Today's Choice for Tomorrow's Future

Medical

 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.

BUY-UP PPO
Summary of Benefits
BlueOption 3359 
 
$500 Deductible
 
Appears on your paycheck as:
INS-R 5% BLOPT5
INS-R CHBLOPT 5
INS-R SPBLOPT 5
INS-R FMBLOPT 5
 
BASE PPO   
Summary of Benefits
BlueOption 3559 
 
$750 Deductible
 
Appears on your paycheck as:
INS-R 5% BLOPT7
INS-R CHBLOPT 7
INS-R SPBLOPT 7
INS-R FMBLOPT 7

 

Select PPO
Summary of Benefits
BlueOption 5771
 
$1500 Deductible
 
Appears on your paycheck as:
INS-R SELF INS 5771
INS-R CHILD 577
INS-R SPOU 5771
INS-R FAM 5771
HDHP & HSA 
Summary of Benefits
BlueOption 5180/5181 (formerly 3166/3167)
 
$1500/$3000 DED
 
Appears on your paycheck as:
INS-R 5% HDHI15
INS-R 5% HDHI30
INS-R CHILD HDH
INS-R SPOUSE HD
INS-R FAMILY HD

 

Florida Blue Programs

Visit the Florida Blue website to learn about:   

Group: 49466          www.floridablue.com          1-800-352-2583
 
Find an in-network provider
See how much of your deductible has been met
Order replacement insurance cards
View claim activity
Fitness Center / Gym Membership options
Wellness Programs 
 

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.

 

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Resources

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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.