.
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Are your prescriptions coated? Should 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?
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Is there dental protection? Does the plan provide routine protection for imaginative and prescient, dental and listening to wants?
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Are there extras? Does the plan provide any further advantages, corresponding to health memberships, transportation advantages or meal supply?