My daughter ,Jane,age 29 ,and her husband John ,age 33,both in excellent health ,will be relocating to the Boca Raton area from New York City in June. Also ,they will have a three month old baby. They are presently insured by GHI in NYC.
Please recommend the most favorable PPO health insurance programs and respective quotes for them; i.e. BCBS,Aetna?, Cigna —$1000–1500 deductible.
I went ahead and generated a rate and benefit analysis and although I’ve attached the various illustrations with the three PPO options (although Aetna is a POS) BCBS did come in the most competetively rated and actually with overall better benefits than the other plans with one exception of course. The only limitation that this plan has is they only cover generic drugs, there is no coverage for name brand drugs. So if that is of importance to your daughter and her family then Cigna Florida Health Insurance Brochures comes in at a close second as far as the rates go and benefits.
Please find the separate document attached with the Plan 597 Brochure From Blue Cross Blue Shield of Florida brochure illustrating all benefit details. Although BCBS does have a stringent underwriting process, since they are in excellent health they should fly through the system and hopefully be approved and issued at the preferred rating.
Please find attached BCBS updated proposal illustrating the two plans that meet the criteria you requested. You’ll notice that Plan 3 does have namebrand coverage, and although Plan 96 does not offer namebrand coverage, the overall benefits one would say are better. It really depends on what plan will be better suited for your family – ultimately both are great plans and I’ve attached both brochures illustrating benefit details for each plan respectively.
Cigna and Aetna do not offer 0% coinsurance plan options, although I did also include below the rate for the Copay Select with United HealthOne for the 1500 deductible plan option and 0% coinsurance which would come out to a total monthly premium of $641.72. However, please note that there is an additional cost to add some optional benefits you may want on the plan. The plan itself has a maximum annual benefit per person for prescription coverage of $3000. In addition, the lifetime maximum benefit is $3 million per individual. The additional cost to eliminate the annual Rx maximum would be $43.94 and in order to increase the lifetime maximum benefit to 5 million it would be an additional $7. Ultimately, the final rate with those two enhancements would be $692.66. I’ve also attached the United Health One Golden Rule Health Insurance Brochure illustrating benefit details for the Copay Select on page 7.
Although you do not have to add these enhancements I wanted to at least illustrate and explain them in so you would be better able to compare to BCBS options.
I found that Ortho Tri-cyclen is a namebrand , tier 3 with aetna which does however have a generic form (norgestimate/ethinyl estradiul which would cost around $20-$40 without insurance or covered at the generic copay.
I also verified that BCBS, Aetna, and Cigna all have accesible networks in New York. I believe Cigna is the most competetively rated with BCBS coming in second considering the 9.1$ rate adjustment. For instance the Open Access 1000 with Cigna is $550; the most comparable plan to that one with BCBSF would be the Plan 4 that although showing $528 premium it would actually be $576.04 with the additional $48.04 (9.1% rate adjustment).
You will find Cigna rates on page 2 of their proposal with respective benefit details illustrated on pages 5&6; I attached the benefit details separately for Plans 4 and 97 with Blue Cross Blue Shield and just in case the benefit details for Aetna’s POS Open Access 1500 plan – although they are not coming in competetively rated.
Please note that your son needs to be 6 weeks if we apply him with BCBS.
