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 (MA) 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.

Oscar – Oscar made their debut in Florida two years ago. They have slowly been increasing their market share, and currently cover more than 250,000 persons in Texas, Ohio, New York, New Jersey, California, Tennessee, Arizona, Michigan, and Florida. Web and mobile apps are heavily utilized to help streamline customer service. $0 Virtual Primary Care is available in Miami, Fort Lauderdale, and Palm Beach.

Virtual Primary Care consists of unlimited visits, Tier 1 prescriptions, and diagnostic imaging orders. Virtual Urgent Care may be available when a patient needs to quickly see a physician. In-home lab draws provide medical directly to a patient’s home.

Cigna – Cigna is a global health carrier with more than 90 million customers. They offer individual and family health plans in 12 states, and dental plans in 49 states.

Bright Health – The company was founded by a former CEO of UnitedHealthcare. Three years ago, they began to offer health insurance plans in selected states. Coverage is available in Orlando, Daytona Beach, Palm Beach, and Tampa.

Off-Exchange plans will be offered by Cigna and AvMed. UnitedHealthcare,  Humana, and Aetna, three of the nation’s largest carriers, are not currently offering on-Exchange plans, although they are very active in the Senior market.

Florida Counties With Cheapest Rates Without Federal Subsidy – Gulf, Charlotte, Citrus, Highlands, Indian River, Marion, Broward, Clay, Duval, Hernando, Lake, Martin, Orange, and Sarasota.

Florida Counties With Cheapest Rates With Federal Subsidy – Calhoun, Franklin, Gadsden, Glades, Hamilton, Hardee, Holmes, Jefferson, Jackson, Lafayette, Leon, Liberty, Monroe, Union, Wakulla, and Washington.

 

2021 Average Rate Changes

AvMed IFP Engage – 0.07% decrease

AvMed IFP Engage HSAQ – 2.49% increase

AvMed IFP Empower – 6.32% decrease

AvMed IFP Empower HSAQ – 3,60% decrease

BCBS Of Florida BlueOptions – 0.62% decrease

BCBS Of Florida BlueOptions Plus Dental – 0.88% decrease

BCBS Of Florida BlueSelect – 2.29% increase

BCBS Of Florida BlueSelect Plus Dental – 1.96% increase

Bright Health – 1.64% increase

Celtic-Ambetter – 4.39% increase

Celtic-Ambetter + Vision + Adult Dental – 2.92% increase

Cigna FL IND EPO – 3.24% decrease

Florida Health Care Plan GYM Access IND Essential Plus Catastrophic HMO 36 – 13.45% decrease

Florida Health Care Plan GYM Access IND Essential Plus Catastrophic POS 37 – 15.50% decrease

Florida Health Care Plan GYM Access IND Essential Plus Silver HMO 53 – 2.65% decrease

Florida Health Care Plan GYM Access IND Essential Plus Gold HMO 63 – 5.43% decrease

Florida Health Care Plan GYM Access IND Essential Plus Platinum HMO 65 – 3.69% decrease

Florida Health Care Plan GYM Access IND Platinum HMO 4000 – 3.66% decrease

Florida Health Care Plan GYM Access IND Essential Plus Silver POS 54 – 4.52% decrease

Florida Health Care Plan GYM Access IND Platinum POS 4000 – 5.66% decrease

Health First HFCP HMO Gym Access Commercial – 0.73% increase

Health First HFCP HMO Basic Commercial – 0.54% increase

Health First AdventHealth HMO Gym Acess Individual – 7.89% increase

Health First AdventHealth HMO Gym Acess Commercial – 4.57% increase

Health First HFCP HMO Gym Access Individual – 1.90% increase

Health First HFCP HMO Basic Individual – 0.84% increase

Health First AdventHealth HMO Basic Individual – 5.32% increase

Health First AdventHealth HMO Basic Commercial – 4.42% increase

Health Options BlueCare – 0.28% increase

Health Options BlueCare Plus Dental – 0.11% increase

Health Options MyBlue – 1.73% increase

Health Options BlueCare – 0.28% increase

Molina Healthcare – 3.66% decrease

Molina Healthcare Plus Vision – 3.33% decrease

Oscar FL 007 – 1.40% increase

 

Most Affordable Health Insurance Options In Florida (Under Age 65)

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. Platinum-tier plans typically offer the lowest out-of-pocket expenses.

 

Catastrophic Tier

Oscar  Secure – $8,550 deductible with maximum out-of-pocket expenses of $8,550 and 0% coinsurance. First three pcp office visits are fully covered. No charge for Oscar Virtual Care. Applicants must be under age 30.

Bright Health Catastrophic – $8,550 deductible with maximum out-of-pocket expenses of $8,550 and 0% coinsurance. First three pcp office visits are covered with $0 copay. Applicants must be under age 30.

Health First Gym Access Catastrophic– $8,550 deductible with maximum out-of-pocket expenses of $8,550 and 0% coinsurance. First three pcp office visits are covered with only a $35 copay. Applicants must be under age 30.

Florida Health Care Plans Gym Access IND Essential Plus Catastrophic – $8,550 deductible with maximum out-of-pocket expenses of $8,550 and 0% coinsurance. First three pcp office visits are fully covered. Applicants must be under age 30.

 

Bronze Tier

Ambetter Essential Care 1 – One of  the cheapest available plans in the state. $8,300 deductible with  maximum out-of-pocket expenses of $8,300 and 0% coinsurance. Generic drug copay is $25 ($50 mail order).

Ambetter Essential Care 2 (HSA) – HSA-eligible plan. $6,900 deductible with  maximum out-of-pocket expenses of $6,900 and 0% coinsurance.

Ambetter Essential Care 10 –  $7,200 deductible with  maximum out-of-pocket expenses of $8,400 and 50% coinsurance. Generic drug copay is $25.

