Large Group Benefits and RatesGroup Health Plans
HMO Plans
- Low out-of-pocket costs
- Over 550 Providers and Contract Facilities in Volusia and Flagler Counties
- World wide coverage for Emergency and Urgent Care
- No paperwork or claim forms
Traditional HMO Plans focus on wellness and preventive care. We encourage members to seek medical treatment early, before potential health problems become severe. Simply choose to receive services from our growing network of over 550 Providers and Contract Facilities. With co-pays as low as $10 for Primary Care Visits and no charge for X-ray and laboratory services, you get superior coverage with low out of pocket costs. By paying a fixed monthly premium regardless of how much medical care you receive, you can easily control health care expenses. Florida Health Care Plans provides world wide coverage for Emergency and Urgent Care as well as Direct Access (no referral necessary) for Chiropractic, Dermatology, Optometry, Gynecology, Smoking Cessation and Weight Management Programs. With HMO coverage there are no deductibles or percentages, paperwork or claim forms. We keep it simple. All Florida Health Care Plans are available with Prescription Drug Coverage.
Balance Plans
- Lower premiums
- Fixed co-pays for office visits
- Combinations of co-payments and co-insurance
- Optional deductible amounts
Florida Health Care Balance Plans offer our traditional coverage with lower monthly premiums. By combining fixed co-pays as low as $20 for office visits, deductibles as low as $0 annually and co-insurance on other services. Balance Plans offer the peace of mind of knowing exactly what your next visit to a primary care physician or specialist will cost. In addition, monthly expenses can be reduced even more by choosing alternate deductible amounts.
High Deductible Plans
- Lower cost alternative for employee benefits
- Fixed co-pays for preventive care
- HSA and HRA qualified plans
- Tax advantages for employers and employees
High Deductible Plans offer maximum control over healthcare expenses at the lowest cost. By assuming a higher level of cost sharing and being directly involved in health care decision making, members can make careful and informed decisions about their medical spending. Being better informed about actual health care costs allows you to save money for health care expenses in future years, or in some plans for retirement. When combined with a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA), account balances can carry over from year to year providing tax advantages for employers and employees. High Deductible Plans are an excellent lower cost alternative for business owners offering employee health coverage.
Point of Service Rider
- Freedom of choice
- No referrals necessary
- Fixed co-pays for in-network services
- Add to HMO, Balance, or High Deductible plans
Point of Service coverage allows you to maximize your freedom of choice. With this rider, you can select from over 550 Providers and Contract Facilities for in-network services, taking advantage of fixed co-pay amounts for office visits, lower deductibles and less co-insurance. You may also decide to self-refer using a healthcare provider outside the FHCP Network, the choice is yours. Point of Service coverage can be added to any of our HMO, Balance, or High Deductible Plans.
Triple Option Rider
- Control your out-of-pocket expenses
- Fixed co-pays for in-network office visits
- Over 400,000 providers nationally at the Option 2 level
Triple Option coverage is designed to compliment Florida Health Care’s HMO Plans. With the Triple Option Rider, you have complete control of your out-of-pocket expenses for healthcare. The amount you pay is determined by your choice of provider. You may choose to receive care from any provider in Florida Health Care’s HMO Participating Provider Network (Option 1). You may also self-refer to any provider listed as a Florida Health Care Option 2 Provider which includes over 400,000 providers locally and nationally. At this level you will be responsible for co-pays or a deductible and co-insurance. Triple Option also gives you the freedom to receive care from a non-participating physician, facility, or hospital (Option 3).
