HERE ARE THE TOP 3 MOST COMMON BENEFIT ISSUES:

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1 Medical Benefits What You Should Know MEDICALBENEFITS HEALTH INSURANCE TERMS YOU SHOULD KNOW Balance Billing This is practice where a provider charges full fees in excess covered amounts, bills you for portion bill that your medical plan does not pay. In-netw providers do not balance bill for covered services. Nonnetw providers, however, are not under contract, so y can balance bill. Coinsurance A method medical cost-sharing that requires you to pay a stated percentage expenses. If have a 60/40 split, plan pays for 60% your eligible medical expenses, you re responsible for remaining 40%. And this is after you ve paid your deductible. Co-payment A specified dollar amount that you must pay out--pocket for a specified service at time when you receive service. Deductible A specified dollar amount you must pay before plan will make any benefit payments. You are responsible for a deductible each plan year. Out--Pocket Maximums The applicable Calendar Year Deductible, any applicable s Coinsurance amounts added toger under plan. Once you reach Out Pocket Maximum amount listed in Schedule Benefits, you will have no additional Out Pocket responsibility for remainder Calendar Year covered services rendered during remainder that Calendar Year will be paid at 100% allowed amount. On April, 01, Blue Cross Blue Shield Florida changed its name to Florida Blue. It's a friendlier name that reflects personal service commitment to all Floridians that we've practiced for nearly 70 years. It's shorter more memorable, representing a familiar, trusted face, enduring values a uniquely Floridian approach that sts apart from industry in meeting needs consumers today long into future. HERE ARE THE TOP 3 MOST COMMON BENEFIT ISSUES: Outpatient Hospital : When you receive non-surgical services, such as lab w diagnostic testing at an outpatient hospital, services will be subject to a deductible coinsurance under BlueCare HMO Basic plan. Under BlueCare Premium HMO plan you can pay up to $500 copay per visit for se services. To reduce your out pocket expenses, use Quest Diagnostics for lab w an Independent Diagnostic Testing Facility (IDTF) for diagnostic testing. Pre-operative services: Pre-operative services at a hospital are subject to outpatient hospital copay/deductible/coinsurance per visit as well, unless pre-operative services were performed on same day as outpatient surgery. If you have an option to go to Quest Diagnostics for your pre-op lab w, n it will be no copay. In addition, if you use an Independent Diagnostic Testing Facility (IDTF), such as Tower Radiology Center or Rose Radiology for any pre-operative diagnostic testing, i.e., x-rays or EKG s, copay will be considerably less. All you need is a script from your physician. Non-Par Labs: Quest Diagnostics is participating Florida Blue lab. If you have a planned procedure, please advise participating provider to send any lab w analysis or pathology to Quest Diagnostics. Any lab w sent to a non-participating provider WITHOUT prior authorization WILL NOT be covered under your plan. BLUECARE HMO BASIC & PREMIUM BENEFITS What is an HMO? A Health Maintenance Organization (HMO) is an organized system healthcare that assures delivery comprehensive range health services to members who enroll voluntarily pay a fixed, prepaid fee. Members receive services from participating doctors, clinics, hospitals. Choosing a Primary Care To enroll in BlueCare HMO, you choose a Primary Care (PCP) from a list doctors who are in netw. You can find list doctors online at or by calling customer service at Your PCP is your personal physician, who will function as your family doctor, manage your health care. e: you must provide doctor s national provider ID number when you enroll. If you see a doctor who is not in netw, you do not have any benefits Visiting Your Doctor s Office After enrolling, you will receive an ID card. You can n visit your PCP anytime for medical care. You pay a portion real cost (a co-payment) for each fice visit, $35/$30 per visit. Referring Yourself to a Specialist You don t need a referral from your PCP to see a Specialist. As long as doctor is in HMO netw, accepts your plan, you re good to go. Changing Your Primary Care Let s say, after several visits with your PCP, you want to change to a different doctor. 1) Pick a new PCP ) Call PCP to verify participating status accepting new patients 3) Call Florida Blue to change PCP 4ti 8

