Affordable Individual Florida Health Insurance – Instantly Compare Fl Rates

Compare low-cost health insurance coverage in Florida online and save money. Marketplace plans are available with or without a federal subsidy for individuals, families and small businesses. Get instant free quotes from all top-rated companies and quickly and easily enroll for comprehensive or catastrophic benefits. Affordable Sunshine State policies provide quality  benefits that can be immediately utilized.

Affordable FL Senior Medicare Supplement and Medigap Advantage options are also available.  Many plans may reduce your out-of-pocket expenses, consisting of copays, coinsurance, and deductibles. Typically, you must have reached age 65 and enrolled in Parts A and B to be eligible. Part D prescription drug plans are also offered. Supplemental plans meet federal and state laws, and include a required 30-day free look period.

We review, research and compare policies from all licensed and approved companies and make it easy for you to shop for the best policies at the guaranteed lowest rates allowed and approved by the Florida Department of Insurance. The enrollment process is simplified, so you can  quickly enroll and obtain coverage. Federal subsidies are available on all qualified plans. About 15% of the state population remains uninsured, and many budget-friendly options are offered.

 

Affordable Individual Healthcare Florida

Many Affordable Florida Health Insurance Plans Are Available

 

Health Insurance Companies In Florida (Under Age 65 Coverage)

Ambetter From Sunshine Health – Centene Corporation, a Fortune 500 company, is actually the parent company and has more than three decades of experience in the Managed Care industry. Ambetter features very affordable prices in many states. Sunshine Health is also one of the biggest Medicaid plan providers in the state. The Network provider list is increasing each year.

Coverage is offered in the following counties: Broward, Charlotte, Citrus, Clay, Duval, Hernando, Hillsborough, Manatee, Miami-Dade, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Seminole, and Volusia.

Florida Blue (BCBS Of Florida) – Florida Blue foundation is the official registered trade name of Blue Cross and Blue Shield of Florida Foundation. Community-based, they spend considerable time and money in the local community. Marketplace, Medicare, and small-business coverage is offered in the service area. 21 service centers are available throughout the state, including locations in Jacksonville, Miami, Orlando, Sarasota, Tampa, and Tallahassee. Many affordable Senior plans are also available.

Florida Blue HMO (Health Options) –  Part of BCBS Of Florida

Florida Health Care Plans – FHCP is a community-based company that has been operating for more than 40 years. Affordable single and family plans are offered in Brevard, Flagler, Volusia, and Seminole Counties. Worldwide coverage is available with point-of-service (POS) options, and the BCBS Blue Card network is offered for out-of-state needs. Often, physicians and the pharmacy share the same location which provides added convenience to patients.

Health First – Health First offers coverage to residents in the Central portion of the state, including Brevard County. The company was created in 1995 when three other companies merged to form a not-for-profit delivery system. The local board of trustees is not compensated and all earned profits remain local.

Molina Healthcare – Interestingly, the CEO and President, Dr. J. Mario Molina, is the son of the original founder, and of course, a family member. However, they’re not a small company. As a member of the Fortune 500, they offer individual medical plans in 15 states. And more than 5 million persons are managed by Molina Medicaid or Medicare services. In Florida, rates are very competitive.

NOTE: UnitedHealthcare , Cigna, Humana, and Aetna, four of the nation’s largest carriers, are not currently offering on-Exchange plans, although they continue to be very active in the Senior market.

 

Most Affordable 2018 Health Insurance Options In Florida

Listed below are available plans. Not all policies are offered in every county, and rates will vary, depending on age and zip code. Lower-tier plans often require a deductible (and/or coinsurance) to be met, before certain office visit and prescription drugs are covered. Catastrophic-tier plans are not eligible for federal subsidies.

 

Bronze Tier

Ambetter Essential Care 1 – One of  the cheapest available plans in the state. $6,800 deductible with  maximum $6,800 maximum out-of-pocket expenses of $6,800 and 0% coinsurance. Generic drug copay is $20. Children’s annual eye exam and glasses are covered with a $0 copay.

Florida Blue BlueSelect Bronze 1452 – $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. Preventative Condition Care generic drugs covered with a $5 copay. Preventative Condition Care preferred brand drugs covered with a $35 copay.

Florida Blue BlueSelect Bronze (HSA) – HSA-eligible plan with $6,000 deductible with maximum out-of-pocket expenses of $6,000 and 0% coinsurance. Preventative Condition Care generic drugs covered with a $4 copay. Preventative Condition Care preferred brand drugs covered with a $30 copay.

Florida Blue BlueSelect Bronze 1737S – $6,650 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Office visit copays are $35 and $75. Preventative Condition Care generic drugs covered with a $5 copay. Urgent Care visits subject to $75 copay.

Florida Blue HMO BlueCare Bronze – $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. Diagnostic tests (blood work and x-rays) covered at 100% at independent clinical lab. Preventative Condition Care generic drugs covered with a $5 copay. Preventative Condition Care preferred brand drugs covered with a $35 copay.

Florida Blue HMO myBlue 1711S – $6,650 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Office visit copays of $35 and $75 with $75 Urgent Care copay.   Condition Care generic drugs covered with a $5 copay. Condition Care preferred brand drugs covered with a $35 copay.

Florida Health Care Plans IND Bronze – $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. First two pcp office visits are covered at 100%.

Health First Bronze HMO 60 – $6,650 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Office visit copays are $35 and $75.  Preferred generic and non-preferred generic drug copays are $2 and $35. The Urgent Care copay is $75.

Health First Bronze HMO 100 1774 – $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance.

Molina Marketplace Bronze – $6,400 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Office visit copays are $35 and $80, although specialist visits must meet deductible.  The generic drug copay is $20.

