Florida
HMO plans are available in Dade, Broward, Palm Beach. Martin and St. Lucie
counties only. Plans include dental and vision with complete optional
maternity coverage
HMO
(Health
Maintenance Organization)
plans are not as widespread in Florida as they
are in other states. Coverage is limited to Southeast Florida.
Do
not dismiss HMO coverage. If you are looking for the single copayment
for everything without any hidden extras, this type of coverage could
work well for you.
HMO plans in Florida differ from PPO
plans in the following ways:
1. You must use the HMO's doctors and
facilities. Medical care outside the system is not covered (with the
exception of life and death emergencies).
2.
An HMO uses a Primary Care Physician (PCP) as the physician you see
for all of your health care needs. The PCP will decide if specialty
care is required and make the necessary referrals. In most plans a pediatrician
can be a child's PCP and at least one visit to the gynecologist is permitted
without a referral.
3.
The insured pays a single co-pay for an office visit. This co-pay will
cover all care at that visit. There are generally no hidden or extra
fees for testing or office based procedures.
4.
The plans include dental and vision care.
5.
Emergency room visits are covered with a single co-pay. You do not have
to meet a deductible for the emergency room.
6.
Well-care visits are covered. You simply pay the office visit co-pay.
7.
There are essentially no deductibles. Everything is a co-pay. Although,
there are low-cost or "economy" plans that have a small hospital
deductible in exchange for lower premiums.
8.
Our HMO plan has a complete maternity rider as an option.
If
you have a good primary care physician, Florida HMO plans can be a positive
experience and provide comprehensive care for a relatively low cost.
Certainly, if you are looking to limit your out of pocket costs for
health care, an HMO can provide the answer.
If
you would like a brochure, application and price sheet for what we consider
to be the only viable HMO in South Florida, give us a call.
FLQUOTE.COM - A Full Service Florida
Insurance Broker
Coral Springs, Florida 33076
1-800-272-0512
954-757-0033
We serve the entire state of Florida
from the keys to the panhandle.
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rights reserved.
We are licensed
Florida life and health agents.
