Insurance & Billing
Bay Area Chest Physicians accepts Medicare and most major commercial insurance plans. Not sure about your plan? Verify it instantly in our chat or call us during phone hours.
Plans we no longer accept
- Humana (all plans) — effective April 3, 2025
If you are currently insured with a dropped plan, please contact us before your visit so we can discuss options.
Government Plans
Medicare, Tricare, and qualifying secondary Medicaid coverage.
Medicare
Traditional Medicare accepted as primary.
Medicaid
Secondary coverage only — not as primary.
Tricare
Commercial Carriers
Major commercial insurers across the Tampa Bay area.
Aetna
Blue Cross Blue Shield
Florida Blue
Cigna
UnitedHealthcare
AvMed
Ambetter
BayCare
Oscar
Medicare Advantage
Participating Medicare Advantage and supplement plans.
AARP Medicare Advantage
Devoted Health
WellCare
Optimum Healthcare
Plans that require a PCP referral
These HMO and managed-care plans require a referral from your primary care physician before we can schedule your appointment. Please have your PCP send the referral before calling.
Not sure if we take your plan?
Verify your coverage instantly with our assistant, or call our billing team during phone hours (Mon–Fri, 9 AM – 4 PM).
Payments & billing
Our office files insurance claims for all patients, including primary and secondary coverage. Copayments, deductibles, and coinsurance amounts are collected at the time of your visit. Monthly statements are mailed for any residual balances.
- Bring your insurance card to every visit — we need a current copy on file whenever your coverage changes.
- Claims filed for you — our billing team submits both primary and secondary insurance claims on your behalf.
- Self-pay welcome — uninsured patients pay at the time of service. Call us to discuss pricing before your visit.
- Pay your bill online through our secure billing portal at paywoot.com.