Insurance & Payment information

At Florida Digestive Health Specialists (FDHS), your health and well-being are our top priorities. To ensure you receive the best possible care, we would like to remind you of some important information:

Verify Your Coverage: Your insurance policy is a contract between you and your insurance plan. We strongly recommend contacting your insurance company before your visit to confirm your specific benefits and ensure your FDHS provider is in-network.

Bring Your ID: Please bring your current insurance card(s) and a photo ID to every appointment. This ensures we have the most up-to-date information to submit claims on your behalf.

Current list of accepted insurance plans: 

Commercial: 

• Aetna
• AvMed
• Blue Cross Blue Shield (Out-of-State Plans)
• Cigna
• Claritev (Formerly Multiplan)
• Curative
• First Health
• Florida Blue
• GEHA
• Prime Health Services
• UnitedHealthcare

Health Insurance Networks: 

• Partners Direct Health 

Exchange/Marketplace ACA: 

• Ambetter
• Florida Blue

Medicare/Government: 

• Railroad Medicare
• Traditional Medicare
• Tricare East

Medicare Advantage: 

• Aetna
• AvMed
• Florida Blue
• Freedom Health
• HealthSpring
• Humana
• Optimum HealthCare
• UnitedHealthcare
• WellCare
• WellMed

Only select providers are participating with the plans below:

• BayCarePlus
• CarePlus
• Cigna Baycare
• Evolutions
• Florida Healthcare Plans
• Gulf Coast Provider Network Select
• Health First Health Plans
• Simply Healthcare
• Suncoast Pace

Medicare Patients: As Medicare providers, we will file your claims. Per Medicare guidelines, you will be responsible for 20% coinsurance after you meet your annual deductible. We will also file with your secondary insurance plan unless you tell us not to.

Referral and Pre-Authorization: If your insurance plan requires a referral or pre-authorization before your visit or treatment, please confirm that your insurance provider or primary care physician has fulfilled the necessary requirements before your appointment. If not, you may be responsible for the entire cost of the visit or procedure.

Patient Financial Responsibility: Patients are responsible for paying co-pays, co-insurance, deductible payments, and self-pay fees at the time of service. For your convenience, we accept most major credit cards and checks. Please note that a 3% processing fee will be applied to all credit card transactions. No processing fee applies to debit cards, prepaid credit cards, Health Savings Accounts (HSA), or Flexible Spending Accounts (FSA).

**Effective March 1, 2026, Cash is no longer accepted as a form of payment. **

 Thank you for choosing FDHS for your health care needs. We look forward to providing you with the best possible care!