 

Compare FL Medical Plans And Enroll

Silver-Tier Plans Are Eligible For Special “Cost-Sharing” That Can Save Thousands Of Dollars

 

Silver Tier

Florida Blue HMO myBlue Silver 1604 – $6,750 deductible with $7,350 maximum out-of-pocket expenses and 50% coinsurance. Office visits subject to  $100 and $120 copays and also must meet deductible. Diagnostic tests performed at independent clinical labs are covered at 100%. Preventative Condition Care generic drugs covered with a $4 copay. Preventative Condition Care preferred brand drugs covered with a $33 copay.

Ambetter Balanced Care 5 – $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. $40 and $80 copays on pcp and specialist office visits.  Generic and Preferred Brand drug copays are $20 and $60 respectively. All other drugs must meed the deductible.

Ambetter Balanced Care 4 – $7,050 deductible with maximum out-of-pocket expenses of $7,050 and 0% coinsurance. $30 and $60 copays on pcp and specialist office visits. Urgent Care copay is $100.  Generic and Preferred Brand drug copays are $15 and $50 respectively. All other drugs must meed the deductible.

Ambetter Balanced Care 2 – $6,500 deductible with maximum out-of-pocket expenses of $6,500 and 0% coinsurance. $30 and $60 copays on pcp and specialist office visits.  Urgent Care copay is $100. Generic and Preferred Brand drug copays are $15 and $50 respectively. All other drugs must meed the deductible.

Ambetter Balanced Care 1 – $5,500 deductible with maximum out-of-pocket expenses of $6,500 and 20% coinsurance. $30 and $60 copays on pcp and specialist office visits.  Urgent Care copay is $100. Generic and Preferred Brand drug copays are $10 and $50 respectively. All other drugs must meed the deductible.

Ambetter Balanced Care 10 – $5,000 deductible with maximum out-of-pocket expenses of $6,700 and 20% coinsurance. $20 and $40 copays on pcp and specialist office visits.  Urgent Care copay is $100. Generic and Preferred Brand drug copays are $10 and $50 respectively. All other drugs must meed the deductible.

Ambetter Balanced Care 3 – $3,000 deductible with maximum out-of-pocket expenses of $6,500 and 30% coinsurance. $20 and $40 copays on pcp and specialist office visits.  Urgent Care copay is $100. Generic and Preferred Brand drug copays are $25 and $50 respectively. All other drugs must meed the deductible.

Florida Blue HMO myBlue Silver 1603 – $5,950 deductible with maximum out-of-pocket expenses of $7,150 and 0% coinsurance. Office visit copays are $50 and $100. Diagnostic tests (blood work and x-rays) covered with a $25 copay at independent clinical lab. Copay for imaging (MRIs and CT/PET scans) in physician’s office is $100. Urgent Care copay is $175 plus the deductible. $4 copay for generic drugs, $15 copay for low-cost generic drugs, and $34 copay for preferred brand drugs.

Florida Blue HMO myBlue Silver 1712S – $3,500 deductible with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. Office visit copays are $30 and $65.  Copay for imaging (MRIs and CT/PET scans) in physician’s office is $65. Urgent Care copay is $75. $4 copay for generic drugs, $50 copay for preferred brand drugs, and $100 copay for non-preferred brand drugs.

Florida Blue BlueSelect Silver – $6,050 deductible with $7,350 maximum out-of-pocket expenses and 50% coinsurance. Office visits subject to  $100 and $120 copays and also must meet deductible. Diagnostic tests performed at independent clinical labs are covered at 100%. Preventative Condition Care generic drugs covered with a $4 copay. Preventative Condition Care preferred brand drugs covered with a $33 copay.

Florida Health Care Plans IND Silver HMO BC 7741 – $6,000 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Office visit copays are $55 and $100. Diagnostic tests are covered with at no charge (lab work) or with a $13 copay (x-ray) . Imaging (MRIs and CT/PET scans) must meet the deductible and coinsurance.  Urgent Care copay is $160 plus the deductible. $3 copay for generic drugs and $15 copay for preferred brand drugs.

Florida Health Care Plans Gym Access IND Silver POS BC 7741 – $6,000 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Office visit copays are $55 and $100. Diagnostic tests are covered with at no charge (lab work) or with a $13 copay (x-ray) . Imaging (MRIs and CT/PET scans) must meet the deductible and coinsurance.  Urgent Care copay is $160 plus the deductible. $3 copay for generic drugs and $15 copay for preferred brand drugs.

Molina Marketplace Silver 250 – $4,950 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Office visit copays are $30 and $75.  Diagnostic testing copays are $40 for blood work and $75 for x-rays, and the Urgent Care copay is $75. The generic drug and preferred brand drug copays are $20 and $60. Other drugs are subject to a copay and deductible.

Molina Marketplace Options Silver 250 – $3,500 deductible with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. Office visit copays are $30 and $65.  Diagnostic testing coinsurance for blood work and x-rays is 20%, and the Urgent Care copay is $75. The generic drug and preferred brand drug copays are $15 and $50. The non-preferred brand drug copay is $100.

Health First Silver HMO 80 – $2,900 deductible with maximum out-of-pocket expenses of $7,150 and 20% coinsurance. Office visits must meet deductible and coinsurance. Preferred generic and non-preferred generic drug copays are $2 and $15.

Health First Silver HMO 65 – $1,550 deductible with maximum out-of-pocket expenses of $7,350 and 35% coinsurance3. Office visits must meet deductible and coinsurance.

