DR. JESSICA B KRAL MD
Accepted Insurance for NPI 1013402601
Pediatrics in Saint Cloud, FL
Accepted Insurance & Health Plans Health Insurance Marketplace
Marketplace plan participation on file for this provider · 2026 plan year
DR. JESSICA B KRAL MD, a pediatrics provider in Saint Cloud, FL, is listed as in-network for 204 health insurance plans from 9 insurance companies, led by Oscar Health Maintenance Organization of Florida, Florida Blue HMO (a BlueCross BlueShield FL company) and Health First Commercial Plans, Inc.. This list is compiled from the CMS Health Insurance Marketplace public use files for the 2026 plan year.
Ambetter Health
Clarity Silver
Complete Gold + Vision + Adult Dental
Complete Gold
Elite Bronze + Vision + Adult Dental
Elite Bronze
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental
Enhanced Diabetes Care Silver with $0 Drug Options
Everyday Bronze + Vision + Adult Dental
Everyday Bronze
Everyday Gold + Vision + Adult Dental
Everyday Gold
Focused Silver + Vision + Adult Dental
Focused Silver
Standard Expanded Bronze + Vision + Adult Dental
Standard Expanded Bronze
Standard Gold + Vision + Adult Dental
Standard Gold
Standard Silver + Vision + Adult Dental
Standard Silver
Thrive Silver
Ambetter of Alabama
Complete Gold + Vision + Adult Dental
Complete Gold
Elite Bronze + Vision + Adult Dental
Elite Bronze
Elite Gold + Vision + Adult Dental
Elite Gold
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental
Enhanced Diabetes Care Silver with $0 Drug Options
Everyday Bronze + Vision + Adult Dental
Everyday Bronze
Focused Silver + Vision + Adult Dental
Focused Silver
Standard Expanded Bronze + Vision + Adult Dental
Standard Expanded Bronze
Standard Gold + Vision + Adult Dental
Standard Gold
Standard Silver + Vision + Adult Dental
Standard Silver
Florida Blue (BlueCross BlueShield FL)
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)
BlueOptions Bronze 24J01-06 (Rewards)
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)
BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)
BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
BlueOptions Silver 24J01-03 ($10 Labs / Rewards)
BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)
BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)
Florida Blue HMO (a BlueCross BlueShield FL company)
BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx)
BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)
BlueCare Bronze 24K01-05 (Rewards)
BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards)
BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards)
BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)
BlueCare Bronze 24K02-18 (Rewards)
BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards)
BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards)
BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards)
BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards)
BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)
BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
BlueCare Silver 24K01-02 ($10 Labs / Rewards)
BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards)
BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards)
BlueCare Silver 24K02-21 ($10 Labs / Rewards)
BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist Visits / Rewards)
Health First Commercial Plans, Inc.
Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)
Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)
Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access)
Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access)
Bronze Standard 1828
Bronze Value 1814 (High Value Network Savings, Open Access)
Bronze Value 1814 + Adult Dental + Adult Vision (High Value Network Savings, Open Access)
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)
Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access)
Gold 1742 + Adult Dental + Adult Vision (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access)
Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access)
Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access)
Gold Standard 1833
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)
Gold Value 1819 + Adult Dental + Adult Vision ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)
Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)
Silver 1664 (Primary Care & Specialist Copays, Open Access)
Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access)
Silver Savings 1821 (Primary Care Copay, Open Access)
Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access)
Silver Standard 1829
Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)
Silver Value 1815 + Adult Dental + Adult Vision ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)
Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)
Molina Healthcare
Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision
Molina Bronze Enhanced 3500 Plus with Adult Vision
Molina Bronze Enhanced 3500
Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision
Molina Bronze Premier with $0 Medical Deductible Plus with Adult Vision
Molina Bronze Premier with $0 Medical Deductible
Molina Bronze Standard
Molina Gold Core 1640 Plus with Adult Dental and Vision
Molina Gold Core 1640 Plus with Adult Vision
Molina Gold Core 1640
Molina Gold Enhanced 895 Plus with Adult Dental and Vision
Molina Gold Enhanced 895 Plus with Adult Vision
Molina Gold Enhanced 895
Molina Gold Standard
Molina Silver Access Plus with Adult Dental and Vision
Molina Silver Access Plus with Adult Vision
Molina Silver Access
Molina Silver Core Plus with Adult Dental and Vision
Molina Silver Core Plus with Adult Vision
Molina Silver Core
Molina Silver Saver with Four Free PCP Visits
Molina Silver Standard
Oscar Health Maintenance Organization of Florida
Bronze Classic 4700 | with AdventHealth
Bronze Classic 4700
Bronze Classic Standard | with AdventHealth
Bronze Classic Standard
Bronze Elite + PCP Saver Plus | with AdventHealth
Bronze Elite + PCP Saver Plus
Bronze Simple Breathe Easy with Enhanced COPD Benefits
Bronze Simple Chronic Care CKM
Bronze Simple Diabetes
Gold Classic Standard | with AdventHealth
Gold Classic Standard
Gold Elite Saver Plus | with AdventHealth
Gold Simple | with AdventHealth
Gold Simple
Silver Classic Standard | with AdventHealth
Silver Classic Standard
Silver Elite | with AdventHealth
Silver Elite
Silver Simple Breathe Easy with Enhanced COPD Benefits
Silver Simple Chronic Care CKM | with AdventHealth
Silver Simple Chronic Care CKM
Silver Simple Diabetes | with AdventHealth
Silver Simple Diabetes
Silver Simple PCP Saver | with AdventHealth
Silver Simple PCP Saver
Silver Simple Women's Health with Menopause Benefits
UnitedHealthcare
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)
UHC Bronze Essential ($0 Virtual Urgent Care)
UHC Bronze Essential- ($0 Virtual Urgent Care)
UHC Bronze Standard+ (Dental + Vision)
UHC Bronze Standard
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)
UHC Gold Standard
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)
UHC Silver Standard+ (Dental + Vision)
UHC Silver Standard-
UHC Silver Standard
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)
Wellpoint
Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
Wellpoint Essential Catastrophic (+ Incentives)
Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
Coverage Questions FAQs
Common questions about this provider’s insurance participation, answered from the CMS Health Insurance Marketplace and Medicare enrollment files.
What insurance does DR. JESSICA B KRAL MD accept?
Marketplace files for the 2026 plan year list DR. JESSICA B KRAL MD as in-network for 204 plans from 9 insurance companies. The largest networks are Oscar Health Maintenance Organization of Florida (26 plans), Florida Blue HMO (a BlueCross BlueShield FL company) (24 plans), Health First Commercial Plans, Inc. (24 plans), followed by 6 more companies. The full list above shows each plan's metal level, network type, and plan IDs.
Is DR. JESSICA B KRAL MD enrolled in Medicare?
The CMS Medicare enrollment files linked to this NPI do not currently show a Medicare assignment or PECOS enrollment indicator. Registry files can lag recent enrollment changes, so verify Medicare participation directly with the practice.
What network types does DR. JESSICA B KRAL MD participate in?
The accepted plans include 122 HMO plans, 24 POS plans, 18 EPO plans and 14 PPO plans. HMO (Health Maintenance Organization) plans cover care from network providers and typically require a primary care referral for specialists. POS (Point of Service) plans combine HMO-style referrals with partial out-of-network coverage. EPO (Exclusive Provider Organization) plans cover network providers only, generally without referral requirements. PPO (Preferred Provider Organization) plans cover out-of-network care at a higher cost and do not require referrals.
Where does this insurance data come from and how current is it?
Plan participation is compiled from the official CMS Health Insurance Marketplace public use files for the 2026 plan year and refreshed as CMS publishes updated files. Networks change during the year, so always verify coverage with the insurance company or the provider's office before scheduling care.
