Florida Blue Reviews

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About Florida Blue

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Florida Blue delivers health insurance coverage and related services, including individual and family health plans, Medicare options and employer health benefits. Florida Blue aims to improve access to quality medical care for Florida residents.

Pros
  • Affordable premiums for coverage
  • Wide acceptance of providers
  • Comprehensive coverage options
Cons
  • Frequent billing errors reported
  • Long wait times for customer support
  • Limited coverage for specialists

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Florida Blue Reviews

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    How do I know I can trust these reviews about Florida Blue?
    • 4,677,710 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Contract & TermsCoverageStaff

    Reviewed May 27, 2025

    Florida Blue should be ashamed. We pay around $1,000 a month just for my wife’s coverage, and yet when she urgently needed care for a dislocated shoulder, we were blocked by red tape — not because we were out-of-network, but because of Florida Blue’s own referral policy. What makes this even more outrageous? The provider already had a referral on file for the same issue, and we had an active case open. Still, the clinic was told they could not proceed — not even if we paid out of pocket. Florida Blue’s contract with the clinic forbids them from accepting self-pay from insured patients, even when it’s clearly in the patient’s best interest. So instead of care, we got a dead end — while my wife was in pain and medically deteriorating.

    This isn’t about protecting patients. It’s about bureaucratic compliance that serves no one but the insurer. Even ER staff quietly warned us to avoid Florida Blue-affiliated orthopedic care — they’ve seen this play out before. It honestly makes you question the system: is the goal to help people or to create just enough friction that they give up? Or worse, delay long enough that things resolve or get pushed off — just to save the insurer money? We’ll be switching from Florida Blue at the earliest possible opportunity and sharing this experience widely. If you're considering Florida Blue, ask yourself: are you comfortable paying a fortune and still getting blocked from medically necessary care, even when all the paperwork is already in place?

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    Customer ServiceCoverage

    Reviewed May 25, 2025

    Do not- do not do NOT get this insurance. We thought this would be better - having State insurance- and it is awful! They cover next to NOTHING on medication- the deductible is so high- they nickel and dime you to death and aren’t willing to pay for anything. They have the worst customer service and aren’t helpful in any form in understanding our bill or why they keep rejecting medicines. As SOON as we are able to switch - we are - do NOT use this insurance!!!!

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      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed May 13, 2025

      I decided to be self employed and purchased Florida Blue. In 2 years I had one ER visit as my son had abdominal pain. We ended up owing $5000 for that visit! One time I went to free clinic with UTI and was refused to be treated by a “doctor”. He was not wearing a badge so I didn’t even know who he was. Beyond useless! I had to call corporate quarters to get antibiotics as he refused to give me a script.

      So when I filed taxes I ended up owing $8000 for this insurance so basically this insurance not only didn’t cover anything and was total disservice to our family it’s a rip off! Totally disgusting experience. On top of it I called to cancel it and they didn’t follow through so 2 months later I got a bill! I will be filing a complaint with my state representative and governor’s office. This is beyond disgrace for hard working Americans to be treated as such!

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      Customer ServiceCoverage

      Reviewed May 6, 2025

      Florida Blue is the worse coverage ever!!! They will NOT APPROVE MEDICINE. Everyone who answers the phone has a language barrier. They are CRIMINAL IN WHAT THEY DO!!!! STAY AWAY! NO COVERAGE IS BETTER THAN PAYING THEM!!!

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      Customer Service

      Reviewed May 2, 2025

      What a collective group of jerks. Every month my payment is sent electronically. They take up to 2-3 weeks to post an electronic payment, which is nuts for electronic payments. Other payees post in 1-2 days, after two weeks, I start to worry. I send a message, with proof of payment attached from my financial institution and they close the message telling me to call my financial institution. They are unresponsive, lazy, uncaring jerks. I cannot put it any other way. They simply suck.

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      Customer ServiceStaff

      Reviewed April 23, 2025

      The customer service is TERRIBLE! I work for a company that has Florida Blue as our insurance provider. Every time I reach out with inquiries, it takes a long time to get a response. When I do receive an answer, it often seems like they don't understand my questions or provide very unhelpful responses. They believe they only need to communicate directly with the company's Directors, not realizing there are Executive Assistants to support those leaders.

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      Reviewed April 16, 2025

      If I could give zero stars, I would. Horrible experience with Florida Blue, I pay out of pocket and have an HMO and getting referrals has been a nightmare because of guideline changes and different specialists and clinics not being up to date. I pay a high premium, and the quality in return is subpar. I will never use this Insurance plan again.

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      CoveragePriceStaff

      Reviewed April 14, 2025

      I got a very expensive health insurance policy from Florida Blue insurance through agent, Jacklyn **, Blue Direct Sales and am extremely unhappy! My primary residence is in Florida, but I also live in Georgia as well, so I needed a plan that covers both states. I was told by this agent that I will have insurance in both places….Well, physicians and services in Georgia are out of network! I was misled and this was a play on words on her part. I am paying $1,200 a month for insurance that I can’t use because I can’t afford to go out of network and pay huge $$$. Something is SO wrong with the insurance industry. This is criminal and to make matters worse, I finally got in contact with this agent and she tried to upsell me. I am at my wits end with health insurance and something needs to be done!!!

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      CoveragePrice

      Reviewed April 3, 2025

      I have a PPo plan that is essentially "good' insurance. My employer pays for the basic and I pay over 400 month for myself. Insurance covers NOTHING. And then they - The insurance company bills you for services - You know they are pocketing money. I.e. I broke my arm and shoulder and needed a bone growth stimulator. BCBS says, "Your portion is 2,500. Pay us." Said can't afford it. Went directly to seller. Said cannot afford it. Ok here it is for 500.00. ANd that would NOT have gone toward my deductible. Went for CAT scan. My co-pay was over 300. The scan cash price would have been under 200. If you do that, whatever scan finds insurance won't cover. Had same situation on smaller scale today. Legal CROOKS. Goverment lets them do it. How many in Goverment, one example (Senator **) are known insurance crooks and billing abusers.

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      Customer ServiceCoverageStaff

      Reviewed April 1, 2025

      Absolutely terrible service on two separate occasions. I was sick once and went to a quick clinic for a checkup. When I walked in they told me they hoped I wasn't using BCBS. I was, and they explained that BCBS' systems were down and not accepting claims, but that I could file a request for coverage via physical mail. I paid the full fee that day and filed my letter. It was ignored and I never heard back or received any coverage. On the second occasion, I searched BCBS' database for a specialist in hand pain, which I had developed. When I arrived at the doctor my insurance was accepted and I saw the doctor for a five-minute conversation. She gave me splits for both wrists and scheduled me for an MRI. The same day BCBS denied my MRI.

      When I called them to ask why, their staff told me to call the doctor. The doctor's staff told me to call my insurance. The next insurance rep told me they'd call the doctor, then told me they couldn't reach the doctor after leaving me on hold for an hour. I called the doctor and explained the situation, and then called BCBS again, who just told me to wait. I did, and several days later received a phone call from a robot telling me my MRI was denied, stating I needed to be in occupational therapy for at least 3 months before they'd cover an MRI. Today I found that I'm being billed 313$ for the five-minute conversation and the splints, as BCBS is covering none of that visit. I'm honestly considering going without healthcare after these experiences, or at the very least ditching this plan entirely. I feel ill giving these crooks any more money.

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      Florida Blue Company Information

      Company Name:
      Florida Blue
      Website:
      www.floridablue.com