 

Gold Tier

Florida Blue HMO MyBlue Gold 1605  – $940 deductible with $4,700 maximum out-of-pocket expenses and 20% coinsurance. Office visit copays are $90 and $120 with an Urgent Care copay of $130. Diagnostic tests performed at an independent lab are covered with no charge. Condition Care generic drugs covered with a $4 copay.  Condition Care low-cost generic drugs covered with a $15 copay.

Molina Marketplace Gold – $3,800 deductible with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. Office visit copays are $10 and $35 with an Urgent Care copay of $60, and an ER copay of $300.  Diagnostic tests are subject to  copays of $15 (blood work) and $35 (x-rays). Imaging is subject to 20% coinsurance after the deductible has been met. Tier 1 and Tier 2 drugs are subject to $10 and $50 copays. Tier 3 and Tier 4 drugs must meet 30% coinsurance.

Ambetter Secure Care 3 – $1,000 deductible with $6,350 maximum out-of-pocket expenses and 20% coinsurance. First three pcp office visits are free, but other visits (including specialists) are subject to coinsurance and deductible.  $10 generic drug copay, with all other drugs subject to coinsurance or deductible.

Florida Blue BlueSelect Gold 1835 – $2,000 deductible with maximum out-of-pocket expenses of $5,500 and 20% coinsurance. Office visit copays are $40 and $75, with $85 copay for Urgent Care visits and $450 copay for ER visits. Condition Care generic drugs covered with a $4 copay.  Condition Care preferred brand drugs covered with a $33 copay. Other generic and preferred brand drugs covered with $20 and $65 copays.

Florida Blue BlueSelect Gold 1535 – $0 deductible with maximum out-of-pocket expenses of $5,000 and 20% coinsurance. Office visit copays are $25 and $60, with $75 copay for Urgent Care visits and $350 copay for ER visits. Diagnostic tests are subject to a $20 copay when work is performed at an independent clinical lab. Imaging is subject to a $250 copay per visit. Condition Care generic drugs covered with a $4 copay.  Condition Care preferred brand drugs covered with a $25 copay. Other generic and preferred brand drugs covered with $15 and $50 copays.

Florida Health Care Plans  IND Gold HMO 4500 – $1,500 deductible with $4,500 maximum out-of-pocket expenses and 10% coinsurance.  Office visit copays are $25 and $35 with a $75 Urgent Care copay. Lab work is subject to a $10 copay. Preferred and non-preferred generic drugs subject to $3 and $10 copays. Preferred brand and non-preferred brand drugs subject to $30 and $55 copays.

Health First Hospital Gold HMO 80 1772 – $1,400 deductible with $5,000 maximum out-of-pocket expenses and 20% coinsurance. Office visit copays are $20 and $50 with a $65 Urgent Care copay.  Diagnostic tests and imaging are subject to 20% coinsurance. Preferred generic and non-preferred generic drugs are subject to copays of $2 and $10. Preferred brand and non-preferred brand drugs are subject to $40 and $75 copays.

Health First GYM ACCESS Gold HMO 80 – $2,000 deductible with $4,000 maximum out-of-pocket expenses and 20% coinsurance. Office visit copays are $15 and $30 with a $30 Urgent Care copay.  Diagnostic lab tests and x-rays are subject to 20% coinsurance. Preferred generic and non-preferred generic drugs are subject to copays of $2 and $15.

Health First GYM ACCESS Gold HMO 90 HSA 1744 – HSA-eligible plan with $3,000 deductible with $6,000 maximum out-of-pocket expenses and 10% coinsurance.

 

Platinum Tier

Florida Blue BlueSelect Platinum 1451  – $800 deductible with $2,500 maximum out-of-pocket expenses. Office visit copays are $15 and $20 with an Urgent Care copay of $50.  However, first three pcp office visits do not have to pay copay. Tier 1 and Tier 2 drugs are subject to $4-$10 and $20-$40 copays. Tier 3 and Tier 4 drugs must meet 30%-50% coinsurance.

Florida Blue BlueSelect Platinum 1457  – $500 deductible with $2,000 maximum out-of-pocket expenses and 10% coinsurance. Office visit copays are $10 and $20 with an Urgent Care copay of $50. Tier 1 and Tier 2 drugs are subject to $4-$10 and $20-$40 copays. Tier 3 and Tier 4 drugs must meet 30%-50% coinsurance.

Florida Blue BlueSelect Platinum Premier 1451V  – $500 deductible with $2,000 maximum out-of-pocket expenses and 10% coinsurance. Office visit copays are $10 and $20 with an Urgent Care copay of $50. Tier 1 and Tier 2 drugs are subject to $4-$10 and $20-$40 copays. Tier 3 and Tier 4 drugs must meet 30%-50% coinsurance. Slightly more expensive than 1451 option.

Florida Health Care Plans  IND Platinum HMO BC 5841 – $800 deductible with $2,500 maximum out-of-pocket expenses and 10% coinsurance.  $0 office visit copay for first three pcp visits and $15 thereafter.  Specialist office visit copay is $20 and Urgent Care copay is $50.  Preferred and non-preferred generic drugs subject to $3 and $10 copays. Preferred brand and non-preferred brand drugs subject to $30 and $55 copays.

Florida Health Care Plans  Gym Access IND Platinum HMO 92 – $500 deductible with $2,500 maximum out-of-pocket expenses and 10% coinsurance.  Office visit copays are $15 and $30 with an Urgent Care copay of $50.  Specialist office visit copay is $20 and Urgent Care copay is $50.  Preferred and non-preferred generic drugs subject to $3 and $10 copays. Preferred brand and non-preferred brand drugs subject to $30 and $55 copays.

