Orlando Health
& Medicare Coverage
Central Florida's Level I Trauma system — ORMC, Dr. P. Phillips, South Lake, Bayfront St. Pete, and Jewett Orthopedic. Here's what every Medicare beneficiary needs to know.
Orlando Health Campuses
Five major facilities across Central Florida and St. Petersburg — each with different Medicare Advantage network participation.
Orlando Health Orlando Regional Medical Center
The flagship campus and one of only two Level I Trauma Centers in Central Florida. Home to the Orlando Health Cancer Institute and the Heart Institute.
Orlando Health Dr. P. Phillips Hospital
Serves the tourist corridor, Dr. Phillips, and Southwest Orlando communities with full-service inpatient and outpatient care.
Orlando Health South Lake Hospital
Serves Clermont, Minneola, and Lake County with comprehensive inpatient and outpatient services.
Orlando Health Bayfront Health St. Petersburg
A Level II Trauma Center serving St. Petersburg and Pinellas County — part of the Orlando Health network.
Orlando Health Jewett Orthopedic Institute
One of the largest orthopedic specialty centers in the Southeast — critical for Medicare seniors needing joint replacement or spine care.
Medicare Coverage at Orlando Health: What You Need to Know
Orlando Health and Medicare: Central Florida's Level I Trauma System
Orlando Health operates one of only two Level I Trauma Centers in Central Florida (Orlando Regional Medical Center), making it the primary destination for the most serious trauma cases in the region. For Medicare beneficiaries, understanding which plans cover Orlando Health — and at what cost — is critical, especially given the system's role in cardiac, cancer, and orthopedic care.
Medicare Advantage Coverage at Orlando Health
Orlando Health participates in most major Medicare Advantage networks serving Orange County. Humana, Florida Blue, UnitedHealthcare, Aetna, WellCare, and Devoted Health have historically included Orlando Health in their networks. However, network participation changes annually — and coverage at Orlando Health's specialty centers (like the Jewett Orthopedic Institute) may differ from the main hospital. Always verify before enrolling.
Orlando Health as a Level I Trauma Center
Orlando Regional Medical Center holds a Level I Trauma Center designation — the highest level of trauma care. Medicare law requires all Medicare Advantage plans to cover emergency care at any hospital, including Orlando Health, regardless of network status. However, post-stabilization inpatient care may be subject to network rules and prior authorization requirements.
Orlando Health Jewett Orthopedic Institute and Medicare
The Jewett Orthopedic Institute is one of the most important Medicare considerations for seniors in Central Florida. Joint replacement (hip, knee, shoulder) is one of the most common procedures for Medicare beneficiaries. With Medigap, you can access Jewett's specialists without prior authorization. With Medicare Advantage, prior authorization is typically required for elective orthopedic procedures.
Medigap Plans at Orlando Health: Unrestricted Access
Because Orlando Health accepts Original Medicare, any Medigap plan gives you full access to all Orlando Health facilities — with no prior authorization, no referrals, and no network restrictions. Medigap Plan G is the most popular choice for Central Florida seniors: after the Part B deductible, you pay nothing for Medicare-covered services at any Orlando Health facility.
Orlando Health Bayfront Health St. Petersburg
Orlando Health's acquisition of Bayfront Health St. Petersburg extends the system's reach to Pinellas County. For Medicare beneficiaries in St. Petersburg, Bayfront Health is a Level II Trauma Center with comprehensive services. Coverage at Bayfront Health under Medicare Advantage depends on your specific plan's Pinellas County network — which may differ from the Orlando-area network.
Frequently Asked Questions
Does Orlando Health accept Medicare?
Yes — all Orlando Health campuses accept Original Medicare (Parts A and B). For Medicare Advantage, coverage depends on the specific plan and campus. William verifies Orlando Health network status for every plan he recommends.
Which Medicare Advantage plans cover Orlando Health?
Most Medicare Advantage plans serving Orange County include Orlando Health in their networks. Top carriers include Humana, Florida Blue, UnitedHealthcare, Aetna, and Devoted Health. Network participation changes annually — William checks current status before recommending any plan.
Is the Jewett Orthopedic Institute covered by Medicare Advantage?
The Jewett Orthopedic Institute is part of the Orlando Health system and is included in most Medicare Advantage networks serving Orange County. However, prior authorization is typically required for elective orthopedic procedures under Medicare Advantage.
Does Orlando Health Bayfront accept Medicare Advantage in St. Petersburg?
Orlando Health Bayfront Health St. Petersburg accepts most Medicare Advantage plans serving Pinellas County. Coverage may differ from the Orlando-area network — William verifies Pinellas County coverage separately.
What is the best Medicare plan for Orlando Health patients?
For unrestricted access to all Orlando Health campuses and specialists, Medigap Plan G is typically the best option. Medicare Advantage plans may offer lower premiums but with network and prior authorization requirements. William compares both options for your specific situation.
Does Orlando Health accept Medicare for cancer treatment?
Yes — the Orlando Health Cancer Institute accepts Original Medicare for all covered cancer treatments. For Medicare Advantage, prior authorization may be required for certain cancer therapies. William verifies coverage before recommending any plan.
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.
Does Your Plan Cover Orlando Health?
William Gray verifies Orlando Health network status for every plan he recommends. Free service — no pressure, no obligation.
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.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.
Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.
Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.