Medical Plan Options
There is more to a medical plan than your per paycheck deductions.
Consider which services are covered before you meet your deductible, how you pay for care with each plan, the most you will pay in a year for your health services (maximum out-of-pocket) and your eligibility for a tax-free health savings account.
Click the corresponding header for details about each plan.
Florida Blue Programs
Visit the Florida Blue website to learn about:
AT HOME COVID TESTING
Federal Government Tests
The White House announced Friday, January 14, 2022 a new website https://www.covidtests.gov/ will be accepting orders beginning January 19, 2022 for free rapid tests shipped to American’s homes. White House Announcement
Employer Reimbursement Tests
On Monday, January 10, 2022 the White House announced that starting Saturday, January 15th, health plans will be required to reimburse health plan covered members for at home COVID tests purchased on or after January 15, 2022.
After careful consideration, members of the Lake County Schools medical insurance will use the reimbursement option through Florida Blue to comply with the Federal testing mandate.
Members may contact Florida Blue for the reimbursement forms and rules regarding where employee’s may purchase the tests.
Helpful insurance terms
Copay – a flat fee you pay whenever you use certain medical services, like a doctor visit.
Deductible – the amount you pay in a calendar year (January - December) before your medical insurance begins paying deductible-eligible claims.
Coinsurance – the percentage of covered medical expenses you continue to pay after you’ve met your deductible and before you reach your out of pocket maximum for the benefit year.
Out of pocket maximum – the most you will pay during the calendar year for covered expenses. This includes copays, deductibles, coinsurance, and prescription drugs.
Balance billing – the amount you are billed by out-of network providers to make up the difference between the amount they charge and what insurance reimburses. This amount is in addition to, and does not count toward your out of pocket maximum.
Benefit year - September through August each year.