About Florida Blue: BCBS Florida Coverage in Clearwater
Florida Blue: BCBS Florida operates 3 distinct networks in Clearwater, FL, with a combined in-network roster of 37 doctors across 9 medical specialties. Among the five largest insurers we track in Clearwater, Florida Blue: BCBS Florida ranks #6 by provider count, the leader is Aetna with 2,679 in-network doctors. Use this page to confirm a specific provider is in-network, understand which Florida Blue: BCBS Florida networks have the widest reach in Clearwater, and compare coverage against other major insurers before scheduling care.
Florida Blue: BCBS Florida publishes its Clearwater directory at the network level rather than the consumer-plan level. The labels on each row below (for example NetworkBlue) are network identifiers, not the plan names printed on your member ID card. Your specific plan typically maps to one of these networks, but the mapping isn’t exposed in the federal filing. Match the doctor’s name first, then call the office with your member ID to confirm your plan is accepted.
Florida Blue: BCBS Florida sells consumer plans through two channels in Clearwater: 116 ACA marketplace plans on healthcare.gov and 8 Medicare Advantage plans for seniors. Both are listed below with metal tiers, plan types, and star ratings where applicable.
Data is sourced from the federally-mandated CMS Transparency in Coverage filings that every insurer must publish monthly. Marketplace plans come from the CMS Qualified Health Plan Public Use File. Medicare Advantage plans come from the CMS MA Landscape File. Last refreshed May 29, 2026. Networks change between filings, so even when a doctor appears here we recommend calling their office with your member ID to confirm current network status before your visit.
Florida Blue: BCBS Florida Networks in Clearwater
Florida Blue: BCBS Florida contracts with doctors at the network level in Clearwater. Each network below is a contract; your specific plan (printed on your member ID) maps to one of them. For consumer plan names, see the section below.
NetworkBlue
36
PPC / PPO Network
PPO
36
PPS
35
Florida Blue: BCBS Florida ACA Marketplace Plans Available in Clearwater
116 Florida Blue: BCBS Florida plans sold on healthcare.gov for Clearwater. These are the consumer plan names you’ll see during open enrollment, with metal tier (Bronze/Silver/Gold/Platinum) and plan type (PPO/HMO/EPO/POS).
Bronze plans have lower monthly premiums and higher out-of-pocket costs; Gold and Platinum have higher premiums but lower copays. Your plan choice affects which Florida Blue: BCBS Florida doctors above are in-network. the network labels above map to one or more of these plans.
BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)
Network: 22 Health
BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
Network: 22 Health
BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
Network: 22 Health
BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
Network: 22 Health
BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
Network: 22 Health
BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)
Network: 22 Health
BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
Network: 22 Health
BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
Network: 22 Health
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)
Network: Managed DentalGuard - Individual
BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
Network: Managed DentalGuard - Individual
BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
Network: Managed DentalGuard - Individual
myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
Network: Managed DentalGuard - Individual
myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
Network: Managed DentalGuard - Individual
myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
Network: Managed DentalGuard - Individual
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
Network: Managed DentalGuard - Individual
BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
Network: 22 Health
BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
Network: 22 Health
BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards)
Network: 22 Health
BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
Network: 22 Health
BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards)
Network: 22 Health
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
Network: 22 Health
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
Network: 22 Health
BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)
Network: 22 Health
BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
Network: Managed DentalGuard - Individual
Source: CMS Qualified Health Plan Public Use Files (PY 2026). ACA marketplace plans only. Does not include employer-group or Medicare plans.
Florida Blue: BCBS Florida Medicare Advantage Plans in Clearwater
8 Florida Blue: BCBS Florida Medicare Advantage plans available to seniors in Clearwater. Each plan combines Medicare Parts A, B and usually D (prescription drugs) into one product, with star ratings and monthly premiums shown.
Star ratings (1-5) reflect overall plan quality measured by CMS. a 4-star plan generally indicates above-average member experience and care coordination. Premiums shown are the monthly cost on top of the standard Medicare Part B premium.
Source: CMS Medicare Advantage Landscape File. Star ratings reflect overall plan performance per CMS quality measures. Premiums shown are monthly Part C+D consolidated.
Top Specialties Accepting Florida Blue: BCBS Florida
Florida Blue: BCBS Florida’s Clearwater network spans 9 distinct medical specialties. The mix reflects where the insurer has negotiated the deepest physician contracts. primary-care specialties and behavioral health tend to dominate, with surgical and sub-specialty networks typically narrower.
Click any specialty below to see a filtered list of just those in-network providers in Clearwater, including ratings, locations, years of experience, and contact information. For specialties with fewer than 10 in-network providers, you’ll likely want to check nearby cities too. the section further down on this page has your geographic options.
Physician Experience in Florida Blue: BCBS Florida’s Clearwater Network
Years since medical school graduation is a reasonable proxy for experience, though it doesn’t capture fellowship training, subspecialty certifications, or years spent in specific clinical settings. For Florida Blue: BCBS Florida’s Clearwater network the breakdown below gives a quick sense of whether you’re picking from a predominantly early-career roster or one weighted toward veteran practitioners.
