Health Insurance

Everyone knows that Florida is a great place to call your home and more Florida residents have access to health care coverage through the recently passed Affordable Healthcare Act.  These changes have made health care plans available to more Americans but few know exactly how it works.  At the Kite Insurance Agency we are committed to providing all the facts so that you can make the most informed decision when it comes to health care coverage in the Pensacola area.

When it comes to making the right decision about health insurance it is very important to know your options and with the uncertain future of the Affordable Care Act, private health insurance is still a great option.  

Health insurance, just like many other types of insurance, has different levels of coverage depending on your risk and how much you are willing to pay.  The trick is finding the right balance for you. There are two major types of Florida health insurance, a PPO and an HMO.  

A PPO is a type of coverage that normally has lower monthly payments with a higher deductible.  With a PPO you may receive care from any doctor or health provider and the cost of care is lower when you use the PPO network providers.  This type of coverage is great for healthier or younger people who do not need health care as frequently.

There are different levels of PPO coverage options depending on how much you are willing to spend monthly versus how much you will pay in the event of a health care expense.  

An HMO is a type of coverage that typically has a higher monthly payment but lower costs in the event of a health care expense.  An HMO plan includes a network of providers which the policy holder is given access to.  With an HMO plan you will pay the entire cost of care if you receive it from a non-network provider except in a health emergency.  

There are also different levels of HMO coverage plans.  The monthly payment is lower if there is a higher deductible just like the PPO plans, however in general you have a lower deductible with an HMO than a PPO plan.  

Both PPO and HMO plans include 100% of costs for preventative care like physical exams and other periodic screenings can help detect illness or health risks early.  

It is very important to find the right health care coverage for you.  At Kite Insurance Agency, we specialize in health care plans in Pensacola, Pace, Milton and the entire Florida Panhandle.

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