Mayo Clinic Medicare Guide
Does Mayo Accept Your Plan?
Mayo Clinic Jacksonville accepts Original Medicare — but only select Medicare Advantage plans. This guide explains exactly how Medicare works at Mayo Clinic, which plans include Mayo in-network, and how to make sure you never lose access to the care you need.
Completes new client intake & Medicare Scope of Appointment — books directly on William's calendar
Not All Medicare Advantage Plans Include Mayo Clinic
Mayo Clinic Jacksonville participates in select Medicare Advantage plans only. If you enroll in an MA plan that does not include Mayo in-network, you may face significant out-of-pocket costs or be unable to use Mayo for non-emergency care. Always verify Mayo Clinic network status before enrolling in any Medicare Advantage plan. William Gray checks this for every Jacksonville-area client at no charge.
Mayo Clinic Florida Locations
Mayo Clinic — Jacksonville, FL (Main Campus)
4500 San Pablo Rd S, Jacksonville, FL 32224
ZIP: 32224 · (904) 953-2000
Full hospital and outpatient campus — the primary Florida location for Mayo Clinic's complete range of diagnostic and treatment services.
Key Specialties:
Mayo Clinic — Ponte Vedra, FL
12000 Sawgrass Village Cir, Ponte Vedra Beach, FL 32082
ZIP: 32082 · (904) 953-2000
Outpatient clinic serving St. Johns County — primary care, preventive medicine, and select specialty services.
Key Specialties:
How Each Medicare Type Works at Mayo Clinic
Original Medicare (Parts A & B)
- Mayo Clinic accepts Original Medicare for all patients
- No network restrictions — use Mayo for any covered service
- You pay 20% of Medicare-approved costs (Part B coinsurance)
- No referral needed for specialist visits
Medicare Advantage (Part C)
- Mayo participates in select MA plans — not all
- HMO plans: Mayo must be in-network for routine care
- PPO plans: out-of-network care possible but costly
- Emergency care always covered at any hospital
- Verify network status before enrolling — it changes annually
Medigap (Medicare Supplement)
- Plan G, Plan N, and all Medigap plans work at Mayo
- Medigap covers your share of Original Medicare costs
- No network restrictions — nationwide coverage
- Plan G covers nearly all out-of-pocket costs at Mayo
- Best choice for patients who prioritize Mayo access
How William Verifies Mayo Clinic Coverage for Jacksonville Residents
William Gray has been helping Jacksonville-area seniors navigate Medicare since 2015. One of the most common mistakes he sees: clients enrolling in a Medicare Advantage plan that looks great on paper — $0 premium, dental, vision, gym — only to discover that Mayo Clinic is not in-network.
Before recommending any Medicare Advantage plan to a Jacksonville resident, William checks:
- Whether Mayo Clinic Jacksonville (main campus) is in-network
- Whether the Ponte Vedra outpatient clinic is in-network
- Whether the plan is HMO or PPO (affects referral requirements)
- Whether your specific Mayo Clinic specialists are in-network
- Whether the plan's formulary covers your prescriptions
Get a Free Mayo Clinic Network Check
Call William today to verify whether your current plan covers Mayo Clinic — or to compare plans that do.
Completes new client intake & Medicare Scope of Appointment — books directly on William's calendar
Mayo Clinic Medicare — Frequently Asked Questions
Does Mayo Clinic Jacksonville accept Original Medicare?
Yes. Mayo Clinic Jacksonville accepts Original Medicare (Parts A and B) for all patients. If you have Original Medicare — with or without a Medigap supplement — you can use Mayo Clinic for any covered service. Your Medicare card is accepted directly, and any Medigap plan (Plan G, Plan N, etc.) will cover your share of the costs.
Does Mayo Clinic accept Medicare Advantage plans?
Mayo Clinic Jacksonville participates in select Medicare Advantage plans — but not all. Mayo is selective about which MA plans it joins because it requires plans to meet its standards for care coordination and reimbursement. Before enrolling in any Medicare Advantage plan, William verifies whether Mayo Clinic is in-network for that specific plan in your ZIP code. This is one of the most important checks he performs for Jacksonville-area residents.
Which Medicare Advantage plans include Mayo Clinic Jacksonville?
