Insurance we accept in Hudson and Trinity, FL

We participate with selected insurance carriers and specific plans for adult primary care and internal medicine at our Hudson and Trinity offices. This page lists every carrier and plan on file, including Medicare, Medicare Advantage, Medicare Supplement, Medicaid, and commercial and employer plans.

Participation can vary by specific plan, provider, service, and location. A carrier name on this page does not mean every plan or product from that carrier is accepted. Please review the list below, then confirm your network status and benefits before receiving care.

How to verify your coverage

Checking ahead helps your first visit go smoothly. We recommend these steps:

1. Find your exact plan name. It is printed on your insurance card, often along with a plan or contract number.
2. Call the office. Have your insurance card ready when you call the Hudson office at (727) 605-3000 or the Trinity office at (727) 997-1635. You can also request an appointment and ask the team to review your insurance information.
3. Call your insurance company. Confirm that our practice is in network for your plan and, if your plan requires it, that your primary care provider (PCP) information has been updated.
4. Ask about referrals. If your plan requires a referral for a service, please allow time for processing. Our office policies explain how referrals work.

If your insurance changes, please let us know before your next appointment so we can verify your new plan.

Commercial and employer plans

These are the specific employer sponsored, individual, HMO, OAP, PPO, and related plans listed for our practice.

Aetna

Aetna standard plans

• Aetna Affordable Health Choices® limited benefits insurance plan (SRC only)
• Aetna Select℠
• Aetna Voluntary Plans
• HMO
• Managed Choice® POS
• Open Choice® PPO
• QPOS®

Aetna Open Access plans

• Aetna Choice® POS II (Open Access)
• Aetna Health Network Only℠ (Open Access)
• Aetna Health Network Option℠ (Open Access)
• Aetna Select℠ (Open Access)
• Elect Choice® EPO (Open Access)
• Managed Choice® POS (Open Access)
• North Carolina State Health Plan

Aetna HealthFund plans

• Aetna Choice® POS (Aetna HealthFund®)
• Aetna Choice® POS II (Aetna HealthFund®)
• Aetna HealthFund® Aetna Health Network Only℠ (Open Access)
• Aetna HealthFund® Aetna Health Network Option℠ (Open Access)
• Aetna Open Access® Elect Choice® EPO (Aetna HealthFund®)
• Aetna Open Access® Managed Choice® POS (Aetna HealthFund®)
• Open Access Aetna Select℠ (Aetna HealthFund®)
• Open Choice® PPO (Aetna HealthFund®)

Aetna Premier Care Network

• Aetna Premier Care Network (APCN): Choice POS II/Open Access Managed Choice
• Aetna Premier Care Network (APCN): Open Access Aetna Select

Aetna Premier Care Network Plus

• Aetna Premier Care Network Plus (APCN Plus): Choice POS II
• Aetna Premier Care Network Plus (APCN Plus): Open Access Aetna Select
• Aetna Premier Care Network Plus (APCN Plus) Multi-Tier

Aetna Premier Care Network Plus (APCN Plus) Multi-Tier

• Aetna Premier Care Network Plus (APCN Plus) Multi Tier: Choice POSII
• Aetna Premier Care Network Plus (APCN Plus) Multi Tier: Open Access Aetna Select

Small group under 51 employees

• Florida Elect Choice Open Access (OAEPO)
• Florida Health Network Only (HNOnly)

Aetna with Innovation Health

• Aetna with Innovation Health Aetna Select
• Aetna with Innovation Health POS
• Aetna with Innovation Health PPO

National Advantage Program (NAP)

• National Advantage™ Program

Meritain Health

• 2024 Aetna Premier Care Network (APCN)
• 2025 Aetna Premier Care Network (APCN)
• Aetna Premier Care Network (APCN)
• Aetna Select (Open Access)
• Allina Health Broad Network (Choice POS II)
• Mercy Preferred
• MO Freeman Preferred: Choice POS II
• Open Choice® PPO
• Utah Connected Network: Aetna Choice® POS II

