The County offers three Consumer Driven type Health plans (CDH). Consumer Driven Health (CDH) plan designs are designed to encourage and empower individuals to be more informed about their health and health care options and become actively involved in making their own healthcare decisions. The County’s CDH plans also help employees save money for future health expenses through a County-funded Health Reimbursement Account.
2013 Health Plan Rates (PDF)
OPEN ACCESS
All of the County’s health plans are Open Access which means members do not select a Primary Care Physician (PCP) and NO referral is needed in order to see most network specialists. Members are encouraged (but not required) to see a primary care or family medicine physician for routine care. Physicians listed under the Primary Care and Family Medicine category in Humana’s directory have a lower copay/cost that physicians listed as a Specialist. Because it is not required that you obtain a referral to see a specialist, it is recommended you keep your primary/family physician up to date on any specialty care received so that all your personal health care information resides in one location.
EXCLUSIONS AND LIMITATIONS
All health plans have specific Exclusions and Limitations. It is recommended that you review the list of Exclusions and Limitations available online at humana.com/browardbocc.
HUMANA’S SERVICE AREA
Based on the employee’s address on file in the payroll system, the employee can enroll in the CDH health plans as follows:
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Employee address on file with the County is in a Florida County covered by Humana's Florida HMO Premier Network: Alachua, Baker, Bradford, Broward, Charlotte, Citrus, Clay, Collier, Columbia, Dixie, Duval, Flagler, Gilchrist, Hernando, Hillsborough, Indian River, Lake, Lee, Levy, Manatee, Marion, Martin, Miami-Dade, Nassau, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Union, Volusia |
CDH High Plan
CDH Low Plan |
HUMANA's Florida HMO Premier Network
No Out-of-Network coverage except for a true medical emergency |
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CDH with Out-of-Network |
HUMANA’s National POS Network
Services received outside of network subject the annual deductible and co-insurance |
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Employee address on file with the County is outside of Humana's Florida HMO Premier Network service area |
CDH with Out-of-Network |
HUMANA’s Florida Network
Services received outside of the National POS Network are subject to the annual deductible and co-insurance |
STUDENT PASSPORT PROGRAM
The Student Passport Program allows full-time students going to school outside of the Florida HMO Premier network to access Humana’s National POS Network based on the location of their educational institution, college, university, vocational or secondary school. Students aged 19-30 can enroll in the Student Passport Program by completing a Student Passport Program Application and submitting it along with formal proof of January 2013 enrollment (schedule, registration, letter from Registrar, etc.). The Student Passport Application can be found below or on the BC-Net under the Forms link.
SURVIVOR BENEFITS
All of the health insurance plans offer a 12-month Survivor Benefit for employees enrolled in a County health plan. Under this benefit, dependents continue to be covered, at no charge, under the same insurance plan they were enrolled in at the time of the employee’s death for a period up to 12 months. During this 12-month period, a dependent must continue to meet eligibility requirements per the conditions set forth for this benefit. This 12-month Survivor Benefit is counted toward the period of COBRA or Domestic Partner Continuation Coverage for which the Survivor and/or dependents would be eligible.
If a plan is no longer offered, or if the survivor changes plans during open enrollment or due to a qualifying event, the survivor benefit will end and coverage may be continued under another plan at the full COBRA rate in effect at that time.
SUMMARY OF BENEFITS AND COVERAGE
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