A network heavy on early-career doctors (0–5 years) often means lower wait times for new patients and exposure to the latest training, while veteran providers (30+ years) typically bring deeper pattern recognition for unusual presentations. A balanced distribution. roughly one-quarter in each bucket. is a healthy signal that the insurer has depth at every career stage, not just new graduates filling out its directory.
Telehealth Coverage in Clearwater
8 of 37 Florida Blue: BCBS Florida in-network providers (22%) offer telehealth visits in Clearwater. Video appointments are typically covered for follow-ups, medication refills and adjustments, mental-health sessions, dermatology triage, and low-acuity primary care.
Availability and reimbursement still vary by state regulation and specific plan. Psychiatry, behavioral-health, and primary-care telehealth is near-universal at this point; procedural specialties (cardiology, orthopedics) typically offer video visits for pre-op consults and post-op follow-up but not initial diagnostic visits. Call the office with your Florida Blue: BCBS Florida member ID to confirm your plan covers the visit type you need.
Top specialties offering telehealth in Clearwater
Top Hospitals Serving Florida Blue: BCBS Florida Patients in Clearwater
Hospitals with the most Florida Blue: BCBS Florida-network physicians practicing there. Large affiliation counts indicate that Florida Blue: BCBS Florida has a durable relationship with the facility, which typically means smoother prior-authorizations for admissions, lab work, and follow-up care coordinated under one roof.
Hospital coverage is a separate contract from physician coverage. your Florida Blue: BCBS Florida plan may cover a doctor who admits at Hospital X but classify the hospital itself as out-of-network, leaving you with a surprise facility bill. Before scheduling anything inpatient or procedural, call both the doctor’s office and the hospital billing line with your member ID to confirm both sides are in-network for the specific plan you hold.
Coverage Compared in Clearwater
Side-by-side provider counts for the five largest commercial and government insurers tracked in Clearwater. These numbers show raw network breadth. they don’t adjust for quality, specialty mix, or your specific plan’s tier structure, but they’re a useful first filter when choosing a carrier at open enrollment.
If Florida Blue: BCBS Florida’s provider count looks limited for your needs, the alternatives below may fit better. Click any row to open that insurer’s Clearwater provider list with the same filters, plan breakdown, and hospital affiliations that you’re seeing here.
Nearby Cities with Florida Blue: BCBS Florida Coverage
Cities closest to Clearwater where Florida Blue: BCBS Florida has an in-network provider base of meaningful size. Useful if you’re willing to drive a short distance for a hard-to-find specialist, have two offices to choose between, or are planning a move inside the region.
The mileage figures are straight-line distances computed from average practice-address coordinates, not drive-time. Counts reflect each nearby city’s Florida Blue: BCBS Florida network size. a small count doesn’t mean no coverage, just that your in-Clearwater options are likely more plentiful.
Frequently Asked Questions
Common questions about Florida Blue: BCBS Florida coverage in Clearwater
How do I find an Florida Blue: BCBS Florida in-network doctor in Clearwater, FL?
Florida Blue: BCBS Florida has 37 in-network providers across 9 medical specialties in Clearwater. This list is compiled from federally-mandated CMS Transparency in Coverage filings, last verified May 29, 2026. Filter by specialty, plan type, gender, telehealth or experience above to narrow your search, then click any provider for full credentials and contact details. Always confirm coverage with your specific plan before scheduling.
What Florida Blue: BCBS Florida ACA marketplace plans cover Clearwater?
Florida Blue: BCBS Florida sells 116 consumer plans on healthcare.gov for Clearwater, FL, including BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards), BlueCare Bronze 24K01-05 (Rewards), BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) and 113 others. Available plan types are POS, PPO, EPO, HMO. These plans appear on healthcare.gov during open enrollment (typically November to January) and through special enrollment periods after qualifying life events.
What metal tiers does Florida Blue: BCBS Florida offer in Clearwater?
Florida Blue: BCBS Florida's ACA marketplace presence in Clearwater spans 5 metal tiers: Expanded Bronze (29), Bronze (6), Gold (18), Platinum (15), Silver (48). Metal tiers describe the cost-sharing balance, not provider quality. Bronze plans have the lowest monthly premiums but you pay more per visit. Silver plans are eligible for federal cost-sharing reductions if your income qualifies. Gold and Platinum plans cost more monthly but reduce out-of-pocket costs for specialist visits, hospital stays, and prescriptions.
Does Florida Blue: BCBS Florida sell HSA-eligible plans in Clearwater?
Yes. Florida Blue: BCBS Florida sells 3 HSA-eligible high-deductible plans on healthcare.gov for Clearwater. HSA plans pair a higher deductible with a tax-advantaged Health Savings Account you can use for qualified medical expenses, and contributions roll over year to year. To enroll in an HSA itself you'll separately open the savings account through a bank or HSA custodian.
