As of today there are two new plans for Miami residents including the new Miami Dade Blue plan and the new Cover Florida plan. Both are available right now and both are usually for more extreme cases of either medical necessity or income necessity. The plans both have shortcomings including a possible smaller network or limited benefits but usually not both which is good news. East Coast Health Insurance which offers all health insurance companies and currently sells both plans will find the best plan for your situation whether it is a state, county, or private health insurance plan. Both new plans are described below.
In Miami today there are two new PPO plans which are subsidized by the state of Florida and Miami Dade County they have been released to help cover the Florida residents that either don’t qualify for the normal medical insurance due to medical conditions or are unable to afford health insurance. Florida’s Miami-Dade County and several health insurance companies including United, Health Care, Medica Health Plan, and Blue Cross will be offering the new low-cost health plan, aimed at helping the estimated 600,000 uninsured county residents, the Miami Herald reports. The plan — which costs taxpayers nothing — is a traditional PPO, with no pre-approvals or referrals and will cost a healthy 35-year-old male about $100 per month.The plan choices include a $250 deductible and will cover 90% of in-network hospital costs and 100% of fees for in-network lab tests after the deductible is met. The copayment for generic drugs is $10 per prescription; the plan will not offer coverage for brand-name prescriptions.
The plan is being offered to individuals younger than age 65 and to small employers with up to 50 workers. Businesses will be guaranteed coverage if 70% of employees take part in the plan and the owner pays at least 50% of the premiums; however, individuals with costly pre-existing health conditions likely will be denied coverage. The plan has an annual out-of-pocket limit of $2,500 and a lifetime benefit of $5 million.
Cover Florida allows insurers to create innovative health insurance products that are affordable and guaranteed to Floridians who have been without insurance for at least six months, or who are recently unemployed – even if there are pre-existing health conditions. The coverage is voluntary for both individuals and for employers, and employees can even take their coverage with them if they change jobs.
Cover Florida gives uninsured Floridians the opportunity to take charge of their own preventive health care. Cover Florida benefit options include a robust set of benefits, such as coverage for preventive services, screenings, and office visits, as well as office surgery, urgent care, prescription drugs, durable medical equipment, and diabetic supplies.
No tax dollars were required to create the Cover Florida health insurance plans. Instead, six private insurance companies have partnered with the State of Florida to offer affordable health insurance coverage. If you have gone without insurance for at least six months – or have recently lost your employer-sponsored insurance – I encourage you to learn more about Cover Florida. It may be exactly the health insurance you have been looking for. Please call East Coast Health Insurance for all the latest news on both plans.
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Sound like a very good plan..is it affordable?