Health Insurance

Health Insurance

Health Insurance with Florida Blue

BBS Insurance is your local health and life insurance resource agency. The world of health and life insurance can be confusing and difficult to navigate. Serving Vero Beach and all of Florida, BBS Insurance is your local ally to assist you in finding the best options for you and your family.

Medical treatments and life’s inevitable unfortunate realities are becoming more and more costly. Health insurance is there to offset the costs of medical bills and help you avoid being faced with lifelong payments to cover costs. BBS Insurance works exclusively with Florida Blue, the country’s largest single-state provider of individual marketplace plans and one of the most widely accepted throughout Florida. Florida Blue provides a wide range of plans and has a history of tackling critical health inequities among at-risk communities.

Health Insurance Through BBS Insurance

Important Health Insurance Terms

The more educated you are on health insurance, the more effective your time with an agent will be.  Here are some of the most common health insurance terms that will help you to understand your policy more comprehensively.


The amount of money you pay toward medical bills before your insurance coverage begins.


A specified amount of money you pay upfront for doctor visits and prescription refills


the percentage of medical bills you pay after meeting the deductible.

To learn more about health insurance, call BBS Insurance at (772) 299-6116.  We are here for you. No question is too big or small, so call us today for more information.

Types of Health Coverage

Health insurance policies fall into one of four categories for Florida residents:  POS, PPO, EPO, and HMO.

These plans help cover your medical, surgical, and hospital expenses. Some cover dental expenses, mental health services, and prescription drugs, depending on your chosen coverage.

PPOs allow you to pay less for providers in the network. For an additional cost, you can choose doctors, hospitals, and providers inside or outside of the network without a referral.

HMOs require you to use doctors who work for or contract with the HMO. Typically, out-of-network expenses (except in an emergency) will be your responsibility. HMOs often focus on prevention and wellness.

Types of Medicare Coverage

Medicare Supplement Plans, also known as Medicare Gap policies, are secondary to your Medicare plan and have numerous plans to choose from.

Part D plans cover your prescriptions.

Medicare Advantage Policies, also known as Part C plans, incorporate Part A, Part B and Part D and are all included in the plan along with some additional benefits such as Dental, Vision, and OTC benefits.