Disclaimers
Health coverage is offered by Blue Cross and Blue Shield of Florida, Inc. DBA Florida Blue. HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.
© 2026 Blue Cross and Blue Shield of Florida, Inc. DBA Florida Blue. All rights reserved.
We comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. View the Discrimination and Accessibility Notice at floridablue.com/ndnotice, plus information on our free language assistance services.
ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-352-2583 (TTY 711).
ATANSYON: Si w pale Kreyòl Ayisyen, gen sèvis èd pou lang ki disponib gratis pou ou. Rele 1-800-352-2583 (TTY 711).
2. Better You Strides Rewards Program
3. Lyft
4. Blue365®
6. Teladoc
8. meQuilibrium
9. Rewards
10. Tivity Health
11. Healthy Addition Prenatal Program
12. Amazon Pharmacy
14. Walgreens
15. SilverSneakers
17. Finding a Doctor
18. Florida Blue | Sanitas Medical Center
19. BlueVirtual Care
1. Limitations and Exclusions
Policies have limitations and exclusions. The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected. Networks may change throughout the year.
2. Better You Strides Rewards Program
The Better You Strides Rewards program is available to Florida Blue members age 18 years or older covered under an individual ACA plan. Each covered member age 18 years or older is eligible for a one-time reward for joining the program. Rewards earned are subject to the annual program maximum. Reward terms and conditions apply.
Florida Blue has entered into an arrangement with Onlife to provide Florida Blue members with care decision support services, information, and other services. Please remember that all decisions that require or pertain to independent professional medical/clinical judgment or training, or the need for medical services, are solely your responsibility and the responsibility of your physicians and other health care providers. The programs mentioned above are subject to change.
3. Lyft
One (1) Lyft ride available to eligible members 18 years or older up to $50 round trip (up to $25 per one-way trip), subject to terms and conditions. Lyft is an independent third party that provides transportation services.
4. Blue365®
© 2026 Blue Cross and Blue Shield Association — All Rights Reserved. The Blue365 program is brought to you by the Blue Cross and Blue Shield Association. The Blue Cross and Blue Shield Association is an association of independent, locally operated Blue Cross and/or Blue Shield Companies. Florida Blue is an Independent Licensee of the Blue Cross Blue Shield Association. Blue365 offers access to savings on health and wellness products and services and other interesting items that Members may purchase from independent vendors, which are not covered benefits under your policies with Florida Blue,its contracts with Medicare, or any other applicable federal health care program. These products and services will be offered to you through the entire benefit year. During the year, the independent vendors may offer additional discounts on these products and services. To find out what is covered under your policies, contact Florida Blue. The products and services described on the Site are neither offered nor guaranteed under your Florida Blue contract with the Medicare program. In addition, they are not subject to the Medicare appeals process. Any disputes regarding your health insurance products and services may be subject to Florida Blue grievance process. BCBSA may receive payments from vendors providing products and services on or accessible through the Site. Neither BCBSA nor any Blue Company recommends, endorses, warrants, or guarantees any specific vendor, product or service available under or through the Blue365 Program or Site.
5. Value Choice Provider
Value Choice Provider (VCP) is a designation Florida Blue and Florida Blue HMO gives to some in-network providers, including Sanitas Medical Center and GuideWell Emergency Doctors. $0 VCP primary care visits do not apply to Health Savings Account (HSA) plans, Simple Choice plans, or myBlue plans 2286 and 2286O. $0 for first two (2) VCP urgent care visits and reduced cost VCP specialist visits do not apply to HSA plans and Simple Choice plans; VCP services will be covered at the cost share amount that would apply to non-VCPs.
6. Teladoc
Teladoc is an independent company contracted by Florida Blue to provide physician visits via phone or online video to members with non-emergent medical issues. Teladoc is only available in the U.S. Teladoc® is a trademark of Teladoc, Inc. Teladoc is not available to members with a myBlue plan or a Florida Blue Medicare Advantage plan. Check with your doctor to see if they offer virtual visits.
7. Behavioral Health
Florida Blue contracts with Lucet to provide behavioral health services.
8. meQuilibrium
meQuilibrium is an independent company contracted by Florida Blue to provide health services. This benefit is available to Florida Blue members age 18 and older. Eligibility is limited to members with an individual or family plan, an individual or family ACA plan and members with coverage from their fully insured group employer health plan.
9. Rewards
Rewards programs restrictions and limitations may apply. For complete details log in to your floridblue.com member account.
10. Tivity Health
Terms, Conditions and Limitations Apply. Tivity Health Services, LLC, is an independent vendor that provides solutions to improve health and well-being. Fitness Your Way and Tivity Health are registered trademarks of Tivity Health, Inc.
