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Orlando & Central Florida · Questions answered
AdventHealth or Orlando Health? How to check your doctors before you pick a Medicare plan
By Ankur Mehta, licensed independent insurance agent based in Maitland, FL · Updated October 28, 2026
Short answer: Before you choose a Medicare Advantage plan in Central Florida, confirm that your primary doctor, your specialists and your preferred hospital, whether AdventHealth, Orlando Health or another system, are in that plan’s network for next year. Networks can change every year.
Why this matters in Central Florida
Most doctors in the Orlando area are connected to a large health system, such as AdventHealth or Orlando Health. Many Medicare Advantage plans here are built around specific networks. If your doctor or hospital isn’t in a plan’s network, you may pay much more, or the visit may not be covered at all except in emergencies.
HMO vs. PPO
- HMO plans usually cover care only from in-network doctors and hospitals, except emergencies and urgent care, and often need referrals for specialists.
- PPO plans let you see out-of-network doctors, but you usually pay more.
- Original Medicare with a Medicare Supplement lets you see any doctor or hospital in the U.S. that accepts Medicare, with no network.
How to check your doctors
- Make a list of every doctor and specialist you see, plus your preferred hospital.
- Look each one up in the plan’s provider directory for next year, not this year.
- Call the doctor’s office and ask, “Are you in network with this specific plan for next year?” Name the exact plan, not just the insurance company.
- Check your prescriptions and pharmacy at the same time.
Check again every fall
Networks can change from year to year. During Medicare Annual Enrollment, October 15 to December 7, review your plan’s Annual Notice of Change and confirm your doctors are still in network.
Let me do the checking
When I compare plans for Central Florida clients, I check your doctors, specialists, hospital and pharmacy against each plan before you decide. My help is free.
Want a second set of eyes? Call (904) 612-3757 or request a free review. See also: Medicare help in Orlando and Central Florida.
We do not offer every plan available in your area. Currently we represent 16 Medicare organizations which offer 285+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Not affiliated with any government agency, including Medicare.