Orlando & Orange County, Florida Health Insurance Companies
Orlando Health Insurance Sample Quote
As an introduction to health insurance in Orlando, we have created a quote for a married couple, aged 40, living in area code 32801. These sample clients requested a deductible in the range of $2,000 – $2,500 to keep their annual cost reasonable and premiums equally manageable. For a pair, we discovered that United Health One’s Saver 80 plan has the lowest premium, though we usually recommend a product with more immediate benefits. Most people like having the option of being able to see a primary care physician or a specialist before spending the entirety of their deductible, so we tend to accommodate.
The lowest premium in Orlando for this couple at a $2,500 deductible is the Open Access Value plan from Cigna at $320 per month.This plan has receive great reviews from its members, and includes PCP visits for a $40 copay and specialist visits for $60, and generic prescription coverage before meeting the deductible. There is a $500 pharmacy deductible to meet in order to receive brand name and non-formulary drugs, which is one of the more reasonable routes to take – or just stick to generics. Cigna’s Florida network includes over 60,000 doctors and more than 260 hospitals, so it may not be United, but you’ll be well equipped in a health emergency.
Speaking of United, the next best deal is a PPO plan from UnitedHealthOne, which would cover this couple for $321 per month and give them access to a large network of doctors and facilities, with a $40 non-specialist office visit copay. The Florida and nationwide network for UnitedHealthcare is the largest in the state and the U.S., so we highly recommend a UHO plan. HumanaOne offers their Enhanced Copay 80 plan for this Orlando pair for $434/month. This point-of-service plan covers 80% of major medical costs after meeting the deductible, and you can see the PCP of your choice for a $35 copay per visit. Point-of-service plans are similar to PPOs, and connect you to Humana One’s POS network.
POSs are available from Aetna in Orlando, which for a $2,500 deductible will cost a 40-year-old couple $453 monthly. The Health Network Option is a plan only available to Floridians, and creates a great deal of convenience. Aetna has a very sizable network, and these plans cover preventive care, non-preventive office visits, X-ray and lab work, and prescription drugs before meeting the deductible. After you meet the deductible, you pay 25% coinsurance on surgery, hospital stays, and up to 24 chiropractic visits per year.
Each of these figures is based on the age, health status and zip code of the individuals for which we made the quote, so it is essential that you get a quote for yourself to see pricing that applies to you and your family. Compare pricing and various plan types at your leisure by spending a few seconds to fill out a quote. You can also call one of our agents at 888 803 5917 for more information or guidance through the health insurance plans near you.
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