The Latest Update
We’re in active contract discussions with Florida Blue. If an agreement isn’t reached, Cleveland Clinic will no longer be in-network for Florida Blue members as early as March 1, 2026.
Plans impacted:
- Florida Blue employer-sponsored
- Florida Blue Health Insurance Marketplace
- Florida Blue Medicare Advantage
We’re working hard to reach a new agreement because our goal is simple: to come to a resolution with Florida Blue in order to avoid any changes that would disrupt your coverage.
We remain committed to delivering the highest-quality care at an affordable cost — and we hope that Florida Blue joins us in that commitment.
What You Can Do Today
- Explore continuity of care. You may qualify for continuity of care coverage through Florida Blue, which may allow you to continue receiving certain services at Cleveland Clinic for a period of time. To learn about your options, please call the number on your insurance ID card or speak to your benefits manager if your insurance is through your employer.
- Review your coverage options (Medicare Advantage members only). Medicare Advantage members may review coverage options during the current Medicare Advantage Open Enrollment Period, which runs through March 31, 2026. A complete list of in-network insurance plans accepted at Cleveland Clinic is available at ChooseClevelandClinic.org.
- Advocate for your care. You can call Florida Blue and request that they prioritize your continued access to Cleveland Clinic locations and providers in Florida. See the number on the back of your insurance ID card. If your insurance is through your employer, you can speak to your benefits manager to learn about your options.
Frequently Asked Questions
What is happening between Cleveland Clinic and Florida Blue?
We’re negotiating a new contract. If an agreement isn’t reached, Cleveland Clinic will no longer be in-network for Florida Blue members as early as March 1, 2026.
What is Cleveland Clinic doing to reach an agreement?
We’re committed to you and your care. We have engaged in good-faith discussions with Florida Blue for an extended period and our efforts to work toward a solution are ongoing. Our goal is to remain in-network while protecting patient access to high-quality, coordinated care and reaching a responsible long-term agreement.
Who is impacted?
Patients with Florida Blue (Blue Cross and Blue Shield of Florida, Inc.) employer-sponsored, Health Insurance Marketplace, Medicare Advantage and Federal Employee plans are impacted. Patients with out-of-state Blue Cross and Blue Shield plans may also be impacted when seeking care from Cleveland Clinic locations and providers in Florida. This does not impact patients who have Florida Blue as secondary coverage.
Which Cleveland Clinic locations are included?
If we don’t reach a new agreement with Florida Blue, all Cleveland Clinic locations in Florida will be out of network as early as March 1, 2026.
Will my upcoming appointment be impacted?
Yes, your upcoming appointment will be impacted. If you have an appointment scheduled for after March 1, 2026, a Cleveland Clinic representative may contact you to discuss scheduling options, including whether your appointment can be moved to an earlier date.
You may qualify for continuity of care coverage through Florida Blue, which may allow you to continue receiving certain services at Cleveland Clinic for a period of time.
Florida Blue determines which services may continue to be covered at Cleveland Clinic facilities and with its providers. In some cases, you may need prior authorization before you get care. Cleveland Clinic’s patient financial advocates can help you with the prior authorization process if needed.
Examples of care that may qualify for continuity of care coverage include:
- Prenatal and postpartum care
- Newly diagnosed or relapsed cancer
- Trauma
- Transplant care
- Recent major surgery
- Active treatment for heart attack, stroke or unstable chronic conditions
- Behavioral health conditions that are actively being treated
To learn about your options, please call the number on your insurance ID card or speak to your benefits manager if your insurance is through your employer.
I've been pre-approved for services at Cleveland Clinic that are scheduled on or after March 1, 2026. What should I do?
If you’re pre-approved for care taking place on or after March 1, 2026, call Florida Blue at the number on the back of your insurance ID card. They can discuss your options for continued care and determine if the services are still covered.
What if I am admitted to Cleveland Clinic before the Florida Blue contract ends, but my hospital stay continues past that date?
Cleveland Clinic will work directly with Florida Blue to review your benefits and let you know what coverage is available for the rest of your stay.
Why does Cleveland Clinic mention March 1, 2026, while Florida Blue says coverage continues through May 2026?
To help patients make informed healthcare decisions during this time, we are notifying them that, as early as March 1, 2026, their care will be impacted if a new agreement is not reached.
Negotiations are ongoing, and we will continue to update this page with the latest information.
Will emergency care be affected?
No, emergency care won’t be affected by these negotiations.
Are Medicare Supplemental plans included in this change?
Medicare Supplemental plans aren’t included in these negotiations.
How can I stay up to date on the negotiations?
We’ll post the latest updates on the website as new information is available. If you have questions in the meantime, you can call 954.324.3719 to speak with our patient call center.
What are my other insurance options?
Cleveland Clinic accepts a variety of plans from insurance companies at all our locations. For a list of all accepted insurance, please visit ChooseClevelandClinic.org.
Last updated 1/26/2026
Helpful Definitions
- Out-of-network coverage: Care received from providers or facilities not contracted with your insurance plan.
- Continuity of care: Temporary in-network coverage for certain ongoing treatments, even if a provider is out of network.
- Copay: The fixed amount you pay toward the cost of covered medical services.
- Insurance network: The group of providers and facilities contracted with your plan.
- Insurance plan: The coverage you buy (or receive through an employer or government program) that helps pay for your healthcare costs. An insurance plan may pay providers directly or reimburse you for covered services.
- Out-of-pocket cost: The amount you pay directly for your care, which isn’t reimbursed by insurance.
- Open enrollment: The yearly period when you can sign up for or change health insurance plans.
