Many are looking to Florida Blue High Deductible Plans in an effort to find affordable health insurance coverage for themselves or their family. Florida Blue health insurance offers different types of health insurance plans with different deductible options. Nobody can predict the future, and that is one good argument for purchasing coverage in the first place. If you knew that you, your spouse, and your children would each only need to visit the doctor once in the next twelve months for a routine checkup, you might decide you could just pay a few hundred dollars for the office visits and tests out of your own pocket, and you might save a lot of money.
A Florida Blue high deductible plan can be a great hybrid between no coverage and coverage you can not afford. Nobody has any way to know if a serious accident or illness will generate thousands of dollars worth of bills. One trip to an emergency room can cost a few thousand dollars, and a hospital stay can easily cost tens of thousands of dollars. What you might be able to predict is how much money you can comfortably afford to pay out of your own pocket for medical expenses in a given year. If you balance that figure against the cost of premiums, you can decide if a high deductible plan or low deductible health insurance plan might be a cheaper option.
Compare Florida Blue High Deductible Plans For You and Your Family
At Secure Health Options, our mission is to find the right coverage at the right price for each individual client. Feel free to use our free online health insurance quotes at any time. You only need to supply your ZIP code to get started. You are also welcome to call us with your questions about high deductible plans, and our experienced Florida health insurance agents are here to help.
What Are Florida Blue High Deductible Plans?
Deductibles are the amount of money you have to pay for covered services before your medical policy will start picking up part of the tab. With health insurance, most deductibles are yearly. In some cases, different types of services might have different deductibles. Additionally, you may have per-visit copays for some services instead of deductibles. A high deductible plan is simply a plan with a higher amount you pay up front than the average health plan.
Florida Blue High Deductible Plans Vs. Catastrophic
As the name implies, catastrophic health insurance is meant to cover serious medical issues, but it is not meant to cover minor ones. Consider some good reasons for purchasing a high deductible plan:
- If you got hurt in a serious car accident or needed cancer treatments, you would probably be relieved to know that you have Florida Blue health insurance, so you can easily access good medical treatment and avoid financial ruin.
- However, if you just need to stop by the clinic and purchase a generic antibiotic because of a mild ear infection, you can probably afford to pay for it out of your own pocket.
- If you purchase a Florida Blue high deductible plan, you are likely to save quite a bit on your monthly premiums over low deductible health insurance.
- Even if you have not met your deductible yet, you should be able to take advantage of in-network discounts, so doctor’s visits and prescriptions should be cheaper.
Florida Blue High Deductible Plan Types
We can offer you a selection of high deductible plan types to protect you from large medical expenses and fit most budgets. These plans can offer you a very good value for the price:
- Blue Care HMO: This plan utilizes a network of medical service providers like doctors and hospitals to help members save money. Members almost always have to use network providers to get services covered.
- Blue Select PPO: You still save the most money if you visit network doctors, but you are free to get services outside of the network if you don’t mind higher out-of-pocket costs.
- HSA plans: You purchase major medical insurance with a high deductible, and you also set up a health savings account, or HSA, to help pay for smaller medical expenses while receiving a tax deduction for contributions.
Finding Affordable Florida Blue High Deductible Plans?
A Blue Care HMO, Blue Select PPO, or HSA plans can all be affordable options that will provide you with good coverage and save money on monthly premiums. You can use our free online health insurance quotes to compare high deductible health plans and prices from the comfort of your own home or office computer.