1. What insurance do you take?

Blue Cross Blue Shield



Medicare (Until January 1, 2021)

Why aren’t we taking Medicare and Tricare?

There have been increasing pressures, both financial and administrative, with regards to providing care for Medicare patients. Congress has repeatedly failed to take corrective measures to ensure our practice’s long-term participation with the program. In an effort to maintain our commitment to our practice philosophy, and at the same time, honor the commitments to our own personal families, we have made a difficult decision that will affect many of our patients. 

Effective January 1, 2021, we will officially opt out of Medicare. By opting out of Medicare, this means that Medicare and Medicare Advantage plans will no longer pay for services that you receive from our office. We realize the ramifications that this decision will have on many of you, but also realize that it is necessary to help ensure the overall long-term viability of our practice. We have to continually adapt to an ever-changing healthcare environment, and this has certainly proven to be quite difficult for obvious reasons. We stand committed to continue providing the highest quality, personalized, comprehensive primary medical care that you have come to know. You can contact our office for further information regarding alternative payment arrangements for services or to have your records forwarded to another medical provider of your choice, if alternative payment is just not an option for you. It has truly been an honor and privilege to serve you over the years and we feel blessed that so many of you have entrusted your and your family’s care to us. 


United Healthcare – including Golden Rule and UMR



Tricare (until January 1st 2020)

Insurances we do not accept:


BCBS: My Blue, Simply Blue HMO, Medicare MyTime

Cigna Baycare

Humana: Gold, HMO, Exchange

  • Premier Okay
  • Patients who are 65 or older with Humana

Tricare Prime (active duty)


-examples: Sunshine health, Amcare, Staywell, Obamacare



Freedom Health/Life

Aetna Medicare **HMO & PPO**

United Healthcare: HMO (thru the market place), Oxford, Compass

Anything that doesn’t sound familiar, please ask for the number on the back of the card and call to verify.

Appointments cannot be confirmed until insurance is confirmed. 

If you’re not sure, please give our office a call at 813-402-8779

2. Are you accepting new patients?

Only our Nurse Practitioner, Nicole Loftis is taking New Patients at this time.

3. What is your cancellation policy?

We do charge $25 for less than 24 hours cancellation and $25 for no-shows. This will help with opening up appointments for those who are on the waitlist.

4. Do you take Self-Pay Patients?

We are no longer accepting new self-pay patients at this time.  Please call us to verify.

5. What is a deductible and why do I have to pay a deposit?

The insurance deductible is the part of a patient’s covered medical expenses that the individual pays each calendar year before the insurance company starts to pay benefits.  When you have a deductible, you have to come up with the amount of money for your deductible before a claim gets paid in many circumstances. Once you have met your calendar year deductible, the insurance company will pay the rest of the claim value up to the policy limits.

We require a $50 deposit prior to your appointment.  This $50 goes toward paying down the patient’s out-of-pocket costs associated with the visit and also contributes to paying down the patient’s deductible as a whole. Once a patient has met their deductible for the year, we no longer collect the $50. Annual physicals are also not subject to this fee as long as patients follow the guidelines set forth by their insurance plans.

We have decided to implement the $50 deposit at Point of Service for these reasons:

    1. Patient Budgeting: The POS collection helps patients budget their medical spending based on services needed, and it also spreads payments out when they are still coming entirely out-of-pocket. Instead of receiving a bill for services all at once, a patient can pay $50 upfront and then the remainder when it is billed.
    2. Office Budgeting: Knowing that we can count on a steady revenue flow helps us operate our office more smoothly and efficiently. Although we still work closely with patients and their insurance policies, the POS collection ensures at least a partial payment for services even when the insurance company is not yet liable.
    3. Insurance Company Compliance: The agreements patients enter into with their insurance companies are legally binding contracts. By collecting a patient’s financial obligation, we are merely doing our part to enforce the previously agreed-upon contractual terms.

We understand that rising medical costs can make health care seem unaffordable for some people. Palma Ceia Family Care is committed to helping our patients ease this burden in whatever way we can. With our $50 POS collection, we can save money on billing services – keeping the prices for our services down for our patients. We want everyone to receive the highest-quality care available, and we will help you with insurance claims whenever we can. If you have any questions regarding your personal insurance coverage, feel free to contact us at any time. Let Palma Ceia Family Care help with your health and well-being.