Affordable Health Insurance Quotes from All Major Reputable Health Insurance Providers

Affordable Health Insurance In Orlando & Orange County, Florida

Orlando Health Insurance Case Study

In this example I use a 34 male and 34 female in this example.  The deductible is a 2500 and/or a maximum of out of pocket of at most $5000.  It is blatantly obvious to me that most affordable plan is absolutely United Health Care in Orlando.  This is surprising as they are not very competitive in South Florida, however in Orlando they are most definitely the price leader.  That being said as they are not domiciled in Florida you might want to also consider Cigna which is often times the most affordable Florida health insurance plan.  Of course we have not considered Blue Cross Blue Shield of Florida yet, and of course we must as they are certainly the most comprehensive plan in Florida.

In Orlando, Blue Cross Blue Shield of Florida is certainly not the most competitive in price but if you look closely at the benefits you will see that they have co-pays for nearly every situation besides in-patient hospitalization which of course applies to the deductible. A good example would be an MRI, in Orlando and Orange County with Aetna, Cigna, Humana, and United the deductible is applied to most testing such as MRI’s, Cat Scans, etc.  If you haven’t met your annual deductible, then you will be paying for these tests until you meet your deductible.  Usually (always with our companies) you will pay the same price for these procedures as these Orlando health insurance companies would.  This is called the contracted rate and is usually 25-60% less than going in without any health insurance at all.  Of course if you are a smooth negotiator you will pay the contracted rate anyways even if you don’t have health insurance.  But most people are not even aware of these subtle Florida health care situations and end up getting stuck with unbelievably high, marked up health care costs.

With Blue Cross Blue Shield of Florida you will only pay a co-pay for these tests, and in fact for many tests like colonoscopies you will actually pay nothing.  Similarly, most outpatient procedures are also covered without a deductible except in rare circumstances which I cannot even think of a concrete example.  Please read some of the benefit summaries attached for more detailed explanations of these health plans.  Also remember that the Blue Cross Blue Shield plans that we are discussing are the 590 series!  So unless you get these plans specifically you could end up with the same plan that United or Cigna offers for example.

And if this is the case as you don’t care about co-pays for everyday testing then by all means pick the cheapest plan period.  This is the Orlando health insurance product that offers the most health insurance coverage for the least amount of money.

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Orlando Blue Cross Blue Shield Health Insurance Plans
Plan Name`	Traditional Insurance Predictable Cost Plan 597 Family physician copayment plan Dental coverage included $15 copay for generic prescription drugs Plan Details >>	Traditional Insurance Predictable Cost Plan 598 Family physician copayment plan Dental coverage included $15 copay for generic prescription drugs Plan Details >>
Health Premium (per month)	$382.00	$298.00
Maternity Coverage	None $106.00 ($1500 Deductible) $72.00 ($2500 Deductible) View Details >>	None $106.00 ($1500 Deductible) $72.00 ($2500 Deductible) View Details >>
Prescription (Rx) Coverage Prescription (Rx) Coverage BlueRx Discounts Program The BlueRx Discounts Program is available with several BlueOptionshealth insurance policies, including some HSA Compatible Plans, allHospital and Surgical Plans and our Temporary Insurance Plans. The BlueRx Discounts Program offers special discounted pricing onGeneric, Brand and Non-Preferred Prescription Drugs when purchased froma participating pharmacy. It’s not an insurance plan, but a discountpharmacy program. Features include: Discounts at the point-of-purchase – no claim forms to fill out Acceptance by over 50,000 pharmacies nationwide Options for mail order prescription discounts BlueScript Pharmacy Program BlueScript is available with most BlueOptions insurance policiesincluding some of our HSA Compatible Plans. The program covers Genericand Brand name prescription drugs and there are no claim forms to fillout. The BlueScript Pharmacy Program is designed to provide access toprescription drugs at an affordable price. You can controlout-of-pocket costs through your choice of prescriptions by asking yourphysician to prescribe Generic Drugs and drugs on the PreferredMedication List. Benefits include: Low copayments and coinsurance for Generic and Brand name prescription drugs No deductibles for Generic prescription drugs and a low deductible for Brand name prescription drugs A three month supply for maintenance drugs is available from participating retail pharmacies	Included	Included
Total Monthly Premium
Cost Sharing Benefits(In-Network)
Plan Name	Plan 597	Plan 598
Individual or Family Calendar Year Deductible (CYD)	$2,500 / $7,500	$3,000 per Individual
Pharmacy Deductible	$0 Deductible	$0 Deductible
Coinsurance (amount you pay)	0%	25%
Out-of-Pocket Maximum (per Individual/per Family)	$2,500 / $7,500	$7,500 / $15,000
Individual or Family Calendar Year Deductible (CYD) for Dental Benefits	$75 / $225	$75 / $225
Other Benefits(In-Network)
Plan Name	Plan 597	Plan 598
Physician Services	Family Physician: $25 copayment Specialist: $45 copayment	Family Physician: $35 copayment Specialist: $50 copayment
Adult Wellness (per calendar year)	Covered without an in-network benefit maximum	Covered without an in-network benefit maximum
Well Child	Family Physician: $25 copayment Specialist: $45 copayment	Family Physician: $35 copayment Specialist: $50 copayment
Urgent Care Centers	$50 copayment	$55 copayment
E-visits	$10 copayment	$10 copayment
Inpatient Hospital Facility Services (per admission)	CYD	CYD plus coinsurance
Outpatient Hospital Facility Services (per visit)	CYD	CYD plus coinsurance
Hospital & ER Physician Services	CYD	CYD plus coinsurance
Emergency Room Facility Services (per visit)	$300 copayment	$300 copayment
Independent Clinical Lab	$0 copayment	$0 copayment
Rx Benefits	Generic drugs only: $10 copayment Mail Order: $25 copayment for Generic drugs only Brand name drugs or Non-Preferred drugs are not covered at Pharmacy or through Mail Order.	Generic drugs only: $10 copayment Mail Order: $25 copayment for Generic drugs only Brand name drugs or Non-Preferred drugs are not covered at Pharmacy or through Mail Order.
Dental Benefits	Preventative: 100% Covered Basic: 80% Covered Major: 0% Covered	Preventative: 100% Covered Basic: 80% Covered Major: 0% Covered
Benefit Maximums(In-Network)
Plan Name	Plan 597	Plan 598
Life Time Maximum (per Individual)	$5,000,000	$5,000,000
Annual Maximum (per Individual)	Not Applicable	Not Applicable
Annual Maximum (per Individual) for Dental Benefits	$750	$750
Individual Mental Health Services (Inpatient and Outpatient per calendar year)	$2,000 inpatient / $600 outpatient / $10,000 lifetime maximum	$2,000 inpatient / $600 outpatient / $10,000 lifetime maximum
Individual Substance Dependency (Inpatient and Outpatient per calendar year)	$2,500 lifetime maximum	$2,500 lifetime maximum

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