Florida Health Care Plans Gym Access IND Bronze HMO – $8,550 deductible with maximum out-of-pocket expenses of $8,550 and 0% coinsurance. First two pcp office visits are fully covered. Preferred generic and non-preferred generic drug copays are $4 and $30.

Florida Health Care Plans Gym Access IND Bronze HMO HSA – $6,300 deductible with maximum out-of-pocket expenses of $6,900 and 30% coinsurance. Policy is HSA-eligible.

Oscar Bronze Simple – $7,300 deductible with maximum out-of-pocket expenses of $8,550 and 30% coinsurance.  Tier 1A drug copay is $3. Tier 1B drug copay is $25.

Oscar Bronze Classic – $6,000 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. One pcp office visit subject to $50 copay. Urgent Care copay is $75. Tier 1A drug copay is $3. Tier 1B drug copay is $25.

Oscar Bronze HDHP – $5,200 deductible with maximum out-of-pocket expenses of $7,000 and 50% coinsurance. $50 and $90 office visit copays subject to deductible. Tier 1A drug copay is $3. Tier 1B drug copay is $25.

 

Florida Blue myBlue Bronze 1602 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Diagnostic tests at independent clinical labs are fully covered. Condition Care generic drugs covered with a $5 copay. Condition Care preferred brand drugs covered with a $30 copay. First two Urgent Care visits have $0 copay with Choice Provider.

Florida Blue myBlue Bronze 1711S – $6,650 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays are $35 and $75. Urgent Care copay is $75. Condition Care generic drugs covered with a $4 copay. Condition Care preferred brand drugs covered with a $40 copay.

Florida Blue myBlue Bronze 1601 – $7,650 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays are $45 and $65. However, the first three pcp visits have a $0 copay. Urgent Care copay is $65. Condition Care generic drugs covered with a $4 copay. Condition Care preferred brand drugs covered with a $40 copay.

Florida Blue BlueSelect Bronze 1449 – $7,700 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays are $45 and $65. However, the first three pcp visits have a $0 copay. Urgent Care copay is $65. Condition Care generic drugs covered with a $4 copay. Condition Care preferred brand drugs covered with a $30 copay.

Florida Blue BlueSelect Bronze 1452 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.  Condition Care generic drugs covered with a $5 copay. Condition Care preferred brand drugs covered with a $35 copay.

Florida Blue BlueSelect Bronze HSA 1735 – HSA-eligible plan with $6,000 deductible with maximum out-of-pocket expenses of $6,000 and 0% coinsurance.  Condition Care generic drugs covered with a $4 copay. Condition Care preferred brand drugs covered with a $30 copay.

Bright Health Bronze  – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $40 copay for first three pcp office visits.

Bright Health Bronze Premier  – $5,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $25 pcp office visit copay and $75 Urgent Care copay. Generic drug copay is $25.

Molina Core Care Bronze 2 – $8,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance.

Cigna Connect 8150 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.

Health First Bronze HMO 100 –  $8,150 deductible and maximum out-of-pocket expenses of $8,150 and 0% coinsurance.

Health First Gym Access Bronze HMO 50 –  $6,900 deductible and maximum out-of-pocket expenses of $7,700 and 50% coinsurance. $45 and $60 office visit copays for the first three visits. Preferred generic and non-preferred generic drug copays are $2 and $35.

 

Compare FL Medical Plans And Enroll

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

 

Silver Tier

Ambetter Balanced Care 12  – $6,500 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $35 and $70 copays on pcp and specialist office visits.  Urgent Care copay is $55. Generic and Preferred Brand drug copays are $25 and $60 respectively. All other drugs must meet the deductible.

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. Urgent Care copay is $60.  Generic and Preferred Brand drug copays are $20 and $60 respectively. All other drugs must meet 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 $60. Generic and Preferred Brand drug copays are $15 and $50 respectively. All other drugs must meet the deductible.

Ambetter Balanced Care 11 – $6,000 deductible with maximum out-of-pocket expenses of $8,100 and 40% coinsurance. $30 and $60 copays on pcp and specialist office visits.  Urgent Care copay is $60. Generic and Preferred Brand drug copays are $20 and $50 respectively. All other drugs must meet the deductible.

Ambetter Balanced Care 1 – $5,650 deductible with maximum out-of-pocket expenses of $6,950 and 20% coinsurance. $30 and $60 copays on pcp and specialist office visits.  Urgent Care copay is $60. Generic and Preferred Brand drug copays are $10 and $55 respectively. All other drugs must meet the deductible.

Florida Blue HMO myBlue Silver 2017 – $7,700 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays are $145 and $110 (deductible applies). Diagnostic tests (blood work and x-rays) covered with a $0 copay at independent clinical lab. Copay for imaging (MRIs and CT/PET scans) in physician’s office is $100 (deductible applies). Urgent Care copay is $150 plus the deductible. $4 copay for generic drugs.

Florida Blue HMO myBlue Silver 1603 – $5,950 deductible with maximum out-of-pocket expenses of $7,150 and 50% 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 $100. $4 copay for generic drugs and $15 copay for low-cost generic drugs. $34 copay for preferred brand drugs.

Florida Blue HMO myBlue Silver 1604 – $5,500 deductible with maximum out-of-pocket expenses of $7,500 and 50% coinsurance. Office visit copays are $100 and $125. Diagnostic tests (blood work and x-rays) covered with a $0 copay at independent clinical lab. Copay for imaging (MRIs and CT/PET scans) in physician’s office is $125. Urgent Care copay is $125. $4 copay for generic drugs and $40 copay for low-cost generic drugs. $34 copay for preferred brand drugs.

