UPDATED: Nov 30, 2018
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About Capital Health Plan
Capital Health Plan was founded in Tallahassee, Florida in 1982 by a group of local leaders looking to provide residents with an affordable and accessible health plan. Today the plan serves more than 135,000 members in seven counties: Calhoun, Franklin, Gadsden, Jefferson, Leon, Liberty, and Wakulla.
Capital uses the BCBS shield name and license but operates as an independent company. They run two Capital Health Plan (CHP) Health Centers to serve their members exclusively with a broad array of specialties. Their network across all counties includes more than 450 providers.
Capital’s major medical health plans are aimed at employers looking for group coverage as well as state employees for whom they provide coverage. They also write several Medicare Advantage plans.
Capital Health Plan Medicare Advantage
All of Capital’s Medicare Advantage plans are HMO plans, with two offered to the general public and two Retiree Advantage plans offered either through private employers or through the State of Florida to its employees.
The Advantage Plus plan has no deductible and copays of $10 for primary care and $40 for specialist visits. Inpatient hospital visits have a copay of $250 per day for the first five days. This plan includes dental, vision, and hearing coverage as well as prescriptions. Tier 1 drugs start at a $3 copay.
The Preferred Advantage plan also has no deductible, and copays are $10 for primary care and $25 for specialist visits. Inpatient hospital stays have a flat fee of $300 per admission, with no copay until day six at which point there is a $100 per day copay through day ten. Dental, vision, and hearing are also included, and again prescription drug coverage starts at $3 for Tier 1 drugs.
The remaining two plans are only available through an employer. These Retiree Advantage plans can be offered either through a private company or the State of Florida, but they cannot be purchased by individuals. The plans appear to be the same as those offered in the individual market, however.
The rates are listed on the Summary of Benefits and appear to be the same across all counties. Advantage Plus has a monthly premium of $34, and Preferred Advantage costs $96 a month. These are on top of your regular Medicare premiums.
Capital does not offer a $0 premium plan option, which is somewhat unusual for an HMO health plan. Since these rates are limited to a small geographical area, it is difficult to compare them to other companies. They are only comparable to other Florida insurers covering the same region.
CHP’s Medicare plans are all HMO, which means a limited selection of providers through which claims billing is handled directly. This is how most health insurance companies operate, therefore the lack of claims information on the website is not surprising.
There is an easy to access forms section of the website that includes a few reimbursement forms for Medicare, but members can expect that most claims will be handled without the need for action on their part.
Ratings and Consumer Reviews
Strangely, the Better Business Bureau (BBB) page for Capital Health Plan states that the company is not rated because they have been in business for less than six months. The last time we reviewed this company, we were unable to find a BBB record at all. There are no complaints or reviews with the BBB.
The National Committee for Quality Assurance gives Capital’s Medicare plans an overall 4.5 star rating out of five, which is excellent but down from the 5.0 rating the company had the last time we checked. Still, it is among the best-rated in the state.
The official 2018 rating from Medicare for Capital Health is 4.5 stars, which again is excellent and has been maintained from our last review.
There is not much out there in terms of customer reviews of this health plan. That is likely due to the fact that they are a regional insurer, but also points to a good reputation since a lack of complaints is usually positive.
The Bottom Line
Capital Health Plan is a good choice if you don’t mind the limits of an HMO and aren’t looking for a long list of plans to choose from. They have a very good reputation based on trusted consumer surveys, and they have maintained high rankings for many years. If you’re in their service area and looking for Medicare Advantage, CHP is worth comparing to your other options.
For a list of companies that we recommend, visit our Best Insurance Companies page.