11. Healthy Addition Prenatal Program
All decisions that require or pertain to independent professional medical or clinical judgment or training, or the need for medical services, are solely your responsibility and that of your treating Physician and/or health care Providers. You and your Physicians are responsible for deciding what medical care should be rendered or received, and when that care should be provided.
12. Amazon Pharmacy
Amazon Pharmacy does not dispense Schedule 2 controlled substance or specialty drugs. MedsYourWay prescription drug discount card, administered by Inside Rx LLC, is not insurance. You are responsible for the cost of prescription(s) when using the card. Limitations apply. The discount pricing card is automatically available to all members with no additional sign up needed. The card is electronic only, a physical card will not be mailed. Average savings are based on usage and Inside Rx data as compared to cash prices; average savings are up to 80% for all generics and 37% for select brand medicines. Restrictions apply. Check your plan policy/plan's benefit booklet/contract for more information on what applies to the out-of-pocket maximum. If your medicine has an unfulfilled requirement, the cost may not count toward your (accumulator) out-of-pocket maximum. Typical requirements include prior authorization (PA) needed, quantity limit exceeded, or step therapy needed. Amazon Pharmacy is an independent company contracted to provide Pharmacy Home Delivery services for both Florida Blue and Florida Blue HMO, an affiliate of Florida Blue. These companies are Independent Licensees of the Blue Cross Blue Shield Association.
13. Annual Wellness Checkups
Many Florida Blue plans cover annual wellness checkups, including covered vaccinations, lab work, and screenings, for a $0 copay. During your checkup, if you need medical tests or treatments, prescriptions, or a referral, you may have a cost share. When scheduling your checkup with a new doctor for the first time, ask if you need a new patient visit before your checkup. If so, you may have a cost share for the new patient visit.
14. Walgreens
Walgreens©️ and myWalgreens™️ are trademarks of Walgreen Co. Walgreens is an independent contracted pharmacy provider, and not otherwise affiliated with Florida Blue.
15. SilverSneakers
SilverSneakers(R) is a registered trademark of Tivity Health, Inc. ©️2026 Tivity Health, Inc. All rights reserved.
16. Prime Therapeutics
Florida Blue contracts with Prime Therapeutics, LLC to provide pharmacy benefit management and mail order pharmacy services.
17. Finding a Doctor
If you have a Florida Blue health plan through your employer, you may need to use a different online provider directory (OPD). Please check the website listed on the front or back of your member ID card to visit your OPD and find care options.
18. Florida Blue | Sanitas Medical Center
All medical care is provided by Sanitas, an independent medical center, serving people insured by Florida Blue (or other Blue Cross Blue Shield plans), original Medicare or self-paying for medical treatment.
19. BlueVirtual Care
BlueVirtualCare is a telemedicine service provided by American Well Corporation (Amwell®), an independent company contracted by Florida Blue to provide services for eligible members with non-emergent health concerns. Amwell is only available in the U.S. BlueVirtualCare is not available to myBlue members. myBlue members should check with their primary care physician or contact Florida Blue HMO for available options.
Florida Blue is a PPO and Rx (PDP) Plan with a Medicare contract. Florida Blue Medicare is an HMO Plan with a Medicare contract. Enrollment in Florida Blue or Florida Blue Medicare depends on contract renewal.
Florida Blue and Florida Blue Medicare are Independent Licensees of the Blue Cross and Blue Shield Association. Florida Blue is a trade name of Blue Cross and Blue Shield of Florida Inc.
© 2026 Blue Cross and Blue Shield of Florida, Inc., DBA Florida Blue. All rights reserved.
We comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. View the Discrimination and Accessibility Notice at floridablue.com/ndnotice, plus information on our free language assistance services.
ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-352-2583 (TTY 711).
ATANSYON: Si w pale Kreyòl Ayisyen, gen sèvis èd pou lang ki disponib gratis pou ou. Rele 1-800-352-2583 (TTY 711).
This information is not a complete description of benefits. Call 1-855-601-9465 (TTY 711) for more information.
Medicare beneficiaries may also enroll in Florida Blue Medicare plans through the CMS Medicare Online Enrollment Center located at medicare.gov.
1. Medicare Star Ratings
Every year, Medicare evaluates plans based on a 5-star rating system.
2. Out-of-Network / Non-Contracted Providers
Out-of-network/non-contracted providers are under no obligation to treat Florida Blue Medicare members, except in emergency situations. Please call our member service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services..
3. SilverSneakers®
SilverSneakers is a registered trademark of Tivity Health, Inc. © 2026 Tivity Health, Inc. All rights reserved.
