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Your Care. Your Choice.
Choose a Plan That Includes Memorial.

Explore Accepted Insurance Plans FAQs

Keep the Care You Know and Trust.
For generations, Memorial Healthcare System has cared for South Florida families. If you want to continue seeing your Memorial doctors and accessing the hospitals and services you trust, it's important to review your health insurance options before enrolling.

Open enrollment is your opportunity to explore other coverage options and choose a plan that includes Memorial in its network.

 

View Plans That Include Memorial


As of September 1, 2025, Memorial Healthcare System hospitals and facilities are out of network for Florida Blue members. Depending on your coverage, receiving non-emergency care at Memorial may result in higher out-of-pocket costs.

Don’t Wait Until You Need Care. Choose a Plan That Includes Memorial to Access:

Collage of inpatient rehabilitation services: a doctor and nurse consulting with a patient in a hospital bed, a therapist monitoring a patient on a harness-supported treadmill, and a chef working with a patient in a therapy kitchen.

Exceptional Patient Experience.
Thousands of five-star patient reviews reflect the experiences of patients and families who trust Memorial with their care.

Expert Specialty and Hospital Care.
Access six hospitals, including a Level I Trauma Center and Joe DiMaggio Children's Hospital, along with specialized services to support your family's healthcare needs.

Convenient Care Close to Home
With 18 primary care and urgent care locations highlighted in our campaign, plus virtual care options, Memorial makes it easier to access care around your schedule.

January 15, 2027, is the final day of the ACA Marketplace open enrollment period.

Other enrollment periods, including Medicare and employer-sponsored coverage, have different deadlines.
Take the time to review your options and confirm your coverage before enrolling.

What You Can Do

Take the Next Step to Keep Memorial in Your Care Network.

A woman reviewing and filling out enrollment forms.
  1. Review Your Health Insurance Options
    Explore available plans and identify those that include Memorial Healthcare System in their network.
  2. Confirm Your Coverage
    Before enrolling, contact the health plan directly to verify that your preferred Memorial hospitals, physicians and facilities are included in the specific plan you are considering.
  3. Choose the Plan That's Right for You
    Compare your available options, including provider networks, covered services, premiums and out-of-pocket costs, before making your decision.
  4. Enroll Before the Deadline
    Make your selection during your applicable open enrollment period to avoid missing your opportunity to change coverage.

Health Insurance Plans Accepted at Memorial

Hospital Insurance Plans

The following health insurance companies have agreements with Memorial Healthcare System for hospital-based services. Coverage may vary depending on your specific insurance plan and its network.

Click on the health insurer’s name below to visit their website and learn more about available plans.

Contracted Health Insurers as of September 1, 2026

List of Health Insurers and Product Participation
Health Insurers Participating Products Excluded Products
22Health, a Division of Community Care Plan Exchange  None 
Aetna HMO/PPO/POS/Medicare HMO/Medicare PPO/Aetna Better Health Excludes Medicare PFFS
Align Senior Care Florida, Inc.  Medicare  None
Allianz Global Assistance International None 
AmeriHealth Caritas Florida, Inc. f/k/a Prestige Health Choice
 Exchange/Medicare HMO & PPO None
AvMed HMO/Select/Exchange None
Axis Services Inc.  International
 None
Carelon Behavioral Health f/k/a Beacon Health Strategies, LLC Behavioral Health None
CareWorks Managed Care Services, Inc. Workers' Compensation None
CIGNA HMO/PPO/Florida Exchange
 Excludes Medicare
Community Care Plan (CCP)
 All Products None
CorVel Workers' Compensation
 None
Coventry / First Health
 PPO & Workers' Compensation
 None
Coventry

See Aetna

 None
Desjardins Financial Security
 International None
Doctors HealthCare Plans  Medicare  None
Employer's Choice Network
 Worker's Compensation None
Employers Health Network  Memorial Health Assurance  None
Evernorth Behavioral Health f/k/a CIGNA Behavioral Health
 Behavioral Health
 None
Florida Community Care  Medicaid  None
Freedom Health
 Medicaid Excludes Medicare
Gallagher Bassett Services  Worker's Compensation  None
Global Health Claim Services
 International None
Global Reach Health  International  None
GMMI (Global Medical Management)  International  None
Gold Kidney Health Plan  Medicare  None
HealthSun Health Plans Medicare  None
Humana Medicare/Medicaid/Tricare
 Excludes Medicare PPO, Medicare PFFS
Humana Veterans Healthcare Services All Products None
Longevity Health Plan Medicare None
Lucet f/k/a New Directions Behavioral Health  Behavioral Health  None
Magellan Health Services Behavioral Health  None
Molina Medicaid/Molina Marketplace Excludes Medicare
National Healthcare Solutions International None
Neighborhood Health Partnership All Products None
Nomad Assistance, Inc.  International  None 
Oscar Insurance Company of Florida Exchange None
Plotkin Consulting International None
Preferred Care Network Medicare  None
Preferred Care Partners  Medicare  None
Prime Health Services, Inc. Workers' Compensation None
Quality Health Management International None
Simply Healthcare Plans Medicare/Medicaid/Clear Health Alliance None
Solis Health Plans Medicare None
Star Healthcare Network, Inc. International None
Staywell See Wellcare None
Sunshine Health Plan Medicaid/Child Welfare Plan/Ambetter Exchange/Behavioral Health Excludes Healthy Kids and Ambetter Health Solutions
TourMed International None
Tricare (Humana) All Products None
United Behavioral Health Behavioral Health None
United Healthcare HMO/EPO/PPO/Medicaid/Medicare HMO/Medicare PPO/Exchange Excludes Medicare PFFS
Wellcare Medicaid/Medicare Excludes Healthy Kids
World Medical Care
 International
 None
Worldwide Managed Care Partners
 International
 None

The Health Insurer website links are provided for your convenience and in accordance to Florida Statute 395.301.

