Insurance & cost

What this will cost you, before you book.

Some of what we do is covered by insurance. A few things generally are not. Here is the honest version of both, and how to get a specific number for your plan.

Check my coverage Call (904) 750-3787

Verified with our billing office, September 2026

Plans we are in network with

If your plan is on this list, you are seen at your in-network benefit level. Plans within a carrier differ, so we still verify your specific policy before your visit.

Florida Blue / Blue Cross Blue Shield of Florida — HMO and PPO.
UnitedHealthcare — HMO, PPO and Choice Plus.
UMR (United Medical Resources).
Medicare and Medicare Advantage, including AARP Medicare plans.
TRICARE For Life.
Cigna.

Have your card in hand and call (904) 750-3787. We will confirm participation for your exact plan and verify your benefits before anything is scheduled.

Coverage details by plan

Each of these goes into what the plan actually covers here, what it tends to require first, and what to bring: Florida Blue, UnitedHealthcare, UMR, Medicare and Medicare Advantage, TRICARE For Life, Cigna.

So you are not surprised at the desk

Plans we are not in network with

We would rather tell you now than at check-in. Being out of network does not mean we cannot see you: we accept any insurance and bill it out of network, and we will walk through what that would cost you before you book anything. Florida Medicaid is the one exception — call us and we will tell you plainly where you stand.

Medicaid, including Sunshine Health and other Florida Medicaid plans.
Aetna.
Humana.
Ambetter.
Medica.

Carrier networks change. If your plan is on this list, it is still worth a call to (904) 750-3787 — we recheck before we turn anyone away.

The short version

Diagnostic visits and the majority of interventional procedures — epidural injections, facet and medial branch blocks, joint injections, radiofrequency ablation, nerve stimulation — are billed to insurance as medical procedures. What you pay depends on your plan: your deductible, your co-insurance, and whether the plan requires prior authorisation for that specific procedure.

Regenerative treatments are the exception. Platelet-rich plasma and bone marrow concentrate procedures are generally not covered by insurance in the United States, and are quoted directly. SoftWave therapy is likewise usually self-pay. We will tell you which category your treatment falls into before it is scheduled, not after.

We do not publish a fee list, because the honest answer for any individual is a function of their plan rather than of our chargemaster. What we will do is verify your benefits and give you a specific estimate before you commit to anything.

What drives what you pay

Your deductible

If you have not met it for the year, procedures apply against it. Early in the calendar year this is usually the biggest single factor.

Prior authorisation

Many plans require approval before an injection or ablation. We handle the submission; it typically adds days, not weeks.

Facility vs. office

Procedures done in our office avoid a separate hospital facility fee. That is often a meaningful difference in what you are billed.

Diagnostic vs. therapeutic

A diagnostic block and the treatment it points to are billed separately. We will say up front when a plan involves two steps.

Regenerative procedures

PRP and bone marrow concentrate are quoted as self-pay. You get the number before scheduling.

Referral requirements

Some plans need a referral on file before a specialist visit will be covered. We check this when we verify benefits.

Insurance questions

Do you take my insurance?

We are in network with Florida Blue (HMO and PPO), UnitedHealthcare (HMO, PPO and Choice Plus), UMR, Medicare and Medicare Advantage including AARP Medicare plans, TRICARE For Life, and Cigna. We are not contracted with Aetna, Humana, Ambetter or Medica — but we accept those plans and bill them out of network, so they are still worth a call. Florida Medicaid is the one exception: we are not contracted with it and we do not bill it out of network. Plans within a carrier vary, so call (904) 750-3787 with your member ID and we will confirm exactly how yours would be handled.

Can you tell me what I will owe before the procedure?

Yes. Once benefits are verified we can give you an estimate of your responsibility for the specific procedure being planned. Ask for it — we would rather you know.

Is PRP or stem cell therapy covered?

Generally no. Regenerative orthobiologic procedures are not currently covered by most United States insurance plans, and are quoted as self-pay. Any office telling you otherwise is worth a second question.

Do you offer payment plans for self-pay treatments?

Ask when you call. Options vary by treatment and we would rather discuss it directly than post something that may not apply to your situation.

What about Medicare?

We are in network with both traditional Medicare and Medicare Advantage, including AARP Medicare plans. Advantage plans are run by private carriers and each has its own rules, so call (904) 750-3787 with your card and we will confirm how your specific coverage applies to the procedure being considered.

Do you accept TRICARE?

We are in network with TRICARE For Life. Other TRICARE plans are not in our network — call (904) 750-3787 before booking and we will tell you where you stand.

My plan is not on your in-network list. Can I still be seen?

Yes. We accept any insurance and bill it out of network. Call (904) 750-3787 and we will tell you what being out of network would mean for you, and what you would pay, before you commit to an appointment.

Eliminate pain and reclaim your life.

Request an appointment with Dr. Loch, or call the office at (904) 750-3787. Most patients are seen within a week.

Request an appointment