Plan participation changes annually. As of 2026, select plans from Humana, UnitedHealthcare, and Florida Blue have included Mayo Clinic Jacksonville in their networks — but this varies by plan type (HMO vs. PPO) and changes during Annual Enrollment. William checks current network status for every plan before making a recommendation. Call (386) 871-3858 for the most current information.
What is the best Medicare plan if I want to use Mayo Clinic?
For patients who want guaranteed access to Mayo Clinic Jacksonville, Medigap (Medicare Supplement) Plan G is often the best choice. With Plan G, you have Original Medicare plus a supplement that covers nearly all out-of-pocket costs — and Original Medicare is accepted by Mayo Clinic for all patients. You never have to worry about network restrictions. Medicare Advantage can also work if you choose a plan that includes Mayo in-network, but you must verify this each year.
Can I see a Mayo Clinic specialist without a referral under Medicare?
Under Original Medicare with Medigap, you can generally self-refer to any Medicare-participating specialist, including Mayo Clinic specialists. Under Medicare Advantage HMO plans, you typically need a referral from your primary care physician. Under Medicare Advantage PPO plans, you can usually see specialists without a referral, though out-of-network costs may apply if Mayo is not in your plan's network.
Does Mayo Clinic Ponte Vedra accept Medicare?
Yes. The Mayo Clinic outpatient clinic in Ponte Vedra Beach accepts Original Medicare. For Medicare Advantage, network participation at the Ponte Vedra location follows the same rules as the Jacksonville main campus — it depends on your specific plan. William verifies both locations when checking network status for St. Johns County residents.
What happens if I need emergency care at Mayo Clinic and I have Medicare Advantage?
Medicare Advantage plans are required by federal law to cover emergency care at any hospital, regardless of network status. If you have a true medical emergency at Mayo Clinic Jacksonville, your Medicare Advantage plan must cover it at in-network rates. However, follow-up care and non-emergency services at Mayo may not be covered if Mayo is out-of-network for your plan.
Does Mayo Clinic accept Medigap Plan G?
Yes. Medigap Plan G works alongside Original Medicare — it is not a separate insurance plan that Mayo must join. Any provider that accepts Original Medicare (including Mayo Clinic) will accept your Medigap Plan G. Plan G covers the Medicare Part B deductible and all other Medicare cost-sharing, leaving you with very predictable out-of-pocket costs at Mayo Clinic.
How do I find out if my current Medicare Advantage plan covers Mayo Clinic?
The most reliable way is to call William Gray at (386) 871-3858. He checks current network status directly with carriers for every plan he recommends. You can also call your plan's member services number and ask specifically whether Mayo Clinic Jacksonville (NPI: 1003807649) is in-network for your plan. Do not rely on the plan's online provider directory alone — it is often outdated.
What ZIP codes are closest to Mayo Clinic Jacksonville?
Mayo Clinic's main Jacksonville campus is in ZIP 32224 (Beach Blvd / San Pablo area). Nearby ZIPs include 32256 (Baymeadows/Southside), 32246 (Town Center/East Jacksonville), 32225 (Regency/Arlington), and 32082 (Ponte Vedra Beach). William serves all of these ZIP codes and can compare plans that include Mayo in-network for each area.
Does Mayo Clinic offer cancer treatment under Medicare?
Yes. Mayo Clinic Jacksonville has an NCI-designated cancer center that accepts Original Medicare for all covered cancer treatments — chemotherapy, radiation, surgery, and clinical trials. For Medicare Advantage patients, coverage depends on whether Mayo is in-network for your plan. Clinical trial coverage under Medicare Advantage may also vary. William can help you evaluate your options if you or a family member is facing a cancer diagnosis.
Can I switch Medicare plans to get Mayo Clinic coverage?
Yes — during the Annual Enrollment Period (October 15 – December 7) or a qualifying Special Enrollment Period. If your current Medicare Advantage plan does not include Mayo Clinic and you want to switch to one that does — or switch to Original Medicare with Medigap — William can help you evaluate your options and handle the enrollment. Changes made during AEP take effect January 1.
Related Medicare Resources
Want to Keep Mayo Clinic? Let's Find the Right Plan.
William Gray verifies Mayo Clinic network status for every plan he recommends — free service, no pressure. Call today or schedule a free consultation.
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.