Does Florida Blue: BCBS Florida offer Medicare Advantage in Clearwater?
Yes. Florida Blue: BCBS Florida offers 8 Medicare Advantage plans in Clearwater for 2026, with plan types including HMO, PPO, HMO-POS. The average CMS star rating across these plans is 3.7 of 5. Medicare Advantage (Part C) bundles Parts A and B with usually Part D prescription drug coverage, often adding dental, vision, and wellness benefits. Enrollment is open during the annual election period each fall.
What's the highest-rated Florida Blue: BCBS Florida Medicare Advantage plan in Clearwater?
BlueMedicare Premier (HMO) (HMO) holds Florida Blue: BCBS Florida's top CMS star rating in Clearwater at 4.0 of 5, with a $0 monthly premium. Star ratings reflect overall plan quality based on member experience, customer service, drug pricing, and clinical care measures. Plans rated 4 or higher generally indicate above-average performance.
Are there $0 premium Florida Blue: BCBS Florida Medicare Advantage plans in Clearwater?
Yes. 4 of Florida Blue: BCBS Florida's 8 Medicare Advantage plans in Clearwater carry a $0 monthly premium for 2026. Note that $0 premium plans still require you to pay the standard Medicare Part B premium each month, plus copays and deductibles when you use care. Compare each plan's MOOP (maximum out-of-pocket) limit to understand worst-case annual cost.
Which hospitals in Clearwater accept Florida Blue: BCBS Florida?
Hospitals where Florida Blue: BCBS Florida doctors most commonly practice in Clearwater include ST JOSEPHS HOSPITAL, MORTON PLANT HOSPITAL, MEASE COUNTRYSIDE HOSPITAL, MORTON PLANT NORTH BAY HOSPITAL. This is inferred from physician affiliations rather than direct insurer-hospital contracts, so confirm hospital network status separately with both your Florida Blue: BCBS Florida plan and the hospital's billing department before scheduling any inpatient or surgical procedure. Even when a doctor is in-network, the hospital where they admit may not be.
Which medical specialties have the most Florida Blue: BCBS Florida providers in Clearwater?
Florida Blue: BCBS Florida's Clearwater network is largest in Mental Health Counselor (13), Clinical Social Worker (8), Family Practice (7). Primary care, behavioral health, and physical therapy tend to dominate insurer networks because high patient volumes drive deeper provider contracts. Surgical sub-specialties typically have narrower networks. Click any specialty in the section above to see a filtered list of those in-network providers.
How does Florida Blue: BCBS Florida compare to other insurers in Clearwater?
Florida Blue: BCBS Florida ranks #6 of 6 major insurers tracked in Clearwater by provider count, with 37 doctors. Aetna leads at 2,679 providers. Larger network size means more provider choice but doesn't guarantee that your specific doctor is in-network with any insurer. The Coverage Compared section above shows side-by-side counts for the top five carriers in Clearwater.
Why don't I see specific Florida Blue: BCBS Florida plan names like Bronze or Silver?
Florida Blue: BCBS Florida files its Clearwater provider directory at the network level rather than by consumer plan name. The labels above (such as NetworkBlue) are the network identifiers Florida Blue: BCBS Florida uses internally. Your specific plan, whether commercial group, Medicare, or Medicaid, maps to one of these networks but the federal filing format doesn't expose which plan goes with which network. To verify your exact plan covers a specific doctor, call the provider with your member ID handy.
How do I verify a doctor is in-network with Florida Blue: BCBS Florida?
Three steps: first match the doctor's name against this list, second call the provider's office with your member ID to confirm they currently accept your specific Florida Blue: BCBS Florida plan, and third check Florida Blue: BCBS Florida's own member portal for the most authoritative real-time status. Networks change between monthly federal filings; our data was last refreshed May 29, 2026.
What if my doctor isn't listed here?
This list reflects Florida Blue: BCBS Florida's submitted network data as of the last federal filing on May 29, 2026. Doctors join and leave networks between filings, so a current in-network provider may be missing if they joined recently. Call the doctor's office to ask whether they currently accept Florida Blue: BCBS Florida, then check Florida Blue: BCBS Florida's own member portal for confirmation.
When was this Florida Blue: BCBS Florida data last updated?
The Florida Blue: BCBS Florida Clearwater provider list was last refreshed May 29, 2026. Doctor and network data come from the federally-mandated CMS Transparency in Coverage filings that every insurer must publish monthly. ACA marketplace plan data comes from the CMS Qualified Health Plan Public Use File for plan year 2026. Medicare Advantage plans come from the CMS MA Landscape File. Refresh cadence: monthly for provider data, annually for marketplace and Medicare plans.
Related healthcare resources
Patient resources for Clearwater Florida Blue: BCBS Florida members.
Common health topics
Common medications
Common procedure costs
Data freshness
Last verified May 29, 2026 · Source: CMS Transparency in Coverage federal filings · Refresh cadence: monthly