2 BlueCare HMO Basic & Premium Benefits Medical Benefits Entering Hospital Once your PCP has determined that you need hospital care, he or she notifies insurance company. Your job is to make sure you are entering an in-netw hospital. Outpatient Hospital Outpatient hospital services that are nonsurgical, i.e., diagnostic testing, labs, etc. surgical services are subject to deductible coinsurance on HMO Basic or $500 co-pay on HMO Premium. Dealing with a Medical Emergency In a medical emergency, you don t have to worry about getting to your PCP. Of course, first thing to do is to seek medical attention immediately. Then, contact your PCP Florida Blue within 48 hours. Anyone can call, a family member, friend, doctor, or hospital. But ultimately, it is your responsibility to notify Florida Blue. Receiving Care Away from Home Under BlueCare HMO s, typically only emergency services are covered out state. To meet your healthcare needs when you are traveling, or needs family members who are attending school, or wing out--state, HMO fers separate benefits for both short trips long stays. Check with Florida Blue for more information on our Away from Home Program. HMO Basic Summary Benefits efits for es Office Office Family Specialist Office fice Visit e-office fice Visit $10 e-office fice Visit Advanced Imaging g (AIS) (MRI, MRA, PET, CT, Nuclear Medicine) Maternity Initial Visit Family Specialist Allergy lergy Injections (per visit) $10 Medical Pharmacy y- -Administered Medications (applies to Office fice Setting Specialty Pharmacy Vendors) Monthly Out--Pocket 1 (OOP) Maximum $00 Provider 0% Coinsurance -Administered st Medications These medications require administration tion to be performed by a health h care provider. The medications are ordered by a provider administered i in an fice fice or outpatient t setting. -Administered medications are covered under your medical benefit. Please refer r to -Administered e d medication list in Medication Guide for a list drugs covered under this benefit. Convenient Care Centers Preventive Care Routine Adult & Child Preventive, Wellness, Immunizations Mammograms Call Florida Blue at or visit 5

3 Convenient Care Centers Medical Benefits BlueCare HMO Basic Benefits Preventive Care Routine Adult & Child Preventive, Wellness, Immunizations HMO Basic Mammograms HMO Basic Summary Benefits efits for es Amount Member Pays 6i Colonoscopy (Diagnostic/ Routine for age 50+ n frequency schedule applies. Summary High Risk, no age Benefits criteria) efits for es Office Office Emergency Medical Family Care HMO Urgent Basic Care Centers Specialist Office Visit e-office Visit $10 $70 e-office Visit N Summary Benefits for Emergency Advanced Imaging Room g Facility (AIS) es (MRI, (per MRA, visit) it (copayment PET, CT, Nuclear waived Medicine) if admitted) d) Emergency Medical Care (Continued) 1 Ambulance Medical Pharmacy es (Ground, will be air paid water 100% travel, for combined remainder per day maximum) calendar month once $5,500 OOP max is met. Florida Blue HMO is trade name Health Options, Inc., an HMO subsidiary Blue Cross sded Maternity Initial Visit Blue + 0% Shield Coinsurance Florida, Inc. Both companies are Independent Licensees s (Emergency Blue Cross Blue Shield Only) Association. Family DED + 0% Coinsurance Specialist Outpatient Diagnostic Independent Diagnostic Testing Center es (per visit) Page (e.g. 1 X-rays) R E (Includes Allergy lergy Injections Provider ) (per visit) Diagnostic (except AIS) $50 $10 Advanced Imaging (AIS) (MRI, MRA, PET, CT, Nuclear Medicine) Medical Pharmacy y- -Administered Medications (applies to Office Setting Specialty Pharmacy Vendors) Independent Clinical Monthly i Lab Out--Pocket (e.g. Blood W) (OOP) ) Maximum 1 $00 Provider 0% Coinsurance Outpatient -Administered Hospital st Facility Medications These (per visit) medications (e.g. Bloodrequire W X-rays) administration tion to be performed by a health h care provider. The medications are ordered by a provider administered i in an fice or outpatient t setting. DED + 0% -Administered Coinsurance medications are covered Out- under Netw your medical benefit. Please refer r to -Administered e d medication list in Medication Guide for a list drugs covered under this benefit. Or Convenient Provider Care Centers Provider at Hospital ER DED + 0% Coinsurance ER DED + 0% Coinsurance Preventive Care Hospital Radiology, Routine Adult Pathology & Child Preventive Anessiology, Provider Wellness, at Ambulatory Immunizations Surgical Center (ASC) Specialist $65 N t t d Provider Mammograms at Locations or than Office, Hospital ER Family $35 Specialist $65 Colonoscopy (Diagnostic/ Routine for age 50+ n frequency schedule applies. High Risk, no age criteria) Or Special Combined Outpatient tient Cardiac Rehabilitation Occupational, Physical, Speech Massage sage Therapies Spinal Manipulations (PBP 3 Max) 35 Visits Emergency Outpatient Medical RehabCare Therapy Center Urgent Care Centers $70 Outpatient Hospital Facility (per visit) Emergency Room Facility (per visit) it (copayment waived if admitted) d) Durable Medical Equipment, Prostics Orthotics 1 Medical Pharmacy Motorized will be Wheelchair paid at 100% for remainder calendar month once $500 OOP max is met. Florida Blue HMO is All trade Or name Health Options, Inc., an HMO subsidiary Blue Cross s Blue Shield Florida, Inc. Both companies are Independent Licensees s Blue Cross Blue Shield Association. Home Health Care (PBP Max) 0 Visits Call Florida Blue at or visit Page R E Skilled Nursing Facility (PBP Max) 60 days

