Individual Health Plans from Florida Blue

At Bay Bridge Insurance, we specialize in providing individual health insurance policies through Florida Blue, Florida’s Blue Cross and Blue Shield plan, one of the state’s largest health insurers. We can help you select a health plan that meets your family’s needs and budget, while also meeting the Affordable Care Act requirements.

With so many health plans to choose from, we can help you:

  • Determine whether you qualify for a premium tax credit
  • Evaluate your unique coverage needs
  • Select deductible and copay/coinsurance levels that benefit your individual needs
  • Determine a monthly premium that works with your budget 

  • Florida Blue plans are upheld with an impressive history of service, stability and quality customer care that dates back more than 70 years. 

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    Summary of the Available Plan Categories:

    Essential Plans generally offer lower monthly premiums. You will pay a deductible and coinsurance for all health care services. Preventive care is covered at no cost and most prescription drugs are covered after your deductible and copays are satisfied.

    Essential (HSA) Plans can be combined with a tax-free Health Savings Account. You will pay a deductible and coinsurance for all health care services. Preventive care is covered at no cost and most prescription drugs are covered after your deductible and copays are satisfied.

    Everyday Health Plans include copays for primary care visits and a choice of cost-sharing options for all other health care services and prescription drugs.

    All Copay Plans offer a $0 deductible and fixed copays for all covered health care services.

    BlueOptions (PPO/EPO)

    Available statewide
    Largest physician and hospital network
    Coverage for care outside of the network, except for Exclusive Provider Services
    Specific providers required for prescription drugs and vision and/or dental services (if applicable)

    BlueCare (HMO)

    Available in select counties
    Large physician and hospital network
    No out-of-network coverage except for emergencies

    BlueSelect (PPO/EPO)

    Available in select counties
    Limited hospital network
    Coverage for care out-of-network, except for Exclusive Provider Services
    Specific providers must be used for prescription drugs, durable medical equipment and supplies, home health, lab tests and vision and/or dental services (if applicable)

    Adding dependents to your plan

    If you wish to add dependents under the age of 19 to your Florida Blue health-only plan, Florida Blue, in accordance with the provisions of the Affordable Care Act, is required to ask you to demonstrate that you first have coverage for pediatric dental services. To get pediatric coverage you can:

    Choose a health plan that includes pediatric dental coverage as part of the policy, or
    Purchase a separate pediatric dental plan, which is also offered through Florida Blue

    Get more with Florida Blue - at no additional cost

    Florida Blue offers members a broad range of services and programs that are not only convenient, but help save money on many health care needs.

    Once you enroll in a Florida Blue plan and receive your member ID card, you can register your account online at Everything you need to know about your health coverage is at your fingertips 24/7. From claims status and benefit details to finding doctors, health improvement tools, convenient billing options and ways to save money, you can get your health information whenever you need it. You can also access benefits and coverage from your smart phone.

    Becoming a Florida Blue member means you can take advantage of all these extras:

    The content on your website should be simple and easy to read so a wide variety of users can enjoy your copy.

    Member Discounts

    Blue365® is an online member-only discount program that provides substantial savings on health and wellness products and services including:

    Fitness club memberships
    Exercise footwear and apparel
    Weight loss management
    Vision care, glasses and contact lenses
    Hearing aids and care
    Family care and elder care services

    Care Consultants

    Get help understanding your benefits and how to shop for the most cost-effective, quality care. If you’re planning a medical procedure or dealing with a health condition such as diabetes or COPD, help is available. Florida Blue Care Consultants are experts at connecting you with a dedicated nurse, explaining care and treatment options, and helping you save money along the way.


    Get answers to questions 24/7 on common symptoms and illnesses ranging from children’s health and allergies, to diabetes, diagnostic testing and heart conditions. Special programs and online information are/is also available to help you manage these conditions.

    Health & Wellness Programs

    Let Florida Blue’s online Health Assistant help you meet your health goals through self-paced interactive programs. You can personalize programs for weight management, emotional health, stress management, nutrition, smoking cessation and exercise. Track your progress and manage your health goals – all at your own pace.

    Personal Health Record

    You can establish a secure, electronic, portable way to gather, store, manage and share your health information all in one place. Keep track of doctor visits, medical conditions, surgeries, allergies, immunizations and other helpful information through your online account.

    Member Health Statement

    Get a monthly overview of claims, costs and savings. Go green and choose to receive your statement electronically. You can also create custom reports by date, claim type, covered members and other options to print only what you need at tax time.

    Know Before you Go

    Compare costs and quality of medical services before you go to the doctor with Florida Blue’s online cost estimator. While your prescription coverage is designed to keep your out-of-pocket expenses to a minimum, you can compare and find the lowest prices at the closest pharmacies by checking the online drug cost estimator beforehand.

    Dental Coverage

    BlueDental plans, offered through Florida Combined Life Insurance Company, Inc., are an affordable way to protect against the cost of checkups, cavities, crowns and more. You’ll benefit from significant savings depending upon the treatment needed.

    You have a choice of low-cost plans that come with:

    A network of thousands of dentists
    No-hassle claims – no paperwork to submit with participating dentists
    Low or no cost cleanings and preventive services
    Online access to your benefits and claims, 24/7
    No risk 10-day money-back guarantee

    Contact us at (850) 934-7221 for more information and your free rate quote!

    Protect yourself and your savings 

    If something were to happen to you – such as an accident or critical illness, do you have the protection you need for your health as well as your financial security?

    Your health insurance works to pay for just that – your health. Unfortunately, out-of-pocket expenses and uncovered living costs can take a financial toll when you’re unable to work.

    You may wish to consider one of these three affordable plans from USAble Life, which pay lump sum cash when you qualify with a covered incident:

    Critical Illness coverage
    Accident Insurance
    Hospital Confinement coverage

    Blue365® offers access to savings on items that members may purchase directly from independent vendors. Blue365 does not include items covered under your policies with Florida Blue or any applicable federal health care program. To find out what is covered under your policies, call Florida Blue. Blue Cross and Blue Shield Association (BCBSA) and local Blue companies may receive payments from Blue365 vendors. Neither BCBSA nor any local Blue company recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. For more information about Blue365, go to

    As a courtesy, Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue, has entered into an arrangement with Health Dialog® to provide this service. Florida Blue has not certified or credentialed, and cannot guarantee or be held responsible for, the quality of services provided by this vendor. Please remember that all decisions pertaining to medical/clinical judgment should be made with your physician or other health care provider. Florida Blue and Health Dialog do not provide medical care or advice.

    Policies have exclusions and limitations. For costs and complete details of coverage, contact your local insurance agent.

    Networks are comprised of independent contracting health care providers. USAble Life is the insurer and is solely responsible for the supplemental products: Accident, Critical Illness, and Hospital Indemnity. USAble Life is an independent company and operates separately from Florida Blue. USAble does not sell or service Florida Blue products. Health insurance is offered by Blue Cross and Blue Shield of Florida, Inc., D/B/A Florida Blue. HMO coverage is offered by Health Options, Inc., D/B/A Florida Blue HMO, an affiliate of Blue Cross and Blue Shield of Florida. Dental and Life are offered by Florida Combined Life Insurance Company, Inc. (FCL), an affiliate of Blue Cross and Blue Shield of Florida. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. 79473 1114R