Plans for Individuals & Families in Florida

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All rates below are shown as cost per month. When you select a plan to “Add to Cart”, you will see a popup message prompting you to select the number of dependents. You will then fill in additional enrollment information during the checkout process.

Dental Plans

Premier PPO High

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This plan is the richest benefit, for an affordable monthly cost. Coverage is through the expansive Premier network and includes an out-of-network benefit. Includes 100% coverage on in-network preventive care with no waiting periods. Plan includes 50% coverage for orthodontia and a high annual maximum.

$54.40

Subscriber

$102.00

Subscriber + 1

$134.30

Subscriber + 2

$166.60

Subscriber + 3

$227.80

Subscriber + 4 or more

	Premier Network	Out of Network
Services
Preventive	100%	100% up to MAC*
Basic	80%	80% up to MAC*
Major	50%	50% up to MAC*
Orthodontics (Children age 7 through 18)	50%	50%
Orthodontic Discount (All members)	Discount Only	No Coverage
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	15 Month Waiting Period
Orthodontics	24 Month Waiting Period
Deductible (applies to Preventive, Basic, and Major services)
Individual	$25
Family Max	$75
Maximums
Major Annual Max	$750
Annual Max per Person	$1,500
Orthodontic Lifetime Max	$1,000
Monthly Rates
Subscriber	$54.40
Subscriber + 1	$102.00
Subscriber + 2	$134.30
Subscriber + 3	$166.60
Subscriber + 4 or more	$227.80
*All Services are subject to EMI Health Maximum Allowable Charge (MAC). When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge (MAC). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Underwritten by Educators Health Plans Life, Accident & Health.

Premier PPO Low

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Similar coverage to the Premier PPO High plan, with a lower monthly payment. Coverage is through the expansive Premier network and includes an out-of-network benefit. Includes 100% coverage on in-network preventive care with no waiting periods. Plan includes a discount on in-network orthodontic care for all covered dependents.

$35.00

Subscriber

$65.80

Subscriber + 1

$86.80

Subscriber + 2

$107.80

Subscriber + 3

$145.60

Subscriber + 4 or more

	Premier Network	Out of Network
Services
Preventive	100%	80% up to MAC*
Basic	60%	50% up to MAC*
Major	50%	40% up to MAC*
Orthodontics	Discount Only	Not Covered
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	18 Month Waiting Period
Orthodontics	Not Applicable
Deductible (applies to Preventive, Basic, and Major services)
Individual	$50
Family Max	$150
Maximums
Major Annual Max	$500
Annual Max per Person	$1,000
Orthodontic Lifetime Max	Not Applicable
Monthly Rates
Subscriber	$35.00
Subscriber + 1	$65.80
Subscriber + 2	$86.80
Subscriber + 3	$107.80
Subscriber + 4 or more	$145.60
*All Services are subject to EMI Health Maximum Allowable Charge (MAC). When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge (MAC). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Underwritten by Educators Health Plans Life, Accident & Health.

Advantage Co-Pay

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The Advantage Co-Pay dental plan gives you peace of mind knowing what your out-of-pocket expense will be before going to any in-network provider. The plan uses a set copay fee schedule for services, and you get 100% coverage on in-network preventive care. Includes a discount on in-network orthodontic care.
Plan Copayment Schedule (PDF)

