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    At The Florida Health Insurance Exchange you will find the best options available for family and individual health insurance. Not only will your health insurance plan be customized to your specifics, you will find the right insurance policy at the right price, and great customer service.

    When it comes to maintaining your health, one choice can lead to a lifetime of living well. From medical, dental, and vision plans to life insurance, The Florida Health Insurance Exchange strives to provide affordable options and personalized support that can get you off and running toward a stronger, healthier you. Insurance plans for individuals and families. You deserve health insurance that helps you achieve your personal goals. No matter where you are in life, The Florida Health Insurance Exchange is dedicated to helping you be the best you want to be.

    Health insurance doesn’t have to be complicated. Whether it’s your first time shopping for a health insurance plan or you have years of experience, we can help you find a plan that’s right for you and your family – one that fits your budget and your personal situation.

    When you choose a health insurance plan from The Florida Health Insurance Exchange, you have access to support, information and tools to help you make more informed healthcare decisions and reach your health and wellness goals.


    When you’re looking for comprehensive health plans, financial products, dental, life and other ancillary plans, we’re here for you.

    Our products and services are continually evolving to meet the diverse needs of people in our communities and to stay true to our mission to help people and communities achieve better health. We invite you to look through our array of affordable health care options. We’re offering more ways to help you spend less for health coverage. More: Plans, options, flexibility, health and wellness programs, cost transparency, peace of mind.


    Everyone deserves quality health care that’s affordable — with valuable, personalized services to help achieve their overall wellness goals. With almost 70 years experience, Florida Blue is one of the largest insurers in Florida. Everyone can expect quality health coverage, plus extra guidance and support to make decisions that are best for themselves and their family.


    • A variety of plans with in and out-of-network coverage options- including plans in the Health Insurance Marketplace for Individuals and in the Small Business Health Options Program (SHOP).
    • Broad provider networks or smaller networks for additional savings.
    • Cost-sharing choices of copays, deductible and coinsurance, or a combination of both.
    • Integrated solutions with a variety of tax-advantaged accounts, such as Health Savings Accounts, Flexible Spending Accounts or Health Reimbursement Accounts.


    • The freedom to choose doctors. No referrals are required.
    • Preventive care provided in-network such as checkups, routine mammograms and covered screenings can be covered at no cost.
    • Prescription coverage for generic and brand name medications, plus the convenience of mail order.
    • Shopping tools for quality and cost estimates for medical services or prescription drugs.
    • Personalized care programs and coordination for diabetes, asthma, heart disease, high cholesterol, depression and more.
    • A 24-hour nurse line for unexpected and ongoing health care questions any time, day or night.
    • Free member discount program with savings up to 50% on gym memberships, nutrition programs, personal care and specialty products.
    • Pediatric dental and vision coverage with many of our plans.
    • Online health assistant tools for weight loss, exercise, smoking cessation, nutrition, stress and more.
    • A member website and mobile apps for easy access to coverage details, health resources and cost-saving tools.
    • Superior customer service and care consultations by phone and in person at Florida Blue Centers located throughout Florida.

    Florida Blue health plans give you a wide range of options that are flexible enough for every budget. Expect a quality network1 of health care providers — whether it’s a BlueOptions plan with the largest network or a BlueSelect plan with a smaller network. Our Exclusive Provider network is an even smaller network used for certain services and it helps to keep costs down.

    BCBSF has a wide range of affordable group health benefit solutions for small businesses. Count on Blue for all of your health insurance needs.

    BlueOptions plans meet the diverse needs of your workforce with a variety of benefit and affordable premium options, including Health Savings Account (HSA)-compatible plans.

    BlueSelect plans offer a range of coverage options featuring lower premiums and a community-focused network designed for added cost savings.

    We also offer Dental, Life and Disability plans for Small Businesses.

    Contact us at 800-864-8813 for a quote tailored to your specific business needs.

    At The Florida Health Insurance Exchange we are sensitive to Seniors needs and strive to offer the best Medicare Plans available.

    Blue Cross Blue Shield of Florida offer s wide variety of Medicare Plans to fit everyone’s needs. From Medicare Supplements, Regional PPO plans and Advantage plans, we have them all!

    Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).


    Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

    Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

    A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

    Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.


    In the United States, Medicare is a national social insurance program, administered by the U.S. federal government since 1966, currently using about 30 private insurance companies across the United States. Medicare provides health insurance for Americans aged 65 and older who have worked and paid into the system. It also provides health insurance to younger people with disabilities, end stage renal disease and amyotrophic lateral sclerosis.


