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Medical

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HMO

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An Ounce of Prevention is Worth a Pound of Cure

Click here to learn more about your Preventive Care options offered through the state Medical Plans.

  

The State of Florida offers comprehensive medical coverage to meet the needs of you and your family through a variety of medical plans – each focused on helping you:

  • Stay healthy, through preventive care benefits and wellness programs.
  • Have access to healthcare services when you need them.

Each option covers most of the same types of medical services, but provides those services and shares costs with you in a different way.

In addition to using the Health Plan Cost Estimator and thinking through some Important Considerations, take some time to review key highlights of the different types of plans below. Click on each plan name to learn more.

If you or your spouse is Medicare eligible, be sure you understand what you need to do.

How the Options Generally Work Your State Options

PPO Options:

  • You may receive care from any doctor or medical provider.
  • Your cost for care is lower when you use the PPO network providers.
  • You have a deductible to meet and then pay part of the cost for the services you receive.

Health Investor PPO

  • Higher deductible (in network: $1,250 per person, $2,500 per family).
  • Lower contributions (payroll deductions) for coverage.*
  • Health Savings Account with contributions from state plus Limited Purpose Medical Reimbursement Account for dental and vision.**

Standard PPO

  • Lower deductible (in network: $250 per person, up to $500 per family).
  • Higher contributions for coverage.*
  • Medical Reimbursement Account.

HMO Options:

  • You pay a copayment when you receive care from network providers.
  • You pay the entire cost if you receive care from a non-network provider, except in a medical emergency.

Health Investor HMO

  • Higher deductible (in network: $1,250 per person, $2,500 per family).
  • You meet deductible, then pay part of the cost for services you receive.
  • Lower contributions for coverage.*
  • Health Savings Account and Limited Purpose Medical Reimbursement Account just like Health Investor PPO.**

Standard HMO

  • No deductible.
  • You generally pay set dollar amount for services you receive (varies by service).
  • Higher contributions for coverage.*
  • Medical Reimbursement Account.

*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.

**As long as you have no other medical coverage outside your state coverage.

The state also makes supplemental hospital, cancer and intensive care insurance available through a variety of vendors.