Myblue Silver 2237 Reviews (2024)

FAQs

Is the Florida Blue Medicare Advantage plan good? ›

Star ratings: Florida Blue Medicare Advantage plans score slightly below the industry average star rating from CMS — 3.74 for 2024 plans versus 4.04 for the industry as a whole.

Florida Blue has an average score of 3 out of 5 stars in its most recent report card from the NCQA, an industry group. The star rating measures things like patient experience, treatment, prevention and equity when creating its ratings.

UnitedHealthcare UHC Silver Advantage+ (Unlimited $0 Virtual Urgent Care + $0 Primary Care Visits, $3 T1 Preferred Rx, Dental + Vision) (None) | TX Health Insurance 2024.

This health insurance plan is for individuals and families with an annual gross income between 151% to 200% of the federal poverty level (FPL), who also meet other applicable guidelines. This would be a good plan for a 40-year-old with an income between 150% ($18,090) and 200% ($24,120).

A Silver health plan is a good choice for many people, because it balances premium and out of pocket medical costs. However, if you are young, do not anticipate using insurance often and have significant amounts of cash in savings, you may find that you save money with a Bronze or catastrophic plan.

Silver plans fall about in the middle: You pay moderate monthly premiums and moderate costs when you need care. Important: If you qualify for “cost sharing reductions” (or “extra savings”) you can save a lot of money on deductibles, copayments, and coinsurance when you get care — but only if you pick a Silver plan.

UnitedHealthcare Medicare Advantage plans are rated slightly above the industry average. The provider's 2024 Medicare Advantage plans received an average rating of 4.17 stars out of 5 from the Centers for Medicare & Medicaid Services, weighted by enrollment.

The Silver 73 covers 73% of your out-of-pocket costs, 3% more than the standard Silver Plan. However, if you qualify for a Silver 87 or a Silver 94, you will receive 87% or 94% coverage, which is 17% or 24% more of your out-of-pocket costs than the standard Silver Plan.

Is HMO better than Medicare? ›

Many people choose an HMO plan because it covers everything Original Medicare covers plus additional benefits. HMO plans generally have lower monthly premiums than Medicare Supplement plans and are available with prescription drug coverage, so you can have medical and drug coverage in one plan.

In the long run, it may be more cost-effective to sign up for a Silver 70 Plan. This plan is still competitively-priced and the deductible does not apply to doctor visits, generic prescriptions, x-rays, and labs. So in the long run, you could save money on a Silver 70 Plan. To verify, do the math.

Restrictive networks

In some cases, you'll have a higher share of costs when you see an out-of-network doctor. In other cases, you're not covered at all if you go out of network. This is particularly important if you travel a lot because Medicare Advantage plans generally don't provide out-of-state coverage.

Why would a person choose PPO over an HMO? While PPO plans can be more expensive than HMO plans, they offer out-of-network coverage that HMO plans do not offer. This gives you a choice of more doctors and specialists.

Florida Blue is a not-for- profit, policyholder-owned, tax-paying mutual company. Headquartered in Jacksonville, Fla., it is an independent licensee of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield companies. For more information, visit www.FloridaBlue.com.

Blue Cross Blue Shield won the top spot for the best overall health insurance company in Florida, thanks to its comprehensive choice of plans and satisfied customers.