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The New Miami Health Insurance Plans and Miami Health Insurance Quotes
Miami Health Insurance has gone through a significant change of late, especially since 2009 due to the release of new health insurance plans from older health insurance companies like Cigna, Coventry, and Avmed which released individual health insurance products in the beginning of the year, in addition almost every Florida health insurance company came out with new plans like the new Blue Cross Blue Shield of Florida who released their new Miami Dade Blue plans as well as revamping their entire product line this year. And of course Aetna and United Health One also came out with new plans as well, because in Miami Dade county especially things are much different then the rest of the country. So when you get a Miami Health Insurance Quote you are going to have to do a little more shopping then you would with other companies.
If you like HMO’s (and really who doesn’t?) then you should certainly look at the South Florida Vista HMO which is very comprehensive, but a little pricey especially if you have a family. Of course in Miami health insurance like every other kind of insurance is a little more expensive then other places. That’s where the Miami Dade Blue plan would come in. Additionally Blue Cross of Florida is substantially cheaper in Miami-Dade then in Broward County.
Miami Individual and Group health insurance has always been a national monument to excessive fraud and graft. Why do you think Don Johnson is pictured on this page. This of course is like shoplifting, and makes everybody else pay the higher prices. In fact Miami Individual health insurance is among the most expensive in the country because of this and this in turn makes more people just not buy it altogether which makes the people that do buy it pay even higher prices! Couple this with the large amount of illegal immigration in Miami Dade county and its a miracle that the entire city has not slipped into the ocean!
Miami Health Insurance Reform and The Free Health Care Plans for Residents
But of course it hasn’t and many people in Miami are in fact among the best and brightest people in the country as far as intelligence and culture as the city is famous for so many things. And now comes a new thing in Miami called health reform and Joe Martinez and the people at his office pushed this Miami Dade Blue plan and had all of these companies bidding against each other for this contract that of course Blue Cross won, and now people in Miami have no excuse not to get health insurance.
I am proud for once of my elected officials as they really got this thing off the ground in a big way, and the response has been tremendous! We get 10-20 calls a day about the program, and Blue Cross won’t even let us advertise it! But that is another story. So right now everyone should march over to this office and kiss everyone in it for doing such an amazing job with this plan.
Preferred Medical Plan & Jackson Health System
Additionally besides all of these carriers we have Preferred Medical Plan which is a truly awful plan because of one fact…your coinsurance goes on infinitely. This means that you are stuck with 25% of your medical bills which can add up quicker then you think without even being hospitalized. Of course their network isn’t that strong either, but that is not the issue because you can work around that.
For instance the new Miami Dade Blue plan also has a smaller network (of course it has out of network benefits so it is a moot point) but if you try to you can stay in the network for almost 100% of your costs. Additionally East Coast Health Insurance.com sends literally thousands of people per year to county health plans and these plans including the Jackson county hospital plan have even smaller networks then Preferred Medical but as anyone that has been on the county plan will tell you, once you have it, it might be a pain in the neck but you are certainly well covered.
In fact, it might be the best health plan in Florida and its basically free. If I just learned to shut up about it I could have a yacht right now but at our company we have all sworn to send the people of Miami to the proper place even if means no commissions. In fact, in August we are dedicated this month to Miami and giving our time and resources to getting you covered at our own expense.
If you don’t qualify for the Miami Dade Plan please call us at East Coast Health Insurance so we might recommend a different plan to you, and remember not all the companies are in the same quote engine, and we tried to be as helpful as we can but until I am able to learn database programming or I can find someone to code this it will be under development for a while and you will need to run some company quotes by themselves.
Miami Health Insurance Premium and Pricing Comparison and Miami Dade Blue
Currently in Miami the price leader is most certainly the new Miami Dade Blue plan from Blue Cross and Blue Shield of Florida. They usually are the most affordable health premium by 40% and have the best benefits. However, nothing is perfect as the one drawback supposedly is that the plan has a small network. Well, I am telling you that it doesn’t matter as the plan is so benefit rich in out of the network benefits that all Miami-Dade residents can use the plan anywhere in the country with no problem. I would most certainly buy this plan and encourage everyone else to as well to at least look at it. Remember the new Miami Dade Blue plan is part of health reform and we all need to support it and the health cost control program that it represents. The entire economy is being risked right now because of spiraling medical costs.
Aetna In Miami Health Insurance
On to other companies, Aetna’s individual Florida health insurance plan is also very inexpensive in Miami health insurance and benefit rich as due to their plan strengths they are unaffected by the amount of fraud in Miami and can still offer a very affordable plan. Most likely they will be the price leader (excluding Miami Dade Blue) if you are a single parent with more than one child.
Avmed is also very affordable in Miami as they are a South Florida company and have learned to deal with the Miami economic forces as well. They are also a non-profit plan and I encourage everyone to look and compare their plan as well. I personally love the South Florida health insurance plans from Avmed and would recommend them to anyone.
Florida Blue Cross Blue Shield
Blue Cross Blue Shield of Florida also offers traditional plans in Miami such as their Go Blue Plan and their Blue Select and these plans are always strong in every category including pricing, benefits, and network. Certainly consider this plan if you do not want to take my advice and go with the Miami Dade Blue plan for your Miami health insurance plan.