Florida Blue HMO myBlue Silver 1712S – $3,800 deductible with maximum out-of-pocket expenses of $8,150 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 $65. $4 copay for generic drugs and $35 copay for preferred brand drugs.

Florida Blue BlueSelect Silver 1443 – $6,000 deductible with $7,900 maximum out-of-pocket expenses and 50% coinsurance. Office visits subject to  $100 and $150 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 $40 copay.

Florida Blue BlueSelect Silver 1456 – $5,950 deductible with $7,150 maximum out-of-pocket expenses and 50% coinsurance. Office visits subject to  $50 and $100 copays with $100 Urgent Care copay. Diagnostic tests performed at independent clinical labs are covered with a $25 copay. Preventative Condition Care generic drugs covered with a $4 copay. Preventative Condition Care preferred brand drugs covered with a $34 copay.

Florida Health Care Plans IND Silver HMO BC 7741 – $6,000 deductible with maximum out-of-pocket expenses of $7,300 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 $7,300 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 HMO BC 0941 – $5,600 deductible with maximum out-of-pocket expenses of $7,150 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 preferred generic drugs and $10 copay for non-preferred drugs.

Molina Constant Care Silver 2 250 – $6,500 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays are $30 and $75.  Diagnostic testing copays are $40 for blood work and 40% coinsurance for x-rays, and the Urgent Care copay is $30. The preferred generic drug and preferred brand drug copays are $25 and $65. Other drugs are subject to a copay and deductible.

Molina Constant Care Silver 1 250 – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays are $25 and $75.  Diagnostic testing copays are $40 for blood work and 40% coinsurance for x-rays, and the Urgent Care copay is $25. The preferred generic drug and preferred brand drug copays are $15 and $60. Other drugs are subject to a copay and deductible.

Oscar Saver Silver – HSA-eligible plan with $3,000 deductible with maximum out-of-pocket expenses of $6,650 and 40% coinsurance.

Oscar Classic Silver – $5,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays are $50 and $75.  The Urgent Care copay is $100.  The generic drug copay is $3 ($7.50 for mail order). The preferred brand drug copays are $75 and $187.50.

Oscar Classic Silver Next – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays are $25 and $75.  The Urgent Care copay is $100.  The generic drug copay is $3 ($7.50 for mail order). The preferred brand drug copays are $100 and $250.

Oscar Simple Silver – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Office visit copays are $25 and $50.  The Urgent Care copay is $75.  The generic drug copay is $3 ($7.50 for mail order). The preferred brand drug copay is $75 ($187.50 for mail order).

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 – $2,650 deductible with maximum out-of-pocket expenses of $7,900 and 35% coinsurance. Office visits must meet deductible and coinsurance.

Bright Health Silver 1 Plan – $4,700 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. The pcp office visit copay is $40  and the Urgent Care copay is $75. The generic drug copay is $15.

Bright Health Silver 2 Plan – $4,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. The pcp office visit copay is $35  and the Urgent Care copay is $75. The generic drug copay is $15.

Cigna Connect 6000 – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays are $30 and $60.  The Urgent Care copay is $100.  The generic drug copay is $15 ($45 for mail order). The preferred brand drug copay is $50 ($150 for mail order).

Cigna Connect 5000 – $5,000 deductible with maximum out-of-pocket expenses of $8,150 and 30% coinsurance. Office visit copays are $20 and $80.  The Urgent Care copay is $100.  The preferred generic drug copay is $15 ($45for +++++++ mail order). The generic drug copay is $20 ($60 for mail order). The preferred brand drug copay is $50 ($150 for mail order).

 

Gold Tier

Florida Blue HMO BlueCare 1865  – $1,500 deductible with $5,500 maximum out-of-pocket expenses and 20% coinsurance. Office visit copays are $40 and $75 with an Urgent Care copay of $75. Diagnostic tests performed at an independent lab are covered with a $20 copay. Condition Care generic and preferred brand drug copays are $4 and $33.

Florida Blue HMO BlueCare 1565  – $0 deductible with $5,000 maximum out-of-pocket expenses and 40% coinsurance. Office visit copays are $25 and $60 with an Urgent Care copay of $60. Diagnostic tests performed at an independent lab are covered with a $20 copay. Condition Care generic and preferred brand drug copays are $4 and $25.

Florida Blue HMO BlueCare 1565  – $0 deductible with $5,000 maximum out-of-pocket expenses and 40% coinsurance. Office visit copays are $25 and $60 with an Urgent Care copay of $60. Diagnostic tests performed at an independent lab are covered with a $20 copay. Condition Care generic and preferred brand drug copays are $4 and $25.

Molina Confident Care Gold 1 – $2,925 deductible with maximum out-of-pocket expenses of $6,000 and 20% coinsurance. Office visit copays are $10 and $50 with an Urgent Care copay of $10.  Diagnostic tests are subject to  copays of $15 (blood work). 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 5 – $1,250 deductible with $5,900 maximum out-of-pocket expenses and 20% coinsurance. $15 and $35 office visit copays.  Generic and preferred brand drug copays are $15 and $30 ($37.50 and $75 mail order).

Florida Health Care Plans  IND Gold HMO 5500 – $2,500 deductible with $5,500 maximum out-of-pocket expenses and 20% coinsurance.  Office visit copays are $20 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 $5,500 maximum out-of-pocket expenses and 20% coinsurance. Office visit copays are $20 and $50 with a $60 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 1741 – $2,900 deductible with $7,900 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. Preferred brand and non-preferred brand drugs are subject to $30 and $50 copays. 

Oscar Classic Gold – $1,700 deductible with maximum out-of-pocket expenses of $8,150 and 20% coinsurance. Office visit copays are $25 and $50.  The Urgent Care copay is $75.  The generic drug copay is $3 ($7.50 for mail order). The preferred brand drug copay is $50 ($125 for mail order).

