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. 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.
Miami Individual and Group health insurance has always been a national monument to excessive fraud and graft. 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. This 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!
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.
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 a county plan, please call us at East Coast Health Insurance so we might recommend a different plan to you.
Miami Health Insurance Premium and Pricing Comparison
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 if you are a single parent with more than one child.
AvMed in Miami Health Insurance
AvMed is a not-for-profit health insurance company based in South Florida, and provides a variety of plans for often higher rates than the major for-profit companies with which you are most familiar. AvMed in Miami for our sample 40-year-old married clients starts at $548 for their Easy 2500 HMO plan. This plan includes primary care office visits for a $30 copay and specialist visits for $50. Though they may not be competing very intensely with other companies by offering the lowest premiums, AvMed offers a good product and a solid network. Health insurance plans from AvMed are well structured and we would recommend them to anyone.
Cigna in Miami Health Insurance
Cigna is a relatively 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, their network is not quite as strong as some other competitors. 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.
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, Cigna, 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, find your current plan and compare it to the others I mentioned in the article above.
Miami Health Insurance Sample Quote
For a better concept of the Miami health insurance market at the present time, a sample quote was made for a 40-year-0ld married couple living in area code 33015. This is a presumably healthy pair of Miami residents, and we have chosen the $2,000 – $2,500 deductible range for an optimum selection of benefits and reasonable pricing.
Through running this quote, you can see United Health One is in the leading spot for the lowest premium at $310, though you sacrifice the convenience of first dollar benefits, as doctor’s office visits are not covered. Moving on to plans that do contain such coverage, Humana One offers the next most affordable plan for these clients, an HMO, at $394 per month with primary care at $35 per office visit.
Other plans that are very close in price include Cigna, with a plan that covers 80% after deductible for $398 per month for a PPO plan with $40 office visits and a very high rating among plan members. Miami residents are fortunate to be able to have access to so many individual HMO plans, as most HMOs are available through the workplace. These plans offer immediate benefits, convenient cost-sharing, and better rates than the PPO – though options for out-of-network are restricted. Prescriptions are also a first-dollar benefit for members of an HMO plan.
Coventry One has a Copay HMO plan for a monthly rate of $433 for a $2,500 individual deductible ($7,500 for the couple), with $35 doctor’s office visits. This plan also has pharmacy, dental and vision benefits, and covers 100% of major medical costs after meeting the deductible. Coventry One has great coverage throughout the Miami-Dade region, so this is a very sensible plan option for those looking to save money in the long run.
This example is using an effective date of 08/2012, and is only applicable to the specifics we have provided for this particular couple. To view pricing that is relevant to you and your age range, family size and region, get a personalized quote. If you would like more explanation or to see more plans, please call East Coast Health Insurance at 888 803 5917.
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