Blue Cross Blue Shield

BlueCare plans

• BlueCare
• BlueCare with Vision
• BlueCare with Vision & Dental

BlueChoice plans

• BlueChoice

BlueOptions plans

• BlueOptions
• BlueOptions Health & Dental: Health
• BlueOptions Hospital Surgical Plus
• BlueOptions Temporary Insurance
• BlueOptions with Vision
• BlueOptions with Vision & Dental

BlueCard plans

• BlueCard PPO/EPO
• Blue Card PPO Basic
• BlueCard Traditional

Other Blue Cross Blue Shield plans

• Federal Employee Program

Cigna

Cigna HMO

• CIGNA HealthCare of Florida, Inc. (Tampa HMO)
• CIGNA Healthcare Seamless Network (Florida)

Cigna OAP

• Open Access Plus
• OA Plus
• Choice Fund OA Plus

Cigna PPO

• PPO
• Choice Fund PPO

UnitedHealthcare

Level funded health plans

• Charter
• Choice
• Choice Plus
• Navigate

Employer and individual plans

• Charter / Charter Balanced
• Charter HMO / Charter Balanced HMO / Charter Plus HMO
• Charter Plus
• Choice
• Choice Advanced
• Choice HMO
• Choice HMO Advanced
• Choice Plus
• Choice Plus Advanced
• Choice Plus HMO Premier
• Choice Plus Premier
• Choice Plus with Harvard Pilgrim
• Choice Premier
• Choice with Harvard Pilgrim
• Core
• Core Essential
• Core Essential Premier
• Core HMO / Core Essential HMO
• Core Premier
• Doctors Plan
• Doctors Plan HMO / Doctors Plan Plus HMO
• Doctors Plan Plus
• Elevate
• Elevate Plus
• The Empire Plan
• High
• High Deductible Health Plan
• Heritage Plus
• Heritage Select Advantage: IA
• Heritage Select Advantage
• Heritage Select POS/HMO
• Nevada Public Employees Benefits Program (PEBP)
• NHP HMO/POS
• NHP HMO/POS Access
• Navigate / Navigate Balanced
• Navigate HMO / Navigate Balanced HMO / Navigate Plus HMO
• NavigateNOW
• Navigate Plus
• Navigate Plus Premier
• Navigate Premier
• NexusACO Plans
• Options PPO
• Options PPO Premier
• Options PPO with Harvard Pilgrim
• Oxford Health Plans
• Passport Connect Choice
• Passport Connect Choice Plus
• Select
• Select HMO
• SelectColorado
• Select Plus
• Select Plus Premier
• Select Premier
• Standard
• Surest Select Plus (California)
• United Healthcare Freedom EPO
• United Healthcare Freedom PPO

UnitedHealthcare subplans

• PEBP PPO Network
• NexusACO OA
• NexusACO OAP
• NexusACO OA HMO/NexusACO OAP HMO
• NexusACO R HMO/NexusACO RB HMO/NexusACO RP HMO
• NexusACO R/NexusACO RB
• NexusACO RP
• Metro With Core
• Freedom with Choice Plus
• Liberty with Core

Humana

• Employer HMO

Medicare

We accept Original Medicare at both the Hudson office and our Trinity office. Railroad Medicare is accepted at the Hudson office only. Medicare Advantage plans are listed separately below. Medicare patients may also be interested in the Medicare Annual Wellness Visit. New to Medicare or comparing plans? Our article on choosing a primary care doctor with Medicare explains what to verify before you book. Reviewing plans for next year? See our Medicare Open Enrollment 2027 guide for key dates and network checks.

• Medicare (Hudson and Trinity locations)
• Railroad Medicare (Hudson location only)

Medicare Advantage

These are the specific Aetna Medicare, BlueMedicare, Cigna Medicare, and UnitedHealthcare Medicare Advantage plans listed for our practice. Not every Medicare Advantage plan from these carriers is accepted. Humana Medicare products are listed under other accepted payers.