Florida Blue HMO BlueCare Platinum 1485  – $800 deductible with $2,500 maximum out-of-pocket expenses and 10% coinsurance. Pcp office visit copays are $0 for the first three visits, and $15 for all other visits. Specialist copay is $20. Diagnostic tests performed at an independent lab are covered with no charge. The Urgent Care copay is $50. Condition Care generic drugs covered with a $4 copay.  Condition Care preferred brand drugs covered with a $20 copay.

Florida Blue HMO BlueCare Platinum 1491  – $0 deductible with $2,000 maximum out-of-pocket expenses. Office visit copays are $10 and $20.  Diagnostic tests performed at an independent lab are covered with no charge. The imaging (MRI, PET and CT scans) copay is $150. The Urgent Care copay is $50, and the ER copay is $75 for the first visit, and $225 for all other visits. Condition Care generic drugs covered with a $4 copay.  Condition Care preferred brand drugs covered with a $20 copay.

 

Find affordable Medical Plans For Seniors In Florida

Compare Quality Senior Florida Supplement And Advantage Plans Online

 

Florida Senior Health Insurance Options (Age 65 And Over)

 

If you have reached age 65, you are probably eligible for Medicare benefits. Parts A and B (Hospital and Medical coverage) plus prescription drug coverage is available. Licensed and registered brokers offer free comparisons and advice with no cost or obligation. At the top of the page, you can easily request your free online quote, and compare (and enroll) high-quality affordable Senior healthcare plans in your county that feature the lowest rates.

Florida Supplement policies are guaranteed renewable, so you can not be cancelled because of excessive claims that have been submitted.  However, if your bill is not paid, or incomplete information was provided when you applied for coverage, your plan can be terminated by the carrier. If you now qualify for Medicaid, you are provided 90 days to suspend your coverage (for up to 24 months). If you lose Medicaid coverage, once again, you are provided 90 days to reinstate the policy.

SHINE (Serving Health Insurance Needs of Elders) can also provide basic assistance. Companies offering policies (Supplement or Advantage) must be properly licensed and registered with the Department of Insurance. Each year, new carriers are added, and occasional,  additional plans are offered. It is illegal for any agent/broker to sell a policy to an applicant who already has existing coverage (and the broker/agent is aware of that fact). Listed below are the companies approved by the Department of Insurance.

Aetna Medicare

AHF

AvMed

Amerigroup

BeHealthy Florida

BlueMedicare Preferred HMO

Capital Health Plan

CarePlus

Eden

Florida Blue

Florida Blue HMO

Florida Health Care Plans

Freedom Health

Health First

HealthSpring of Florida

HealthSun Health Plans

Humana

Medica

Molina

Optimum

Preferred Care Partners

Simply Healthcare Plans

Sunshine Health

Ultimate Health

UnitedHealthcare

WellCare

 

FL Medicare Supplement Rates


Listed below are current estimated monthly rates for a non-smoking  65 year-old female in various counties. Prices often vary in each county, and are frequently updated.  Because of space restrictions, not all carriers are listed.

 

Miami Dade County

 

Plan A

$159 – Globe

$173 – Everence

$179 – United American

$188 – Colonial Penn

$190 – Health First

$193 – UnitedHealthcare

$193 – Cigna

$195 – Transamerica

$202 – BCBS Of Florida

$205 – Gerber

$221 – Mutual Of Omaha

$237 – Central States

$238 – State Farm

$246 – Humana

$254 – Aetna

 

Plan B

$243 – Globe

$251 – Everence

$264 – Health First

$264 – UnitedHealthcare

$267 – Colonial Penn

$267 – Transamerica

$268 – Cigna

$273 – United American

$279 – BCBS Of Florida

$282 – Gerber

$295 – Mutual Of Omaha

$298 – American Continental

$314 – Central States

$327 – Aetna

$349 – Humana

 

Plan F (High Deductible)

$60 – United American

$68 – Liberty National

$106 – Colonial Penn

$114 – United Of Omaha

$120 – American Continental

$132 – Humana

 

Plan F

$236 – United American

$243 – Globe

$251 – Everence

$264 – Health First

$264 – UnitedHealthcare

$267 – Colonial Penn

$267 – Transamerica

$267 – State Farm

$268 – Cigna

$278 – United Of Omaha

$279 – BCBS Of Florida

$282 – Gerber

$294 – Liberty National

$295 – Mutual Of Omaha

$298 – American Continental

$311 – Combined Insurance

$314 – Central States

$318 – State Farm

$327 – Aetna

$349 – Humana

 

Plan N

$189 – AARP-UnitedHealthcare

$190 – United American

$192 – Globe

$193 – Health First

$201 – Cigna

$204 – Colonial Penn

$218 – Transamerica

$224 – Mutual Of Omaha

$227 – American Continental

$232 – BCBS Of Florida

$236 – Liberty National

$257 – American Retirement Life

$261 – Central States

$278 – Americo

$287 – Aetna

 

Broward County

 

Plan C

$258 – United American

$261 – AARP-UnitedHealthcare

$265 – Transamerica

$275 – BCBS Of Florida

$311 – Central States

$342 – Humana

 

Plan F (HD)

$66 – United American

$106 – Colonial Penn

$114 – Mutual Of Omaha

$119 – American Continental

$130 – Humana

 

Plan F

$236 – United American

$243 – Globe

$251 – Everence

$264 – Health First

$264 – UnitedHealthcare

$267 – Colonial Penn

$267 – Transamerica

$268 – Cigna

$278 – United American

$279 – BCBS Of Florida

$282 – Gerber

$295 – Mutual Of Omaha

$298 – American Continental

$311 – Combined Insurance

$318 – State Farm

$327 – Aetna

$349 – Humana

$357 – American Retirement Life

 

