INSURANCE & BILLING
Insurance Plans and Networks
Flow Heart & Vascular participates with many commercial, Medicare, Medicare Advantage, Medicaid/AHCCCS, military, veterans, and workers’ compensation plans.
Participation is specific to the exact plan, product, network, employer group, medical group, service, and current office location. A company name on this page does not mean that every plan offered by that company is included.
Insurance information is current through .
CURRENT PUBLIC LIST
Plans and networks by coverage type
Browse by coverage type or use the search above.
EMPLOYER + INDIVIDUAL COVERAGE
Commercial and Employer-Sponsored Plans
- Aetna
- Banner|Aetna
- Aetna Signature Administrators
- Meritain Health
- Blue Cross Blue Shield of Arizona (AZ Blue)
- AmeriBen plans using the AZ Blue network
- Cigna
- Humana commercial plans
- UnitedHealthcare
- UMR
- Golden Rule
- Oscar
- Ambetter from Arizona Complete Health
- ACA StandardHealth with Health Choice
Participating PPO and Network Arrangements
- MultiPlan / PHCS / Medi-Share network arrangements
- Prime Health Services
- USA Managed Care Network
FEDERAL + PRIVATE MEDICARE COVERAGE
Medicare and Medicare Advantage
- Original Medicare
- Aetna Medicare
- AZ Blue Medicare plans, including BlueJourney and Blue Best Life where applicable
- eternalHealth Medicare Advantage
- Humana Medicare Advantage
- UnitedHealthcare and AARP Medicare Advantage plans
- SCAN Health Plan
- Wellcare Medicare Advantage
- AZ Blue Health Choice Pathway (HMO D-SNP)
- Medicare supplement plans when Original Medicare is primary
ARIZONA MEDICAID
Medicaid / AHCCCS
- Arizona Complete Health – Complete Care Plan
- Arizona Complete Health – Long Term Care (ALTCS)
- AZ Blue Health Choice Arizona
AHCCCS participation is plan-specific. Flow Heart & Vascular’s enrollment with AHCCCS does not mean that every AHCCCS managed-care plan is accepted. Please call so the office can review your exact plan.
FEDERAL PROGRAMS
Military and Veterans
- TRICARE West
- VA Community Care Network
- CHAMPVA
TRICARE, VA Community Care, and some other plans may require a referral or written authorization before specialty services. Please provide all referral or authorization information when requesting an appointment.
AUTHORIZED WORK-RELATED CARE
Workers’ Compensation
- CorVel Workers’ Compensation
- The Hartford Workers’ Compensation
- Applicable AZ Blue workers’ compensation plans
Workers’ compensation visits require the claim number, employer, date of injury, adjuster information, and written authorization before services are scheduled.
VERIFY THE EXACT PLAN
Have your insurance card ready
Call the office with your card so we can review your plan, referral requirements, and prior authorization.
UNINSURED AND SELF-PAY PATIENTS
Your right to a Good Faith Estimate
If you do not have health insurance or choose not to use it, you have the right to a written estimate of the expected charges for your health care before you receive the service. This includes self-pay consultations and written cardiovascular records reviews.
You can request an estimate before deciding whether to schedule care. The estimate explains the expected cost of the items and services involved, including related tests, medicines, equipment, and facility fees when applicable.
- For care scheduled 3–9 business days ahead, the written estimate is due within 1 business day after scheduling.
- For care scheduled at least 10 business days ahead, it is due within 3 business days after scheduling.
- If you request an estimate before scheduling, it is due within 3 business days of your request.
Keep your estimate so you can compare it with your bill. If a provider or facility bills you $400 or more above its estimate, you may be eligible to dispute the charges through the federal patient-provider dispute resolution process.
To request an estimate from Flow Heart & Vascular, call 480-571-1863. For details about your rights and how to dispute a bill, visit CMS No Surprises information ↗ or call 1-800-985-3059.
COMMON QUESTIONS
Before your visit
Call if your card, medical group, or referral paperwork uses a name that does not appear exactly as written above.
How can I confirm whether my exact plan participates?
Insurance companies often offer multiple products and networks under the same brand. Call 480-571-1863 with the information on your card. The office will review whether Dr. Patel, the Flow Heart & Vascular group, and the current office location participate with your specific plan. Your insurer determines final coverage and payment.
Do I need a referral or prior authorization?
Some HMO, Medicare Advantage, AHCCCS, TRICARE, VA Community Care, and delegated medical-group plans require a referral or prior authorization. The office will review what is needed before the appointment.
Do you participate with Original Medicare and Medicare Advantage?
Flow Heart & Vascular participates with Original Medicare and multiple Medicare Advantage plan families. Medicare Advantage participation is specific to the exact plan and network.
Do you participate with AHCCCS?
The current public list includes Arizona Complete Health Complete Care Plan, Arizona Complete Health ALTCS, and AZ Blue Health Choice Arizona. This does not mean that every AHCCCS plan is included; please call to verify your exact plan.
What if my insurance is not listed?
Please call the office. Some employer plans use a third-party administrator or network name—such as UMR, Meritain Health, AmeriBen, MultiPlan, or PHCS—that may differ from the insurance company shown on the card.
Does being in network mean every service is covered?
Not necessarily. Coverage, deductibles, copays, coinsurance, referrals, and prior authorization depend on the specific plan and service. The office can help review benefits, but the insurance company determines final coverage and payment.
NOT SURE WHETHER YOUR PLAN IS INCLUDED?
Call before the visit
Have your current card available. The office can review network participation, referral requirements, and prior authorization; your insurer can confirm benefits and expected costs.