Bright Health Gold Plan – $2,700 deductible with maximum out-of-pocket expenses of $8,150 and 20% coinsurance. The pcp office visit copay is $25 (first two visits are $0), the specialist office visit copay is $50, and the Urgent Care copay is $75. The generic and preferred brand drug copays are $10 and $50.

Cigna Connect 1200 – $1,200 deductible with maximum out-of-pocket expenses of $7,000 and 20% coinsurance. Office visit copays are $25 and $85.  The Urgent Care copay is $75.  The generic drug copay is $35 ($105 for mail order). The preferred brand drug copay is $65 ($195 for mail order).

 

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  – $0 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 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 $3,000 maximum out-of-pocket expenses and 10% coinsurance.  Office visit copays are $15 and $30 with an Urgent Care copay of $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 91 – $250 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.   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 4000 – $0 deductible with $4,000 maximum out-of-pocket expenses and 20% coinsurance.  Office visit copays are $20 and $40 with an Urgent Care copay of $60.   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 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.

 

Florida Health Insurance Rates (Private Individual And Family Plans – Monthly Rates)

Jacksonville – 30-year-old with $28,000 income

$67 – Molina Core Care Bronze 2

$72 – Bright Health Bronze 2

$72 – Molina Core Care Bronze 1

$75 – Ambetter Essential Care 1

$168 – Bright Silver 1

 

St. Petersburg – 35-year-old married couple with one child (three persons) with $50,000 income

$21 – Oscar Classic Bronze

$34 – Oscar Simple Bronze

$34 – Bright Health Bronze

$43 – Ambetter Essential Care 1

$314 – Bright Silver 1

 

Miami – 40-year-old married couple (two persons) with $45,000 income

$86 – Oscar Classic Bronze

$96 – Oscar Simple Bronze

$100 – Ambetter Essential Care 1

$111 – Oscar Saver Bronze

$318 – Oscar Saver Silver

 

Tampa – 50-year-old married couple with two children (four persons) with $88,000 income

$239 – Ambetter Essential Care 1

$246 – Bright Health Bronze

$260 – Oscar Classic Bronze

$269 – Ambetter Essential Care 2 HSA

$673 – Bright Health Silver 1

 

Orlando – 55-year-old married couple with three children (five persons) with $105,000 income

$115 – Molina Core Care Bronze 2

$154 – Molina Core Care Bronze 1

$175 – Oscar Classic Bronze

$180 – Bright Health Bronze

$791 – Bright Health Silver 1

 

Tallahassee – 60-year-old married couple with $65,000 income

$0 – Florida Blue BlueOptions 1419

$0 – Florida Blue BlueOptions 1416

$0 – Florida Blue BlueOptions (HSA) 1705

$0 – Florida Blue BlueOptions 1707S

$318 – Florida Blue BlueOptions Silver 1410

 

Short-Term Health Insurance Plans (Sample Monthly Rates In Largest Counties)

Plans are popular for persons that have missed the Open Enrollment deadline, or prefer major medical basic benefits. Pre-existing conditions are not covered and federal subsidies are not provided.

30-Year-Old Female residing In Miami-Dade County

$82 – Independence American $10,000 deductible, 50% coinsurance and $2 million benefit

$106 – Independence American $5,000 deductible, 50% coinsurance and $1 million benefit

$118 – Everest $5,000 deductible, 50% coinsurance and $1 million benefit

$137 – Everest $2,500 deductible, 50% coinsurance and $1 million benefit

$159 – UnitedHealthcare $2,500 deductible, 30% coinsurance and $2 million benefit

 

40-Year-Old Female residing In Broward County

$121 – Independence American $10,000 deductible, 50% coinsurance and $2 million benefit

$141 – UnitedHealthcare $5,000 deductible, 30% coinsurance and $2 million benefit

$166 -Companion Life $5,000 deductible, 20% coinsurance and $1 million benefit

$187 – UnitedHealthcare $2,500 deductible, 30% coinsurance and $2 million benefit

$204 – Independence American $2,500 deductible, 50% coinsurance and $1 million benefit

 

40-Year-Old Married Couple residing In Palm Beach County

$201 – UnitedHealthcare $10,000 deductible, 30% coinsurance and $2 million benefit

$245 – UnitedHealthcare $5,000 deductible, 30% coinsurance and $2 million benefit

$268 -Companion Life $5,000 deductible, 20% coinsurance and $1 million benefit

$306 – UnitedHealthcare $2,500 deductible, 30% coinsurance and $2 million benefit

$344 – Everest $2,500 deductible, 50% coinsurance and $1 million benefit

 

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. Low-deductible plans may be more cost-efficient if you have multiple pre-existing conditions.

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

$200 – AARP-UnitedHealthcare

$208 – Humana

$211 – Cigna

$217 – Continental Life

$228 – United Of Omaha

$232 – Accendo

$264 – Thrivent

$272 – New Era Life

$288 – Union Security

$293 – Great Southern Life

 

Plan B

$242 – AARP-UnitedHealthcare

$250 – Continental Life

 

Plan F (High Deductible)

$90 – Cigna

$97 – Humana

$128 – United Of Omaha

$145 – New Era Life

 

Plan F

$275 – Continental Life

$283 – AARP-UnitedHealthcare

$298 – Accendo

$321 – Humana

$331 – Cigna

$336 – Thrivent

$339 – United Of Omaha

$357 – Great Southern Life

$369 – Union Security

$369 – New Era Life

 

Plan N

$186 – Continental Life

$190 – United Of Omaha

$194 – Accendo

$198 – AARP-UnitedHealthcare

$198 – Cigna

$214 – Humana

$214 – Thrivent

$247 – Great Southern Life

$252 – Union Security

$270 – New Era Life

 

Broward County

 

