Miami Health Insurance Quote Example

In Miami I am going to use a 40 year old married couple to run our hypothetical premium illustration. In this example, we are using an assumed $2500 deductible and a maximum out of pocket including deductible of $4500 per year. Humana and Coventry are just not even in the equation so lets in fact ignore them until further notice. For illustrative purposes I have included them. Cigna hands down is the best choice in this example.

However, we have not looked at the non-profit Miami health insurance companies yet including Avmed and Blue Cross Blue Shield.

Avmed in Miami at $472 is still very much in the equation, however is still handily beaten by Cigna.

In the winners circle though is our very own Miami Dade Blue for $249. This is the plan I would choose every single time, that being said it is not right for everyone, but if you leave it to me I will try to convince you of this plans merit to my own demise. Miami Dade Blue is the singular perfect plan in that it doesn everything a health insurance plan in Miami or Florida is supposed to. If indeed it covers your office as it does and dental as it also does, then consider it a bonus. But with a deductible of only $250 why I am I even having to explain in further detail?

Assuming you are thickheaded, I am going to keep going with our analysis however. In the case of you not wanting Miami Dade Blue then the next option to square off with the Miami Cigna plan for $405 is plan 598 from Blue Cross Blue Shield illustrated below for $435. This plan is my choice but it is ultimately up to you and there is no right answer as there is with Miami Dade Blue question. Because the Blue Cross Blue Shield of Florida Plan 598 has a higher out of pocket but still covers all labs and diagnostics with a co-pay, it can be said that for someone that is keen on office visits and diagnostic testing and basic procedures, this plan will certainly save you money even with the higher premium than the the Cigna plan with its lower premium and significantly lower annual maximum out of pocket.

Further explanation is necessary to do over the phone or with a consultation as the explanation of plan 598 and 597 which I have also included can get complicated. But assuming you live in Miami please consider Miami Dade Blue first. Secondly, if you cannot digest the plan because of the network, then we can move on to plan 598 or Cigna.

Assuming you don't like those plans or get rated up we will move to United Health Care or our Miami Avmed plan. This example is of course using an effective date of 12/2009 and is not even close to the numbers you will get unless you run a quote for your own demographics and family size. If you would like more explanation or to see more plans (we actually have over 200!) please call us at 888 803 5917 or fill out our Miami health insurance quote page.

From: http://echealthinsurance.com/miami-health-insurance-quote.html