Designed With Flexibility in Mind, Offering Three Tiers of Benefit Coverage
The Advantage plan offers three network tier options. Tier 1 benefits are services you receive from the GatorCare Network, which includes hospitals, physicians and providers in Gainesville, Jacksonville and Central Florida. Tier 1 benefits offer the best value, with lower deductibles and out-of-pocket costs. Tier 2 benefits apply when you receive services from the Florida Blue BlueOptions network, which typically result in higher out-of-pocket costs. When using Tiers 1 and 2 for wellness and preventive care, annual physicals and labs are offered with no out-of-pocket expense to you. Tier 3 benefits apply when you receive services from an out-of-network provider; you still have coverage, but may be billed for the difference between the provider’s charge and the allowed amount.
2026 Benefit Resources
Review the 2026 Summary of Health Plan Benefits Document!
Here we have answers to questions like: How much do I pay per visit? What's my deductible? How much is covered at the pharmacy?
2026 Summary of Benefits & Coverage (MEDICAL)
The SBC shows how you and the plan would share the costs for covered health care services.
2026 Summary of Benefits & Coverage (PHARMACY)
The SBC shows how you and the plan would share the costs for covered pharmacy services.
Coming soon!
2026 Advantage Benefit Booklet
This booklet describes your coverage, benefits, limitations and exclusions for the self-funded Group Health Benefit Advantage Plan established and maintained by GatorCare.
Coming soon!
2026 Schedule of Benefits (CYD’s & OOP’s)
This Schedule of Benefits is part of your Benefit Booklet, where more detailed information about your benefits can be found.
2025 General Wellness Guidelines
Not sure what exams and screenings to do to keep yourself well? Check out the General Wellness Guidelines below for an in-depth look at the recommended doctor visits you should do this year!
Additional Benefit Resources
Finding Providers
Provider Directory Tool
Florida Blue’s new member portal has an updated provider directory that lets you search for providers in your area. Follow the guide below to sign in and find providers near you!
New Providers in St. Johns County
UF Health St. Johns Providers
Services at UF Health St. Johns are now covered at the lowest (tier 1) cost. Members in the St. Augustine area are encouraged to choose providers at this location to maximize their benefits. Find a list of all UF Health locations and providers in the St. Johns County area here!
Egg Retrieval
Elective Egg Retrieval
Egg retrieval services offered by Tier 1 UF Health Reproductive Medicine physicians at Springhill Reproductive Endocrinology Institute are now covered by GatorCare.
Urgent Care Centers
Tier 1 Urgent Care Centers in Florida
Tier 1 Urgent Care Centers are being updated to accurately reflect current locations and rates.
Free Diabetes Test Strips
Tier 0 Contour® & Contour® Next Test Strips
All members are eligible to receive free Contour® and Contour® Next test strips at a Tier 0 level of coverage.
Copay Assistance
Value Max Copay Assistance Program
The Value Max Copay Assistance Program helps members pay for costly specialty and diabetic medications by connecting them with medication manufacturers. For more information about this copay assistance program, please review this document.
Medical INformation Disclosure
Notice of Privacy Practices
This notice describes how medical information about you may be used and disclosed and how you can get access to this information.
Infertility Benefits
Benefit descriptions
GatorCare Infertility Benefits
Below is a document that details eligibility, diagnoses, treatment, and coverage for Advantage members.
Coming soon!
Infertility Benefits FAQ’s
Below is a list of frequently asked questions for infertility benefits and coverage for Advantage members.
Providers
UF Health Reproductive Medicine Providers
Below is a list of UF Health Reproductive Medicine providers that provide Tier 1 coverage for Advantage members.
Questions?
Contact Your Dedicated Florida Blue Representative
- Gainesville
- (352) 594-3354
GatorCareCSR@bcbsfl.com
- Jacksonville & Central Florida
- (904) 244-9130
GatorCareCSR@bcbsfl.com