Family Health Choice is an affordable, flexible health plan that connects you directly to medical providers for everyday care. We make it simple to get quality healthcare without the confusion of traditional insurance — with clear pricing, low co-pays, and no hidden fees.

No. Family Health Choice is not insurance. We are a Florida-licensed Prepaid Health Clinic (PHC) and Discount Plan Organization (DPO) that provides members with direct access to healthcare services and discounted rates through participating providers.

A Prepaid Health Clinic is a licensed health plan authorized by the State of Florida to arrange medical services for its members. These plans operate on a managed-care model, connecting members to a trusted network of credentialed providers and specialists to help maintain good health at affordable rates.

A Discount Plan Organization offers members access to healthcare providers who have agreed to provide services at discounted rates. Members pay a low monthly fee for access and pay providers directly at the reduced rates when they receive care.

Our Hospital Medical Advocacy Program helps members manage large or unexpected hospital bills. Advocates work directly with hospitals and providers to negotiate lower out-of-pocket costs and may assist with financial assistance applications or settlement offers when applicable.

The Easy Drug Card is a prescription discount program that helps members save money on medications at participating pharmacies. You can use it at major chains and local pharmacies to access discounted drug prices instantly.

This program leverages the power of mail order for chronic / long term medications and encourages the participant to use retail pharmacies for acute care / short term medications. The program includes a total of 800+ medications available at a $0 cost and has medications in most major therapeutic drug categories.  

Everyone is welcome. There are no restrictions based on immigration status, Social Security number, or preexisting conditions. If you live in Florida and want affordable, reliable healthcare access, you qualify.

You can enroll online through our Enroll Now

 page or contact one of our licensed Sales Representatives for assistance. Enrollment is quick and only takes a few minutes.

Your plan becomes active as soon as your transaction is complete. You can schedule and visit a doctor the same day you become active.

For Health Plan Members (PHC): 

Yes, you must select your Primary Care Physician during enrollment. You can always change your PCP later if you prefer a different provider in the network.

For Discount Plan Members (DPO)

No. Discount Plan Members do not need to select a Primary Care Physician.

No. You have direct access to specialists in your plan. Simply schedule an appointment with your chosen provider — no referral required.

Yes, but they’re minimal and transparent:

• $15 for Primary Care visits
• $30 for Specialists
• $0 for Telemedicine (in most plans)

Your specific copay depends on your plan type and chosen benefits.

Yes, but they’re minimal and transparent:

• $40 to $60 for Primary Care visits
• $60 to $120 for Specialists

No. Family Health Choice plans have no deductibles, no claim forms, and no surprise bills. What you see is what you pay.

Through CostCareRx, members who choose to include prescriptions in their plan have access to more than 800 medications at $0 cost through participating pharmacies. Additional prescriptions are available at discounted rates with the Easy Drug Card.

Yes. Most Family Health Choice plans include preventive dental and vision benefits, such as cleanings, exams, and basic eyewear discounts. You can also add enhanced options during enrollment.

Log into your Member Portal and click “Find a Medical Provider.” You’ll be able to search by specialty, location, or provider name within our credentialed network.

Once enrolled, log into your Member Portal to access and download your digital Member ID card. You can print it or show it on your phone when visiting a provider.

As soon as your transaction clears. Once your plan is active, you can schedule an appointment the same day with any participating provider.

Our Member Services Team is here to help. Call or email us anytime with questions about payments, providers, or your coverage.

Yes. You can make changes or cancel at any time by contacting Member Services. Changes typically take effect at the start of your next billing cycle.

You can reach us by phone, email, or through our Contact Us Page. Our team is available to help you Monday–Friday during regular business hours.