Medical Insurance

Watson Clinic accepts Medicare assignment of benefits for traditional and supplemental Medicare along with many Medicare Advantage plans. The clinic is also contracted with most commercial medical insurance plans including HMO’s and PPO’s.  

Below is a list of currently contracted and accepted insurance plans. Patients are responsible for all applicable copays, co-insurance, deductibles and costs for any non-covered services you receive on the day of service. Please understand that we cannot waive patient balances.
 
Your insurer or employer may be making changes to your coverage in 2021. Please contact them to verify our participation with your plan.


    Participating Insurance Plans

    Medicare & Medicare Advantage Plans:

    Traditional Medicare and all Medicare Supplement Plans
        

      Aetna
    • Aetna Medicare Eagle PPO
    • Aetna Medicare Premier PPO
    • Aetna Medicare Premier Plus PPO
    • Aetna Medicare Choice HMO-POS
    • Aetna Medicare Select HMO*
    • Aetna Medicare Assure HMO* D-SNP
    • Aetna Medicare Assure Plus HMO* D-SNP
      *HMO (specialist only, referral required)
      BayCare Health
    • BayCarePlus Complete HMO
    • BayCarePlus Rewards HMO
    • BayCarePlus Signature HMO
      Devoted Health
    • Devoted Health Core Greater Tampa Bay HMO
    • Devoted Health Essentials Greater Tampa Bay HMO
    • Devoted Health Prime Greater Tampa Bay HMO
      Florida Blue
    • BlueMedicare Choice Regional PPO
    • BlueMedicare Select PPO
    • BlueMedicare Value PPO
    • BlueMedicare Classic HMO
    • BlueMedicare Premier HMO
    • BlueMedicare Saver HMO
    • BlueMedicare Complete HMO D-SNP  
       Humana
    • HumanaChoice Florida PPO**
    • HumanaChoice Regional PPO**
    • Humana Gold Choice PFFS
    • Humana Gold Plus HMO*
    • Humana Honor HMO*
    • Humana Fully Integrated HMO* D-SNP         
    • Humana Gold Plus SNP-DE HMO* D-SNP
    • Humana Gold Plus - Diabetes HMO* C-SNP
      *HMO (specialists only, referral required) -- No Optometry, Podiatry, or Dermatology except Dr. Richard Moore
      **PPO (Optometry, Podiatry, and Dermatology services provided at a higher out pocket for the patient)
      UnitedHealthcare
    • AARP Medicare Advantage Choice PPO
    • AARP Medicare Advantage Choice Plan 2 Regional PPO
    • AARP Medicare Advantage Patriot Regional PPO
    • AARP Medicare Advantage HMO-POS
    • AARP Medicare Advantage Focus HMO-POS
    • UnitedHealthcare Dual Complete RP Regional PPO D-SNP
    • UnitedHealthcare Dual Complete Choice PPO D-SNP
    • UnitedHealthcare Assisted Living Plan PPO I-SNP
    • UnitedHealthcare Nursing Home Plan PPO I-SNP
    • UnitedHealthcare Medicare Advantage Walgreens HMO C-SNP
    • UnitedHealthCare Dual Complete LP HMO D-SNP
      WellMed Delegated HMO plans (specialists only, referral required)

    Commercial Insurance Plans:

