We Accept Medicare at Our Miami Lakes and Kendall Offices

What a visit costs with Original Medicare

Doctor visits fall under Medicare Part B. In 2026 the standard Part B premium is $202.90 a month, more for people with higher incomes, and the yearly Part B deductible is $283 (CMS). Once you’ve met the deductible, you usually pay 20% of the Medicare-approved amount for a doctor’s services (Medicare.gov).

2026 Part B	Amount	What it means
Monthly premium	$202.90 (standard)	What most people pay each month for Part B; higher incomes pay more
Yearly deductible	$283	What you pay for covered care before Medicare starts to pay
Coinsurance	Usually 20%	Your share of the Medicare-approved amount after the deductible
Most preventive services	$0	When your provider accepts assignment

These are the 2026 amounts; the 2027 amounts will be posted at Medicare.gov.

Why “accepts assignment” matters. A provider who accepts assignment takes the Medicare-approved amount as full payment, can charge you only the Medicare deductible and coinsurance, and has to send the claim to Medicare for you. A provider who doesn’t accept assignment can, in many cases, charge up to 15% more than the Medicare-approved amount, which is called the limiting charge. Most providers accept assignment, but Medicare suggests you always check (Medicare.gov), so ask when you call.

Preventive care Medicare covers at no cost

You pay nothing for most preventive services when you get them from a provider who accepts assignment (Medicare.gov). These are the ones that most often come up in primary care:

Service	How often Part B covers it	Your cost
Yearly “Wellness” visit	Once every 12 months	$0 with assignment; the Part B deductible doesn’t apply
“Welcome to Medicare” visit	Once, within your first 12 months of Part B	$0 with assignment
Flu vaccine	Usually once each flu season	$0 when the provider accepts assignment for giving it
Cholesterol and other heart-risk blood tests	Once every 5 years	$0 with assignment
Diabetes screening, if you’re at risk	Up to 2 a year	$0 with assignment
Depression screening, in a primary care setting	Once a year	$0 with assignment
Stool test for hidden blood (colon cancer), age 45 and older	Once every 12 months	$0 with assignment

One catch to know about: if a polyp is found and removed during a screening colonoscopy, you pay 15% of the Medicare-approved amount for the provider’s services, plus a 15% coinsurance to the facility if it’s done in a hospital outpatient department or surgery center (Medicare.gov).

The Wellness visit is not a physical

Original Medicare doesn’t cover routine physical exams (Medicare.gov). What it covers instead is a yearly “Wellness” visit, a conversation with your provider to develop or update a personalized plan to help prevent disease, based on your current health and risk factors (Medicare.gov). If extra tests or services that Medicare doesn’t cover are done at the same visit, such as a routine physical exam, you may have to pay the full amount for them. So say which visit you want when you book, and if a symptom is bothering you, Medicare suggests a separate appointment for it. Our annual physicals page explains how the two visits differ, and blood work is drawn at both offices.

Medicare Advantage: check the network first

Medicare Advantage plans each set their own costs and rules, and those can change every year. You may need to use doctors in the plan’s network for non-emergency care, and you may need a referral to see a specialist (Medicare.gov). In an HMO plan you usually need a referral for a specialist, though some services, such as a yearly screening mammogram, don’t need one (Medicare.gov). In a PPO plan you can generally see providers outside the network for covered services, but you’ll usually pay more (Medicare.gov).

Medicare’s own advice is to ask your doctors whether they’re in network with your plan. With Ambert, that’s one call to the Miami Lakes or Kendall office. Have your plan card in front of you, and reception will tell you before you book.

When you can change your coverage

Enrollment period	Dates	What you can do
Open Enrollment	October 15 to December 7	Switch between Original Medicare and Medicare Advantage, or change plans; coverage starts January 1
Medicare Advantage Open Enrollment	January 1 to March 31	Only if you’re already in a Medicare Advantage plan: switch to another one, or go back to Original Medicare

Source: Medicare.gov. If you’re thinking of switching, check that the doctors you want to keep are in the new plan’s network before you enroll.

Free, unbiased help choosing a plan

Florida’s free Medicare counseling program is SHINE, short for Serving Health Insurance Needs of Elders, run by the Florida Department of Elder Affairs with local Area Agencies on Aging. Its counselors are trained volunteers, and like every state’s health insurance assistance program, it isn’t connected to any insurance company or health plan. SHINE services are free, unbiased and confidential (Florida SHINE). Call 1-800-96-ELDER (1-800-963-5337), or TDD/TTY 1-800-955-8770.

To look up any doctor, Medicare’s Care Compare tool lists doctors and clinicians enrolled in Medicare (Medicare.gov). For Ambert’s own team, see our providers, all five of whom speak English and Spanish. New to the practice? The new patient guide covers what to bring, and the insurance page lists the other plan types we accept, including Medicaid.