Plan A

$208 – AARP-UnitedHealthcare

$216 – Humana

$234 – Cigna

$244 – United Of Omaha

$250 – Continental Life

$267 – Accendo

$288 – Thrivent

$293 – New Era Life

$322 – Great Southern Life

$332 – Union Security

 

Plan C

$257 – United American

$258 – Companion Life

$281 – UnitedHealthcare

$282 – Transamerica

$300 – Epic Life

$304 – BCBS Of Florida

$316 – Central States

$316 – Hartford

$317 – State Farm

$430 – Aetna

 

Plan F (HD)

$67 – United American

$93 – Cigna

$97 – Humana

$108 – Pan-American Life

$116 – Great Southern Life

$120 – Colonial Penn

$128 – United Of Omaha

 

Plan F

$208 – United American

$213 – Union Security

$243 – Globe Life

$263 – Companion Life

$268 – Cigna

$270 – Connecticut General

$272 – Everence

$283 – Transamerica

$285 – UnitedHealthcare

$291 – Humana

$295 – Mutual Of Omaha

$298 – Accendo

$300 – Continental Life

$301 – Epic Lifex

$302 – Colonial Penn

$305 – National Health

$309 – BCBS Of Florida

$311 – Combined Insurance

$311 – Renaissance Life

$313 – USAA Life

$317 – Hartford

$318 – State Farm

$321 – Capitol Life

$322 – Central States

$325 – Sterling Investors Life

$346 – Great Southern Life

$369 – New Era Life

$390 – Aetna

 

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

$186 – Companion Life

$199 – Constitution Life

$194 – BCBS Of Florida

$194 – AARP-UnitedHealthcare

$197 – Hartford

$203 – United American

$231 – Humana

$234 – Mutual Of Omaha

$235 – Aetna

$244 – State Farm

 

Plan F (HD)

$51 – United American

$62 – Liberty National

$65 – Humana

$73 – New Era Life

$75 – American Continental

$77 – Aetna

$78 – Colonial Penn

$76 – Mutual Of Omaha

 

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 – Humana

$133 – AARP-UnitedHealthcare

$135 – New Era Life

$137 – Aetna

$137 – Companion Life

$138 – American Retirement Life

$142 – American Continental

$149 – Americo

$150 – Colonial Penn

$151 – Health First

$156 – Cigna

$158 – Connecticut General

$160 – United American

$163 – BCBS Of Florida

$164 – Transamerica

$169 – Sterling Investors

$175 – Globe

$178 – Central States

$181 – Mutual Of Omaha

$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. Fitness club (YMCA, JCC, exercise facilities) and provided transporation to physician visits and other health-related services may also be offered.

Safety devices that provide a safer home environment and emergency response systems (police or fire department are popular perks with MA plans. Home delivery meal services are provided in some areas by selected carriers.

Counties With The Largest Number Of Available Advantage Plans

94 – Hillsborough County

92 – Pinellas County

92 – Broward County

91 – Pasco County

88 – Miami-Dade County

88 – Orange County

85 – Seminole County

85 – Palm Beach County

83 – Polk County

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 Medicare Advantage Patriot– $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 $10 and $40 with $90 and $30-$40 ER and Urgent Care visit copays. Diagnostic tests and procedures are subject to a $20 copay, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. The mental health services therapy copays are $15 and $25. Hearing exams have a $0 copay.

Aetna Medicare Eagle – $0 deductible with $5,500 maximum out-of-pocket expenses. Inpatient hospital copay of $250 for the first 6 days, and $0 for days 7 and beyond. Office visit copays are $0 and $40 with $90 and $0-$25 ER and Urgent Care visit copays. Diagnostic tests and procedures are subject to a $0-$75 copay, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0-$20 copay. The mental health services therapy copays are $30. Hearing exams have a $40 copay.

Freedom Savings Plan – $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $225 for the first seven days, and $0 for days eight and beyond. Office visit copays are $0 and $40 with $75 and $10 ER and Urgent Care visit copays. Diagnostic tests and procedures are subject to $0-$195 or 20% coinsurance, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $0-$250 copay. The mental health services therapy copays are $40. Hearing exams have a $0 copay.

Humana Honor – $0 deductible with $4,500 maximum out-of-pocket expenses. Inpatient hospital copay of $195 for the first 8 days, and $0 for days 9 and beyond. Office visit copays are $0 and $30 with $90 and $0-$30 ER and Urgent Care visit copays. Diagnostic tests and procedures are subject to a $0-$125 copay, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $0-$110 copay. The mental health services therapy copays are $5. Hearing exams have a $30 copay. 

HumanaChoice – $0 deductible with $7,500 maximum out-of-pocket expenses. Inpatient hospital copay of $195 for the first 8 days, and $0 for days 9 and beyond. Office visit copays are $0 and $30 with $90 and $0-$30 ER and Urgent Care visit copays. Diagnostic tests and procedures are subject to a $0-$125 copay, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $0-$110 copay. The mental health services therapy copays are $5. Hearing exams have a $30 copay

 

Florida Senior Prescription Drug Plans

Many Medicare Advantage Plans Include Prescription Drug Coverage

 

Florida Medicare Advantage Plans With Prescriptions 

Rates and benefits can vary, depending upon your county of residence. Availability of plans and carriers will also differ, depending upon your county of residence.

AARP Medicare Advantage Choice Plan 2 – $395 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $395 for the first four days. Office visit copays are $10 and $50 with $90 and $30-$40 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $20-$100 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $40 and $30.

Occupational, physical, and speech and language therapy copays are $40 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $3 (Tier 1), $14 (Tier 2), $47 (Tier 3),  $100 (Tier 4), and 25% (tier 5).

