Insurance Accepted at Ambert Medical in Miami Lakes and Kendall

How to check your plan

The fastest way is a two-minute phone call. Have your insurance card in front of you and call the office you plan to visit, at (305) 556-0021. Reception needs three things from the card: the insurance company, the plan name and your member ID. Do it before your first visit, and again whenever your plan changes, which for many people is January.

What your plan usually covers here

Preventive care. Most health plans must cover a set of preventive services, such as blood pressure, cholesterol and diabetes screening, depression screening and many vaccines, without a copay or coinsurance when you see an in-network provider, even before you've met your deductible (HealthCare.gov). Your plan may still charge for the office visit itself, though you won't pay extra for the preventive service that's part of it (HealthCare.gov), and additional services at the same visit may be billed. A plan can't charge cost-sharing for a visit made mainly for preventive care when that care isn't billed separately (CMS).

Office visits for a problem, such as a same-day sick visit or care for diabetes or blood pressure, are billed under your plan's usual copay, coinsurance or deductible.

Lab tests depend on your plan and on the test; most blood panels are processed by an outside laboratory. See blood work and lab tests.

Medicare and Medicaid

With Medicare, the visit most people want each year is the yearly "Wellness" visit, which costs nothing when your provider accepts assignment; Original Medicare doesn't cover routine physical exams (Medicare.gov). Our Medicare guide covers costs, Medicare Advantage and the enrollment dates. Most Florida Medicaid members get their care through a managed-care health plan; our Medicaid guide explains how to check that yours includes Ambert.

ACA Marketplace plans

Marketplace plans are the individual plans sold through HealthCare.gov, which is where Floridians shop for them. Like most plans, they must cover preventive care without a copay when you use an in-network provider, which is why checking that Ambert is in your plan's network matters before your first annual physical.

When you can enroll. Open Enrollment for 2027 coverage runs from November 1, 2026, to January 15, 2027. Enroll or change plans by December 15 for coverage that starts January 1; for plans chosen from December 16 to January 15, coverage starts February 1 once you pay the first premium (HealthCare.gov). Outside that window, a qualifying life event, such as losing other health coverage, usually gives you 60 days to enroll, and if you lost Medicaid or CHIP in the past 90 days you may qualify too (HealthCare.gov).

Why the plan type matters. An HMO generally won't cover care outside its network except in an emergency, an EPO covers only in-network care except in an emergency, and a PPO lets you see providers outside the network without a referral, at an additional cost (HealthCare.gov). One of HealthCare.gov's own suggestions for finding out whether a doctor takes your plan is the same as ours: call the doctor's office (HealthCare.gov).

No insurance?

Call the office before you come and ask about self-pay visits, so you know what to expect before the appointment. If you need coverage, HealthCare.gov shows the Marketplace plans available to you, and some people qualify for Florida Medicaid, which accepts applications at any time of year; our Medicaid guide explains how to apply. New to the practice? The new patient guide covers what to bring.