Aetna Medicare

• Aetna Medicare Eagle PPO (H5521-308)
• Aetna Medicare FL Explorer Premier PPO (H5521-437)
• Aetna Medicare Premier PPO (H5521-033)
• Aetna Medicare Premier PPO (H5521-270)

BlueMedicare plans

• BlueMedicare Classic (HMO)
• BlueMedicare Group PPO (Employer PPO)
• BlueMedicare Patriot (PPO)
• BlueMedicare Premier (HMO)
• BlueMedicare Select (PPO)
• BlueMedicare Value (PPO)

Cigna Medicare

Cigna Medicare HMO

• Cigna Courage Medicare (HMO)
• Cigna Preferred Medicare (HMO)
• Cigna Preferred Savings Medicare (HMO)
• Cigna TotalCare (HMO D-SNP)
• Cigna TotalCare Plus (HMO D-SNP)

Cigna Medicare PPO

• Cigna True Choice Access Medicare (PPO)
• Cigna True Choice Core Medicare (PPO) (Group Plans)
• Cigna True Choice Courage Medicare (PPO)
• Cigna True Choice DE Medicare (PPO)
• Cigna True Choice Medicare (PPO)
• Cigna True Choice Medicare (PPO) (Group Plans)
• Cigna True Choice Plus Medicare (PPO)
• Cigna True Choice Savings Medicare (PPO)

UnitedHealthcare Medicare

• AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS)
• AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)
• AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)
• AARP Medicare Advantage from UHC FL-0006 (HMO-POS)
• AARP Medicare Advantage from UHC FL-0031 (Regional PPO)
• AARP Medicare Advantage from UHC FL-003P (HMO-POS)
• UHC Complete Care FL-14 (HMO-POS C-SNP)
• UHC Dual Complete FL-Y001 (HMO-POS D-SNP)
• UHC Dual Complete FL-Y4 (PPO D-SNP)
• UHC Dual Complete FL-D002 (HMO-POS D-SNP)
• UHC Dual Complete FL-D003 (PPO D-SNP)
• UHC Dual Complete FL-Y5 (HMO-POS D-SNP)
• UHC Dual Complete FL-D005 (Regional PPO D-SNP)
• UHC Nursing Home Plan FL-F001 (PPO I-SNP)
• UnitedHealthCare Group Medicare Advantage (PPO)
• UnitedHealthCare Group Medicare Advantage (HMO)

Medicare Supplement and secondary

These Medicare Supplement and secondary options are listed for our practice. Please verify your exact plan before care.

Advantage65 plans

• Advantage65: Premier Select B & D (Medicare Supplement)
• Advantage65: Select B & D (Medicare Supplement)
• Advantage65: Select E (Medicare Supplement)

AARP Medicare Supplement/Fixed Indemnity by UHC

• AARP Medicare Supplement/Fixed Indemnity by UHC (Hudson and Trinity locations)

Medicare Secondary Payor

• Medicare Secondary Payor (Hudson and Trinity locations)

Medicaid

We list specific UnitedHealthcare Community Plan Medicaid products and Medicaid of Florida. Contact the office and your insurance provider to confirm eligibility, network participation, and benefits.

UnitedHealthcare Medicaid

• UHC Community Plan M* Plus
• UHC Community Plan M* Plus Connection

Medicaid of Florida

• Medicaid of Florida (Hudson and Trinity locations)

Other accepted payers

Humana offers many plan options and networks, so please confirm that your exact product is participating before your visit.

Humana HMO plans

• Humana Fully Integrated H1036-280 (HMO D-SNP)
• Humana Gold Plus: Diabetes and Heart (HMO C-SNP)
• Humana Gold Plus Giveback H1036-157 (HMO)
• Humana Gold Plus Giveback H1036-265 (HMO)
• Humana Gold Plus Giveback H1036-266 (HMO)
• Humana Gold Plus Giveback H1036-269 (HMO)
• Humana Gold Plus Giveback H1036-270 (HMO)
• Humana Gold Plus Giveback H1036-271 (HMO)
• Humana Gold Plus Giveback H1036-278 (HMO)
• Humana Gold Plus Giveback H1036-286 (HMO)
• Humana Gold Plus H1036-025 (HMO)
• Humana Gold Plus H1036-044 (HMO)
• Humana Gold Plus H1036-068 (HMO)
• Humana Gold Plus H1036-074 (HMO)
• Humana Gold Plus H1036-143 (HMO)
• Humana Gold Plus H1036-146 (HMO)
• Humana Gold Plus H1036-217 (HMO)
• Humana Gold Plus H1036-229 (HMO)
• Humana Gold Plus H1036-230 (HMO)
• Humana Gold Plus Lung (HMO C-SNP)
• Humana Gold Plus SNP-DE H1036-102 (HMO D-SNP)
• Humana Gold Plus SNP-DE H1036-209 (HMO D-SNP)
• Humana Gold Plus SNP-DE H1036-210 (HMO D-SNP)
• Humana Gold Plus SNP-DE H1036-213 (HMO D-SNP)
• Humana Gold Plus SNP-DE H1036-214 (HMO D-SNP)
• Humana Gold Plus SNP-DE H1036-226 (HMO D-SNP)
• Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP)
• Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP)
• Humana USAA Honor Giveback (HMO)

