NHIA, Inc. - National Health Insurance Agencies, Inc.
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At NHIA Inc., we offer various types of “People Insurance”. We offer BCBSFL, as well as other major carriers. Our products include the following:

 

Click here to use the Florida Blue Subsidy Estimator.

  • Health Insurance
  • Group Health Insurance Plans
  • Dental Insurance
  • Disability Policies
  • Life Insurance
  • Short Term Health Insurance
  • Long Term Care Insurance
  • Limited Benefit Plans

Group Health Benefit Plans

Florida Blue has a wide range of affordable group health benefit solutions for small businesses. You can depend on Florida Blue for all of your health coverage needs.

  • BlueOptions plans meet the diverse needs of your workforce with a variety of benefit and affordable premium options, including Health Savings Account (HSA)-compatible plans.
  • BlueCare plans offer your employees affordable health care choices with predictable copayments for most medical services, so they’ll know their costs up- front.
  • BlueSelect plans offer a range of coverage options featuring lower premiums and a community-focused network designed for added cost savings.

Individual and Family Health Plans

With Florida Blue, individual health care policies have never been so affordable. We have a range of options to fit your needs, from comprehensive coverage policies to limited-benefit plans.

Affordable Coverage Options

  • BlueOptions plans include comprehensive health care solutions such as predictable cost plans, hospital/surgical plans, HSA-compatible and temporary insurance plans. Some plans even include dental benefits.
  • BlueCare plans often offer affordable health care choices with predictable copayments for most medical services, so you’ll know your costs up-front.  Some plans are even compatible with a Health Savings Account (HSA) and may provide tax savings for you.
  • BlueSelect plans offer lower premiums than those of similar plans, with a community-focused network to maximize your health care dollars.

Plans Available with No Medical Questions Asked

  • GoBlue limited-benefit health plans pay a set amount for routine health care services like office visits, labs tests, dental services and prescription drugs.
  • FamilyBlue membership provides access to discounts on health care services for the entire family, without network restrictions.

Over 65 and Medicare-Eligible Plans

If you’re approaching age 65, are older than age 65 or are under age 65 and Medicare-eligible, Florida Blue has a wide variety of plans to supplement or replace your Medicare coverage. Plus, Florida Blue has a “same age forever” benefit that ensures your premium will never go up because of your age. (Please note, not all plans are available in every county.)

 

Medicare Supplement Insurance Plans

  • BlueMedicare Supplement A, B, C, D, F, G – These plans offer the freedom to choose any doctor or hospital nationwide.
  • BlueMedicare Supplement K, L, M, N – These plans offer a lower premium, but include higher member cost-sharing than our other Medicare Supplement insurance policies. You still have the freedom to choose any doctor or hospital nationwide.
  • BlueMedicare Supplement Select B, C, D, M – All the benefits of a traditional Medicare Supplement insurance plan with your own choice of doctors—you are required only to use network hospitals.

Medicare Advantage Plans

  • BlueMedicare HMO (offered by Florida Blue HMO) – Features complete Medicare coverage including prescription drug benefits at a $0 monthly plan premium*. Dental, vision and hearing benefits included at no extra cost.
  • BlueMedicare Regional PPO – Offers flexibility to choose providers in- and out-of-network at a $0 monthly plan premium.* Prescription drug coverage is included. Dental, vision, hearing and fitness benefits included at no extra cost.
  • BlueMedicare PPO – Features prescription drug coverage, plus the freedom to choose any provider, in-network or out-of-network.
  • BlueMedicare Rx (PDP) – Offers affordable Medicare Part D prescription drug coverage with no deductibles and convenient mail order options.

Other Products and Services

Florida Blue offers more than affordable health coverage – plans also include support for your overall well-being. With all of the health, dental, life, and supplementary plans to choose from, you’ll find coverage that’s right for you plus get the personal support you deserve.

 

  • Stroke
  • End stage renal disease
  • Major organ transplant surgery
  • Quadriplegia
  • Coronary artery bypass surgery
  • Balloon angioplasty
  • Stent or laser relief obstruction procedures
  • Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease)
Benefits are paid directly to you regardless of other insurance coverage.

Hospital Plans

If you need assistance with deductible and copayment expenses, Hospital Plans provide you and your eligible family members an individual hospital confinement plan, which pays supplemental benefits to you for inpatient hospitalization expenses. Ask about our health insurance services today.

 

 

Disclaimers:

Some policies may have exclusions and limitations. For costs and complete details of coverage, call or write the insurance agent.  The amount of benefits and premium will vary depending upon the plan selected.

Medicare Advantage HMO Plans/Medicare Advantage PPO
You may be able to get Extra Help to pay for your prescription drug premiums and costs.  To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227).  TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday.  TTY users should call, 1-800-325-0778; or Your Medicaid Office (only required for pieces referencing Part D benefits or cost sharing).

Medicare Advantage Part D
A Medicare-approved Part D sponsor.  Individuals must have both Part A and Part B to enroll.  You must continue to pay your Medicare Part B premium.  Members may enroll in the plan only during specific times of the year.  Contact Blue Cross and Blue Shield of Florida for more information.  The benefit information provided herein is a brief summary, not a comprehensive description of benefits.  For more information, contact the plan.
Beneficiaries must use network pharmacies to access their prescription drug benefit, except in non-routine circumstances, and quantity limitations and restrictions may apply
You may be able to get Extra Help to pay for your prescription drug premiums and costs.  To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227).  TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday.  TTY users should call, 1-800-325-0778; or Your Medicaid Office (only required for pieces referencing Part D benefits or cost sharing).

