Florida Blue Insurance Card What Is Rax Member Number on Card
There's a lot of talk about the future of health insurance in Florida (across the nation actually) right now, especially with the current presidential election. There may have been some terminology mentioned in debates that you aren't familiar with. One is the Health Savings Account or HSA. It's not a new plan but may be expanded to have more options available in the near future. This type of plan can be beneficial to many but understanding how it works is the first step.
An HSA from a bank or savings perspective is a type of account you set up with a participating bank that is designated to be used to health-related expenses only. The money you put in to this account is tax-free but cannot be used on anything but health-related things such as doctor's visits, procedures, prescriptions, dental and vision services, etc. Health Savings Account funds cannot, however, be used to pay actual premiums.
An HSA from the health insurance perspective is a policy you elect that is typically all out of pocket up to a certain maximum. The most common HSA plan with Florida Blue has a $3,600 deductible (for individuals) that you would pay for yourself, then any and everything over that amount for the remainder of the calendar year is paid for in full by the policy. The maximum amount that you can deposit into the HSA bank account per year is $3,350 for an individual and $6,750 for a family (in 2016) but it will roll over to the next year if unused. After age 65, you can withdraw funds from an HSA account to be used for any reason, without penalty. If you withdraw funds for non-medical use prior to age 65, you must pay the appropriate income taxes as well as a 20% penalty.
The objective and benefit of an Health Savings Account is that you are setting aside money in a "savings" account that you may or may not need for health-related expenses but you're saving on the taxes. You're also guaranteeing that you won't pay more than a certain amount of money towards health insurance costs in one calendar year. Health Savings Accounts are typically offered as an option on employer-provided group insurance as well as individual health insurance.
The following are some examples of qualified health-related expenses that an HSA can be used for:
- Acupuncture
- Alcohol and drug addiction treatment
- Breast reconstruction surgery
- Dental treatment
- Diagnostic tests and devices
- Doctor's visits
- Prescriptions
- Eyeglasses, contact lenses and exams
- Fertility enhancements
- Hearing aids and batteries
- Operations/surgery (non-cosmetic)
- Nursing services
- Physical therapy
- Psychiatric care
- Smoking cessation
Learn more about Health Insurance by visiting other blogs on the topic on our website.
McGriff-Williams Insurance recently received regional and statewide recognition for their sale of Florida Blue health insurance policies in Gainesville, FL.
As an agency, McGriff-Williams Insurance was recognized as one of the top 5 agencies in the northeast region for the sale of Medicare supplements (individuals 65 years of age and above), and as one of the top 15 Florida Blue health insurance agencies in the state of Florida. McGriff-Williams was also ranked within the top 10 in the northeast region for individual health insurance policies for individuals under age sixty-five.
A BIG congratulations to our Health Insurance Advisors, Pat Canty and Travis McGriff, on their individual achievements!
Pat Canty, a veteran of the health insurance industry and top performing Florida Blue sales agent, was recognized as the top (#1) sales agent for health insurance policies for individuals over 65 (Medicare supplements) in the northeast region and second in the state of Florida.
Health Insurance Advisor Travis McGriff, was recognized as the 2nd top sales agent for health insurance policies for individuals over 65 (Medicare supplements) in the northeast region and 5th in the state.
Have questions about your health insurance policy?
We would love to help guide you through the process. Please feel free to call (352-371-7977) or email us at health@mcgriffwillliams.com.
Choosing your health insurance plan/provider can be a daunting and confusing task; however, there are many benefits to having health insurance, with Florida Blue. As the health insurance market has transitioned as a result of the Affordable Care Act (ACA) more providers have become available in Gainesville and Alachua county. While the plans may be comparable, the benefits of one provider over another may relate to additional services, such as those that Florida Blue provides (listed below):
- Plan Options/Choices: Florida Blue offers just under 20 health plan options for individuals under the age of 65 in 2015. About half of the plans are HMO* and half are PPO** plans. In addition to individual health insurance policies for individuals 64 years of age and younger, Florida Blue also offers Medicare supplements, dental, vision, group health insurance plans and temporary individual plans.
- Large doctor/provider network: In Alachua County, Florida Blue has a variety of in-network doctors, dentists and providers. To determine if your doctor is in network, check out our blog "Does my doctor accept Florida Blue insurance?"
- Value added services: If you are insured by Florida Blue, there are a variety of tools and services to compare medical costs and drug prices, discounts and rewards.
Check out this Florida Blue member discounts video for more details:
*HMO: Health Maintenance Organization
**PPO: Preferred Provider Organization
For more information or to hear from one of our agents, please complete the form below:
To determine what doctors are "in-network" in Gainesville, FL for various Florida Blue health insurance plans, you can visit the Find a Doctor & More section of the Florida Blue website.
As shown above, you have the option to search by plan type using the drop down menu (shown on the left side of the image), which can be found on the Florida Blue website by clicking here.
Please note, your plan type can be found in the upper right corner of your Florida Blue health insurance card, on the front side. (See circled in red on the image above.)
- After selecting your plan type (depending on the type you choose), you will then be directed to select from the following provider types: Primary Care, Health Care Facility, Specialist, Pharmacy, Lab Testing, X-Ray or Support Service.
- After selecting a type of provider, you will be asked additional questions about the type of provider you selected. For example, if you select Health Care Facility you will be asked to choose the type of facility (Hospital, Surgical Center, Urgent Care Center/Walk-In Clinic, etc.)
- Once you have chosen the type of provider and additional details you will be asked to input a location (Zip code, City and State, or Street Address), and you will be able to search within 5-100 miles of the location.
- If you choose, you may then enter the name or number of the provider, business name, as well as preferred language and if the provider is accepting new patients. All of this information is optional, if you choose to simply browse all providers, you may select "Search Now" for an all inclusive list.
If you are unable to find a doctor or provider on the Florida Blue website, we suggest you call the office of the provider/doctor to inquire as to what health insurance providers and plans they accept.
Source: https://mcgriffwilliams.com/tag/florida-blue/
0 Response to "Florida Blue Insurance Card What Is Rax Member Number on Card"
Post a Comment