Tallahassee Memorial HealthCare and Medicare

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Tallahassee Memorial HealthCare was named one of the best regional hospitals in Florida by U.S. News and World Report. The hospital services Tallahassee residents and those in 17 other surrounding counties in both Florida and Georgia. If your live in Tallahassee and are on Medicare, you’ll want to know if your insurance works with this large hospital.

Tallahassee Memorial and Medicare

Tallahassee Memorial HealthCare participates with Medicare plans. There are several types of Medicare plans that you may have, so you’ll need to understand how your plan works to make sure it’s included in the Tallahassee Memorial’s participation network. Let’s talk about the three types of coverage you could have and then compare them a current list provided by the hospital.

Original Medicare

Everyone begins their Medicare journey with Original Medicare – Parts A and B. Part A provides hospital insurance, which helps cover your room and board expenses during an inpatient hospital stay. Part B provides outpatient insurance, which helps cover a variety of things like surgeries, doctor’s visits, diagnostic tests and images, durable medical equipment, preventive services, and some drugs administered by your doctor.

Original Medicare is widely accepted across the United States. Physicians and facilities only have to accept Medicare assignment for you to receive the most benefits from Parts A and B. “Accepting assignment” means that they have agreed to provide services for the fees set by the Medicare program. The vast majority of healthcare providers do accept Medicare, including Tallahassee Memorial HealthCare.

Medicare Supplements

Original Medicare offers excellent benefits, but does not cover 100% of your healthcare expenses, which is why most beneficiaries choose to supplement that coverage in one of two ways. The first way is by enrolling in a Medicare supplement (Medigap) plan. There are ten Medicare supplements on the market today, all with varying levels of coverage. The most comprehensive Medigap plans are Plans F and G. These plans pick up nearly every leftover expense from Original Medicare and leave the beneficiary with very little out-of-pocket costs.

Medicare supplements are standardized plans. For example, no matter where you purchase Plan G from, it will always give you the same benefits. The only thing the insurance companies have control over is the premium.

Like Original Medicare, Medicare supplements don’t require network participation. As long as your provider accepts Medicare, they will also accept your supplemental plan. This is advantageous for many reasons, but especially for individuals who like to travel and may need to receive care while away from home.

Happy senior man sitting on the beach playing with his dog as he thinks about Tallahassee Memorial Medicare
Medicare Advantage plans are the second way Medicare beneficiaries may choose to supplement their coverage under Original Medicare.

Tallahassee Medicare Advantage Plans

Medicare Advantage plans are the second way Medicare beneficiaries may choose to supplement their coverage under Original Medicare. If you enroll in a Medicare Advantage (MA) plan, all of your benefits from Parts A and B will be rolled into one MA plan. Most of the time, these plans offer extra benefits you won’t find in Original Medicare or Medigap plans. Also, they usually have a low monthly premium.

The “catch” is that MA plans require network participation. Each plan is structured differently, but if you have an MA plan, you’ll need to receive care from a provider and facility that is contracted with your insurance carrier. Going outside of the plan’s network will cost you more out-of-pocket, possibly the entire bill.

Luckily, Tallahassee Memorial HealthCare accepts many Medicare Advantage plans.

Accepted Health Insurance Plans

We’ll provide a list of all the major carriers that Tallahassee Memorial participates with, but you will need to look into the specifics of your plan before assuming the network status. Also, some providers at Tallahassee Memorial will participate with one plan and not another. If you need to schedule treatment and have a Medicare Advantage plan, it’s best to work with your care coordinator to ensure your plan participates with your healthcare team.

  • Aetna
  • Beech Street
  • Blue Cross Blue Shield of Florida
  • Capital Health Plan
  • Cenpatico Behavioral Health
  • ChoiceCare (Humana)
  • Cigna Healthcare of Florida
  • Cigna Behavioral Health
  • Community Health Solutions of America
  • Coventry Health / Health First
  • Florida Medicaid
  • Georgia Medicaid
  • Humana Military / Tricare
  • Humana Veterans Healthcare
  • Lighthouse Health Plan
  • Magellan Behavioral Health
  • Naphcare
  • New Directions Behavioral Health
  • Novanet
  • Prestige Health Choice
  • Private Healthcare Systems
  • Simply Health Plans
  • United Behavioral Health
  • UnitedHealthcare of Florida
  • Value Options
  • WellCare Health Plans

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