The New Miami Dade Blue Cross plan from Blue Cross Blue Shield has splashed onto the South Beach scene as if it has been here all along. It seems that East Coast Health Insurance is the only health insurance brokerage that even sells it, but that is besides the point. The plan is certainly better then the other Miami Health Insurance plans in the same price range including the Cigna Open Access 5000 which has a deductible of 5000 and coinsurance of 5000 for a total exposure PER YEAR of $10,000. Not to mention the plan is 30% more money per month. Of course the network is going to be significantly better with the Cigna plan but who cares? You are going to be paying for all your Miami medical expenses anyways.
Many people call us and fill out forms at our Miami Dade Blue website and end up not buying it because it of the network and the fact that the plan only pays $50 towards office visits per year. I can’t stress how ridiculous this is to me! Who cares! You are saving more then that every month on premiums so that you can afford the extra $30 at the doctors office. Not to mention that the other health insurance plans in Miami don’t even cover office visit procedures like the Miami Dade Blue plan does. This plan is amazing for the fact that you will be 100% covered for anything with Blue Cross Blue Shield and you will also save a ton of money on your current health insurance. It seems that all people care about is how much am I going to pay at the doctor? Focus on the task at hand people. You don’t need health insurance in Miami to pay your primary care physician, you need in case god forbid you need a more serious thing than a prescription for antibiotics.
If you want a plan that covers your office visits and so forth 100% after your copay, then please sign up with Vista or Cigna or whatever you like. I will make much more money per application, not to mention that I won’t have to deal with the Blue Cross Blue Shield broker services department which I don’t even think exists. This company though for all of its fault is indeed carrying through on its promise to offer residents of Miami comprehensive and affordable health insurance. Now all you need to do is accept it.
