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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.
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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 to understand what
you need to do with regard to Medicare.
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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.
- If you are a Medicare-eligible retiree, your claims are paid
as if you are enrolled in Parts A and B – with Medicare paying
benefits first.
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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.
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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.
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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.
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*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 including Medicare.
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