Direct answer: Call or text 988 to reach the 988 Suicide & Crisis Lifeline, available 24/7. In Polk County, Peace River Center's 24-hour crisis line is 800-627-5906. If someone is in immediate danger, call 911.
If this is a crisis
The 988 Suicide & Crisis Lifeline is available 24/7 by call or text (988); Peace River Center runs a local 24/7 crisis line at 800-627-5906.
About BayCare Behavioral Health – Winter Haven
BayCare says no one will be denied services at its Winter Haven Center for Behavioral Health based on inability to pay, and a sliding fee discount is available to those who meet eligibility requirements. Call (863) 294-7062.
BayCare Behavioral Health – Winter Haven Hospital Center for Behavioral Health, 1201 First St. S, Winter Haven 33880; (863) 294-7062; outpatient services for adults, adolescents, and children, including chemical dependency; no one denied services for inability to pay; sliding fee discount for those who qualify; uninsured adults line (863) 294-7069.
Marketplace plans must cover essential health benefits including emergency services, hospitalization, pregnancy/maternity/newborn care, mental health and substance use disorder services, and pediatric services.
How Marketplace and employer plans cover behavioral health
Yes. Mental health and substance use disorder services are essential health benefits that Marketplace plans must cover. Networks, prior authorization, and cost-sharing still vary by plan, so check the facility and providers in your plan's directory.
Medicare Part A covers inpatient mental health care; Part B covers outpatient mental health services.
Medicare: Part A inpatient, Part B outpatient
Medicare Part A covers inpatient mental health care in a hospital, and Part B covers outpatient mental health services. Medicare Advantage plans cover these benefits but can use networks and prior authorization.
Medicare Open Enrollment runs October 15 to December 7 (plan must get the request by December 7). The Medicare Advantage Open Enrollment Period runs January 1 to March 31 for people already in a Medicare Advantage plan.
Medicare marketing on this site is for Florida residents. Confirm hospital, doctor, and pharmacy participation with the plan and the office. Original Medicare and Medicare Advantage follow different network rules.
If coverage is denied
What to verify before you enroll
- Search BayCare Behavioral Health – Winter Haven Hospital Center for Behavioral Health / Center for Psychiatry and each doctor by name and location in the plan directory
- Confirm the exact plan ID and year with the billing office
- Check prescriptions and pharmacy separately from the facility listing
- Read urgent-care versus emergency-room cost sharing in the Summary of Benefits
Related coverage questions
- using your therapy benefit
- how to keep your doctor when you change plans
- HMO vs EPO vs PPO
- deductible vs. out-of-pocket maximum
Common questions
What should I do in a mental health crisis?
Call or text 988 to reach the 988 Suicide & Crisis Lifeline, available 24/7. In Polk County, Peace River Center's 24-hour crisis line is 800-627-5906. If someone is in immediate danger, call 911.
Does BayCare Behavioral Health in Winter Haven offer a sliding fee?
BayCare says no one will be denied services at its Winter Haven Center for Behavioral Health based on inability to pay, and a sliding fee discount is available to those who meet eligibility requirements. Call (863) 294-7062.
Do Marketplace plans cover mental health care?
Yes. Mental health and substance use disorder services are essential health benefits that Marketplace plans must cover. Networks, prior authorization, and cost-sharing still vary by plan, so check the facility and providers in your plan's directory.
How does Medicare cover mental health care?
Medicare Part A covers inpatient mental health care in a hospital, and Part B covers outpatient mental health services. Medicare Advantage plans cover these benefits but can use networks and prior authorization.
What to do next
David Huff, a licensed Florida health agent, can review Polk County doctors, facilities, and prescriptions against a specific Marketplace or Florida Medicare plan ID. He does not decide facility billing. Signing up for Medicare Part A and Part B is done through Social Security, and a plan review is not an enrollment. Call (863) 640-3102 or use Get Help.
Want a second set of eyes before you pick a plan?
Send your ZIP, the doctors and facilities you use, and your prescriptions. Please don't send Social Security or Medicare numbers or medical records. A review is not enrollment.
Start a provider check Request a plan review Call (863) 640-3102Not affiliated with HealthCare.gov or the U.S. government.
We do not offer every plan available in your area. Currently we represent 9 organizations which offer 102 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Sources
This page is educational. It does not say whether a facility or doctor participates with a specific plan. Confirm the plan directory and the billing office before you enroll or switch.
Lakeland Health Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 9 organizations which offer 102 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Company inventory note: The counts above reflect the plans available for the 2027 plan year in the Lakeland/Polk County service area as of September 30, 2026. They are not CMS counts or statewide Florida totals. Counts and available products vary by ZIP code, service area, plan year, and current company authorization. Confirm the ZIP code and current approved platform inventory before relying on these figures. Plan availability, benefits, networks, formularies, pharmacies, and costs are subject to the applicable plan documents and service area.