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We offer voluntary insurance products including life, worker’s compensation, accident, critical illness, and hospital confinement to help you protect your employees and their families from the unexpected. Contact your local agent to learn more about the voluntary products available to you and your employees.

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Our voluntary insurance products


Accident insurance pays a benefit to your employee for a loss due to accidental injury and helps pay for losses or treatments like major diagnostic exams, medical appliances, emergency dental work and more.

Critical Illness

Critical Illness Insurance delivers lump sum payments to your employees upon the first diagnosis of a covered illness. This insurance protects your employee and their family from the financial impacts that can result from a heart attack, stroke or cancer.

Hospital Confinement

Hospital Confinement Insurance helps cover the costs associated with hospital stays, like out-of-pocket deductibles and copays and provides benefits for inpatient expenses.

Contact us to learn more about our voluntary coverage products

Call 888-313-9426 to speak with a Florida Blue representative.

Voluntary products are provided by USAble Life, an independent company that operates separately from Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. USAble Life does not sell or service Florida Blue products. USAble Life is the insurer and is solely responsible for the Accident, Critical Illness, and Hospital Indemnity products referenced here.

Blue Cross and Blue Shield of Florida, Inc., and its affiliate Health Options, Inc., contracts with the Centers for Medicare & Medicaid Services to administer Medicare Advantage and Part D Prescription Drug benefits, in the state of Florida. These contracts are renewed annually, and availability beyond the end of the current contract year is not guaranteed.

The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected.

Networks are comprised of independent contracting health care providers.

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