Cigna Is Now Available in Miami Health Insurance
Cigna is a new entrant into the Miami health insurance market, and even though they are affordable in this demographic of Miami health insurance and in many cases are the price leader, we recommend their plan as a backup again to the Miami Blue Cross Blue Shield plans as they are not as strong with either benefits or network. Of course if you are on a tight budget with a large family the Florida Cigna health insurance plan will most likely be your best choice if you refuse to take my advice and go with the new Miami BCBS Florida plan.
Vista Health Plan In Miami Health Insurance HMO’s
My last Miami health insurance plan that I want to discuss is Vista Health Plan which is always the most benefit rich plan in any market that they are in and you will always be happy to have it if you end up with medical issues. Vista health plan is among Miami health insurance plans usually very affordable though seldom the price leader anymore due to the health cost factor getting to be so out of control. I do want to say that Vista health plan, and for that matter all the plans on this page have a very tight profit margin and always try to stay within that margin and can only increase profit by increasing market share. What this means in fact is that they Vista, Blue Cross, etc. are not the reason for the spiraling medical costs it is in fact a by product of you the consumer being totally not cost conscious when getting medical procedures and the hospitals and their administrative costs etc.
United, Humana, and Coventry Are Not Well Priced in Miami
United, Humana, and Coventry are all respectable companies though none of them compete in any demographic if you live in Miami-Dade and if you currently have one of these plans in either a 330 or 331 zip code in Miami then I recommend you try our free get a Miami health insurance quote button and find your current plan and compare it to the others I mentioned in the article above.
Actual Miami Health Insurance Sample Case
In Miami I am going to use a 40 year old married couple to run our hypothetical Aetna premium illustration. In this example, we are using an assumed $2500 deductible and a maximum out of pocket including deductible of $4500 per year. Humana and Coventry are just not even in the equation so lets in fact ignore them until further notice. For illustrative purposes I have included them. Cigna hands down is the best choice in this example.
Avmed in Miami Health Insurance
However, we have not looked at the non-profit Miami health insurance companies yet including Avmed and Blue Cross Blue Shield.
Avmed in Miami at $472 is still very much in the equation, however is still handily beaten by Cigna.
In the winners circle though is our very own Miami Dade Blue for $249. This is the plan I would choose every single time, that being said it is not right for everyone, but if you leave it to me I will try to convince you of this plans merit to my own demise. Miami Dade Blue is the singular perfect plan in that it doesn everything a health insurance plan in Miami or Florida is supposed to. If indeed it covers your office as it does and dental as it also does, then consider it a bonus. But with a deductible of only $250 why I am I even having to explain in further detail?
Assuming you are thickheaded, I am going to keep going with our analysis however. In the case of you not wanting Miami Dade Blue then the next option to square off with the Miami Cigna plan for $405 is plan 598 from Blue Cross Blue Shield illustrated below for $435. This plan is my choice but it is ultimately up to you and there is no right answer as there is with Miami Dade Blue question. Because the Blue Cross Blue Shield of Florida Plan 598 has a higher out of pocket but still covers all labs and diagnostics with a co-pay, it can be said that for someone that is keen on office visits and diagnostic testing and basic procedures, this plan will certainly save you money even with the higher premium than the the Cigna plan with its lower premium and significantly lower annual maximum out of pocket.
Further explanation is necessary to do over the phone or with a consultation as the explanation of plan 598 and 597 which I have also included can get complicated. But assuming you live in Miami please consider Miami Dade Blue first. Secondly, if you cannot digest the plan because of the network, then we can move on to plan 598 or Cigna.
Assuming you don’t like those plans or get rated up we will move to United Health Care or our Miami Avmed plan. This example is of course using an effective date of 12/2009 and is not even close to the numbers you will get unless you run a quote for your own demographics and family size. If you would like more explanation or to see more plans (we actually have over 200!) please call ECHealthInsurance.com at 888 803 5917
Miami Health Insurance Report 40 Year Old Married Couple
Compare Plans
Company Plan Type Deductible Coinsurance Copay Premium 
PPO $2,000 ( I )
$4,000 ( F )20% $25 $405.00
Monthly Cost
Company Plan Type Deductible Coinsurance Copay Premium 
Network $2,500 20% $35 $443.74
Monthly Cost
Company Plan Type Deductible Coinsurance Copay Premium 
PPO $2,500 ( I )
$5,000 ( F )20% $30 $486.00
Monthly Cost
Company Plan Type Deductible Coinsurance Copay Premium 
HMO $2,500 ( I ) 20% $20 $491.57
Monthly Cost
Company Plan Type Deductible Coinsurance Copay Premium 
PPO $2,500 ( I )
$5,000 ( F )20% $35 $577.35
Monthly Cost
Company Plan Type Deductible Coinsurance Copay Premium 
PPO $2,500 ( I )
$5,000 ( F )20% $30 $615.40
Monthly Cost
Plan Name
AM Best Rating: B++
Office Visits – $35 before Deductible Deductible/Out of Pocket – $2500/4500
Monthly Cost $472.47
Plan Details
Traditional Insurance
Predictable Cost
Plan 597 – $561
- Family physician copayment plan
- Dental coverage included
- $15 copay for generic prescription drugs
Traditional Insurance
Predictable Cost
Plan 598 – $435
- Family physician copayment plan
- Dental coverage included
- $15 copay for generic prescription drugs
Partnership
Miami-Dade Blue
Plan 1 $249
- Designed for individuals living and working in Miami-Dade County
- Routine dental care included
- $10 copay for generic prescription drugs
