As an eligible Miami-Dade County employee, you may choose from five different medical plans:

•AvMed Point of Service (POS) - (AvMed encourages but does not require
the selection of a primary care physician (PCP). No referrals are required to
receive covered medical services from participating specialists)
• AvMed High Option HMO (AvMed encourages but does not require the
selection of a primary care physician. No referrals are required to receive
covered medical services from participating specialists)
• AvMed Low HMO (Employees are required to select a PCP for each person
to be enrolled. Referrals, from the PCP, are required to receive covered
medical services from participating specialists)
• JMH High Option HMO (JMH encourages but does not require the selection of a primary care physician. No referrals are required to receive covered medical services from participating specialists)
• JMH Low Option HMO (Employees are required to select a PCP for each person to be enrolled and referrals are required to receive covered medical
services from participating specialists)

A Point of Service (POS) plan allows you to receive services from an innetwork or out-of-network provider of your choice. If you choose an out-ofnetwork physician, your healthcare services will be subject to the plan
deductible and co-insurance provisions.
A Health Maintenance Organization (HMO) provides a wide range of healthcare services to you on a prepaid basis. Under this plan, you receive medical services at no cost or for moderate co-payments without deductibles or claim forms.
Union Plan: Members of the DCFF fire union may be eligible for coverage in their Union-sponsored plan. Contact your Union office for further details.