Insurance terms and their meaning:
a. Insurance Premium: Insurance Premium is the fixed amount charged by the insurer for the coverage that is provided to you. This amount is fixed and will change at the time of policy renewal and or change.
b. Deductible: Deductible is the amount agreed to by the insured (the Patient) which the patient has to pay at first before the insurance company will start paying any amounts. Please keep in mind that the insurance company will continue to charge you the premiums even though they are not paying any of the claims. Sometimes the co insurance applies after the deductible is met.
c. Co Insurance: Some insurance contracts do not have a deductible, and may have a co Insurance that the patient has to pay, for example if your policy calls for a 20% Co insurance the insurance company will pay 80% of the claim and the balance 20% will be the patients responsibility.
d. CoPay: This is a fixed amount the patient has to pay each time the patient sees a doctor, please note that the Co pays are different for Primary care Physician, A Specialist Physician, An Urgent Care Clinic, An Emergency room visit, and for prescription medicines.
e. Maximum Out of Pocket: This is the sum total of the patient responsibility each year which resets on December 31st. This may include the Deductible, Copays, Co Insurance.
We Accept most of the major insurances, here are a few of them.
2. Blue Cross Blue shield Of Florida, all PPO and Medicare Advantage Plans,
(Except Blue Select from the market place)
3. United Health Care All Plans Except Focus HMO Plan.
4. Ambetter from Sunshine Health.
5. All Well by Sunshine Health.
6. Oscar Health Insurance
7. New York State Insurance Fund
In case your insurance company is not listed, please call us at (727) 943 9080 and we will be happy to assist you.