Florida Individual Health Insurance Plans from Avmed

Avmed Individual Health Insurance Rates and Premiums

AvMed Value Plan

AvMed Value Plan allows members to see any AvMed physician. Co-payments, deductibles and coinsurance vary depending on the network selected.  The Avmed Value Plan which is very inexpensive is a great plan for those individual and families that don’t have much medical expenses, or use the doctor anymore than an annual physical.  They offer higher deductibles with limited office visit coverage excluding the annual physical which is covered entirely for a more economical approach to health insurance.    The most popular Avmed Value plan is the 2500 deductible plan which has an annual out of pocket of no more then $4000 per year for an individual and $8000 for a family, adding the deductible to that number (which is the coinsurance maximum) you will arrive at the maximum total out of pocket which is $6500 and $13k for an an individual and a family respectively.

Features:

* Preventive care is not subject to the in-network calendar year deductible (CYD)
* First four visits per family to Primary Care Provider (PCP) require only a co-payment; subsequent visits are subject to your CYD and co-insurance
* Two deductible options
* Members choose in-network or out-of-network benefits
* 30 percent in-network and 50 percent out-of-network co-insurance
* $5 million lifetime maximum

AvMed Plus Plan

With the AvMed Plus Plan members can see any doctor or visit any hospital, anywhere in the United States. Co-payments, deductibles and coinsurance vary depending on the network selected.

Features:

* Preventive care (in-network) is not subject to the calendar year deductible (CYD)
* Visits to in-network PCP and Specialist require only a co-payment
* Several deductible options
* Mental health benefits included
* You choose in-network or out-of-network benefits
* 20 percent in-network and 40 percent out-of-network co-insurance
* $5 million lifetime maximum

AvMed HSA-Qualified

The AvMed HSA-Qualified Plan is a high-deductible health plan (HDHP) that can be paired with a Health Savings Account (HSA). An HSA is a tax-free account that can be used as a long-term savings fund for health care expenses. The AvMed HSA-Qualified plan provides members with lower monthly premiums and access to the doctors and hospitals of their choosing. The AvMed HSA-Qualified Plan puts members in control. Members also have access to AvMed’s easy Online Consumer Tools to help them make informed and cost conscious health care decisions.

Features:

* Preventive care (in-network) is not subject to the calendar year deductible (CYD)
* Visits to PCP and Specialist are subject to a CYD and coinsurance
* Two deductible options
* You choose in-network or out-of-network providers
* Prescription Drugs are included in benefit
* $5 million lifetime maximum

Avmed Plan Comparison

AvMed Value 2,500/5,000

In-Network
Out-of-Network
Calendar Year Deductible (CYD)
Single
$2,500/$5,000
$5,000/$10,000
Family
$5,000/$10,000
$10,000/$20,000
Out-of-Pocket Max
(excludes deductible and co-payments)
Single
$4,000
$8,000
Family
$8,000
$16,000
Coinsurance
30%
50%
Lifetime Max
$5,000,000
$5,000,000
Offce Services
Primary Care Physician
$35 frst 4 visits per family, additional visits
CYD and coinsurance
CYD and coinsurance*
Specialist
CYD and coinsurance
CYD and coinsurance*
Preventive Care ($300 Max Adult Beneft)Co-payments not subject to deductible
CYD and coinsurance*
Mammograms
0%
0%
Emergency Medical Care
Urgent Care Centers
CYD and coinsurance
Same as in-network
Emergency Room
Illness
CYD + $100 + coinsurance
Same as in-network
Injury
CYD and coinsurance
Same as in-network
Prescription Drug Rider
Not available, discount only

Avmed Plus Plan

Calendar Year Deductible (CYD)
Single
$500/$1,000/$2,500/$5,000
$1,000/$2,000/$5,000/$10,000
Family
$1,000/$2,000/$5,000/$10,000
$2,000/$4,000/$10,000/$20,000
Out-of-Pocket Max
(excludes deductible and co-payments)
Single
$2,000
$4,000
Family
$4,000
$8,000
Coinsurance
20%
40%
Lifetime Max
$5,000,000
$5,000,000
Offce Services
Primary Care
Physician
$35
CYD and coinsurance*
Specialist
$50
CYD and coinsurance*
Preventive Care ($300 Max Adult Beneft)Co-payments not subject to deductibleCYD and coinsurance*
Mammograms
0%
0%
Emergency Medical Care
Urgent Care Centers
CYD and coinsurance
Same as in-network
Emergency Room
Illness
CYD + $100 + coinsurance
Same as in-network
Injury
CYD and coinsurance
Same as in-network
Prescription Drug Rider
Several options available