4. HealthyBlue Rewards
HealthyBlue Rewards Program (HealthyBlue) restrictions and limitations may apply. Eligible members who opt in to participate in HealthyBlue Rewards must complete the activity and redeem rewards no later than December 31 of the benefit year. Unredeemed rewards earned in 2026 will not carry over to 2027 and will expire if you disenroll from the plan. Participation in HealthyBlue is voluntary and offered at no additional cost to you.
5. Blue365®
© 2000-2026 Blue Cross and Blue Shield Association. All Rights Reserved. The Blue365 program is brought to you by the Blue Cross and Blue Shield Association (BCBSA). The BCBSA is an association of independent, locally operated Blue Cross and/or Blue Shield Companies (each a Blue Company). Blue365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items covered under policies with your Blue Company, its contracts with Medicare, or any other applicable federal healthcare program. The products and services described herein are neither offered nor guaranteed under your Blue Company’s contract with the Medicare program and are not subject to the Medicare appeals process. Any disputes regarding these products and services may be subject to your Blue Company’s grievance process. The BCBSA may receive payments from Blue365 vendors. The BCBSA does not recommend, endorse, warrant, or guarantee any specific Blue365 vendor or item. Visit blue365deals.com for more information.
6. Blue Dollars Card
Eligible allowance and rewards amounts cannot be combined. Additional limitations or restrictions may apply. Subscription-type services like Walmart+, Instacart, Shipt, and Amazon are not eligible. The Benefits Mastercard® Prepaid Card, is issued by The Bancorp Bank, N.A., pursuant to license by Mastercard International Incorporated and Card can be used for eligible expenses wherever Mastercard is accepted. Mastercard and the circles design is a trademark of Mastercard International Incorporated. Valid only in the U.S. No cash access.
7. Over the Counter (OTC)
The Over The Counter (OTC) allowance is a quarterly benefit and any unused amounts do not roll over to the next quarter. Allowance amounts vary by plan. Consult the Evidence of Coverage for details.
FHCP Medicare is an HMO Plan with a Medicare contract. Enrollment in FHCP Medicare depends on contract renewal.
HMO Coverage is offered by Florida Blue Medicare, Inc., DBA FHCP Medicare, an Independent Licensee of the Blue Cross and Blue Shield Association.
We comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. View the Discrimination and Accessibility Notice at fhcpmedicare.com/ndnotice_ENG, plus information on our free language assistance services.
Español, Kreyol Ayisien.
For assistance, prospective FHCP Medicare members please call 1-844-672-7324 (TTY: 1-800-955-8770). Hours: 8:00 a.m. to 8:00 p.m. local time, seven days a week, from October 1 through March 31, except for Thanksgiving and Christmas. From April 1 through September 30, our hours are 8:00 a.m. to 8:00 p.m. local time, Monday through Friday, except for major holidays.
Current FHCP Medicare members please call 1-833-866-6559 (TTY: 1-800-955-8770). Hours: 8:00 a.m. to 8:00 p.m. local time, seven days a week, from October 1 through March 31, except for Thanksgiving and Christmas. From April 1 through September 30, our hours are 8:00 a.m. to 8:00 p.m. local time, Monday through Friday, except for major holidays.
FHCP Medicare
P.O Box 9910
Daytona Beach, FL 32120-9910
This information is not a complete description of benefits. Call 1-844-672-7324 for more information. TTY users should call 1-800-955-8770.
FHCP Medicare’s pharmacy network includes limited lower-cost, preferred pharmacies in Brevard, Flagler, Seminole, St. Johns and Volusia counties, Florida. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-costs preferred pharmacies in your area, please call 1-833-866-6559 (TTY users call 1-800-955-8770) or consult the online pharmacy directory at fhcpmedicare.com.
Medicare beneficiaries may also enroll in FHCP Medicare plans through the CMS Medicare Online Enrollment Center located at medicare.gov.
Every year, Medicare evaluates plans based on a 5-star rating system. Star ratings are calculated each year and may change from one year to the next.
Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.
BlueMedicare Supplement Plans C and F and BlueMedicare Supplement Select Plan C may not be offered to any newly eligible Medicare beneficiary. Newly eligible Medicare beneficiary means anyone who attains age 65 on or after January 1, 2020, or who first becomes eligible for Medicare benefits due to age, disability or end-stage renal disease on or after January 1, 2020.
Florida Blue Medicare Supplement Insurance policies are not connected with or endorsed by the U.S. Government or the Federal Medicare Program.
The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected. While factors such as medical costs and inflation will increase premiums, you will always pay entry age rate providing you have BlueMedicare Supplement continuous coverage. Medical underwriting will apply to all BlueMedicare Supplement and BlueMedicare Supplement Select products, unless you are turning 65 or enrolling in Medicare Part B for the first time. BlueMedicare Supplement Select policies do require you to use in-network hospitals.