4 Family Specialist Or Special BlueCare HMO Basic Benefits Medical Benefits Combined Outpatient tient Cardiac Rehabilitation Occupational, Physical, Speech Massage sage Therapies Spinal Manipulations (PBP 3 Max) Outpatient Rehab Therapy Center Outpatient Hospital Facility (per visit) Summary Benefits for HMO Basic 35 Visits Amount Member Pays Emergency Durable Medical Medical Equipment, Care (Continued) Prostics Orthotics Motorized Wheelchair $500 Ambulance es All (Ground, Or air water travel, combined per day maximum) $5,500 DED + 0% Coinsurance HMO Basic (Emergency Only) Home Health Care (PBP Max) 0 Visits HMO Outpatient Basic Diagnostic Summary Independent Diagnostic Benefits Testing for Center c (per visit) (e.g. X-rays) Skilled (IncludesNursing Provider ) Facility (PBP Max) 60 days Summary Benefits Diagnostic for (except AIS) $50 DED Amount + 0% Member Coinsurance Pays Advanced Imaging (AIS) (MRI, MRA, Or PET, Special CT, Nuclear Medicine) (Continued) DED = Deductible 3 Or Hospice Special (Continued) PBP = Per Benefit Period Independent Hospice Clinical i Lab (e.g. Blood W) ) Page R E Hospital / Surgical Outpatient Hospital Facility (per visit) (e.g. Blood W X-rays) Ambulatory Hospital / Surgical Center Facility (ASC) DED $50 + 0% Coinsurance Ambulatory Surgical Center Facility (ASC) $50 Or Inpatient Provider Hospital Facility Rehabilitation (per admit) (PBP Max) Rehabilitation limit -1 days 3 Provider PBP = Per Benefit Period PAD + n Inpatient Hospital Facility at Hospital Rehabilitation ER (per admit) (PBP Max) Rehabilitation limit -1 days DED PAD + DED 0% Coinsurance + 0% Coinsurance n Outpatient Hospital Facility ER (per visit) (e.g. Blood W X-rays) DED + 0% Coinsurance Therapy Hospital $65 Outpatient Hospital Facility (per visit) (e.g. Blood W X-rays) All l or Radiology, Pathology Therapy Anessiology Provider at an $65 Ambulatory Surgical All l Center or (ASC) Emergency Room Specialist Facility (per visit) (copayment waived if admitted) $65 t (per visit) (copayment $300 Emergency Room Facility waived if admitted) Provider Locations or than Office, Hospital ER Financial Features Family Financial Deductible Features (DED) (PBP) (Per Person / Family Aggregate) gate) Specialist $,000 / $6,000 Deductible (DED) (PBP) (Per Person / Family Aggregate) gate) $,000 / $6,000 (DED is amount member is responsible for before Florida Blue HMO Or Special pays) Combined (DED is Outpatient amount tient Cardiac member Rehabilitation is responsible for before Occupational, Florida Blue Physical, HMO Speech pays) Inpatient Massage sage nt Hospital Therapies Facility Spinal Manipulations Per Admission (PBP i 3 Max) 35 Visits Deductible Outpatient (PAD) Inpatient Rehab Hospital Therapy Center $100 nt Facility Per Admission i Deductible Coinsurance (PAD) $100 0% Coinsurance Outpatient Hospital Facility (per visit) (Coinsurance is rk percentage member pays for services) $65 0% N e (Coinsurance is percentage member pays for services) Durable Medical Equipment, Prostics Orthotics Out--Pocket Maximum Motorized (PBP) Wheelchair (Per Person / Family Aggregate) $500 N All Or $5,500 / $11,000 Out--Pocket Maximum (PBP) (Per Person / Family Aggregate) $5,500 / $11,000 (Out--Pocket Maximum includes DED, Coinsurance s; Home Health Care (PBP Max) 0 Visits Excludes Prescription Drugs) (Out--Pocket Maximum includes DED, Coinsurance s; Total Excludes Lifetime Prescription Maximum Drugs) Benefit Maximum Skilled Total Should Lifetime Nursing it become Maximum Facility necessary, (PBP Benefit a Max) grievance procedure re is available to all Members as 60 No detailed days Maximum in Master Policy. Referrals Should it become to participating necessary, p ating providers a grievance are not procedure required, re however is available authorizations to all Members are as required detailed for in certain Master medical Policy. services like Should DED = Deductible it become necessary, a grievance procedure re is available to all Members as detailed in Master Policy. 3 Referrals PBP = Perto Benefit participating Period pating providers are not required, red, however authorizations are required for certain medical services like Referrals hospitalization, to participating rehabilitation pating providers services, are home not required, care, red, select however DME, authorizations certain fice are required based services for certain such medical as CT services scans, like Page R E MRIs/MRAs, hospitalization, cardiac rehabilitation a c nuclear services, medicine home studies, care, select select DME, injectables, certain etc. Additional fice based information services related such as to CT access scans, to providers MRIs/MRAs, can be found cardiac in a c Provider nuclear Directory. medicine studies, This summary mary select is only injectables, a partial etc. description Additional information many benefits related to access services to providers covered by can Florida be found Blue in HMO, Provider an HMO Directory. subsidiary This summary Blue mary Cross is only a Blue partial Shield description Call Florida, Blue Inc. many This at does benefits not constitute services or visit a contract. covered 7 by For Florida a complete Blue description HMO, an HMO benefits subsidiary exclusions, Blue Cross please Blue see Shield Florida Florida, Blue HMO Inc. This BlueCare does not Benefit constitute Booklet a contract. Schedule Benefits; its terms prevail.