AARP Medicare Advantage Choice – $150 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $280 for the first 6 days. Office visit copays are $0 and $35 with $90 and $30-$40 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $20-$110 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $15 copay. Outpatient mental health individual and group therapy copays are $40 and $30.

Occupational, physical, and speech and language therapy copays are $35 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $3 (Tier 1), $12 (Tier 2), $47 (Tier 3),  $100 (Tier 4), and 30% (tier 5).

AARP Medicare Advantage Focus – $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $280 for the first 6 days. Office visit copays are $0 and $25 with $90 and $30-$40 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $20-$75 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $7 copay. Outpatient mental health individual and group therapy copays are $15-25.

Occupational, physical, and speech and language therapy copays are $25  per visit. The ambulance copay is $265. 30-day supply cost-sharing copays are $3 (Tier 1), $12 (Tier 2), $47 (Tier 3),  $100 (Tier 4), and 33% (tier 5).

AARP Medicare Advantage – $0 deductible with $4,900 maximum out-of-pocket expenses. Inpatient hospital copay of $280 for the first 6 days. Office visit copays are $0 and $35 with $90 and $30-$40 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$100 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $15 copay. Outpatient mental health individual and group therapy copays are $15-25.

Occupational, physical, and speech and language therapy copays are $35 per visit. The ambulance copay is $175. 30-day supply cost-sharing copays are $3 (Tier 1), $10 (Tier 2), $45 (Tier 3),  $95 (Tier 4), and 33% (tier 5).

 

AdventHealth SunSaver Plan – $0 deductible with $5,500 maximum out-of-pocket expenses. Inpatient hospital copay of $200 for the first 8 days. Office visit copays are $0 and $35 with $80 and $35 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $35-$200 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $35 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $20 per visit. The ambulance copay is $225. 30-day supply cost-sharing copays are $2 (Tier 1), $5 (Tier 2), $45 (Tier 3),  $90 (Tier 4), and 33% (tier 5).

Aetna Medicare Premier –  $0 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $395 per day for the first 4 days. Office visit copays are $15 and $50 with $90 and $15-$50 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $50-$125 coinsurance, while lab services are subject to a $2 copay, and outpatient x-rays are subject to a $15 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $40 per visit. The ambulance copay is $260. 30-day supply cost-sharing copays are $0 (Tier 1),  $0 (Tier 2),  $47 (Tier 3), and $100 (tier 4).

Aetna Medicare Premier Plus –  $0 deductible with $5,500 maximum out-of-pocket expenses. Inpatient hospital copay of $295 per day for the first 4 days. Office visit copays are $0 and $35 with $90 and $0-$35 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$50 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0- $15 copay. Outpatient mental health individual and group therapy copays are $30.

Occupational, physical, and speech and language therapy copays are $35 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $0 (Tier 1),  $0 (Tier 2),  $47 (Tier 3), and $100 (tier 4).

Aetna Medicare Choice  – $195 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $350 for the first 4 days. Office visit copays are $0 and $40 with $90 and $0-$50 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$200 coinsurance, while lab services are subject to a $0-$125 copay, and outpatient x-rays are subject to a $10 copay. Outpatient mental health individual and group therapy copays are $40 and $30.

Occupational, physical, and speech and language therapy copays are $35 per visit. The ambulance copay is $225. 30-day supply cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $47 (Tier 3),  $100 (Tier 4), and 29% (tier 5).

Aetna Medicare Select  – $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $95 for the first 7 days. Office visit copays are $0 and $15 with $120 and $10 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$150 coinsurance, while lab services are subject to a $0-$60 copay, and outpatient x-rays are subject to a $0-$150 copay. Outpatient mental health individual and group therapy copays are $15 and $20.

Occupational, physical, and speech and language therapy copays are $20 per visit. The ambulance copay is $200. 30-day supply cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $35 (Tier 3),  $90 (Tier 4), and 33% (tier 5).

Aetna Medicare Value  – $0 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $325 for the first 5 days. Office visit copays are $25 and $45 with $90 and $50 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $25-$250 coinsurance, while lab services are subject to a $50-$150 copay, and outpatient x-rays are subject to a $50-$250 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $40 per visit. The ambulance copay is $290. 30-day supply cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $35 (Tier 3),  $90 (Tier 4), and 33% (tier 5).

Allwell Medicare –  $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $90 per day for the first 7 days. Office visit copays are $0 and $0 with $120 and $0  ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$100 coinsurance, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $0- $50 copay. Outpatient mental health individual and group therapy copays are $30.

Occupational, physical, and speech and language therapy copays are $35 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $0 (Tier 1),  $0 (Tier 2),  $0 (Tier 3), and $45 (tier 4).

Ascend Plus By Ultimate –  $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $95 per day for the first 7 days. Office visit copays are $0 and $20 with $100 and $10  ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$150 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $10 and $20.

Occupational, physical, and speech and language therapy copays are $20 per visit. The ambulance copay is $150. 30-day supply cost-sharing copays are $0 (Tier 1),  $8 (Tier 2),  $30 (Tier 3), and $70 (tier 4).

BlueMedicare Classic–  $0 deductible with $3,900 maximum out-of-pocket expenses. Inpatient hospital copay of $150 per day for the first 6 days. Office visit copays are $0 and $20 with $90 and $0  ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$100 coinsurance, while lab services are subject to a $0-$30 copay, and outpatient x-rays are subject to a $10- $100 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $10-$40 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $0 (Tier 1),  $0 (Tier 2),  $35 (Tier 3), and $93 (tier 4).

BayCarePlus Complete–  $0 deductible with $3,700 maximum out-of-pocket expenses. Inpatient hospital copay of $195 per day for the first 6 days. Office visit copays are $0 and $35 with $90 and $35  ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$90 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $30 and $35.

