Accepted Insurance Plans

Palms Medical Group accepts the following Medicaid Plans:

• Humana Medicaid
• Wellcare Medicaid
• United Healthcare Medicaid
• Sunshine Medicaid

Palms Medical Group accepts the following Medicare Advantage Plans:

• Humana Medicare
• Blue Medicare
• Medicare Complete Choice (AARP)
• Aetna Medicare
• United Healthcare Medicare
• Wellcare Medicare

COMMERCIAL PLANS

• Aetna
• AARP
• Avmed
• BCBS/My Florida Blue
• Cigna
• Humana
• UMR
• United Healthcare

We accept many other insurances contact your local PMG office to check your insurance.

Palms Medical Group asks that you present your insurance card prior to each visit. If there is a change in your coverage, please notify us immediately as this may affect how your claim is processed. Failure to submit correct insurance information at the time of your visit could result in you being responsible for the payment of charges.

Your health insurance contract is between you and your insurance company. Your insurance plan may not pay for certain procedures that it deems not “Medically Necessary,” such as screenings, lab tests, or if you have exceeded your insurance limitation. Your insurance may also require the patient to see providers that have been contracted with your insurance plan. This includes Auto, Medicare, Medicaid, private commercial, and workman’s compensation. If the insurance denies payment, you may be responsible for payment. Palms Medical Group bills all insurances as a courtesy. Again, it does not mean that we accept all plans. Any complaints regarding your coverage should be directed to your insurance carrier.

Are you an uninsured patient? Ask about our financial assistance options.

Auto Claims

If you were in an auto accident you are required to bring in your auto insurance card and the following information: policy number, claim number, name of the adjuster, and the date of injury. Failure to provide this information or correct information will result in the patient acknowledging that he/she will pay charges in full.

Workman’s Compensation

It is your responsibility to report injuries to your employer and review with them your options for medical care and obtain the insurance information for billing purposes.

Medicare

If you have insurance coverage besides Medicare, be sure to contact the Social Security office to verify that they have the correct insurance and order of coverage for you on file. This is known as Coordination of Benefits. You must also notify them if there is a change in coverage. Medicare may deny payment if you do not have the correct insurance listed at the Social Security office.

Medicare requires that Palms Medical Group has you complete a Medicare Secondary Payer Questionnaire. This form is known as the MSP Questionnaire. This questionnaire helps in determining if there is insurance coverage that may be primary to Medicare coverage.

If you have signed up with a Medicare Advantage program we ask that you present that information prior to being seen. Due to multiple Medicare Advantage plans, you must verify that your provider participates with the plan you selected for your Medicare coverage. We will bill your Medicare Advantage plan as a courtesy; yet, if your claim is processed out of network or you did not provide the correct Medicare plan information, you will be responsible for payment for charges.

Medicaid

Medicaid helps pay for services that are medically necessary. Sports physicals are an example of services not payable by Medicaid. Medicaid encourages recipients to participate with manage care plans like Sunshine Health, United, or Wellcare to name a few. If you have recently moved here or you have a plan that we do not participate with, please contact the local office of the Florida Department of Children and Families or contact the manage care plan to have your plan changed.

Need Help?

Ask to speak with the Patient Advocate Coordinator at your local Palms office, or call 1-888-730-2374. You also can email a financial counselor at finance@palmsmg.org.