In July of 2009, Blue Cross Blue Shield of Florida created a Miami health insurance plan focused on providing quality health care to the over 60,000 uninsured residents in Miami-Dade County. This is a PPO network and the providers were selected from existing in-network providers for Blue Cross Blue Shield. This solution was designed to provide health care coverage for premiums that were realistic for small businesses, families and individuals that operate and live within the county. The plan is easy to use and was developed with an eye towards saving the employers and their employees on the important services needed to maintain good health.
These services include preventative care and regularly scheduled doctor's visits for children and adults alike. For adults, there are screening procedures such as mammograms covered and for children, vaccinations. Hospitalization, surgery and the associated services are taken care of so that in an emergency, you can focus on your family, rather than the expense. It has been proven that that dental health can affect an individuals overall health. As a result, Miami health insurance has the added benefit of routine dental care. Check ups, cleaning, x-rays, and fillings are only a few of the procedures covered.
Miami health insurance adds value without loading on additional costs. These value-add items include prescription drug cost estimators, eyeglasses and the availability of a 24/7 nurse line for advice. In many cases, this can save the trip and expense of an emergency room or urgent care visit. When it comes to medical care, it is never a question of ýifý itýs a question of when. That is why this plan, named Miami-Dade Blue, makes it easy to see the doctor when needed. Although going out of network is allowed, co-payments for generic prescriptions and out of pocket expenses for hospitalization are the lowest when using in-network providers.
Certain lab tests are 100% covered when using in-network providers. A certain amount of the cost for routine visits to the doctor and general dentist is also covered. For small businesses to provide this Miami health insurance plan, they must contribute at least 50% of the premium and 75% of their employees must participate. Eligible beneficiaries range from newborns to individuals up to and including the age of 64, as long as they are not eligible for any public health insurance plans. Quality care provides peace of mind, and with Blue Cross Blue Shield, you know it is coverage you can trust.