    Aetna – all plans
    • Select Cardiology, ENT, Gastro, General Surgery, Neurology, OB-GYN, Orthopaedics, Plastic Surgery or Urology providers may be out-of-network for Aexcel, Aexcel PLus, Aetna Premier Care Network (APCN) or APCN Plus plans.
      Members must contact plan for network status, Higher out of pocket or no benefit may apply.
    AvMed – all plans except Individual, Engage and Miami-Dade County (MDC Select Network Only)
    • Optometry and routine vision care appointments not available at Watson Clinic.
    Cigna/GWH-Cigna – all plans
    • Cigna BayCare is contracted with specific providers.
    Coventry National - PPO medical plans only
      Evolutions Healthcare System - all plans
               (Watson Clinic may be considered out of network when the home plan is an HMO.)
        First Health Network - PPO medical plans only
        • AdventHealth of Florida employees use First Health tier 2 benefits with higher out-of-pocket costs. 
        Florida Blue – all network plans except Miami-Dade Blue and BlueSelect (some out of state BlueSelect plans are accepted.) Lakeland Regional is not contracted with Florida Blue BlueSelect.
        • SimplyBlue HMO - accepted at Watson Clinic Hillsborough and Pasco county offices only.
        Humana - most plans
        • Optometry and Podiatry appointment not available at Watson Clinic for HMO plans.
        Multiplan / PHCS – most plans
                 (Watson Clinic may be considered out of network when the home plan is an HMO.)
          Orlando Health 
          • Disney Orlando Health Network
          • Orlando Health Team member
          Tricare Prime Not contracted. Watson Clinic cannot be assigned as PCP.
          • Referrals / Authorization required for full benefits, otherwise out-of-network benefits will apply.
          Tricare Select
            TriWest - Department of Veteran Affairs Community Care Network (VA CCN) only
              UnitedHealthcare - all plans
                Watson Clinic does not accept Medical Discount Cards of any kind.
                 
                What if I have an out-of-network plan or no insurance? 
                If you have an insurance plan that Watson Clinic does not contract with (commonly referred to as an "out-of-network" plan) or do not have insurance, you will be responsible for payment of all charges on the day of service. Our financial counselors are available to assist you in making alternative payment arrangements if necessary. Please understand that we cannot waive patient balances.
                 
                Click here for a printable version.
                If you have further questions, please contact Patient Relations at 863-680-7206. 

                Information about the Affordable Care Act & You!

                Healthcare reform took full effect in January 2014, and there are new ways to buy health insurance called the Health Insurance Marketplace. Americans will be required to have healthcare coverage or pay a penalty. The Government has established a website bringing together information about all of your options in one online location. For those without employer-provided insurance or Medicare/Medicaid, this will allow you an opportunity to compare your choices, learn if you're eligible for public health insurance programs or tax credits that will make coverage more affordable, and join the plan of your choosing.

                When you’re shopping for yourself, your family, or a small business, you can enroll in an exchange during the annual open enrollment period of November 1, 2020 to December 15, 2020. Here’s how you do it:

                • Visit healthcare.gov and create a free account.
                • Enter the information requested including income, household size, etc.
                • The system uses this information to produce a list of coverage options that are open to you. You’ll also be given additional options for lower cost premiums, or possible financial assistance, if you qualify. 
                • Enroll in the plan of your choice.                  

                An important note: Make sure you confirm the insurance plans Watson Clinic accepts before you purchase coverage. Many times, consumers are misinformed as to which plans are honored by our Clinic physicians, so please review the information listed above.


                Important News for our Medicare & Medicare Advantage Patients

                All patients with Medicare are eligible to participate in the following programs offered at no charge by Watson Clinic.

                Welcome to Medicare Visit
                Recently enlisted Medicare beneficiaries are eligible to receive a free Welcome to Medicare preventive health evaluation (also known as the Initial Preventive Physical Examination or IPPE) within the first 12 months of their enrollment. This one-time only visit focuses exclusively on health promotion and disease detection, and serves as a great primer on your road to continued wellness and productivity.

                The IPPE includes:

                • Assessment of vital signs
                • General vision test
                • Discussion on the importance of drafting advance directives
                • Review of potential health risk factors
                • Recommended list of screenings, immunizations, and additional services prepared just for you!

                Medicare Annual Wellness Visit
                After 12 months of enrollment or one year after your Welcome to Medicare Visit, Medicare beneficiaries receive full coverage for an Annual Wellness Visit. During this examination, we will update your medical record with all pertinent information from the past year, review your history and risk factors for disease, ensure that your medication list is up to date, and provide personalized health advice and counseling.

                Click here to see our Medicare Annual Wellness Visit brochure.
                 
                Important Note: Medicare provides coverage of the AWV and the IPPE as Medicare Part B benefits. (There is no coinsurance, copayment or Medicare Part B deductible for these benefits.)