Policy Numbers:
BlueMedicare Supplement Plan A – 30147-0717 SU
BlueMedicare Supplement Select Plan B – 30166-0717 SU
BlueMedicare Supplement Plan C – 30149-0717 SU
BlueMedicare Supplement Plan D – 30150- 0717 SU
BlueMedicare Supplement Plan F – 30151-0717 SU
BlueMedicare Supplement Plan G – 30152-0717 SU
BlueMedicare Supplement Plan K – 30154-0717 SU
BlueMedicare Supplement - Plan L – 30155-0717 SU
BlueMedicare Supplement Plan M – 30156-0717 SU
BlueMedicare Supplement Plan N – 30157-0717 SU
BlueMedicare Supplement Select Plan B – 30166-0717 SU
BlueMedicare Supplement Select Plan C – 30167-0717 SU
BlueMedicare Supplement Select Plan D – 30168-0717 SU
BlueMedicare Supplement Select Plan M – 30159-0717 SU
If this policy is replacing current health insurance coverage that has been in effect for at least three months, there is no waiting period required for pre-existing conditions. However, if this policy does not replace current health insurance coverage, a condition treated three months before the effective date may not be covered until three months after the effective date of this policy. Additionally, coverage for this condition may not begin for patients in a hospital or skilled nursing facility the day before the effective date until they have been released, or six months passed the effective date of the policy. For special circumstances or questions, please call 1-855-601-9465 or (TTY 711.
BlueMedicare Supplement and BlueMedicare Supplement Select Plans are guaranteed renewable.
Florida Blue will only terminate your coverage for nonpayment of premiums or material misrepresentation.
Exclusions for BlueMedicare Supplement and BlueMedicare Supplement Select Plans
Services or supplies not covered or approved by Medicare, and not considered eligible as a Medicare- Eligible Expense; Services or supplies in excess of what Medicare determines or would have determined is a covered Service and a Medicare-Eligible Expense; Services or supplies which would duplicate what Medicare has paid or would have paid had a claim for Services been submitted to Medicare; Services for which there is no charge or for which you have no legal liability to pay; Mental or nervous disorders, alcoholism and drug addiction in excess of what Medicare allows.; Illness, treatment or medical conditions arising out of: War or act of war (whether declared or undeclared); participation in a felony, riot or insurrection, engaging in an illegal occupation, service in the armed forces or auxiliary units thereto; suicide or attempted suicide, whether sane or insane, or intentionally self-inflicted injury; coverage for air related accidents which occur outside of the United States; being intoxicated or under the influence of any narcotic unless taken on the advice of a Physician; Cosmetic surgery, except that “cosmetic surgery” does not exclude benefits for reconstructive surgery when such Service is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, or to restore normal bodily function; Hearing aids and eyeglasses and examinations for prescription fitting; Rest cures, custodial care, transportation and routine physical examinations.
These Plans do not contain limitations or exclusions on coverage that are more restrictive than those of Medicare.
The following exclusions apply ONLY to the plans indicated and not to other BlueMedicare Supplement or BlueMedicare Supplement Select plans:
• Applies only to Plan A: Medicare Part A Inpatient deductible; Medicare Part B deductible; Care received outside of the United States.
• Applies only to Plan A, Plan B and Select Plan B: Care received at a skilled nursing facility.
• Applies only to Plan B, Select Plan B, Plan K and Plan L: Medicare Part B deductible; Care received outside of the United States.
• Applies only to Plan C and Plan F: Care received outside of the United States that is not a Medically Necessary Medical Emergency/Accident Service.
• Applies only to Plan D, Select Plan D, Plan G, Plan M Select Plan M, and Plan N: Medicare Part B deductible; Care received outside of the United States that is not a Medically Necessary Medical Emergency/Accident Service.
Applies only to BlueMedicare Select Plans:
• Network Hospital - You are responsible for only 50% of the Medicare Part A deductible for each Medicare Benefit Period.
• Non-Network Hospital, you are responsible for 100% of the inpatient Medicare Part A deductible EXCEPT as indicated in the Network Hospital Restrictions.
SilverSneakers® is a separate fitness program and not part of Florida Blue’s Medicare Supplement Insurance Policy. To enroll in SilverSneakers®, you must be enrolled in a Medicare Supplement Insurance Policy through Florida Blue. Your SilverSneakers® fitness membership will automatically cancel when you are no longer enrolled in a Florida Blue Medicare Supplement Insurance policy. You may cancel your SilverSneakers® membership at any time.
SilverSneakers is a registered trademark of Tivity Health, Inc. © 2026 Tivity Health, Inc. All rights reserved.