01/09/2026
📣 Insurance Plans We Accept at Navarre Primary Care
We want to be as transparent as possible about insurance, because we know it can be confusing. Below is a clear breakdown of the plans we currently accept:
✅ In-Network Plans
• Medicare Part B (with most supplement plans)
• VA Community Care (with referral from the VA)
• Tricare Prime & Tricare Select (including Tricare for Life)
• Blue Cross Blue Shield / Florida Blue – PPO plans only
• UnitedHealthcare – Commercial plans
• Cigna – Commercial plans
• Oscar Health Insurance
⚠️ Out-of-Network BUT We Can Still See You!
• UnitedHealthcare Medicare Advantage plans (AARP PPO)
• Aetna Medicare PPO plans
• Humana Medicare Advantage PPO
• Most Medicare Advantage PPO plans (except Blue Cross Blue Shield)
➡️ Being out of network may mean a slightly higher copay, depending on your plan.
🚫 Plans We Do NOT Accept
• HMO plans
• Medicare Advantage HMO plans
• Commercial Aetna plans
• BCBS Medicare Plans
• Any plan with an “H” that is not a PPO
💬 Important clarification
Patients sometimes think we don’t want to accept HMO or Medicare Advantage plans. That is not the case. We have applied to be in-network with all major insurance companies. Many plans keep their networks very small and are not accepting new providers. The plans listed above are the ones that approved us for in-network participation.
💳 Payment Options
• We accept HSA and FSA cards (when attached to a major credit card network)
• We also accept many cost-sharing programs
💵 Self-Pay & Membership Options
• Self-pay visits: $95 per visit
• Medical membership: $75/month
✔ Unlimited visits
✔ Annual labs included
✔ No insurance hassles
📞 Have questions about your specific plan?
Call our office or send us a message—we’re always happy to help you understand your options.
💚 Navarre Primary Care
