Affordable Individual Florida Health Insurance – Instantly Compare

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 Senior Medicare Supplement and Medigap Advantage options are also available in the Sunshine State.  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.

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.

Coventry – Coventry was purchased by Aetna in 2013, and utilizes their provider network. They also give consumers a “local” feel with a Regional Home Office located in Broward County, and several other offices nearby. Group and private HMO and PPO plans are offered, along with several other products, including Long Term Care, Medicaid and Medicare. Out-of-state coverage is also offered.

Florida Blue and HMO (BlueCross BlueShield FL) – 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 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.

Humana – Humana and Aetna are in the process of merging, and eventually, available plans will be consolidated.  However, the Department of Justice (DOJ)  has filed antitrust lawsuits in an attempt to block the mergers. Humana also offers dental and vision coverage in selected areas, and features a national provider network. Prices are typically competitive, and various supplemental and ancillary products are also available.

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.

Cigna  is once again offering on-Marketplace plans in 2017  after briefly exiting last year after discovering a large number of fraudulent claims originating from substance and abuse facilities in the state.

NOTE: UnitedHealthcare and Aetna, two of the nation’s largest carriers, are not currently offering on-Exchange plans, although they continue to be very active in the Senior market.  Harken Health, a UnitedHealthcare subsidiary, was expected to offer a small portfolio of products in South Florida, but will delay the product launch. The Fort Lauderdale and Miami areas were specifically targeted.

 

Most Affordable 2017 Health Insurance Options In Florida

Listed below are popular low-cost plans that are eligible for federal subsidies. 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 (Must Be Under Age 30)

Humana Basic 7150 HUMx (HMOx) – $7,150 deductible with $7,150 maximum out-0f-pocket expenses and 0% coinsurance. $15 copay on pcp office visits. Very similar to plan below, although office visit copay is less.

Health First Gym Access Catastrophic HMO 1330 – $7,150 deductible with $7,150 maximum out-of-pocket expenses and 0% coinsurance. $35 pcp office visit copay, although deductible applies to specialist visits.

 

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.

Molina Marketplace Bronze – $6,650 deductible with $7,150 maximum out-of-pocket expenses and 40% coinsurance. pcp office visit copay is $35, while specialist copay is $80. Additional office visits with other practitioners also qualifies for the $35 copay. Diagnostic tests and blood work are subject to  $80 and $35 copays respectively. Tier 1 and Tier 2 drugs qualify for copays only ($33 and $65), while Tier 3 and Tier 4 drugs have a 50% coinsurance.

Florida Blue HMO myBlue Bronze 1602 – $7,150 deductible with maximum out-of-pocket expenses of $7,150 and 0% coinsurance. Home health care and Hospice services fully covered. No charge for preventative drugs and a $30 copay for preferred brand (Condition Care Rx).

Florida Blue HMO myBlue Bronze 1711s – Designated as a “Simple Choice” plan, this option  has a $6,650 deductible and maximum out-of-pocket expenses of $7,150. Three pcp visits are provided to each person subject to a $45 copay. Coinsurance varies from 35% to 50%. Generic drugs have a $4 or $35 copay.

Florida Blue HMO myBlue Bronze 1601 – $6,900 deductible with $7,150 maximum out-of-pocket expenses and 50% coinsurance. The first three pcp office visits are 100% covered. Thereafter, a $50 copay applies. A $70 copay applies to visits to a specialist. Independent clinical lab tests receive a $20 copay. Like previous plan, the generic drug copay is either $4 or $35.

BCBS Of Florida BlueSelect Bronze HSA 1735 – HSA-eligible plan with $6,350 deductible, and $6,350 maximum out-of-pocket expenses and 0% coinsurance. Generic and preferred-brand drugs are subject to copay only.

BCBS Of Florida BlueSelect Bronze 1737S – $6,650 deductible with $7,150 maximum out-of-pocket expenses and 50% coinsurance. $45 copay for first three pcp office visits. Specialist visits must meet deductible and coinsurance. $4 copay for generic drugs, but all other drugs must meet deductible or coinsurance.

BCBS Of Florida BlueSelect Bronze 1452 – $7,150 deductible with maximum out-of-pocket expenses of $7,150 and 0% coinsurance. No charge for laboratory outpatient and professional services.

