Plans for Individuals and Families

We offer health, dental and life insurance plans to provide comprehensive and long-term protection for just you or for you and your whole family. Many of these plans help you manage and predict costs through added pharmacy benefits and tax-planning tools. In addition, MyBlueServiceSM allows you to manage you and your family's health by offering you tools including detailed benefit information, health statements, claims history and health and wellness tools all in one place.

Health Plans for Individuals and Families

Type of Plan Description Available Plans View Plans
Health Plans with Dental Benefits Predictable Cost Plans that combine health and dental insurance into one convenient plan with low, predictable copayments for covered office visits and low calendar year deductibles and coinsurance.
  • BlueOptions
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Hospital Surgical Plus With our Hospital Surgical Plus plans, you don't have to sacrifice coverage for cost savings. These plans make it simple for you to go to the doctor for routine visits, get prescription medications, lab tests, dental check-ups and more. Plus you'll have the security of coverage for major events like hospital and surgical costs. The plan provides the coverage you need with lower premiums than a conventional plan.
  • BlueOptions
  • BlueSelect
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HSA-Compatible Looking for a less taxing route? Try one of our high-deductible health plans that are compatible with tax-deductible Health Savings Accounts (HSA). BlueOptions HSA-Compatible plans allow you to use tax-free contributions to help cover out-of-pocket health care expenses, including qualified deductibles, and coinsurance. These plans offer lower premiums because of the higher deductibles that are covered by HSA contributions.
  • BlueOptions
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Low Cost These lower-priced plans are great if you appreciate the value of medical coverage, but don't want to pay for benefits you might not use. They help to provide peace-of-mind with coverage that's there when it's needed most. Miami-Dade Blue and BlueSelect offer quality, affordable health care coverage to individuals who work or live in select counties. From routine doctor's visits, to covered lab tests (free when using in-network providers) and hospital stays, you'll have coverage for your family's everyday needs - even unexpected events. Click here to view BlueSelect Counties.
  • BlueSelect
  • Miami-Dade
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Predictable Cost Whether you need a routine check-ups, to see a specialist, or visit an urgent care facility, predictable cost plans can help you stretch your budget. You choose from a variety of deductibles and out-of-pocket maximums and enjoy low, predictable copayments and coinsurance for covered services with no surprises.
  • BlueOptions
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Temporary If you're between jobs or just starting out, BlueOptions Temporary Insurance offers comprehensive medical benefits without medical underwriting. Choose coverage for 30, 60, 90, or 180 days, which is also considered Creditable Coverage when you're ready for long-term health coverage with Blue Cross and Blue Shield of Florida.
  • BlueOptions
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Value Plan If you want simple and affordable health and dental coverage without the hassle of providing a medical history or medical tests, try one of our Value Plans with No Health Questions Asked. Plans are easy to apply for and you are guaranteed acceptance, which means you can't be denied coverage. Value plans provide discounts on health care and dental services, and routine care coverage that won't break the bank.
  • GoBlue
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Other Health Coverage


Dental protection is one of the most valued types of coverage we offer. If you are an individual or family, we have a dental plan for you. Now that's something to smile about!

BlueDental CareSM Plan for Individuals and Families*

BlueDental Care is an individual prepaid limited health plan that emphasizes preventive care and offers you low copayments for in network services only.

Learn more about our BlueDental Care Plan

BlueDental ChoiceSM Copayment Plan for Individuals and Families*

If the ease of predicting reimbursement costs is important for you, consider the BlueDental Choice Copayment Insurance Policy that offers its members the ability to predict copayment costs when visiting dentists and specialists in our network.

Learn more about our BlueDental Choice Copayment Plan

BlueDental ChoiceSM Plus Plan for Individuals and Families*

Our BlueDental Choice Plus Insurance Policy allows you to access a comprehensive network* of dentists with all the benefits of a PPO plan and even has coverage outside the network, although at a higher cost.

Learn more about our BlueDental Choice Plus Plan

*Networks are comprised of independent contracted dentists.

BlueDentalSM Plans are offered through Florida Combined Life Insurance Company, Inc. (FCL), an affiliate of Blue Cross and Blue Shield of Florida, Inc. (BCBSF). BCBSF and FCL are Independent Licensees of the Blue Cross and Blue Shield Association.

Limitations and Exclusions may apply.


Life Coverage

Having life insurance is important because it allows you to provide your loved ones with a secure future in the event something unexpected should happen to you such as an accident or, even worse, if you should die.

Term life insurance is the most affordable form of life insurance available. When you consider that nearly half of all life insurance covering American families against the loss of a breadwinner is in the form of term life insurance, it's easy to see how this coverage can be incredibly valuable for you. With a LifeEssentialsSM Term Life Insurance Policy, offered through our affiliate, Florida Combined Life, you can provide financial security for your loved ones in the event of death. If you don't have life insurance or want to supplement your existing life insurance coverage, LifeEssentials can give you added security with a cost that is much lower than most permanent insurance policies.

Learn more about our LifeEssentials Term Life Insurance Policy

Exclusions and Limitations may apply.

LifeEssentials is offered through Florida Combined Life Insurance Company, Inc. (FCL), an affiliate of Blue Cross and Blue Shield of Florida, Inc. (BCBSF). BCBSF and FCL are Independent Licensees of the Blue Cross and Blue Shield Association.


Pharmacy Coverage

Blue Cross and Blue Shield of Florida pharmacy programs help you control rising prescription drug costs for your family through our extensive networks of participating pharmacies. Most of our health plans have pharmacy programs associated with them.

Learn more about our Pharmacy programs

Blue Cross and Blue Shield of Florida offers a variety of health plans to meet your needs, including affordable options like our Value, GoBlue, Low Cost and Hospital Surgical Plus plans.  We also offer dental, life and pharmacy coverage.

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