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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 four types of medical plans. Each option provides services and shares costs with you in a different way.

In addition to using the Medical 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.

	Health Investor PPO	Health Investor HMO	Standard PPO	Traditional HMOs
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	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	Yes	No	No
Have a Reimbursement Account?	Yes, a Limited Purpose Medical Reimbursement Account		Yes, a full Medical Reimbursement Account
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
How you pay for most care	With single coverage, you must meet the individual deductible before anything but preventive care is covered With family coverage, you must meet the family deductible before anything but preventive care is covered			Set copayments
Preventive care	Some physical exams and screenings covered with no deductible; see preventive care details
Annual out-of-pocket coinsurance maximum (the cap on the coinsurance you pay for most covered care)	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.

**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 2008.

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