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blueAt George Koury & Associates 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 your budget––and meets the requirements of the Affordable Care Act.

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

  • figure out if you qualify for a premium tax credit
  • narrow down the type of coverage you need
  • select deductible and copay/coinsurance levels that will benefit you most
  • determine a monthly premium that works with your budget

Florida Blue plans are backed by an impressive record for service, stability and quality customer care that goes back more than 70 years.

Here’s a quick high-level view of the five plan categories available from Florida Blue:

  • Essential (HSA) Plans can be combined with a tax-free Health Savings Account. You’ll 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.
  • Essential Plans generally offer lower monthly premiums. You’ll 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.
  • Everyday Plans have copays for primary care visits and a choice of cost-sharing options for all other health care services and prescription drugs.
  • Predictable Cost Plans come with copays for the most commonly used health care services such as primary care visits and prescription drugs. Set costs help you keep your health care spending under control.
  • All-Copay Plans offer $0 deductible and fixed copays for all covered health care services.


Next, we’ll help you determine which Florida Blue provider network best suits your needs:


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 floridablue.com. 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 bill pay 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:

  • Member Discounts1: 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
  • Know Before You Go: Compare costs and quality of medical services before you go to the doctor with Florida Blue’s online cost estimator. And 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 first.
  • 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 to you. Florida Blue Care Consultants are experts when it comes to connecting you with a dedicated nurse, explaining care and treatment options, and helping you save money along the way.
  • Nurseline2: 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 is also available to help you manage these types of conditions.
  • Health and 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 types, covered members and other options. Print just the reports you need at tax time.



Get covered: Enroll in a Florida Blue plan today!

We can help you find a Florida Blue plan specifically for you and your family. Contact us or just give us a call at <Agency Phone number>

Dental coverage that offers more than savings

BlueDental Choice 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
  • 20% discount on Orthodontic and Cosmetic procedures
  • Access your benefits and claims online 24/7
  • No risk 10-day money-back guarantee

When it comes to protecting your family, invest in Term Life Insurance

Term Life Insurance is the least expensive form of life insurance available. It provides 100% protection in the event of your death with no investment features to drive up the cost. It is called term because it protects your beneficiary(s) during a fixed number of years, typically the years you need life insurance the most.

LifeEssentials Level Term Individual Life is an underwritten product that enables you to select your term period, amount of coverage, and optional riders (available at an additional cost):

  • Available to individuals 18 to 64
  • Choose from initial term periods of 10, 15, 20, 25, or 30 years
  • Choose from coverage amounts of $25,000, $50,000, $75,000 or $100,000
  • Optional Waiver of Premium and Accidental Death riders available for purchase
  • 30-day Free-Look Period in which you may cancel the coverage and all premiums will be refunded

Protect yourself and your savings

If something were to happen to you––such as an accident or if you became critically ill, 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. But sometimes 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 plans from USAble Life:

  • Critical Illness coverage
  • Accident Insurance
  • Hospital Confinement coverage

These affordable plans pay lump sum cash when you qualify for a covered incident.

Contact us for more information and your free rate quote!

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1 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 floridablue.com.
 2As 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 0114