    In 2010, Medicare provided health insurance to 48 million Americans — 40 million people age 65 and older and eight million younger people with disabilities. It was the primary payer for an estimated 15.3 million inpatient stays in 2011, representing 47.2 percent ($182.7 billion) of total aggregate inpatient hospital costs in the United States. Medicare serves a large population of elderly and disabled individuals.

    On average, Medicare covers about half (48 percent) of the health care charges for those enrolled in Medicare. The enrollees must then cover the remaining approved charges either with supplemental insurance or with another form of out-of-pocket coverage. Out-of-pocket costs can vary depending on the amount of health care a Medicare enrollee needs. They might include uncovered services — such as long-term, dental, hearing, and vision care — and the supplemental insurance.


    In July 1965, under the leadership of President Johnson, Congress created Medicare under Title XVIII of the Social Security Act to provide health insurance to people age 65 and older, regardless of income or medical history. Before Medicare’s creation, approximately 65% of those over 65 had health insurance, with coverage often unavailable or unaffordable to the rest, because older adults paid more than three times as much for health insurance as younger people. In 1966, Medicare spurred the racial integration of thousands of waiting rooms, hospital floors, and physician practices by making payments to health care providers conditional on desegregation.


    Medicare has been in operation for over forty-five years and, during that time, has undergone several changes. Since 1965, the provisions of Medicare have expanded to include benefits for speech, physical, and chiropractic therapy in 1972 (Medicare.gov, 2012). Medicare added the option of payments to health maintenance organizations (Medicare.gov, 2012) in the 1980s. Over the years, Congress expanded Medicare eligibility to younger people who have permanent disabilities and receive Social Security Disability Insurance (SSDI) payments and those who have end-stage renal disease (ESRD). The association with HMOs begun in the 1980s was formalized under President Clinton in 1997.


    In 2003, under President George W. Bush, a Medicare program for covering almost all drugs was passed (and went into effect in 2006).

    Since the creation of Medicare, science and medicine have advanced, and life expectancy has increased as well. The fact that people are living longer necessitates more services for later stages in life. Thus in 1982, the government added hospice benefits to aid the elderly on a temporary basis (Medicare.gov, 2012). Two years later in 1984, hospice became a permanent benefit. Congress further expanded Medicare in 2001 to cover younger people with amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease).


    While Medicare pays for many health care services, it doesn’t pay all care cost in full. Our Blue Medicare Supplement insurance policies* help cover most of these costs for you. Whether you’re looking for a basic policy or one with extensive coverage, we have plenty of options for you. And, there are no doctor or hospital** networks so you may choose any doctor, specialist or hospital that accepts Medicare. The benefits provided and the premium amount you are required to pay depend on the plan you choose, your age, tobacco use and county of primary residence. For premium information for your area, please refer to the outline of coverage, available online at The Florida Health Insurance Exchange or see contact page information and hours of operation. When you enroll in any of our BlueMedicare Supplement Select insurance policies, you’ll automatically receive the following at NO extra cost: Age lock-in rating advantage.

    Most Medicare Supplement insurance premiums are based on your age. However, when you enroll in one of our plans, we will always base your rate on the age that you were when you initially enrolled, as long as you maintain continuous coverage in any of our Medicare Supplement policies. For example, if you enroll at age 65, you’ll always pay the rates, charged for individuals age 65, regardless of your current age. However, medical cost increase and inflation could increase our premiums. Automatic claims filing Simply present your red, white, and blue Medicare card AND your BlueMedicare Supplement ID card when you go to the hospital or doctor and we’ll handle the rest.


    When you enroll in one of our Blue Medicare Supplement insurance policies, you’ll automatically have access to our member discount programs. 30-day money-back guarantee If for any reason you’re completely satisfied, simply return your contract to us within 30 days of the policy delivery to receive a full refund of any premiums paid-with no questions asked. BlueMedicare Supplement insurance Policies A, B, C, D, F, G, K, L, M and N

    Our suite of Blue Medicare Supplement insurance policies* follow you wherever you go. If you enjoy traveling or visiting family and friends across the country, these policies provide flexibility and help give you peace of mind. We have 10 different policies to choose from, including several lower premium option** additionally, there are no doctor or hospital networks, so you can choose and doctor, specialist or hospital that accepts Medicare.