Florida Health Care Plans IND Essential Plus Bronze HMO 41 – $4,500 deductible with maximum out-of-pocket expenses of $6,950 and 60% coinsurance. All non-preventative office visits are subject to the deductible. Generic and Preferred Brand drug copays are $3 and $30 respectively, and also must meet deductible.

Humana Bronze 6550/South Florida HUMx (HMOx) – $6,550 deductible with maximum out-of-pocket costs of $6,550 and 0% coinsurance. The plan has a very simple concept. Once you meet the deductible, all covered expenses are paid without any coinsurance or copays.

Health First Florida Hospital HMO Bronze 100 1646 – $7,050 deductible with $7,050 maximum out-of-pocket expenses and 0% coinsurance. Deductible must be met before non-preventative benefits are covered.

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 BlueSelect Silver 1443 – $,6500 deductible with $7,150 maximum out-of-pocket expenses and 40%-50% coinsurance. First two pcp office visits are free. Thereafter, a $55 copay applies. Specialist visits must meet deductible and $85 copay. Generic and preferred brand drugs subject to $5 and $35 copays.

Ambetter Balanced Care 4 – $7,050 deductible with $30 and $60 copays on pcp and specialist office visits. Mental and behavioral outpatient visits also receive the same copay. Generic and Preferred Brand drug copays are $15 and $50 respectively. All other drugs must meed the deductible.

Ambettter Balanced Care 2 – Similar to Balanced Care 4 plan with lower deductible ($6,500 vs. $7,050). Difference in premium is approximately $6-$12 per month per person.

Ambetter Balanced Care 1 – $5,500 deductible with maximum out-of-pocket expenses of $6,500 and 20% coinsurance. Slightly more expensive than previous plan.

Ambetter Balanced Care 10 – $4,500 deductible with $6,500 maximum out-of-pocket expenses and 20% coinsurance. Office visit copays are $20 and $40. Generic and preferred brand drugs subject to $10 and $50 copays. Non-preferred brand and specialty drugs are subject to coinsurance and deductible.

Florida Blue  myBlue Silver 1604 – $6,500 deductible with 40% coinsurance. $55 copay for pcp office visits, but specialist visits must meet deductible. However, no charge for inpatient doctor visits. Low $4 copay for diagnostic imaging and x-rays. All drugs must meet deductible.

Florida Blue  myBlue Silver 1712s – $3,500 deductible with $7,150 maximum out-of-pocket expenses. $30 and $65 office visit copays with $75 Urgent Care copay.  $4 generic drug copay, and $50 and $100 copays for preferred and non-preferred brand drugs.

Florida Health Care Plans Gym Access IND Silver HMO BC 0941 – $5,600 deductible with $7, 150 maximum out-of-pocket expenses. $50 and $100 office visit copays with $100 copay for Urgent Care. Preferred and non-preferred generic drugs subject to $3 and $10 copays.

Florida Health Care Plans  IND Silver HMO BC 7741 – $6,500 deductible with $7, 150 maximum out-of-pocket expenses and 40% coinsurance. First two pcp office visits are free, and thereafter, a $55 copay applies. $160 copay for Urgent Care. Preferred and non-preferred generic drugs subject to $3 and $15 copays. Preferred brand and non-preferred brand drugs subject to $50 and $100 copays.

Molina Marketplace Silver – $2,400 deductible with maximum out-of-pocket expenses of $7,150. $20 and $55 office visit copays with copays also on diagnostic tests and x-rays ($55) and blood work ($35).  Generic and preferred brand drugs are subject to copay of $10 and $55. Tier 3 and Tier 4 drugs are subject to coinsurance.

Molina Marketplace Options Silver – $3,500 deductible with maximum out-of-pocket expenses of $7,150. $30 and $65 office visit copays with $75 Urgent Care copay.  Generic and preferred brand drugs are subject to copay of $15 and $50. Tier 3 (non-preferred brand) drugs subject to $100 copay and Tier 4 drugs are subject to 40% coinsurance.

Humana Silver 3550 HMOx – $3,550  deductible with maximum out-of-pocket expenses of $7,150 and 20% coinsurance. Office visit copays are $20 and $40 although diagnostic tests, x-rays and blood work must meet deductible. $10, $20, and $50 copays on Tier 1, 2, and 3 drugs. Tiers 4 and 5 are subject to 50% coinsurance.

