The Latest Update
We’re in active contract discussions with Florida Blue. If an agreement isn’t reached, Cleveland Clinic may 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
- Keep your appointments. Don’t delay health screenings, procedures or tests.
- Explore continuity of care. Florida Blue may continue to cover your care at in-network rates for a period of time (called “continuity of care” benefits) if you’re in active treatment for specific health conditions.
- Advocate for your care. You can call Florida Blue and request they prioritize your continued access to Cleveland Clinic locations and providers in Florida. See the number on the back of your insurance card.;
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 may 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’re actively working with Florida Blue to try to reach an agreement that protects your coverage and the care you’ve come to expect from us.
Who is impacted?
Patients with Florida Blue employer-sponsored, Health Insurance Marketplace or Medicare Advantage plans will be notified directly if they’re affected.
Which Cleveland Clinic locations are included?
If we don’t reach a new agreement with Florida Blue, all Cleveland Clinic locations in Florida may be out of network as early as March 1, 2026.
Will my upcoming appointment be impacted?
Appointments or care scheduled on or after March 1, 2026, may be impacted.
You may qualify for continuity of care benefits through Florida Blue. Call the number on your insurance ID card or 954.324.3719 to learn about your options.
Florida Blue will determine which services can continue to be covered at Cleveland Clinic facilities and with its providers. This may require prior authorization before you receive care. Cleveland Clinic’s patient financial advocates can help with prior authorization if needed.
Examples of care that may qualify:
- Pregnancy (second/third trimester or high-risk)
- Newly diagnosed or relapsed cancer
- Trauma
- Transplant care
- Recent major surgery
- Active treatment for heart attack, stroke or unstable chronic conditions
- Behavioral health conditions being actively treated
I've been pre-approved for services at Cleveland Clinic that are scheduled on or after March 1. 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 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.
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.
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.