Please know:

  1. Services may be provided in the hospital by the facility as well as by other healthcare practitioners who may separately bill the patient;
  2. Health care practitioners who provide services in the hospital may or may not participate with the same health insurers or health maintenance organization as the hospital;
  3. Prospective patients should contact the health care practitioner who will provide services in the hospital to determine which health insurers and health maintenance organizations the practitioner participates in as a network provider or preferred provider.

Contracted Networks as of September 1, 2026

Networks Participating Products
Dimension Health PPO 

 

Contracted Transplant Networks as of September 1, 2026

Participating Transplant Networks
Networks Participating Products
Aetna Institutes of Excellence (AIE) Pediatric Heart (*COE), Adult Heart (*COE), Adult Kidney (*COE), BMT (*COE), Pancreas & SPK, and CAR-T
Cigna Lifesource Transplant Network Pediatric Heart (*COE), Adult Heart, Adult Kidney, BMT (*COE), and CAR-T
Emerging Therapy Solutions, Inc. (f/k/a LifeTrac)  Pediatric Heart (*COE), Adult Heart, Adult Kidney, Pediatric Kidney, and BMT
Health Value Management (aka Humana National Transplant Network Program) Pediatric Heart, Adult Heart, BMT, Adult Kidney, Pediatric Kidney, and Pancreas
OptumHealth Care Solutions Transplant Network Pediatric Heart, Adult Heart, BMT (*COE), Adult Kidney (*COE), and Pediatric Kidney

*Center of Excellence (COE)

The Health Insurers and Networks listed above are contracted as of September 1, 2026. If your Health Insurer or Network is not listed above, Memorial Healthcare System is not under contract with your Health Insurer or Network.

To ensure that your Health Insurer or Network allows access to care at Memorial Healthcare System and to verify any benefit exclusions, please refer to the Member Services Department of your Health Insurer or Network and your plan coverage documents.

Health Insurer or Network members should contact the plan for specific product names associated with the participating products described above.

Memorial Healthcare System does not participate in some Medicare Supplement plans. Check with Medicare Supplement plan for its participating network.

Please note: Memorial Healthcare System will provide you with emergency medical care regardless of your plan.

Primary Care Insurance Plans

Insurance Accepted by Memorial Primary Care

 Updated September 2026. Insurance participation may be subject to change.

Commercial HMO

  • Aetna
  • AvMed
  • Cigna
  • Community Care Plan (CCP)
  • Employers Health Network
  • Memorial Health Assurance
  • Memorial Managed Care Plan
  • Neighborhood Health Plan
  • United Healthcare

PPO

  • Aetna
  • Cigna
  • Community Care Plan (CCP)
  • Dimension
  • Global Healthcare Network
  • Memorial Consumer Health Plan
  • Memorial Health Assurance
  • United Healthcare

Insurance Exchange (ACA)

  • 22 Health, Division of CCP
  • Ambetter (from Sunshine Health)
  • AmeriHealth Caritas NEXT
  • Avmed
  • Cigna
  • Molina Healthcare
  • Oscar
  • United Healthcare

Medicare

Part A & Part B

Medicare Advantage

  • Aetna PPO
  • Align Senior Care Florida, Inc.
  • Amerihealth
  • Doctor's Healthcare Plans
  • Florida Community Care (Dual Special Needs)
  • Gold Kidney
  • Healthsun
  • Solis
  • Preferred Care Network
  • Preferred Care Partners
  • United Healthcare
  • Wellcare

TRICARE

All Products

Medicaid

  • Community Care Plan (CCP)
  • Florida Community Care
  • Freedom Health
  • Molina Healthcare
  • Simply Healthcare
  • Simply/Clear Health Alliance
  • Sunshine
  • United

Frequently Asked Questions

Is Memorial Healthcare System still in network for Florida Blue members?

As of September 1, 2025, Memorial Healthcare System hospitals and facilities are out of network for Florida Blue health plan members. Contact Florida Blue to understand how your specific plan covers care at Memorial.

Can I switch insurance plans to continue receiving care at Memorial?

You may be able to choose a different health plan that includes Memorial during your applicable open enrollment period. Review the available options and confirm network participation before enrolling.


View Plans That Include Memorial
Will I have higher out-of-pocket costs if I keep my Florida Blue plan?

Depending on your plan and the services you receive, non-emergency care at an out-of-network Memorial facility may result in higher out-of-pocket costs. Contact Florida Blue to understand your benefits and potential costs.

What if I am currently receiving treatment at Memorial?

You may qualify for Continuity of Care benefits that allow you to continue certain treatments at in-network rates for a limited period. Eligibility is determined by Florida Blue. Call the number on the back of your insurance ID card to ask about your options.

Is emergency care still covered?

Emergency medical care at Memorial remains covered at in-network rates under applicable federal protections. Contact your insurer for information about your specific coverage.

How can I find health plans that include Memorial?

View Memorial's participating insurance plans to explore available coverage options. Before enrolling, always confirm with your insurer that your specific plan and preferred healthcare providers are in network.

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