AdventHealth Florida
& Medicare Coverage
AdventHealth operates one of Florida's largest hospital networks — with campuses in Daytona Beach, Palm Coast, Orlando, Tampa, and beyond. Here's everything Medicare beneficiaries need to know about coverage, networks, and costs.
About AdventHealth in Florida
AdventHealth (formerly Florida Hospital) is one of the largest not-for-profit health systems in the United States, with its roots in Seventh-day Adventist healthcare values. The system operates more than 50 hospital campuses and hundreds of outpatient facilities across Florida, making it one of the most accessible health networks for Medicare beneficiaries in the state.
For seniors in Northeast and Central Florida — particularly in Volusia, Flagler, Orange, Seminole, and Hillsborough counties — AdventHealth is often the primary or only major hospital system within a reasonable distance. This makes understanding your Medicare coverage at AdventHealth critically important before you choose a plan.
AdventHealth's "whole-person care" philosophy emphasizes treating patients as complete individuals — body, mind, and spirit. This approach has earned the system consistently high patient satisfaction scores and numerous quality awards, including recognition from U.S. News & World Report for its specialty programs in cardiac care, cancer treatment, and orthopedics.
Major AdventHealth Hospital Campuses in Florida
Each campus serves a distinct region of Florida. Medicare coverage and plan networks may vary by location.
AdventHealth Daytona Beach
295 bedsAdventHealth New Smyrna Beach
109 bedsAdventHealth Palm Coast
99 bedsAdventHealth Orlando
1368 bedsAdventHealth Tampa
431 bedsAdventHealth Altamonte Springs
398 bedsAdventHealth Celebration
203 bedsAdventHealth Ocala
368 bedsMedicare Coverage at AdventHealth: What You Need to Know
Choosing the wrong Medicare plan can mean unexpected bills — or losing access to your preferred AdventHealth campus. Here's a complete breakdown.
Medicare Advantage Coverage at AdventHealth
Most major Medicare Advantage plans in Florida include AdventHealth hospitals in their networks. Humana, Florida Blue, UnitedHealthcare, Aetna, and WellCare all typically cover AdventHealth facilities — but network participation varies by plan and county. Always verify your specific plan includes your local AdventHealth campus before enrolling.
Original Medicare (Parts A & B)
AdventHealth accepts Original Medicare at all Florida locations. With Original Medicare, you pay 20% of covered services after your Part B deductible, plus hospital deductibles under Part A. A Medigap (Medicare Supplement) plan eliminates most of this cost-sharing, making it a popular choice for seniors who want predictable costs at AdventHealth.
Medigap Plans & AdventHealth
Because AdventHealth accepts Original Medicare, any Medigap plan works at any AdventHealth location — nationwide. Plan G and Plan N are the most popular options. With Plan G, you pay only the Part B deductible ($257 in 2026) and nothing else for Medicare-covered services. This is especially valuable for seniors who use AdventHealth's specialty services like cardiac care or cancer treatment.
Prior Authorization Requirements
Medicare Advantage plans often require prior authorization for certain procedures at AdventHealth — including elective surgeries, advanced imaging (MRI, CT), and specialist referrals. Original Medicare with a Medigap plan has no prior authorization requirements, giving you unrestricted access to AdventHealth's full range of services.
AdventHealth's Whole-Person Care Philosophy
AdventHealth's mission is rooted in whole-person care — treating body, mind, and spirit. Their "Feel Whole" brand promise reflects a commitment to patient experience that resonates with Medicare-age patients who want more than just clinical treatment. This philosophy extends to their senior-focused programs and post-acute care services.
Medicare Advantage vs. Medigap at AdventHealth
Both options can work at AdventHealth — but they work very differently. Here's a side-by-side comparison.
Medicare Advantage
- Must verify AdventHealth is in-network for your specific plan
- Prior authorization required for many procedures
- Lower monthly premiums (often $0)
- Copays and coinsurance apply at each visit
- Network may change annually at open enrollment
- Emergency care always covered regardless of network
- May include dental, vision, hearing extras
Medigap (Medicare Supplement)
- Works at ANY AdventHealth location — no network restrictions
- No prior authorization requirements
- Higher monthly premiums
- Plan G covers nearly all cost-sharing after Part B deductible
- Coverage is guaranteed — no annual network changes
- Works nationwide at any Medicare-accepting provider
- No referrals needed for specialists
William's recommendation: If you rely heavily on AdventHealth's specialty services — cardiac care, cancer treatment, or orthopedics — a Medigap plan gives you unrestricted access with no prior authorization hurdles. If you're generally healthy and want lower premiums, a Medicare Advantage plan that includes AdventHealth in-network can work well. Call William to compare both options side by side.
Frequently Asked Questions
Does AdventHealth accept Medicare?
Yes — all AdventHealth hospitals in Florida accept Original Medicare (Parts A and B). Most Medicare Advantage plans also include AdventHealth in their networks, though you should verify your specific plan covers your local campus.
Which Medicare Advantage plans cover AdventHealth in Volusia and Flagler County?
In Volusia and Flagler counties, Humana, Florida Blue, UnitedHealthcare, Aetna, WellCare, Devoted Health, and several other carriers typically include AdventHealth Daytona Beach, New Smyrna Beach, and Palm Coast in their networks. Coverage varies by plan — call William at (386) 871-3858 to verify your specific plan.
Is AdventHealth in-network for Medigap plans?
Yes. Medigap (Medicare Supplement) plans work with any provider that accepts Original Medicare — including all AdventHealth locations nationwide. There are no network restrictions with Medigap.
What happens if I need emergency care at AdventHealth and I have Medicare Advantage?
Medicare law requires all Medicare Advantage plans to cover emergency care at any hospital, including AdventHealth, regardless of network status. You will not be denied emergency coverage. However, follow-up care and inpatient admission may be subject to network rules.
Does AdventHealth have a Medicare Advantage plan of its own?
AdventHealth has partnered with various insurers to offer Medicare Advantage plans in some markets. However, as an independent broker, William compares all available plans — not just those affiliated with a specific health system — to find the best fit for your situation.
How do I make sure my AdventHealth doctors are covered before I enroll in a Medicare plan?
The safest approach is to call William Gray at (386) 871-3858. He verifies your specific AdventHealth physicians are in-network for any plan before you enroll — a step that prevents costly surprises.
Important: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.
Hospital network participation in Medicare Advantage plans changes annually. The information on this page is for general educational purposes only and does not constitute a guarantee of coverage. Always verify your specific plan's network with the insurance carrier before enrolling. William Gray is an independent licensed insurance agent (FL License #W690237) and is not affiliated with, employed by, or endorsed by any hospital or health system referenced on this page. Medicare has neither reviewed nor endorsed this information.
Other Florida Hospital Medicare Guides
Make Sure Your Medicare Plan Covers AdventHealth
William Gray verifies your specific AdventHealth doctors and facilities are covered before you enroll — at no cost to you.