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Insurance Plans

Important Updates That May Affect Your Coverage

Important update for AvMed Medicare Advantage Members

Starting January 1, 2025, Cleveland Clinic facilities and providers in Florida will no longer be in-network for AvMed Medicare Advantage members. You may consider your options during the Medicare Advantage Open Enrollment Period, which runs through December 7 and again from January 1 to March 31. See below for a list of in-network insurance companies accepted at Cleveland Clinic.

Do you have Medicaid or CHIP?

You may need to update some of your information to renew your coverage.

Here are a few steps you might need to take to make sure there aren’t any gaps in your coverage:

  • Look through your contact information and make sure it’s accurate.
  • Watch your mail for a letter.  
  • Fill out a renewal form (if you get one).

If you have questions, you can reach out to your state Medicaid office or visit Medicaid.gov/renewals.

Need help preparing for open enrollment?

To help you prepare for open enrollment, from Nov. 1 - Dec. 15, and to find a plan that matches you and your budget, we’ve engaged licensed independent insurance advisors to help you.

For Ohio residents seeking more information, visit LIG Solutions or call 888.233.7132.

For Florida residents seeking more information, visit eHealth or call 877.350.1064.

Where Do I Get Started?

We know that it can be stressful to navigate the insurance coverage process, but we strive to make it as smooth as possible.

Cleveland Clinic Florida accepts a wide variety of insurance and contracted managed care plans at our main campus in Weston, as well as our community hospitals and family health centers throughout the Florida region.

If a particular hospital isn't on your health plan, but you feel strongly about accessing care there, you can:

  • Appeal to your insurance review board.
  • Look for organizations that will offer financial assistance.
  • Negotiate a payment plan with the hospital. Ask your insurance company representative or the hospital’s Patient Financial Advocates for further information.

Is my virtual visit covered by insurance?

Cleveland Clinic provides virtual visits for your convenience and health. Virtual visits are not covered by all insurance plans. In order to fully understand your benefits and potential cost, contact your insurance company and ask if virtual visits are included in your plan and if not, what it may cost you.

Insurance & contracted managed care plans

The list of insurance & contracted managed care plans provided on this page is for reference purposes only and is subject to change. Check with your health plan to confirm that Cleveland Clinic is included.

Cleveland Clinic may participate in some, but not all, products offered by a health plan. Coverage limitations are dependent on individual group contracts.

For questions about insurance coverage and specific plan products including Medicare and our Las Vegas location, please contact your insurance carrier directly.

Understanding out-of-network insurance

If your health insurance provider does not have a contract with Cleveland Clinic, this means that you have an out-of-network, or non-contracted, insurance plan and you will be billed for all services.

At Cleveland Clinic, we want to be completely transparent with you about the cost of your care.

Questions regarding your insurance?

If you have any questions regarding your insurance, please call toll-free 844.500.9451 to speak with a Patient Financial Advocate (PFA).

Insurance Plans We Accept

The list below is for reference purposes only and is subject to change. Not all plans within the companies listed are considered participating. Always check with your health plan to confirm that Cleveland Clinic is included.

If you do not see your plan listed here, you can also call 844.500.9451 for information.

Commercial plans

Health insurance that is typically employer-sponsored or privately purchased.

Direct-to-employer plans

Health insurance that is contracted directly with Cleveland Clinic by your employer.

  • Holland American Cruise Lines – Weston.
  • Memorial Health System (South Broward Hospital District) – Weston.
  • The Legacy Companies – Weston.
  • U.S. Maritime Consultants – Weston.

Exchange plans

Also known as the Health Insurance Marketplace®, a service that helps individuals, families and small businesses with medical insurance.

To help you prepare for open enrollment and find a plan that matches you and your budget, we’ve engaged licensed independent insurance advisors to help you.

For Ohio residents seeking more information, visit LIG Solutions or call 888.233.7132.

For Florida residents seeking more information, visit eHealth or call 866.629.0964.

International plans

Health insurance plans for individuals and families living outside of their home country.

  • Aetna International.
  • Aetna Passport to Healthcare.
  • Bank of the Bahamas.
  • Best Doctors.
  • Best Meridian Insurance (BMI).
  • BlueCross BlueShield (Bupa and GeoBlue).
  • Cigna Global.
  • Coralisle Group (CG).
  • EBIX.
  • Europ Assistance.
  • First Health International.
  • Global Excel Management.
  • Global Health Claims Services.
  • Global Medical Management Inc. (GMMI).
  • Guardian Life of the Caribbean.
  • HAA Preferred Partners.
  • Humana (International).
  • MAPFRE.
  • Morgan White.
  • Private Healthcare Systems (PHCS).
  • PKUCare (formerly PingAn Medical Technology).
  • Quality Health Management (QHM).
  • Sanus Health.
  • Seguros Reservas.
  • Southern Health Network.
  • Star Healthcare Network.
  • UnitedHealthcare Global.
  • WorldWide Medical Assurance.

If you do not see your insurance company or Third Party Administrator listed, please contact our Global Patient Services department for assistance.

Managed Medicaid plans

The country’s public health insurance program for low-income families and individuals, including children, pregnant women, seniors and people with disabilities. Managed care is the most common way that states provide benefits and services to Medicaid enrollees while meeting federal guidelines.

Medicare plans

The federal government’s health insurance program for people ages 65 and older, and certain younger people with disabilities or kidney failure.

Medicare Advantage plans

Medicare Advantage plans often provide more benefits than you would receive under Traditional Medicare, such as dental, prescription and vision coverage.

Military plans

Health insurance plans for veterans, active duty service members and their families.

  • Community Care Partners - Veterans Affair – excluding Martin Health.
  • TRICARE (formerly known as CHAMPUS) – excluding Martin Health.

Workers' comp plans

Health insurance plans that specifically cover workplace injuries or illnesses, often regulated by the state.

  • Best Meidein – Martin Health.
  • Choice Managed Network – Martin Health.
  • Employer Health Network – Martin Health.
  • Evolution Healthcare Network – Indian River. 
  • Marriot Casualty – Weston.
  • Marriot International – Martin Health.
  • MetraComp – Martin Health.
  • Protegrity Services – Martin Health.
  • Provider Management Group Network (PMG) – Martin Health.
  • Qrs Managed Care Services – Martin Health.
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