Plan G

$207 – United American

$224 – AARP-UnitedHealthcare

$246 – Colonial Penn

$251 – Transamerica

$253 – Mutual Of Omaha

$258 – BCBS Of Florida

$260 – Gerber

$274 – American Continental

$275 – Combined Insurance

$279 – Constitution Life

$288 – Central States

$292 – Gerber

$320 – Americo

$321 – American Retirement Life

$330 – Aetna

 

Plan N

$189 – AARP-UnitedHealthcare

$200 – Cigna

$201 – Colonial Penn

$207 – United American

$224 – Mutual Of Omaha

$227 – American Continental

$232 – BCBS Of Florida

$258 – Liberty National

$261 – Central States

 

Palm Beach County

 

Plan C

$236 – United American

$261 – AARP-UnitedHealthcare

$261 – Mutual Of Omaha

$265 – Transamerica

$275 – BCBS Of Florida

$311 – Central States

$318 – State Farm

$336 – Aetna

$342 – Humana

 

 

Plan F (HD)

$60 – United American

$68 – Liberty National

$104 – American Continental

$106 – Colonial Penn

$114 – United Of Omaha

$130 – Humana

 

Plan F

$237 – Gerber

$237 – United American

$243 – Globe

$251 – Everence

$254 – Americo

$255 – American Retirement Life

$260 – American Continental

$260 – Constitution Life

$262 – AARP-UnitedHealthcare

$264 – Health First

$267 – Colonial Penn

$267 – Transamerica

$268 – Cigna

$278 – United Of Omaha

$279 – BCBS Of Florida

$286 – Aetna

$311 – Combined Insurance

$314 – Central States

$318 – State Farm

$349 – Humana

 

Plan G

$218 – Gerber

$220 – United American

$229 – Americo

$240 – American Continental

$241 – Constitution Life

$245 – Transamerica

$246 – Colonial Penn

$253 – United Of Omaha

$258 – BCBS Of Florida

$269 – Aetna

$275 – Combined Insurance

$288 – Central States

 

Plan N

$183 – American Retirement Life

$189 – AARP-UnitedHealthcare

$190 – United American

$192 – Globe

$193 – Health First

$198 – American Continental

$201 – Cigna

$204 – Colonial Penn

$208 – Americo

$218 – Transamerica

$223 – Mutual Of Omaha

$232 – BCBS Of Florida

$236 – Liberty National

$251 – Aetna

$261 – Central States

 

Hillsborough County

 

Plan C

$174 – Transamerica

$183 – AARP-UnitedHealthcare

$193 – United American

$194 – BCBS Of Florida

$199 – Constitution Life

$212 – Central States

$231 – Humana

$244 – State Farm

$247 – Aetna

 

Plan F (HD)

$49 – United American

$55 – Liberty National

$80 – Mutual Of Omaha

$82 – American Continental

$85 – Colonial Penn

$89 – Humana

 

Plan F

$175 – Transamerica

$184 – AARP-UnitedHealthcare

$193 – Gerber

$194 – United American

$198 – Globe

$200 – Constitution Life

$204 – American Continental

$206 – American Retirement Life

$206 – Health First

$206 – Americo

$208 – Cigna

$215 – Central States

$225 – Aetna

$229 – Combined Insurance

$237 – Humana

$237 – BCBS Of Florida

$241 – Liberty National

$245 – State Farm

$251 – Everence

 

Plan G

$170 – AARP-UnitedHealthcare

$170 – New Era Life

$178 – Gerber

$180 – Mutual Of Omaha

$182 – BCBS Of Florida

$183 – United American

$185 – Americo

$186 – American Retirement Life

$186 – Constitution Life

$188 – American Continental

$190 – Combined Insurance

$196 – Central States

$197 – Colonial Penn

$212 – Aetna

 

Plan N

$132  – AARP-UnitedHealthcare

$148 – American Retirement Life

$151 – Health First

$156 – American Continental

$156 – United American

$156 – Cigna

$157 – Globe

$159 – Mutual Of Omaha

$160 – Americo

$163 – BCBS Of Florida

$163 – Colonial Penn

$164 – Transamerica

$178 – Central States

$193 – Liberty National

$197 – Aetna

 

Orange County

 

Plan C

$155 – Transamerica

$183 – AARP-UnitedHealthcare

$194 – BCBS Of Florida

$212 – Central States

$215 – United American

$231 – Humana

$235 – Aetna

$244 – State Farm

 

Plan F (HD)

$55 – United American

$62 – Liberty National

$75 – American Continental

$77 – Aetna

$78 – Colonial Penn

$76 – Mutual Of Omaha

$78 – New Era Life

$89 – Humana

 

Plan F

$156 – Transamerica

$184 – Aetna

$183 – AARP-UnitedHealthcare

$184 – United Of Omaha

$185 – New Era Life

$186 – American Continental

$192 – American Retirement Life

$193 – Gerber

$195 – Mutual Of Omaha

$196 – Colonial Penn

$197 – BCBS Of Florida

$200 – Constitution Life

$206 – Health First

$209 – Cigna

$212 – Central States

$216 – United American

$221 – Globe

$231 – Humana

$245 – State Farm

$251 – Everence

 

Plan G

$169 – United American

$170 – AARP-UnitedHealthcare

$170 – New Era Life

$178 – Gerber

$180 – Mutual Of Omaha

$182 – BCBS Of Florida

$183 – Aetna

$186 – American Retirement Life

$189 – American Continental

$190 – Combined Insurance

$196 – Central States

$197 – Colonial Penn

 

Plan N

$133 – AARP-UnitedHealthcare

$135 – New Era Life

$137 – Aetna

$138 – American Retirement Life

$142 – Continental Life

$149 – Mutual Of Omaha

$149 – Americo

$150 – Colonial Penn

$151 – Health First

$163 – BCBS Of Florida

$164 – Transamerica

$173 – United American

$175 – Globe

$178 – Central States

$215 – Liberty National

 

Guarantee Issue

 

In many situations, your application for coverage is guaranteed to be approved for Plans A,B,C,F (Both) ,K, and L. For example, if you move away from your service territory of your Medicare Select, PACE, or Advantage Plan, you qualify. Also, if your existing carrier becomes insolvent or files for bankruptcy, or you cancel your current policy because contractual obligations were not met, you are likely eligible for a guaranteed-issue plan.

