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Medical Plans

You have up to 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 in the State.
  • State Employees' PPO Plan - with medical benefits administered by Blue Cross Blue Shield of Florida and prescription drug benefits administered by Caremark.
  • Traditional HMOs - depending on where you live in the State.

Premium increases are scheduled for December 2008 or May 2009, depending on which plan you have and whether you have Medicare. Please click the link below to find out when your premiums will increase.

Retiree Rate Chart by County (pdf 45.10 kB)

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:

  Health Investor PPO Health Investor HMO State Employees' PPO Traditional HMOs
Your contributions for coverage Lower Higher
Choice of providers Network or not Network only Network or not Network only
Lifetime maximum $2 million/person* Unlimited $2 million/person* Unlimited
Open a Health Savings Account? Yes, if not Medicare-eligible Yes, if not Medicare-eligible No No
Annual deductible Higher Higher Lower None
How you pay for most care Percentage of cost after deductible Percentage of cost after deductible Network: set copayments
Non-network: percentage of cost after deductible 		Set copayments
With family coverage, you must meet the family deductible before anything but preventive care is covered
Preventive care Some physical exams and screenings covered with no deductible; see preventive care details
Annual out-of-pocket maximum (the cap on what you pay for most covered care you receive) Higher Higher Lower Lowest

*Combined benefit under State Employees' PPO and Health Investor PPO while covered as employee, retiree or dependent.