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.
Before you pick a plan, make sure that your Watson Clinic physicians are participating and in-network. To confirm participation and in-network status, please contact Patient Relations at 863-680-7206.

    Participating Medicare Advantage Plans

    Accepted Medicare & Medicare Advantage Plans:

    Traditional Medicare and all Medicare Supplement Plans

    AARP from UnitedHealthcare
    • AARP MA from UHC FL-0019 PPO
    • AARP MA from UHC FL-0031 Regional PPO
    • AARP MA Patriot No Rx FL-MA01 Regional PPO
    • AARP MA from UHC FL-003P HMO-POS
    • AARP MA from UHC FL-0006 HMO-POS
    • Aetna Medicare Eagle PPO
    • Aetna Medicare Explorer Premier PPO
    • Aetna Medicare Premier PPO
    • BayCarePlus Complete HMO
    • BayCarePlus Premier HMO
    • BayCarePlus Rewards HMO
    • BayCarePlus Value HMO
    • BayCarePlus Freedom HMO-POS
    Florida Blue
    • BlueMedicare Choice Regional PPO
    • BlueMedicare Patriot PPO
    • BlueMedicare Select PPO
    • BlueMedicare Value PPO
    • BlueMedicare Classic HMO
    • BlueMedicare Premier HMO
    • BlueMedicare Complete HMO D-SNP
    • Humana USAA Honor PPO
    • HumanaChoice Florida PPO
    • HumanaChoice Regional PPO
    • HumanaChoice Florida SNP-DE PPO D-SNP 
    • UHC Complete Care Walgreens FL-0014 HMO-POS C-SNP
    • UHC Dual Complete FL-D003 PPO D-SNP
    • UHC Dual Complete FL-D005 Regional PPO D-SNP
    • UHC Dual Complete FL-D002 HMO-POS D-SNP
    • UHC Dual Complete FL-Y001 HMO-POS D-SNP
    • UHC Care Advantage FL-E001 PPO I-SNP
    • UHC Nursing Home Plan FL-F001 PPO I-SNP
    Aetna – Specialty Care Only
    • Aetna Medicare Credit HMO
    • Aetna Medicare Select HMO
    • Aetna Medicare Select Plus HMO
    • Aetna Medicare Choice HMO-POS
    • Aetna Medicare Assure HMO D-SNP
    • Aetna Medicare Assure Plus HMO D-SNP
    Devoted – Specialty Care Only
    • Devoted Core Tampa HMO
    • Devoted Essentials Tampa HMO
    • Devoted Premium Florida HMO
    Humana – Specialty Care Only
    • Humana Gold Plus HMO
    • Humana USAA Honor HMO
    • Humana Gold Plus - Diabetes and Heart HMO C-SNP
    • Humana Gold Plus - Lung HMO C-SNP
    • Humana Fully Integrated HMO D-SNP
    • Humana Gold Plus SNP-DE HMO D-SNP

    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 Engage, Flex, Focus, JHS (Jackson First and Select), and Miami-Dade County (MDC) (Jackson First & First Choice Advantage and Select & Select Advantage)
    • Optometry and routine vision care appointments not available at Watson Clinic.
    Cigna/GWH-Cigna – all plans
    • Cigna BayCare is contracted with specific providers.
    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. Lakeland Surgical & Diagnostic Center is not contracted with Florida Blue BlueSelect.
      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.)
        Optum - VA Community Care Network (VA CCN) only
        Orlando Health 
        • Disney Orlando Health Network
        • Orlando Health Team member
        Prime Health
        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
          UnitedHealthcare - all plans, except Marketplace 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. Here’s how you do it:

            • Visit 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.)