NOTE: The Florida Discount Drug Card is offered to all residents regardless of income, age or medical conditions. There are no costs or monthly payments, and benefits can be easily activated. The coverage is not designed to replace Part D plans. Although covered discounts will save money on most drugs, expensive non-generic drugs may still result in high out-of-pocket expenses. If generic substitutes are available, and not being utilized, your physician may authorize the cost-savings change.

 

Find affordable Senior Florida medical coverage

Medicare Advantage Plans In Florida Provide Quality Coverage At A Low Cost

 

Florida Medicare Advantage Plan Options Without Prescriptions

 

“Advantage” contracts (Part C) are issued by private carriers and often provide much lower premiums than original Medicare Parts A and B. Federal law stipulates that these types of contracts must offer benefits equal or in excess of standard Medicare coverage. Often, dental, vision, and or drug benefits are included.

Listed below are several  options. Not all companies offer plans in every county. Deductibles, premiums, and other benefits from the same plan, may not be identical in each county.

 

AARP MedicareComplete Choice Essential – $0 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $395 for the first four days, and $0 for days five and beyond. Office visit copays are $15 and $50 with $80 and $30-$40 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to 20% coinsurance, while lab services are subject to a $10 copay, and outpatient x-rays are subject to a $14 copay. The mental health services copay is $395 for the first four days. Outpatient individual and group therapy copays are $40 and $30.

The skilled nursing facility copay is $0 for days 1-20 and $160 for days 21-62 and $0 for days 63-100. Occupational, physical, and speech and language therapy copays are $40 per visit. The ambulance copay is $250, and the foot care treatment copay is $50. Durable medical equipment and supplies are subject to 20% coinsurance. Dental services are not covered while a routine eye exam has a $0 copay, and  routine hearing exams have a $15 copay, and over-the-ear hearing aids are covered for $330.

Cigna HealthSpring Advantage – Available in Bay, Santa Rosa, Walton and Okaloosa Counties. $0 premium and maximum out-of-pocket expenses of $6,700. $280 hospital copay for first six days. Office visit copays are $0 (pcp) and $40 (specialists).

Florida Health Care Plan Medvantage – Available in Seminole, Flagler, and Volusia Counties. Also has a $0 premium with $6,700 maximum out-of-pocket expenses. Hospital copay for first six days is $295 while office visit copays are $10 and $40.

Freedom Health Savings Plan – Available on Miami-Dade, Brevard, Hillsborough, Palm Beach and 17 additional counties. $0 premium with attractive $3,400 maximum out-of-pocket expenses. $245 hospital copay for first seven days.No charge for pcp visits and $45 copay for specialist visits. Diagnostic tests, procedures, laboratory services and outpatient x-rays are covered at 100% (no copay needed).

Humana Gold Plus – $0 premium. $3,400 maximum out-of-pocket expenses  in Broward, Flagler, and Volusia counties. $6,700 maximum  in Palm Beach, Hernando,  Hillsborough, Manatee, Pasco, and Pinellas counties. Copays and daily hospital expenses vary (typically $90-$100), depending on the county of residence. Note: The available plans are H1036-o53A (HMO), H1036-056 (HMO), H1036-063A (HMO), H1036-119 (HMO), and R5826-018 (Regional PPO).

Health First Secure Plan – $0 premium with $3,400 maximum out-of-pocket expenses. Available in only two counties (Brevard and Indiana River). The in-hospital copay is only $200, but for 10 days, which is a longer period than most other plans. The office visit copays are low at $10 and $25. ER copay is $50.

HumanaChoice – $0 premium with $5,000 maximum out-of-pocket expenses. Regional PPO that is available in 66 counties. In-hospital copay of only $175 for 10 days. Office visit copays are $5 and $35.

 

Florida Medicare Advantage Plans With Prescriptions (Part D)

 

AARP MedicareComplete Choice Plan 2 – $395 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $395 for the first four days, and $0 for days five and beyond. Office visit copays are $15 and $50 with $80 and $30-$40 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to 20% coinsurance, while lab services are subject to a $2 copay, and outpatient x-rays are subject to a $14 copay. The mental health services copay is $395 for the first four days. Outpatient individual and group therapy copays are $40 and $30.

The skilled nursing facility copay is $0 for days 1-20 and $160 for days 21-100. Occupational, physical, and speech and language therapy copays are $40 per visit. The ambulance copay is $250, and the foot care treatment copay is $50. Durable medical equipment and supplies are subject to 20% coinsurance. Dental services are not covered while a routine eye exam has a $0 copay, and  routine hearing exams have a $15 copay, and over-the-ear hearing aids are covered for $330.

30-day supply cost-sharing copays are $3 (Tier 1), $14 (Tier 2), $47 (Tier 3),  $100 (Tier 4), and 25% (tier 5). 90-day supply cost-sharing copays are $9 (Tier 1), $42 (Tier 2), $141 (Tier 3),  $300 (Tier 4), and 25% (tier 5).

