Blue Options Plan 511
Blue Options Plan 511 is a Predictable Cost Plan developed as part of the Blue Options program by Blue Cross Blue Shield of Florida. These plans are specifically designed to address the growing problem of residents who are uninsured in Florida and facing serious medical debt or bankruptcy because of it. Plan 511, specifically, has better premiums with slightly higher deductibles and copayments to help people who are looking for lower costs on a monthly basis, rather than lower insurance costs out-of-pocket. There are many plans to choose from, but this is one of the best for people who need to pay less now.
Blue Options Plan 511 includes a deductible of $1,500 per person in-network and $1,300 per person out of the network, respectively. In addition, there is no in-network family aggregate and the plan includes an out of pocket maximum of $5,000 per person and $10,000 per family for the calendar year. While these costs are slightly higher than other Blue Options plans, the monthly premiums will be lower than the other plans. Typical coverage includes doctor visits, emergency services and urgent care, well care and preventative treatments, specialist care, mental health, special services, and hospital and surgical expenses.
Understanding the coverage of the Blue Options Plan 511 is not difficult because it is all laid out in an easy-to-read chart that tells you exactly what you get and what is not covered. You will see all the copayments and deductible requirements laid out for you along with the maximum limits and other elements of the policy that are important to know. This plan includes prescription coverage with a $1,500 deductible for brand-name medications and 50% copayment for mail order and pharmacy pickup on all prescriptions after that deductible is met.
Blue Options Plan 511 is one of a handful of Predictable Cost plans developed by BCBS of Florida for consumers who need healthcare coverage but cannot afford a traditional insurance policy. There are many other combinations of deductibles, copayments, and premiums that create the other plans so it is important that you look and see what you can find. Some people have an idea of what they need while others are not sure what they are looking for. If you are one of the people who need assistance, feel free to talk to an agent about the different types of insurance that you can find within the Blue Options family of plans.
