Tampa Health Insurance

Quote, Compare, Apply and Save

Call 1-888-803-5917 for Live Assistance Now!

View Health Insurance Quotes from Every Major City and County in Florida

aetna health plan florida aetna bcbsfl blue cross blue shield of florida health insuranceavmed florida health insurance plancoventry

cigna florida health insurance quotehumana one florida quotevista health plan insurance in florida hmo open access health quoteunited health one quote

What Plan Should I Buy in Tampa, Hillsborough County

Tampa/Hillsborough County health insurance plans are a little less complicated then South Florida health insurance plans by the simple fact that there is 2 less choices!  There are only 6 health insurance companies in Tampa which makes my job so much simpler.  The six companies are (in no particular order) Aetna, Blue Cross Blue Shield, Cigna, Coventry, Humana, and United Health Care.  Of course there are more then five health insurance companies in Tampa but the other ones are simply not competitive in the best situation with these five companies.  But at worst they are (in 90% of cases) trying to rip you off.

I would not in any situation (unless it is future) buy any health insurance plan in Tampa besides the five companies above.    First up is the first six companies to review.  It seems they are ordered by the least expensive health insurance company to the most expensive.  United Health Care is number one and as a health insurance broker is the company that I have personally.  However, (and this is a big however) United Health Care/ Golden Rule is an association based health insurance company.

As a matter of comparison I used a $2500 deductible and a 34 year old male/female for the sample.  The maximum out of pocket is around $4500 per year which includes Coventry and Humana.  United, Cigna, Aetna, are $5000 out of pocket examples.    Of these five companies I would usually pick the least expensive but Coventry for $8 offers an emergency room copay.

And The Winner for the Most Affordable Health Insurance with The Most Benefits Goes To..

United Health One wins but for my money I would choose Coventry every time in the Orlando health insurance market.

It seems in Tampa that Blue Cross Blue Shield is too expensive which is strange.  Of course this is a specific proposal for a 34 year old married couple.  Your own demographic might be very different.  I have also included the Blue Cross Blue Shield of Florida health insurance plans in Tampa.

Company: East Coast Health Insurance
Phone: 888-803-5917
Fax: 954.571.4143

Compare Plans

Blue Cross Blue Shield of Florida
Name Age Sex Relationship Zip County Smoker
east coast health 34 Years Male Self 33601 HILLSBOROUGH No
caroline health 34 Years Female Spouse 33601 HILLSBOROUGH No


BlueOptions 504 Blue Cross Blue Shield of Florida Plan 598 BlueOptions 621
Monthly Premium



$338.00 $284.00 $236.00


Select Options
Integrated Rx


Not Available Not Available $27.00

Total Monthly Cost:



$338.00 $284.00 $263.00
Calendar Year Deductible (CYD) (per person / family aggregate)


$2,500 / $7,500 $3,000 per Individual $3,000 per Family
Coinsurance (Amount you pay)



0% of the Allowed Amount 25% of the Allowed Amount 0% of the Allowed

Amount

Out-of-Pocket Maximum (per person / family aggregate)



$2,500/ $7,500 $7,500 / $15,000 $3,000 per Family
Calendar Year Deductible (CYD) for Dental Benefits (per person / family aggregate)




Not Available $75 / $225 Not Available
Other Benefits
Physician Services



Family Physician: $35 Copayment Specialist: $50 Copayment Family Physician: $35 copayment Specialist: $50 copayment Family Physician and Specialist: CYD
Well Child




Family Physician: $35 copayment Specialist: $50 copayment Family Physician: $35 copayment Specialist: $50 copayment Family Physician: $0 copayment Specialist: $0 copayment
E-visits


$10 copayment $10 copayment CYD
Urgent Care Centers



$60 copayment $55 copayment CYD
Rx Benefits – Retail






Generic: $10 copay Brand: $300 Brand Deductible + 40% Coinsurance Non-Preferred: 50% Coinsurance Diabetic equipment and supplies covered under pharmacy benefit Generic: $10 Copay Brand: Not covered Non Preferred: Not covered Diabetic equipment and supplies covered under pharmacy benefit $0 after INN CYD Applies to INN OOP Maximum or BlueRx Discounts (Rx discounts at participating pharmacies) Diabetic equipment and supplies covered under pharmacy benefit
Rx Benefits – Mail Order







Mail Order (90 day supply): Generic: $25 Copay Brand: $300 Brand Deductible + $125 Copay Non-Preferred: $300 Brand Deductible + $200 Copay Mail Order (90 day supply): Generic: $25 Copay Brand: Not Covered Non-Preferred: Not Covered Mail Order (90 day supply): $0 after INN CYD
Inpatient Hospital Facility Services (per admission)




Option 1 = CYD Option 2 = CYD Option 1 = CYD + 25% Coinsurance Option 2 = CYD + 25% Coinsurance Option 1 = CYD Option 2 = CYD
Physician Services at Hospital & ER



CYD CYD + 25% Coinsurance CYD
Independent Clinical Lab




$0 $0 CYD
Outpatient Hospital Facility Services (per visit)





Option 1 = CYD Option 2 = CYD Option 1 = CYD + 25% Coinsurance Option 2 = CYD + 25% Coinsurance Option 1 = CYD Option 2 = CYD
Dental Benefits



Not Available Preventative: 100% Covered/Basic: 80% covered/ Major: Not Covered Not Available
Emergency Room Facility Services (per Visit)




CYD $300 Copayment (waived if admitted) CYD

Share this Post