Aetna Medicare Choice Plan (HMO-POS) – $200 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $375 for the first four days, and $0 for days five and beyond. Office visit copays are $0 and $45 with $80 and $0-$50 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to a $0-$150 copay, while lab services are subject to a $0-$75 copay, and outpatient x-rays are subject to a $10 copay. The mental health services copay is $375 for the first four days. Outpatient individual and group therapy copays are $40.

The skilled nursing facility copay is $0 for days 1-20 and $160 for days 21-62 and $0 for days 63-100. Occupational, physical, and speech and language therapy copays are $35 per visit. The ambulance copay is $275, and the foot care treatment copay is $45. Durable medical equipment and supplies are subject to 20% coinsurance. Preventative dental services are  covered with a $0 copay, while a routine eye exam has a $0 copay, and  routine hearing exams have a $15 copay, and over-the-ear hearing aids are covered up to policy limitations.

30-day supply cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $42 (Tier 3),  $100 (Tier 4), and 29% (tier 5). 90-day supply cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $126 (Tier 3),  and $300 (Tier 4).

Optimum Healthcare Emerald Full (HMO SNP) – Available in the following counties: Polk, Brevard, Howard, Charlotte, Citrus, Collier, Hernando, Hillsborough, Indiana River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Orange, Osceola, Palm Beach, Pasco, Pinellas, Seminole, Saint Lucie, Sumter, Volusia, and Sarasota. Since it is a “Special Needs” plan, qualification is required. The monthly premium is $29.10 with a $0 deductible and maximum out-of-pocket expenses of $3,400. There is no copay for physician office visits, emergency care or urgent care visits. Durable medical equipment is covered at 100%. Diagnostic tests and procedures, outpatient x-rays, lab services, and therapeutic radiology are covered at 100%. Ambulance services (both ways) have a $0 copay.

There is no out-of-pocket cost for chemotherapy or other Part B drugs. For Tier 2 (Preferred Brand drugs), the copays for standard cost-sharing are $45 for 30 days and $135 for 90-day mail-order.

Optimum Healthcare Emerald Partial (HMO SNP) – Similar to prior plan for members with full Medicare eligibility or who are exempt from cost-sharing. Otherwise, higher out-of-pocket expenses will result, including a $75 copay for Urgent Care visits, and a $50 copay for the first  seven days of an in-patient hospital stay.

Optimum Healthcare Gold Rewards (HMO) – Available in Broward, Hernando, Hillsborough, Pasco, Miami-Dade, Pinellas, Orange, Osceola, Seminole, Volusia, Lake, Sumter, and Marion. The monthly premium is $0 with a $0 deductible and maximum out-of-pocket expenses of $3,400. Office visit copays are $0 and $40. The Urgent Care and ER copays are $10 and $75 respectively. For inpatient hospital care, for the first 6 days, a $195 copay applies. For days 7-90, there is no copay. Skilled nursing facility copays are $0 for the first 5 days, $20 for days 6-20, and $150 for days 21-100. Ambulance services require a $200 copay for each usage. Lab services are subject to a $0-$50 copay, outpatient x-rays are subject to a $0-$225 copay, and MRIs are subject to a $25-$225 copay.

Chemotherapy and other Part B drugs are subject to a 20% copay. For Tier 2 (Preferred Brand drugs), the copays for standard cost-sharing are $40 for 30 days and $80 for 90-day mail-order. For Tier 3 (Non-Preferred drugs), the copays for standard cost-sharing are $95 for 30 days and $190 for 90-day mail-order.

Optimum Healthcare Platinum (HMO) –  The monthly premium is $0 with a $0 deductible and maximum out-of-pocket expenses of $3,400. Office visit copays are $0 and $5. The Urgent Care and ER copays are $10 and $75 respectively. For inpatient hospital care, a $0 copay applies for the first 90 days.  Skilled nursing facility copays are $0 for the first 5 days, $20 for days 6-20, and $95 for days 21-100. Ambulance services require a $200 copay for each usage. Lab services are subject to a $0-$50 copay, outpatient x-rays are subject to a $0-$200 copay, and MRIs are subject to a $25-$200 copay. The insured pays 20% of chemotherapy and other Part B drugs.

AARP Medicare Complete Choice – from UnitedHealthcare and available in Lee, Pasco, Pinellas, Charlotte, Hernando, and Hillsborough Counties. Deductible is $250 with maximum out-of-pocket expenses of $3,600. The in-hospital copay is $275 for four days. Office visit copays are $5 and $35. Diagnostic tests have a 20% copay while lab services and x-rays have $19 and $16 copays respectively. The ER copay is $75 and the Urgent Care copay ranges from $30-$40. Tier 1 and 2 drugs have a $0 copay if mail-ordered for 90 days. Tier 3 copay is $45 and $125 for 30-day and 90-day mail order respectively. Tier 5 drugs have a 27% coinsurance for mail-order and standard retail purchase.

Other AARP-UnitedHealthcare plans available throughout the state include Focus, Plan 2, and Plus. Additional counties of coverage include Clay, Duval, Nassau, Indian River, Martin, Saint Lucie, Manatee, Polk, Sarasota, Brevard, Orange, Osceola, Seminole, Alachua, Columbia, Gilchrist, Suwannee, Flagler, Putnam, Saint Johns, Hardee, Highlands, Citrus, Levy, Collier, Escambia, Okaloosa, Santa and Rosa.