$28.50

Subscriber

$52.50

Subscriber + 1

$69.00

Subscriber + 2

$87.00

Subscriber + 3

$121.50

Subscriber + 4 or more

	Advantage Network	Out of Network
Services
Preventive	100%	See Co-Pay Schedule
Basic	See Co-Pay Schedule
Major	See Co-Pay Schedule
Orthodontics	Discount Only	No Coverage
Specialist	20% Discount Only (Pediatric - See Co-Pay Schedule)	No Coverage
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	12 Month Waiting Period
Orthodontics	Not Applicable
Deductible (applies to Preventive, Basic, and Major services)
Individual	$25
Family Max	$75
Maximums
Major Annual Max	No Maximum
Annual Max per Person	No Maximum
Orthodontic Lifetime Max	Not Applicable
Monthly Rates
Subscriber	$28.50
Subscriber + 1	$52.50
Subscriber + 2	$69.00
Subscriber + 3	$87.00
Subscriber + 4 or more	$121.50
*All Services are subject to EMI Health Maximum Allowable Charge (MAC). When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge (MAC). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Co-Pays/Claim Payments are subject to change January 1st of each year. Underwritten by Educators Health Plans Life, Accident & Health.

Advantage PPO

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Save on your monthly cost with the smaller Advantage network. Includes out-of-network benefit options. Includes 100% coverage on in-network preventive care with no waiting periods. Plan includes a discount on in-network orthodontic care for all covered dependents.

$24.50

Subscriber

$46.10

Subscriber + 1

$60.80

Subscriber + 2

$75.50

Subscriber + 3

$101.90

Subscriber + 4 or more

	Advantage Network	Out of Network
Services
Preventive	100%	100% up to MAC*
Basic	50%	50% up to MAC*
Major	25%	25% up to MAC*
Orthodontics	Discount Only	Not Covered
Waiting Periods
Preventive	None
Basic	6 Month Waiting Period
Major	12 Month Waiting Period
Orthodontics	Not Applicable
Deductible (applies to Preventive, Basic, and Major services)
Individual	$100
Family Max	$300
Maximums
Major Annual Max	$500
Annual Max per Person	$1,000
Orthodontic Lifetime Max	Not Applicable
Monthly Rates
Subscriber	$24.50
Subscriber + 1	$46.10
Subscriber + 2	$60.80
Subscriber + 3	$75.50
Subscriber + 4 or more	$101.90
*All Services are subject to EMI Health Maximum Allowable Charge (MAC). When using a Non-participating Provider, the insured is responsible for all fees in excess of the Maximum Allowable Charge (MAC). Benefits illustrated are in summary only. Refer to your Dental Policy for a complete description of benefits, limitations and exclusions. Underwritten by Educators Health Plans Life, Accident & Health.

Vision Plans

VSP Plus 10-160

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Get affordability and flexibility, with a rich in-network benefit that allows you to choose from more than 50,000 VSP providers across the nation, as well as an out-of-network benefit. The plan includes a $160 allowance for frames or for permanent and disposable contact lenses in lieu of frames and lenses.

$12.70

Subscriber

$24.80

Subscriber + 1

$39.30

Subscriber + 2 or more

	VSP PLUS 10-160
	In-Network	Out-of-Network
Network	VSP Choice Plus
Well Vision Exam	$10 Co-pay	Up to $65
Lenses (Glass or Plastic)
Single Vision	$10 Co-pay	Up to $30
Lined Bifocal		Up to $50
Lined Trifocal		Up to $65
Lenticular		Up to $100
Lens Options
Progressive (Standard no-line)	$0 Co-pay	Up to $50 (in lieu of Lined Bifocal reimbursement)
Premium progressive options	$95-$105 Co-pay
Custom progressive options	$150-$175 Co-pay
Plastic gradient dye	$17 Co-pay	N/A
Solid plastic dye	$15 Co-pay
Photochromic lenses	$70 SV/$82 Multi
Polycarbonate for adults	$31 SV/$35 Multi
Polycarbonate for child (under 18)	$0 Co-pay
Coatings
Scratch resistant	$17 Co-pay	N/A
Anti-reflective	$41 Co-pay
UV protection	$16 Co-pay
Additional lens enhancements	Up to 25% Discount
Frames
Allowance Based on Retail Pricing	$160 Allowance at any VSP doctor or $90 at Costco, Sam's Club or Walmart	Up to $80
** Additional pairs	Discount only. Up to 20% off Retail	N/A
Elective Contact Lenses In Lieu of Frame & Lenses
Elective contact lens fitting, evaluation services and prescription contact lenses are covered up to plan allowance. 15% discount given off contact lens fitting and evaluation services, excluding materials.	$160 Allowance	Up to $145
Frequency
Exam, Lenses, Frame or Contacts	Every 12 Months
Refractive Surgery
*** LASIK	Up to $500 in Savings	No Coverage
Monthly Rates
Subscriber	$12.70
Subscriber + 1	$24.80
Subscriber + 2 or more	$39.30
Plans are underwritten by Educators Health Plans Life, Accident, and Health. This is a summary of in-network plan benefits. The actual Policy will detail all plan limitat ions and exclusions. 20%discount off unlimited additional pairs of glasses offered through any VSP Choice Providers within 12 months of last covered eye exam. * Discounts average 15-20% off or 5% off a promotional offer for laser surgery, including PRK LASIK, Custom LASIK, and lntraLase3.