Occupational, physical, and speech and language therapy copays are $35 per visit. The ambulance copay is $200. 30-day supply cost-sharing copays are $0 (Tier 1),  $4 (Tier 2),  $35 (Tier 3), and $85 (tier 4).

BayCarePlus Rewards–  $0 deductible with $5,300 maximum out-of-pocket expenses. Inpatient hospital copay of $250 per day for the first 6 days. Office visit copays are $0 and $45 with $90 and $35  ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$125 coinsurance, while lab services are subject to a $6 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $35 and $40.

Occupational, physical, and speech and language therapy copays are $40 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $0 (Tier 1),  $10 (Tier 2),  $47 (Tier 3), and $100 (tier 4).

BlueMedicare Premier–  $0 deductible with $2,000 maximum out-of-pocket expenses. Inpatient hospital copay of $0. Office visit copays are $0 and $0 with $80 and $0 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$25 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $15.

Occupational, physical, and speech and language therapy copays are $0 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $0 (Tier 1),  $0 (Tier 2),  $0 (Tier 3), and $50 (tier 4).

BlueMedicare Saver–  $0 deductible with $6,700 maximum out-of-pocket expenses. Inpatient hospital copay of $275 for first 7 days. Office visit copays are $0-$10 and $35-$45 with $90 and $25-$50 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$250 coinsurance, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $50-$150 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $0 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $0 (Tier 1),  $0 (Tier 2),  $25 (Tier 3), and $50 (tier 4).

BlueMedicare Value–  $0 deductible with $4,500 maximum out-of-pocket expenses. Inpatient hospital copay of $275 for first 7 days. Office visit copays are $0-$10 and $35-$45 with $90 and $0-$50 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$150 coinsurance, while lab services are subject to a $0-$40 copay, and outpatient x-rays are subject to a $15-$150 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $40 per visit. The ambulance copay is $250. 30-day supply cost-sharing copays are $2 (Tier 1),  $10 (Tier 2),  $47 (Tier 3), and $100 (tier 4).

Bright Advantage–  $0 deductible with $4,700 maximum out-of-pocket expenses. Inpatient hospital copay of $250 for first 5 days. Office visit copays are $0 and $25 with $90 and $35 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $25-$125 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $15 and $25.

Occupational, physical, and speech and language therapy copays are $5 per visit. The ambulance copay is $200. 30-day supply cost-sharing copays are $0 (Tier 1),  $8 (Tier 2),  $47 (Tier 3), and $100 (tier 4).

Bright Advantage Flex–  $0 deductible with $5,100 maximum out-of-pocket expenses. Inpatient hospital copay of $295 for first 5 days. Office visit copays are $0 and $30 with $90 and $35 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $25-$125 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $30 and $40.

Occupational, physical, and speech and language therapy copays are $30 per visit. The ambulance copay is $200. 30-day supply cost-sharing copays are $0 (Tier 1),  $8 (Tier 2),  $47 (Tier 3), and $100 (tier 4).

Humana Gold Plus  – $0 deductible with $2,500 maximum out-of-pocket expenses. Inpatient hospital copay of $350 for the first 4 days. Office visit copays are $0 and $5 with $120 and $0-$5 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$200 coinsurance, while lab services are subject to a $0-$125 copay, and outpatient x-rays are subject to a $0-$25 copay. Outpatient mental health individual and group therapy copays are $5.

Occupational, physical, and speech and language therapy copays are $5-$25 per visit. The ambulance copay is $0. 30-day supply cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $20 (Tier 3),  $85 (Tier 4), and 33% (tier 5).

Humana Choice Florida  – $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $250 for the first 4 days. Office visit copays are $0 and $35 with $120 and $0-$65 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$250 coinsurance, while lab services are subject to a $0-$15 copay, and outpatient x-rays are subject to a $0-$35 copay. Outpatient mental health individual and group therapy copays are $35-$65.

Occupational, physical, and speech and language therapy copays are $5-$25 per visit. The ambulance copay is $0. 30-day supply cost-sharing copays are $2 (Tier 1), $12 (Tier 2), $47 (Tier 3),  $100 (Tier 4), and 30% (tier 5).

Optimum Gold Rewards Plan  – $0 deductible with $2,500 maximum out-of-pocket expenses. Inpatient hospital copay of $150 for the first 7 days. Office visit copays are $0 and $20 with $75 and $10 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$200 coinsurance, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $0-$200 copay. Outpatient mental health individual and group therapy copays are $20.

Occupational, physical, and speech and language therapy copays are $5-$25 per visit. The ambulance copay is $0. 30-day supply cost-sharing copays are $0 (Tier 1),  $35 (Tier 3),  $85 (Tier 4), and 33% (tier 5).

Optimum Platinum Plan  – $0 deductible with $1,500 maximum out-of-pocket expenses. Inpatient hospital copay of $0. Office visit copays are $0 and $5 with $75 and $10 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$200 coinsurance, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $0-$200 copay. Outpatient mental health individual and group therapy copays are $5.

Occupational, physical, and speech and language therapy copays are $5-$25 per visit. The ambulance copay is $0. 30-day supply cost-sharing copays are $0 (Tier 1),  $10 (Tier 3),  $65 (Tier 4), and 33% (tier 5).

Optimum Gold Plus Plan  – $0 deductible with $2,500 maximum out-of-pocket expenses. Inpatient hospital copay of $150 per day for the first 7 days. Office visit copays are $0 and $20 with $75 and $10 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$150 coinsurance, while lab services are subject to a $0-$50 copay, and outpatient x-rays are subject to a $0-$150 copay. Outpatient mental health individual and group therapy copays are $20.

Occupational, physical, and speech and language therapy copays are $20 per visit. The ambulance copay is $150. 30-day supply cost-sharing copays are $0 (Tier 1),  $20 (Tier 2),  $60 (Tier 3), and 33% (tier 4).

