Urgent Care Clinic Accepting Insurance in Palm Bay, FL

At Restore Health Urgent Care in Palm Bay, FL, we are committed to making quality healthcare accessible to everyone in our community. To better serve our patients, we accept a broad range of insurance plans, including major providers such as:

• Aetna
• Ambetter from Sunshine Health
• American Choice Provider Network
• BlueCross
• Blue Shield Florida – Florida Blue
• CarePlus Health Plans, Inc
• CareWorks
• Cigna
• Cigna Healthspring (Medicare Advantage)
• Corvel
• Department of Labor
• HealthSmart
• Humana Medicare
• Medicare
• Railroad Prime Health Services, Inc
• Procura
• Three Rivers Provider Network
• TRICARE Prime
• TriWest Healthcare Alliance
• United Healthcare
• USA Managed Care Organization
• WorkWell
• Zelis
• Humana
• Florida Healthcare Plans
• Parrish

Are you currently uninsured? Ask our staff about our affordable self-pay rates. Did you know we also have a VIP Membership? Click here to learn more. It is the patient’s responsibility to know and understand the benefits associated with their insurance. If claims are denied due to limitations in coverage or if a patient has a deductible that has not been met, the patient will be responsible for the remaining balance of their claim. A patient’s insurance must be active at the time of the visit. If a claim is denied due to a lapse in coverage, the patient will be responsible for the total amount of the visit. Payment of applicable co-pays, co-insurance, or deductibles is expected at the time of your visit. The staff makes every effort to determine, to the best of their ability, what those costs will be and will inform you before seeing the doctor.

*Certain plans will not have any out-of-state/area benefit coverage

Before your visit to Restore Health Urgent Care, it’s important to confirm that your insurance plan is accepted to avoid any unexpected expenses. Here’s how you can verify your coverage:
 
• Check our Website: Visit the official website, where you may find a list of accepted insurance providers or additional information about payment options.
• Call the Clinic Directly: If insurance details are not available online or you need specific confirmation, call us directly. Have your insurance card ready so you can provide the staff with your insurance company name and plan details. The staff will be able to check whether your insurance is accepted.
• Contact Your Insurance Provider: You can also contact your insurance company—either by calling their customer service number or checking their online member portal. Ask if Restore Health Urgent Care is included in your network of covered providers.
 
Taking these steps before your appointment will help ensure a smooth check-in process and prevent any surprises regarding your coverage or out-of-pocket costs. If you have any questions or need assistance, the team is happy to help!

We strive to provide you with fast, high-quality medical attention for non-life-threatening illnesses and injuries. Many of our services are covered by most health insurance plans, but coverage can vary depending on your specific policy. Typically, insurance plans include urgent care visits for conditions like flu symptoms, ear infections, minor sprains, small cuts, and mild asthma attacks. Diagnostic services provided at Restore Health Urgent Care are generally covered if your provider determines they are medically necessary.
 
Our on-site procedures, including wound care, splinting, and minor surgical interventions, are also often included in insurance coverage. If you are prescribed medication during your visit, your plan may cover the cost, though you might need to fill the prescription at your pharmacy. Keep in mind that certain services—such as routine physicals, or ongoing management of chronic conditions—may not be covered at an urgent care facility or may be subject to different copays or deductibles.
 
To avoid unexpected charges and make the most of your visit to Restore Health Urgent Care, we recommend checking with your insurance provider before your visit. Ask about your urgent care benefits, any preferred urgent care networks, and the details of your copayments or deductible. If you have questions about what your insurance covers, our team is here to help. Contact us anytime for more information and to ensure you get the care you need—quickly and affordably.

Whether your visit to Restore Health Urgent Care is covered by insurance depends on your specific health insurance plan. Most major health insurance policies—including many employer-sponsored plans, Medicaid, and Medicare—do offer coverage for urgent care services, but coverage details can vary.
 
In-Network vs. Out-of-Network Restore Health Urgent Care accepts most major insurance plans and works with many insurance networks. If Restore Health Urgent Care is in-network with your insurance provider, you will usually be responsible for a copayment or coinsurance, similar to a primary care visit. Sometimes, the urgent care copay may be slightly higher. If your plan considers us out-of-network, your costs may be higher, and you might need to pay upfront and submit a claim for possible reimbursement, depending on your plan’s out-of-network benefits.
 
How to Check Your Coverage Before your visit, we recommend calling your insurance company to confirm that Restore Health Urgent Care is in-network for your plan and to understand your out-of-pocket costs. You can find this information by calling the customer service number on your insurance card or by checking your insurer’s website. Some insurance plans require you to meet your annual deductible before urgent care visits are covered, so you may be responsible for the full cost if you have not met your deductible for the year.
 
HMO and PPO Plans
• If you have an HMO plan, you may need a referral from your primary care doctor or may need to use urgent care centers approved by your plan.
• With a PPO plan, you typically have more flexibility to visit any urgent care clinic, but you’ll save money by choosing an in-network facility like Restorle Health Urgent Care.
 
What to Bring to Your Visit When you come to Restore Health Urgent Care, please bring your insurance card and a valid photo ID. Our front desk staff will verify your coverage and let you know about any expected charges before your visit.
 
If you’re not sure whether your insurance covers urgent care visits at Restore Health Urgent Care, we encourage you to contact your insurance provider in advance. This can help you avoid any unexpected medical bills. For more information, contact us or schedule an appointment online. Our clinic is located at 1840 Eldron Blvd SE. Suite 1 Palm Bay, FL 32909. We serve patients from Palm Bay FL, Melbourne FL, Malabar FL, June Park FL, ​Grant-Valkaria FL, and surrounding areas. Walk-ins Welcome.