Tallahassee & Pensacola, Florida Health Insurance Companies
In the Northeastern part of Florida, there are four main health insurance companies from which to purchase health insurance. These companies are Aetna, Cigna, Celtic, United and Humana, and they each offer a plan for all budget types and have equally high ratings for care. Having a more narrow selection of insurers makes the decision making process slightly easier and more clear-cut for residents of the panhandle. Each of these companies have a trusted network of providers and an ample selection of plans for various prices ranges and coverage needs.
We encourage you to investigate for yourself, and find out how much these plans will cost for you and your family in Northeastern Florida. Fill out a quote online for fast results and a simple comparison between companies (similar to what you see below) and begin the process of researching or buying a health insurance plan. If you have any questions regarding health insurance or the companies we sell, feel free to call Florida’s own East Coast Health Insurance at 888 803 5917 and speak with an experienced broker.
Pensacola Health Insurance Sample Quote
As an example of what the most affordable plans in the Northern Florida region are from each insurer, we ran a health insurance quote in Pensacola for a non-smoking male, aged 34 in the zip code 32501. Throughout the site, we invariably favor the $2500 deductible, as it tends to bring with it the most benefits for the money you spend. We also decided to choose only plans that offer benefits as soon as your plan begins for a copay, such as doctor’s office visits for illness or injury. All plans cover preventive care from your start date, regardless of plan type or cost level. For this Pensacola male resident there are several choices for their dollar, though pricing for females will be a bit different – usually higher.
In this particular case, UnitedHealthOne is the most affordable health insurance company in Pensacola, with a Copay Select Value plan for $136 per month. This PPO plan provides primary care and specialist office visits for a $35 copay, which is rare in most plans and makes this a very desirable and great deal. What makes this plan attain its “value” status is the coverage of generic drugs only, which is a fast-growing trend throughout the health care market in order to encourage people to spend less money. If you would rather pay $15 for a non-brand, and do not require a prescription without a generic counterpart, this is an excellent money saver. The annual out-of-pocket limit is $5,000 with these plans, and after you meet the $2,500 deductible you pay 30% coinsurance for hospital care.
Directly next to this plan in price is Cigna, who also typically gives a fair rate on their products. This particular plan, the Open Access Value, is available to this client at $154 per month with exceptional user reviews. For a little bit more per month, you can receive 80% coverage on major medical services after deductible. Doctor’s office visits are $40 for a PCP and $60 for a specialist, when going in for non-preventive care. Prescriptions are also covered immediately, with access to generic, brand name, and drugs not featured on their formulary for various copays starting at $15. HumanaOne also offers an 80% after deductible plan in this price range at $170 per month with very similar coverage to the previous plan, plus a larger network in the state of Florida.
The next lowest premiums come from Celtic at $171, with an incredibly low priced $15 office visit copay on their Preferred Select PPO. This plans give you 80/20 coverage after deductible, and though the ratings do not reflect complete member satisfaction, it is a solid plan from Celtic. Finally, Aetna’s Open Access Managed Choice PPO plan is $198 per month. These are highly recommended plans, as Aetna is one of Florida’s strongest companies – though not always the cheapest. If you’re up to spending a little bit more, your network will expand and you have a very reliable plan.
Throughout the Northeastern Florida region, numbers are identical for health policies in Pensacola and Tallahassee as they are for the surrounding areas including Panama City, Fort Walton Beach, and even Gainesville, Florida. So regardless of your zip code, these companies carry the same products for the same price. Age and gender will adjust pricing, however, so it is necessary to base your options off of your own personal quote.
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