Aetna Medicare Select –  Available in Charlotte, Manatee, and Sarasota Counties. The premium is $0 per month, with a $0 deductible and maximum out-of-pocket expenses of $3,400. Office visit copays are $0 and $35, with $75 ER copay. Home healthcare is covered at 100%. The outpatient hospital copay is $145. Inpatient hospital care copays are $175 for first five days, and $0 for next 60 days. The skilled nursing facility copay is $0 for first 20 days, and $160 for days 21-100.  Renal dialysis is subject to a 20% coinsurance. There are no out-of-pocket costs for Tier 1 preferred generic or Tier 2 generic drugs. Other Aetna plans include Value, Premier, and Maximum plans. Coventry is also an Aetna company.

Capital Health Plan Advantage Plus – Available in Wakulla, Leon, Liberty, Jefferson, Gadsden, Franklin, and Calhoun Counties. $0 deductible with $3,400 maximum out-of-pocket expenses. $200 in-hospital copay for the first five days and office visit copays of $10 and $40. Outpatient x-rays, diagnostic tests, and lab services are covered at 100% (no copay needed). Urgent-care copay is also a reasonable $20. For prescriptions, standard mail-order cost sharing for 90 days costs $7.50, $17.50, $112.50, and $237.50 respectively for Tier 1, 2, 3, and 4 drugs.

CarePlus CareFree, CareHeart, CareNeeds and CareOne – Available throughout the state with many coverage options. Deductibles range from $0 to $360 and maximum out-of-pocket expenses range from $3,400 to $6,700.  Plan copays and prescription benefits also vary, depending on where you reside and which plans are offered.

Cigna HealthSpring Premier – Available in Bay, Escambia, Okaloosa, Santa Rosa, and Walton Counties. $100 deductible with $6,700 maximum out-of-pocket expenses. Hospital care expenses are $280 per day for six days. Office visit copays are $0 and $40. ER and Urgent care copays are $50 and $75 respectively. Tier 1 drugs are subject to $1 or $2 copays, regardless how they are purchased. However, Tier 2 drugs (90-day mail order) are subject to a $30 copay. NOTE Cigna HealthSpring  TotalCare is offered in the same counties. Rate is slightly higher.

HealthSun HealthAdvantage – Available in Broward County. $0 deductible and $3,400 maximum out-of-pocket expenses. Low $100 copay for three days for in-hospital visits. Most office visits (pcp and specialist) are covered at 100% without a copay. ER and Urgent care copays are $50 and $25. No out-of-pocket costs for Tier 1 and Tier 2 drugs. (MediMax and SunPlus plans are available in Miami-Dade County)

UnitedHealthcare Assisted Living Plan – Available in many counties including Alachua, Brevard, Broward, Martin, Miami-Dade, Palm Beach, Santa Rosa, and Seminole. The in-hospital copay is $250 for the first five days. Office visits feature very low copays of $0 and $10 while  the ER and Urgent Care copays are $75 and $30-$40. Standard 90-day mail order cost-sharing copays for Tier 1, 2, and 3 drugs are $0, $0, and $131.

AvMed Medicare Choice – Available in Broward and Miami-Dade Counties. $o deductible with $4,000 or $5,000 maximum out-of-pocket expenses. In-hospital copay is $55 or $85 for days 6-20. Office visits are $0 and $0-$30. Lab services are covered at 100% while outpatient x-rays are subject to a $25 copay. ER and Urgent care copays are $75 and $25. Preferred generic drugs are covered at 100% and the Broward County plan has higher copays and out-of-pocket expenses for most other prescriptions.

 

FL Part D Prescription Drug Plans

 

Express Scrips Medicare Choice – $350 deductible with $0 and $4 copays for 90-day mail order Tier 1 and Tier 2 drugs.

Express Scrips Medicare Value – $400 deductible with $3 and $6 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $120.

SilverScript Choice – $0 deductible with $10 and $50 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $117.50.

SilverScript Plus – $0 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $67.50.

AARP Medicare Rx Preferred (UnitedHealthcare) – $0 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $93.

AARP Medicare Rx Saver Plus – $400 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $46.

AARP Medicare Rx Walgreens – $400 deductible with $0 and $9 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $81.

Aetna Medicare Rx Saver – $400 deductible with $3 and $6 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $105.

Florida Blue BlueMedicare Rx-Option 1 – $335 deductible with $6 and $39 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $120. Tier 4 copay is $279.

Florida Blue BlueMedicare Rx-Option 2 – $0 deductible with $9 and $30 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $120. Tier 4 copay is $279.

First Health Part D Premier Plus – $0  deductible with $3 and $6 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $102. Tier 4 drugs subject to 50% coinsurance.

First Health Part D Value Plus – $0  deductible with $6 and $15 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $141. Tier 4 drugs subject to 50% coinsurance.

Cigna-HealthSpring Rx Secure-Extra – $50  deductible with $15 and $30 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $126. Tier 4 drugs subject to 50% coinsurance.

Cigna-HealthSpring Rx Secure – $400  deductible with $3 and $15 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $120. Tier 4 drugs subject to 38% coinsurance.

EnvisionRxPlus – $400  deductible with 10% coinsurance and 12% coinsurance for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 is subject to (90-day) is 15% coinsurance.

Humana Enhanced – $0  deductible with $0 and $7 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $116. Tier 4 drugs subject to 44% coinsurance.

Humana Preferred Rx – $400 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is 15%.  Tier 5 drugs are not available.

Humana Walmart Rx – $400 deductible with $0 and $8 copays for 90-day mail order Tier 1 and Tier 2http://www.majormedicalhealth.com/wp-admin/post.php?post=2737&action=edit drugs. Tier 3 copay (90-day) is 15%.

WellCare Classic – $400  deductible with $0 and $32.50 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $117.50.

WellCare Extra – $0  deductible with $0 and $15 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $80.

 

Your free online Florida health insurance quotes are available by providing your zip code at the top of the page. Single, family, group, and Senior plans can be easily compared.