    Plans K, L, M and N provide lower premium alternatives. You are responsible for a higher cost-sharing amount when services are rendered, but these policies help protect you from catastrophic expenses. BlueMedicare Supplement Select Insurance Policies B, C, D and M

    BlueMedicare Supplement Select insurance policies* are available in most of florida’s larger counties and offer ideal combinations of choice and value. Should you wish to purchase any one of our select policies, it is necessary that you be a resident in a country where these policies are sold. You’ll enjoy all the benefits and privileges of traditional Medicare Supplement insurance policies, including your choice of doctors. While there are no physician network hospitals** for non-emergency inpatient and outpatient hospital services. Network hospitals have agreed to work with us to lower costs and in turn, were able to offer you lower monthly insurance premiums. For non-emergency services received at non-Select network hospitals, you’ll receive medicare benefits only. Medicare-approved services for emergencies that occur anywhere in the united states are covered regardless of which hospital provides treatment. 2014 Blue medicare supplement insurence policies Since there is no physician network requirement for any of these policies, you’ll want to be sure that your doctor has privileges at one of our network hospitals should non-emergency hospitalization be required.

    Under the BlueMedicare Supplement Select insurance policies, you are required to use a participating BlueMedicare Supplement select hospital. Be sure to use physicians that have admitting privileges at a Select network hospital to guarantee full benefits from the policy. Emergency services are covered at any hospital as long as Medicare approves the services.

    After 90 days of hospitalization during a benefit period, Medicare benefits are paid from a one-time lifetime lifetime reserve of 60 additional days (Days 91-150), which are not renewable.

    A skilled nursing facility is a facility that provides skilled nursing care, among other services, and is approved for payment by Medicare. Note: This facility is not the same as nursing home.

    Excess charges: The difference between the Medicare-approved amount and what a doctor who does not accept Medicare assignment actually charges you for your service. You or your insure must pay the charges. By law, your doctor cannot charge you more than 15 percent above what medicare allows for payment of the service.

    • 50% of part A deductible (you pay 50%)
    • 75% of part A deductible (you pay 25%)
    • 50% of part A coinsurance (you pay 50%)
    • 75% of part A coinsurance (you pay 25%)
    • 50% of part B coinsurance (you pay 50%)
    • 75% of part B coinsurance (you pay 25%)

    You pay $20 per office visit and $50 per emergency room visit $4,940 – this is the amount you pay before the plan says 100% $2,470 – this is the amount you pay before the plan pays 100%.

    The benefits provided and the premium amount you are required to pay depend on the plan you choose your age, tobacco use and county of primary residence. For premium information for your area, please refer to the outline of coverage, available online at The Florida Health Insurance Exchange Guaranteed Acceptance Situations and Corresponding Policies.

    Our Medicare Supplement insurance policies are not connected with or endorsed by the US Government or the Federal Medicare Program. These policies have limitations and exclusions. Medical Underwriting will apply to all BlueMedicare Supplement and BlueMedicare Supplement Select products unless the applicant is eligible for guaranteed issue.

    Policy Numbers 30147-0111 SU / 30148-0111 SU / 30149-0111 SU / 30150-0111 SU / 30151-0111 SU / 30152-0111 SU / 30154-0111 SU / 30155-0111 SU / 30156-0111 SU / 30157-0111 SU / 30166-0111 SU / 30167-0111 SU / 30168-0111 SU / 30159-0111 SU

    While medical cost increases and inflation could increase our premiums, your premium will always remain the lowest we offer, according to your age at enrollment.

    The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected if various plan options are shown.

    At The Florida Health Insurance Exchange we also offer a wide range of ancillary products.

    We will design a plan to fit your lifestyle and your budget so you can breathe easy and live better. Not only will your insurance package be customized to your specifics, your policies will be with one of the top insurance brands available. The Florida Health Insurance Exchange only works with the best companies in the industry.

    You’ll find the right insurance policy at the right price, and great customer service. The Florida Health Insurance Exchange, including FWH & Associates, Inc. and Brevard Agencies, is a Contracted General Agency for Blue Cross Blue Shield of Florida.

    Call us today at 800-864-8813 to get the insurance and the peace of mind you need!

    Some of the ancillary products we offer include:

    • Life Insurance for Individuals and Small Businesses
    • Dental Insurance for Individuals and Small Businesses
    • Long Term Care Insurance
    • Maternity Coverage
    • Disability Insurance for Individuals and Small Businesses
    • Limited Benefit Plans
    • Temporary Coverage Plans


    Some policies may have exclusions and limitations. For costs and complete details of coverage, call or write the insurance agent. The amount of benefits and premium will vary depending upon the plan selected.

    Premium is based on age, gender, county, tobacco usage, etc.

    Dental, Life and Disability insurance are offered by Florida Combined Life Insurance Company, Inc., an affiliate of BCBSF.

    BCBSF and FCL are Independent Licensees of the Blue Cross and Blue Shield Association.