WellCare Premier  – $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $275 per day for the first 6 days. Office visit copays are $0 and $35 with $120 and $30 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$100 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $20 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $20 per visit. The ambulance copay is $150. 30-day supply cost-sharing copays are $0 (Tier 1),  $5 (Tier 2),  $47 (Tier 3), and $100 (tier 4).

WellCare Elite  – $0 deductible with $3,400 maximum out-of-pocket expenses. Inpatient hospital copay of $150 per day for the first 7 days. Office visit copays are $0 and $15 with $120 and $25 ER and Urgent Care visit copays. Diagnostic tests, procedures, and radiology services are subject to $0-$150 coinsurance, while lab services are subject to a $0 copay, and outpatient x-rays are subject to a $0 copay. Outpatient mental health individual and group therapy copays are $40.

Occupational, physical, and speech and language therapy copays are $20 per visit. The ambulance copay is $150. 30-day supply cost-sharing copays are $0 (Tier 1),  $0 (Tier 2),  $35 (Tier 3), and $75 (tier 4).

 

Counties With The Most Available MA Plans

83 – Broward County

82 – Hillsborough County

81 – Pinellas County

79 – Miami-Dade County

79 – Seminole County

79 – Orange County

79 – Palm Beach County

76 – Pasco County

76 – Polk County

75 – Osceola County

 

Florida Part D Prescription Drug Plans

For 2021, 28 plans are available (17 EA plans and 11 AE, DS, and BA plans). Four $0 deductible plans are offered (SilverScript Plus, WellCare Medicare Rx Value Plus, AARP MedicareRx Preferred, and BlueMedicare Complete Rx) and 25% of all plans cost less than $25 per month. The average monthly cost for all plans is $47.28 with 19 plans increasing rates this year and seven plans decreasing rates.

 

AARP MedicareRx Saver Plus – $445 deductible with $3 and $24 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $117 and Tier 4 coinsurance is 40%. Monthly rate is $54.20. Summary Star Rating is 3.5 and 59,504 state residents are enrolled in the plan.

AARP MedicareRx Walgreens – $445 deductible with $0 and $18 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $120 and Tier 4 coinsurance is 40%. Monthly rate is $35.40. Summary Star Rating is 3.5 and 89,976 state residents are enrolled in the plan.

AARP MedicareRx Preferred – $0 deductible with $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $120 and Tier 4 coinsurance is 40%. Monthly rate is $88.70. Summary Star Rating is 3.5 and 195,379 state residents are enrolled in the plan.

BlueMedicare Complete Rx– $0 deductible with $9 and $30 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $120 and Tier 4 coinsurance is $279. Monthly rate is $172.00. Summary Star Rating is 3.0 and 7,148 state residents are enrolled in the plan.

BlueMedicare Premier Rx– $405 deductible with $0 and $33 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $141 and Tier 4 coinsurance is 50%. Monthly rate is $73.70. Summary Star Rating is 3.0 and 53,470 state residents are enrolled in the plan.

Cigna Secure Rx – $445 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $126 and Tier 4 coinsurance is 50%. Monthly rate is $30.50.

Cigna Secure-Extra Rx – $100 deductible with $0 and $20 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $126 and Tier 4 coinsurance is 50%. Monthly rate is $58.80.

Cigna Secure-Essential Rx – $445 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 coinsurance is 18% and Tier 4 coinsurance is 46%. Monthly rate is $24.00.

Express Scripts Medicare Saver – $285 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $105. Monthly rate is $27.20.

Express Scripts Medicare Value – $445 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $90. Monthly rate is $26.80.

Express Scripts Medicare Choice – $100 deductible with $0 and $4 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $126. Monthly rate is $84.30

 

Humana Walmart Value Rx – $435 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 coinsurance is $141 and Tier 4 coinsurance is 35%. Monthly rate is $13.20.

Humana Premier Rx Plan – $435 deductible with $15 and $30 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 coinsurance is $116 and Tier 4 coinsurance is 44%. Monthly rate is $58.00.

Humana Basic Rx Plan – $435 deductible with $0 and $0 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 coinsurance is 15% and Tier 4 coinsurance is 30%. Monthly rate is $40.00.

Mutual Of Omaha Rx Value – $435 deductible with $0 and $6 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 coinsurance is $75. Monthly rate is $25.80.

Mutual Of Omaha Rx Plus – $435 deductible with $0 and $30 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 coinsurance is $126. Monthly rate is $55.80.

SilverScript Choice – $250 deductible with $0 and $3 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $141 and Tier 4 coinsurance is 38%. Monthly rate is $25.20.

SilverScript Plus – $0 deductible with $0 and $6 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay (90-day) is $141 and Tier 4 coinsurance is 50%. Monthly rate is $78.80.

WellCare Classic – $435 deductible with $0 and $5 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $75 and Tier 4 coinsurance is 45%. Monthly rate is $25.90.

WellCare Wellness Rx – $435 deductible with $0 and $15 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $105 and Tier 4 coinsurance is 46%. Monthly rate is $13.20.

WellCare Value Script – $435 deductible with $0 and $17.50 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $107.50 and Tier 4 coinsurance is 47%. Monthly rate is $15.10.

WellCare Medicare Rx Select– $435 deductible with $0 and $7.50 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $117.50 and Tier 4 coinsurance is 42%. Monthly rate is $21.90.

WellCare Medicare Rx Saver– $435 deductible with $0 and $5 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $70 and Tier 4 coinsurance is 37%. Monthly rate is $46.30.

WellCare Medicare Rx Value Plus– $0 deductible with $0 and $10 copays for 90-day mail order Tier 1 and Tier 2 drugs. Tier 3 copay is $117.50 and Tier 4 coinsurance is 47%. Monthly rate is $21.90.

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.