5 Medical Benefits BlueCare Premium HMO Benefits Benefits for Office Office Family Specialist Office Visit e-office Visit Family / Specialist e-office Visit Advanced Imaging (AIS) (MRI, MRA, PET, CT, Nuclear Med.) Maternity Initial Visit Family Specialist Allergy Injections (per visit) Convenient Care Centers $30 $30 / $30/ $30 $0 $30 Preventive Care Routine Adult & Child Preventive, Wellness, Immunizations Mammograms Colonoscopy Emergency Medical Care Urgent Care Centers Emergency Room Facility (per visit) (copayment waived if admitted) Ambulance Outpatient Diagnostic Independent Diagnostic Testing Facility (per visit) (Includes Provider ) Diagnostic (except AIS) (X-rays, Ultrasounds) Advanced Imaging (AIS) (MRI, MRA, PET, CT, Nuclear Med.) $00 $100 8i Call Florida Blue at or visit

6 BlueCare Premium HMO Benefits Medical Benefits Benefits for Independent Clinical Lab (e.g. Blood W) (Quest Diagnostics) Outpatient Hospital Facility (per visit) All (Any Surgical or Non-Surgical, i.e., labs, x-rays) Out- Netw Or Provider Provider at Hospital ER Radiology, Pathology Anessiology Provider at an Ambulatory Surgical Center (ASC) Provider at Locations or than Office, Hospital ER Family Specialist Or Special Combined Outpatient Cardiac Rehabilitation Occupational, Physical, Speech Massage Therapies Spinal Manipulations (PBP 3 Max) Locations or than Hospital s Office Outpatient Hospital Facility (per visit) Durable Medical Equipment, Prostics Orthotics Motorized Wheelchair All Or Home Health Care (PBP Max) Skilled Nursing Facility (PBP Max) Hospice $500 $30 $ days Call Florida Blue at or visit 9

