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Blue Cross and Blue Shield of Florida already has retail insurance stores in Broward County's Pembroke Pines and in Tampa, and intends to expand across the state, including opening a second Broward County location this summer and a Miami site this month. These retail locations offer information on health plan products and wellness services, along with educational forums and personal health assessments. In addition, onsite care consultants assist Blue plan members with researching providers, treatment options and costs.
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In another retail initiative, Blue Cross and Blue Shield of Florida is selling healthcare cards in the pharmacy areas of stores such as CVS and Winn-Dixie supermarkets that provide low-cost, short-term coverage and discounted drugs.
In addition, the Blue plan is targeting Miami-Dade County's uninsured population with a narrow network plan that keeps costs down by offering access to a limited network of physicians and hospitals that in turn have agreed to accept lower reimbursement rates in exchange for an increased number of patients. The plan offers limited prescription drug coverage.
"Blue Cross and Blue Shield of Florida leads the state in enrollment, but is not a top player in the Miami market -- the state's largest market -- so it's not surprising that the plan is taking steps to get a better footprint in the area," said Josh Kelley, analyst with HealthLeaders-InterStudy. "The retail insurance store presence and the availability of health plan cards at retail pharmacy locations and the Miami-Dade narrow network product brings aggressive marketing and considerable visibility that may help them build enrollment in the Miami area."
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-- Financial challenges for Jackson Health System, one of the three safety-net health systems in the Miami-Fort Lauderdale market. -- Area hospital and physician integration, including the installation of electronic medical records. -- Challenges for the physician sector, including the prevalence of managed Medicare plans and poor commercial plan reimbursement. -- Market factors favorable to pharmaceutical sales and potential obstacles.
SOURCE HealthLeaders-InterStudy