Humana PPO plans

• Humana Full Access Giveback H5216-311 (PPO)
• Humana Full Access Giveback H5216-393 (PPO)
• Humana USAA Honor Giveback (PPO)
• HumanaChoice Florida Giveback H5216-452 (PPO)
• HumanaChoice Florida H5216-062 (PPO)
• HumanaChoice Florida H5216-070 (PPO)
• HumanaChoice Florida H5216-072 (PPO)
• HumanaChoice Florida H5216-074 (PPO)
• HumanaChoice Florida H5216-304 (PPO)
• HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP)
• HumanaChoice R5826-005 (Regional PPO)
• HumanaChoice R5826-018 (Regional PPO)
• HumanaChoice R5826-074 (Regional PPO)
• Medicare Employer PPO

Insurance accepted by location

These payers are listed for our offices. A payer may offer many plans and products, so please verify your exact plan and location before receiving care.

Payers listed for Hudson and Trinity

• AARP Medicare Supplement/Fixed Indemnity by UHC
• AARP MedicareComplete through UnitedHealthcare
• AETNA
• Aetna Better Health of Florida
• Aetna Cap
• Aetna Health Plans
• AETNA MEDICARE
• All Savers Insurance (UnitedHealthOne)
• Ambetter by Sunshine
• ANTHEM (Blue Cross Blue Shield Georgia)
• AVMED
• Baycare Health System
• BCBS MEDICARE ADVANTAGE
• BCBS OF FLORIDA
• Blue Cross Blue Shield Alabama
• Blue Cross Blue Shield of Florida
• Blue Cross Blue Shield of Michigan (Federal)
• Blue Cross Blue Shield Tennessee
• Blue Cross of Pennsylvania (Independence)
• CARE IMPROVEMENT PLUS (UHC)
• CarePlus Cap
• Centene
• Cigna
• Cigna Healthspring
• Devoted
• Devoted Health Cap
• Empire Blue Cross
• EMPIRE UNITED HEALTHCARE
• Excellus Blue Cross Blue Shield
• Freedom Health Plan Cap
• GEHA (UHC)
• GOLD KIDNEY & DIABETES PLAN
• Golden Rule Insurance Company (UHC)
• Horizon BCBS NJ
• Humana
• Humana Care Plan
• Humana Gold Plus HMO
• IMAGINE 360
• Medicaid of Florida
• Medical Mutual of Ohio
• Medicare
• Medicare Secondary Payor
• Meritain Health (North American Health Plan)
• Multiplan
• Optimum Healthcare Cap
• Optimum Medicare
• OPTUM (UHC)
• Partners Direct Health
• Priority Health Plan
• Solis Health Plans
• Sunshine State Health Plan
• UHC DUAL COMPLETE
• UHP ADMINISTRATORS
• UMR/Midwest Securities
• Unicare
• United Healthcare
• UNITED HEALTHCARE CAPD
• United Healthcare Dual Complete
• Vitori Health Concierge
• Humana Military (Tricare)

Payers listed for Hudson only

• Railroad Medicare

Insurance verification

Insurance participation and benefits may vary by specific plan, provider, service, location, and other plan requirements. Please contact our office and your insurance provider to verify network participation and coverage before receiving care. Listing an insurance carrier or plan does not guarantee coverage, payment, or a specific patient benefit.

Self pay visits

If you do not currently have insurance, contact the office to discuss self pay visit options and request cost information before care.

Frequently asked questions