VSP Plus 10-130

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This plan is similar to the VSP Plus 10-160 plan, with full access to the VSP provider network, but has a lower monthly rate and includes a $130 allowance for frames or for permanent and disposable contact lenses in lieu of frames and lenses.

$9.00

Subscriber

$17.40

Subscriber + 1

$27.80

Subscriber + 2 or more

	VSP PLUS 10-130
	In-Network	Out-of-Network
Network	VSP Choice Plus
Well Vision Exam	$10 Co-pay	Up to $65
Lenses (Glass or Plastic)
Single Vision	$10 Co-pay	Up to $30
Lined Bifocal		Up to $50
Lined Trifocal		Up to $65
Lenticular		Up to $100
Lens Options
Progressive (Standard no-line)	$0 Co-pay	Up to $50 (in lieu of Lined Bifocal reimbursement)
Premium progressive options	$95-$105 Co-pay
Custom progressive options	$150-$175 Co-pay
Plastic gradient dye	$17 Co-pay	N/A
Solid plastic dye	$15 Co-pay
Photochromic lenses	$70 SV/$82 Multi
Polycarbonate for adults	$31 SV/$35 Multi
Polycarbonate for child (under 18)	$0 Co-pay
Coatings
Scratch resistant	$17 Co-pay	N/A
Anti-reflective	$41 Co-pay
UV protection	$16 Co-pay
Additional lens enhancements	Up to 25% Discount
Frames
Allowance Based on Retail Pricing	$130 Allowance at any VSP doctor or $70 at Costco, Sam's Club or Walmart	Up to $80
** Additional pairs	Discount only. Up to 20% off Retail	N/A
Elective Contact Lenses In Lieu of Frame & Lenses
Elective contact lens fitting, evaluation services and prescription contact lenses are covered up to plan allowance. 15% discount given off contact lens fitting and evaluation services, excluding materials.	$130 Allowance	Up to $115
Frequency
Exam, Lenses, Frame or Contacts	Every 12 Months
Refractive Surgery
*** LASIK	Up to $500 in Savings	No Coverage
Monthly Rates
Subscriber	$9.00
Subscriber + 1	$17.40
Subscriber + 2 or more	$27.80
Plans are underwritten by Educators Health Plans Life, Accident, and Health. This is a summary of in-network plan benefits. The actual Policy will detail all plan limitat ions and exclusions. 20%discount off unlimited additional pairs of glasses offered through any VSP Choice Providers within 12 months of last covered eye exam. * Discounts average 15-20% off or 5% off a promotional offer for laser surgery, including PRK LASIK, Custom LASIK, and lntraLase3.

Telemed

EMI TeleMed

Save time and money by getting quick, easy access to board-certified doctors over the phone anytime, anywhere. Through our partner WellVia, you can get unlimited 24/7/365 virtual consultations on common, non-emergency illnesses. You can even get common prescriptions sent to your local pharmacy!

More TeleMed Info (PDF)

$7.50

Subscriber + any dependents