Medical Plans - Active Employees
You have four types of medical plans to choose from:
- Health Investor PPO - with medical benefits administered by Blue Cross Blue Shield of Florida and prescription drug benefits administered by Caremark.
- Health Investor HMO - depending on where you live or work in the State.
- Standard PPO Plan - with medical benefits administered by Blue Cross Blue Shield of Florida and prescription drug benefits administered by Caremark.
- Standard HMOs - depending on where you live or work in the State.
Each option provides services and shares costs with you in a different way, so taking time to learn about the options can help you decide which plan is the best fit for you. Here's a general look at some key features:
|
Your contributions for coverage (payroll deduction) |
Lower for Career Service employees and University Faculty, Staff and Administrative, and Professional employees* |
Higher for Career Service employees and University Faculty, Staff and Administrative, and Professional employees* |
||
|
Choice of providers |
In and Out of Network** |
Network only |
In and Out of Network** |
Network only |
|
Lifetime maximum |
$2 million/person+ |
Unlimited |
$2 million/person+ |
Unlimited |
|
Open a Health Savings Account? |
Yes |
Yes |
No |
No |
|
Your HSA balance earns interest, carries forward year-to-year and is portable if you leave |
||||
|
Have a Reimbursement Account? |
Yes, a Limited Purpose Medical Reimbursement Account |
Yes, a regular Medical Reimbursement Account |
||
|
Annual deductible (network) |
Higher |
Higher |
Lower |
None |
|
How you pay for most care |
Percentage of cost after deductible |
Percentage of cost after deductible |
Network: set copayments or % of network allowed amount |
Set copayments |
|
With single coverage, you must meet the individual deductible before anything but preventive care is covered |
||||
|
Preventive care |
Some physical exams and screenings covered at 100% with no deductible; see preventive care details |
|||
|
Annual out-of-pocket maximum (network) |
Higher |
Higher |
Lower |
Lowest |
* Individuals in the Spouse Program or in employment classifications eligible for State-paid or university-paid coverage will still make no contribution for their medical coverage.
** You will pay significantly higher out-of-pocket costs when using out-of-network providers.
+ Combined benefit under State Employees' Health Investor and Standard PPO while covered as employee, retiree or dependent.
If you enroll in a Health Investor plan, you may also open a Health Savings Account with contributions from the state, as long as you have no other medical coverage for 2009.
*