Medicare Advantage Plans:
A Medicare Advantage organization with a Medicare contract; a Medicare-approved Part D sponsor.  Individuals must have both Part A and Part B to enroll.  You must continue to pay your Medicare Part B premium.  Members may enroll in the plan only during specific times of the year.  Contact Blue Cross and Blue Shield of Florida for more information.  The benefit information provided herein is a brief summary, not a comprehensive description of benefits.  For more information, contact the plan.
For BlueMedicare HMO, you must use BlueMedicare HMO plan providers except in emergency or urgent care situations or for out-of-area renal dialysis or other services.  If you obtain routine care from out-of-network providers neither Medicare nor BlueMedicare HMO will be responsible for the costs.  For BlueMedicare PPO and BlueMedicare RPPO, it may cost more to get care from out-of-network providers, except in an emergency or urgent care situation.. Beneficiaries must use network pharmacies to access their prescription drug benefit, except in non-routine circumstances, and quantity limitations and restrictions may apply
Benefits, formulary, pharmacy network, premium and/or co-payments/coinsurance may change on January 1, 2014.
Limitations, copayments, and restrictions may apply.
Enrollment materials are available in different formats upon request, including Spanish, large print, audio tapes, CDs and Braille.  Please call Member Services at 1-800-926-6565, 8:00 a.m. – 9:00 p.m. ET, seven days a week, TTY users call 1-800-955-8771, if you need enrollment materials and other plan information in another format or language.

Medicare Supplement Plans-Select
Select M – you must pay 50% of the Part A deductible
Select B, C, D and M – Networks are comprised of independent contracting healthcare providers.

Medicare Supplement- Plans K, L, M, N
Plans K and L – you must meet the annual out of pocket limit
Plan M – you must pay 50% of the Part A deductible
Plan N – $20 copay for office visits and $50 copay for emergency room visits

Medicare Supplement Multiple Plans
The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected if various plan options are shown.

Medicare Supplement Plans
Our Medicare Supplement insurance policies are not connected with or endorsed by the US Government or the Federal Medicare Program. These policies have limitations and exclusions. Medical Underwriting will apply to all BlueMedicare Supplement and BlueMedicare Supplement Select products unless the applicant is eligible for guaranteed issue.
Policy Numbers 30147-0111 SU / 30148-0111 SU / 30149-0111 SU / 30150-0111 SU / 30151-0111 SU / 30152-0111 SU / 30154-0111 SU / 30155-0111 SU / 30156-0111 SU / 30157-0111 SU / 30166-0111 SU / 30167-0111 SU / 30168-0111 SU / 30159-0111 SU
While medical cost increases and inflation could increase our premiums, your premium will always remain the lowest we offer, according to your age at enrollment.

Workers Comp Plans
Workers Comp is offered by Comp Options, Inc. d/b/a OptaComp, a subsidiary of BCBSF.

Life Specific Plans
LifeEssentialsSM 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. Exclusions and Limitations may apply.

BlueDental Choice Specific Plans
Members will receive a 20% discount on Orthodontic and Cosmetic procedures at no additional premium as long as they visit an Orthodontic or Cosmetic dentist who participates in our network.  *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.

Dental/Life/Disability Plans
”Dental, Life and Disability insurance are offered by Florida Combined Life Insurance Company, Inc., an affiliate of BCBSF.
BCBSF and FCL are Independent Licensees of the Blue Cross and Blue Shield Association.

FamilyBlue Plans
FamilyBlue is NOT health insurance.  It is a medical discount plan providing services from certain health care providers.  The plan does not make payment directly to the providers.  The plan member is obligated to pay for all health care services, but will receive a discount from the health care providers who have contracted with the discount medical plan organization. The plan is administered by Coverdell & Company, Inc., a discount medical plan organization located at 8420 W Bryn Mawr, Suite 700, Chicago, IL 60631, 1-800-918-7600.

GoBlue Plans
GoBlue is a limited benefit plan that has limitations and exclusions. NetworkBlue is one of our Preferred Provider Networks made up of independent hospitals, physicians and ancillary providers.

U65 HMO
The HMO plan is offered by Health Options, Inc. Health Options and its Parent, BlueCross and Blue Shield of Florida, Inc., are Independent Licensees of the Blue Cross and Blue Shield Association.

U65 Health Specific Pages
These policies have limitations and exclusions.  Some plans are medically underwritten.

U65 Health Multiple Plans Offered
The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected.

U65 Health/Life/Dental Plans

Health is offered by Blue Cross and Blue Shield of Florida, Inc. (BCBSF).
Life and Dental plans are offered by Florida Combined Life Insurance Company, Inc., an affiliate of BCBSF.
Premium is based on age, gender, county, tobacco usage, etc.
GoBlue is a limited benefit plan that has limitations and exclusions. NetworkBlue is one of our Preferred Provider Networks made up of independent hospitals, physicians and ancillary providers.