7 Medical Benefits BlueCare Premium HMO Benefits Benefits for Hospital/Surgical Ambulatory Surgical Center Facility (ASC) Inpatient Hospital Facility & Rehabilitation (per admit) (PBP Max) Outpatient Hospital Facility (per visit) Therapy All or (Any Surgical or Non-Surgical Service, i.e., labs, x-rays) Emergency Room Facility (per visit) (copayment waived if admitted) Financial Features Out--Pocket Maximum (PBP) (Per Person / Family Aggregate) (Out--Pocket Maximum includes s for ) Total Lifetime Maximum Benefit $400 $500 per day / $,500 Maximum $500 $00 $3,000 / $9,000 Unlimited 1 DED = Deductible Medical Pharmacy will be paid at 100% for remainder calendar month once OOP max is met. Additional Benefits Features An Array Value-Added Programs * Access to valuable health information resources, including care decision support, our online provider directory at or interactive web-based support tools. Expert advice on call. We encourage you to call our care consultants team at to find out how much y can help you SAVE. Wher comparing cost your medications between local pharmacies or researching quality cost treatment options before you make a decision, we can help you shop for best value for you your family. MyBlueService is your online gateway to everything about your health benefit plan as well as all our self-service tools, now including an enhanced WebMD website especially for our members only. Online access to participating physician fices for e-fice visits, consultations, appointment scheduling or cancellation, prescription refills much more.** BlueCare members receive a Member Health Statement that summarizes your health care activity for preceding month. Should it become necessary, a grievance procedure is available to all Members as detailed in Master Policy. Referrals to participating providers are not required, however authorizations are required for certain medical services like hospitalization, rehabilitation services, home care, select DME, certain fice based services such as CT scans, MRIs/MRAs, cardiac nuclear medicine studies, select injectables, etc. Additional information related to access to providers can be found in Provider Directory. This summary is only a partial description many benefits services covered by Health Options, HMO subsidiary Blue Cross Blue Shield Florida, Inc. This does not constitute a contract. For a complete description benefits exclusions, please see Blue Cross Blue Shield Florida s BlueCare Benefit Booklet Schedule Benefits; its terms prevail. 10 Call Florida Blue at or visit

8 BlueOptions Stard PPO Benefits Medical Benefits BLUEOPTIONS STANDARD PPO PLAN What is a PPO? A Preferred Provider Organization (PPO) gives participants freedom to access services from out--netw providers. ROADBLOCK: A Previous Medical Problem Very Important. The BlueOptions PPO has a pre-existing conditions clause. This means You will have to wait 1 months for plan to cover cost treatment for any previous medical condition that existed less than 6 months prior to your date hire (for new employees or dependents) or prior to your coverage effective date for current employees. Exception: If you have pro prior insurance coverage, you will be given credit towards pre-exclusionary period. If you have 1 months continuous coverage with no lapse 63 days, pre-ex will be waived. You will need to provide a Certificate Credible Coverage Letter from your prior carrier providing begin end dates coverage. Benefits for Benefits for Office Office Family Specialist Office Visit e-office Visit e-office Visit Advanced Imaging (AIS) (MRI, MRA, PET, CT, Nuclear Med.) Maternity Initial Visit Specialist Allergy Injections (per visit) Family Specialist Preventive Care Adult Wellness Benefit Maximum (PBP, includes Routine Adult Physical Exam Immunizations & Well Woman) Routine Adult Physical Exam Immunizations Family Specialist Well Woman Exam (e.g. Annual GYN) Family Specialist $30 DED % Coinsurance $10 $00 $0 $0 No Maximum No Maximum 40% Coinsurance 40% Coinsurance Mammograms ( at 100% Allowed Amount) Call Florida Blue at or visit 11

9 Medical Benefits BlueOptions Stard PPO Benefits Benefits for Colonoscopy ( Routine for age 50+ n frequency schedule applies Well Child (No PBP Max) Family Specialist Emergency Medical Care Urgent Care Centers Emergency Room Facility (per visit) (copayment waived if admitted) Ambulance (Ground, air water travel, combined per day maximum, $5,500) Outpatient Diagnostic Independent Diagnostic Testing Facility (per visit) (e.g. X-rays) (Includes Provider ) Diagnostic (except AIS) Advanced Imaging (AIS) (MRI, MRA, PET, CT, Nuclear Med.) Independent Clinical Lab (e.g. Blood W) Quest Diagnostics Outpatient Hospital Facility (per visit) (*Any surgical or non-surgical services) Out- Netw Or Provider Provider at Hospital ER Radiology, Pathology Anessiology Provider at an Ambulatory Surgical Center (ASC) Provider at Locations or than Office, Hospital ER Family Specialist Or Special Combined Outpatient Cardiac Rehabilitation Occupational, Physical, Speech Massage Therapies / Spinal Manipulations (6 Visit Maximum) Locations or than Hospital Locations or than Hospital Outpatient Hospital Facility (per visit) 40% Coinsurance $100 $ 00 $00 $30 35 Visits Combined Maximum $30 1 Call Florida Blue at or visit