Health First Florida Hospital HMO Silver 80 1636 – $3,500 deductible with $7,150 maximum out-of-pocket expenses and 20% coinsurance. $30 and $65 office visit copays with $75 Urgent Care copay.  Preferred generic and non-preferred generic drugs are subject to copays of $2 and $15. Preferred brand and non-preferred brand drugs are subject to $50 and $100.

 

Gold Tier

Florida Blue MyBlue Gold 1605  – $1,025 deductible with $7,150 maximum out-of-pocket expenses and 20% coinsurance. Office visit copays are $15 and $30 with an Urgent Care copay of $60. Tier 1 and Tier 2 drugs are subject to $15 and $50 copays. Tier 3 and Tier 4 drugs must meet 30% coinsurance.

Molina Marketplace Gold – $1,025 deductible with maximum out-of-pocket expenses of $7,150 and 20% coinsurance (identical to previous plan). Office visit copays are $15 and $35 with an Urgent Care copay of $60. Also, just like previous plan, Tier 1 and Tier 2 drugs are subject to $15 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 1738s – $1,250 deductible with maximum out-of-pocket expenses of $4,750 and 20% coinsurance. Office visit copays are $20 and $50, with $65 copay for Urgent Care. Generic, preferred brand and non-preferred brand drugs subject to copays of  $4, $30, and $75 (Condition Care Rx).

Humana Gold 1250 HUMx (HMOx) – $1,250  deductible with maximum out-of-pocket expenses of $6,000 with 20% and 35% coinsurance. Office visit copays are $20 and $40 although diagnostic tests, x-rays and blood work must meet deductible.  Urgent Care copay is $40. $5, $10, and $20 copays on Tier 1, 2, and 3 drugs. Tiers 4 and 5 are subject to 35% coinsurance.

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 of $25 and $35 with $75 Urgent Care 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 Florida Hospital HMO Gold 80 1644 – $1,250 deductible with $4,750 maximum out-of-pocket expenses and 20% coinsurance. $20 and $50 office visit copays with $65 Urgent Care copay.  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 $30 and $75.

 

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.

 

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 Plans With Companies Offering Competitive Rates (Partial List)

 

Plan A – United American, Globe, Everence, UnitedHealthcare, Connecticut General, Transamerica, BCBS, Hartford, Health First.

Plan B – United American, Globe, UnitedHealthcare, Transamerica, BCBS, Hartford.

Plan C – United American, UnitedHealthcare, Transamerica, BCBS.

Plan D – United American, Transamerica, BCBS, Hartford.

Plan F – United American, Globe, BCBS, UnitedHealthcare, Transamerica, Connecticut General, Everence, Hartford, Health First.

Plan G – United American, Transamerica, BCBS, Hartford, Colonial Penn, Gerber, Aetna, Central States, American Retirement Life, Sterling Investors.

Plan K -  UnitedHealthcare, Transamerica, BCBS, Colonial Penn, Humana.

Plan L – UnitedHealthcare, Everence, Transamerica, BCBS.

Plan M – BCBS, Transamerica, Colonial Penn, Mutual Of Omaha.

Plan N – United American, UnitedHealthcare, Globe, Connecticut General, State Mutual, Health First.

Plan F (High Deductible) – United American, Liberty National, Colonial Penn, Humana.

 

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

 

“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.

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.

AARP MedicareComplete Choice Essential – $0 premium with $6,700 maximum out-of-pocket expenses. Available in 66 counties including Brevard, Broward, Glades, Manatee, Miami-Dade, Polk, Sarasota, Volusia, and Washington. In-hospital stays are subject to a $395 copay for the first four days. Office visit copays are $15 and $50.

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 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.


Aetna Medicare Connect Plus
– Available in 11 counties including Broward, Charlotte,  Palm Beach, Lee, Manatee, Miami-Dade,  Duval, Hillsborough, Pasco,  Saint Johns, and Sarasota. $0 deductible with $4,500 maximum out-of-pocket expenses. In-hospital copay of $200 for first four days. Low office visit copays of $0 and $15. No charge for in-network lab services. ER Copay is $75 and Urgent Care copay can range from $0 to $50.

Tier 1 drugs do not have to be mail-ordered for to receive a $0 copay. $17.50 for Tier 2 drugs (standard retail). $117.50 for Tier 3 drugs standard mail-order cost-sharing (90 days).

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.

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.

 

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.