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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.

	BlueOptions 504	Blue Cross Blue Shield of Florida Plan 598	BlueOptions 621
	Change Column One Plan to BlueOptions 570 BlueOptions 571 BlueOptions 573 BlueOptions 503 BlueOptions 504 BlueOptions 505 BlueOptions 621 BlueOptions 623 BlueOptions 625 BlueOptions 510 BlueOptions 511 BlueOptions 512 BlueOptions 513 BlueOptions 661 BlueOptions 663 BlueOptions 627 BlueOptions 595 BlueOptions 596 BlueOptions 597 BlueOptions 598 MyBasic 581 MyBasic 582 BlueOptions TIP Plan 562/30 Days BlueOptions TIP Plan 562/60 Days BlueOptions TIP Plan 562/90 Days BlueOptions TIP Plan 562/180 Days BlueOptions TIP Plan 563/30 Days BlueOptions TIP Plan 563/60 Days BlueOptions TIP Plan 563/90 Days BlueOptions TIP Plan 563/180 Days GoBlue Plan 90 GoBlue Plan 91 BlueSelect 205 BlueSelect 213 BlueSelect 116 BlueSelect 117 BlueSelect 152 BlueSelect 181 BlueOptions 641 BlueOptions 643 Change Column Two to BlueOptions 570 BlueOptions 571 BlueOptions 573 BlueOptions 503 BlueOptions 504 BlueOptions 505 BlueOptions 621 BlueOptions 623 BlueOptions 625 BlueOptions 510 BlueOptions 511 BlueOptions 512 BlueOptions 513 BlueOptions 661 BlueOptions 663 BlueOptions 627 BlueOptions 595 BlueOptions 596 BlueOptions 597 BlueOptions 598 MyBasic 581 MyBasic 582 BlueOptions TIP Plan 562/30 Days BlueOptions TIP Plan 562/60 Days BlueOptions TIP Plan 562/90 Days BlueOptions TIP Plan 562/180 Days BlueOptions TIP Plan 563/30 Days BlueOptions TIP Plan 563/60 Days BlueOptions TIP Plan 563/90 Days BlueOptions TIP Plan 563/180 Days GoBlue Plan 90 GoBlue Plan 91 BlueSelect 205 BlueSelect 213 BlueSelect 116 BlueSelect 117 BlueSelect 152 BlueSelect 181 BlueOptions 641 BlueOptions 643 Change Column Three to BlueOptions 570 BlueOptions 571 BlueOptions 573 BlueOptions 503 BlueOptions 504 BlueOptions 505 BlueOptions 621 BlueOptions 623 BlueOptions 625 BlueOptions 510 BlueOptions 511 BlueOptions 512 BlueOptions 513 BlueOptions 661 BlueOptions 663 BlueOptions 627 BlueOptions 595 BlueOptions 596 BlueOptions 597 BlueOptions 598 MyBasic 581 MyBasic 582 BlueOptions TIP Plan 562/30 Days BlueOptions TIP Plan 562/60 Days BlueOptions TIP Plan 562/90 Days BlueOptions TIP Plan 562/180 Days BlueOptions TIP Plan 563/30 Days BlueOptions TIP Plan 563/60 Days BlueOptions TIP Plan 563/90 Days BlueOptions TIP Plan 563/180 Days GoBlue Plan 90 GoBlue Plan 91 BlueSelect 205 BlueSelect 213 BlueSelect 116 BlueSelect 117 BlueSelect 152 BlueSelect 181 BlueOptions 641 BlueOptions 643
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

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