10 BlueOptions Stard PPO Benefits Medical Benefits Benefits for Durable Medical Equipment, Prostics Orthotics Home Health Care (PBP Max) Skilled Nursing Facility (PBP Max) Hospice Hospital/Surgical Ambulatory Surgical Center Facility (ASC) Inpatient Hospital Facility Rehabilitation (per admit) (PBP Max) Outpatient Hospital Facility (per visit) -*Surgical Non-Surgical Therapy All or Emergency Room Facility (per visit) (copayment waived if admitted) Financial Features Deductible (DED) (PBP ) (Per Person / Family Aggregate) (DED is amount member is responsible for before Florida Blue pays) Coinsurance (Coinsurance is percentage member pays for services) Out--Pocket Maximum (PBP) (Per Person / Family Aggregate) (Out--Pocket Maximum includes DED, Coinsurance s; Excludes Prescription Drugs) Total Lifetime Maximum Benefit 0 Visits 60 days $00 Rehabilitation limit - 1 days $100 $100 $50 / $750 $1,000 /$3,000 0% 40% $3,000 / $6,000 $6,000 / $1,000 Unlimited 1 DED = Deductible PBP = Per Benefit Period Call Florida Blue at or visit 13

11 Medical Benefits Blue365 Discount Program BLUE365 DISCOUNT PROGRAM* As part Florida Blue s ongoing commitment to bringing exped choices greater value to your health plan, we are pleased to fer a program discounted products valueadded services called, Blue365 Discount Program. Blue365 Discount Program is available to you automatically as a plan member at no additional premium cost. This program includes se valuable services. Access se services To take advantage any se services, just access Florida Blue website at 1. Login as a registered member.. Click on "Health & Wellness" tab. 3. Select "Discounts & Rewards". 4. Click on "Discount Programs". 5. On Authorization Page, read Agreement n click on "I agree" button. 6. On Blue365 Page, select ferings at bottom page. Click on ">" to scroll through ferings. 7. To Redeem any fer, you will need to register. OR Follow se instructions without logging in: 1. Access Click on Members tab. 3. At bottom page, click on 6th box from left labeled, "Member Discounts". 4. On Authorization Page, read Agreement n click on "I agree" button. 5. On Blue365 Page, select ferings at bottom page. Click on ">" to scroll through ferings. 6. To Redeem any fer, you will need to register. e: These vendors are subject to change without prior notice. Healthy Eating Jenny Craig - A leading provider weight management products services, fering a holistic approach to healthy weight management. Call NutriSystem - A leading provider weight management products services, fering a systematic weight loss program based on portioncontrolled prepared meals. Call Vision Davis Vision - Providing comprehensive vision care programs services for nearly 45 years. Call Lasik Plus - 15% discount on laser vision correction surgery. Call Qualsight Lasik - Contracts with providers laser vision correction services. Call Hearing Beltone - One largest manufacturers hearing instruments, Beltone products are sold in U.S., Canada, over 40 countries worldwide. Call TruHearing - Offers discounted hearing aids. Hearing tests are performed by a pressional using latest diagnostic equipment. Call Eldercare Concierge Seniorlink Care - has a nationwide netw credentialed care managers with pressionals located in all 50 states that provide Eldercare Concierge services. Toll Free Number Available. Fitness Healthways - $5 monthly fee for access to netw 8,000 +gyms nationwide. Low $5 enrollment fee. Call l for more details. Reebok - Creates markets various types sports lifestyle products for men, women children. Call Snap Fitness - Provides a convenient alternative to large format clubs at a lower-tiered price point, with no contracts 4/7 access. Toll Free Number Available. 14i Call Florida Blue at or visit