How It Works

This is an open access plan that does not require you to choose a primary care physician. You may choose the physician of your choice. However, to receive your maximum benefit, you should select an in-network doctor from participating Florida Blue, Blue Options (Network Blue) providers found at www.floridablue.com.

Plan Details Include: 

• All coverage levels have a cost associated with this plan
• Employees have the freedom to choose an in-network or out-of-network service provider at the time of service
• Deductible and coinsurance applies to all services that do not have set copays; for example:
  • Inpatient and outpatient hospitalization
  • Ambulatory surgical center facility
  • All out-of-network services
• Coinsurance and copays (including Rx) count towards the maximum out-of-pocket limit
• Medical Flexible Spending Account available (Employee Contributions Only)
• Inspira Financial Card accounts will not roll over the amount elected in the prior plan year

Note: If you wish to contribute to the Medical FSA, you must make that election at your enrollment session. Prior year contributions are not going to automatically roll over. 

How to Find a Primary Care Provider (PCP)

Please follow the instructions below to search for In-Network Providers:

1. www.FloridaBlue.com
2. Click on “Find Care”
3. Click on “Find a doctor”
4. Go to the section “Find Doctors by Plan”
5. Click the Select “drop-down”
6. Under Health Plans select BlueCare (HMO)
7. Click Continue
8. Enter the “Last Name” of the provider and/or “select the type of provider”
9. Search within your mile radius, using the drop-down (5,10,20)
10. Enter your zip code
11. Click search now

PPO Plan Bi-Weekly Contribution Rates