Last reviewed: September 30, 2026.
Mulberry's Central Florida Health Care clinic is an FQHC with income-based fees. Decide whether sliding-fee care, a plan, or both fits.
Direct answer: Yes. Central Florida Health Care's Mulberry clinic says that as a Federally Qualified Health Center it offers a sliding fee scale to qualified patients, based on income and family size. If you have a health plan, look up the clinic in your plan's provider directory for your plan ID and year before your visit.
Short answer
Yes. Central Florida Health Care says that as a Federally Qualified Health Center it offers a sliding fee scale to qualified patients, with fees for uninsured or self-paying patients based on income and family size.
Does this clinic take my health plan?
Possibly. Networks are set plan by plan, so look up Central Florida Health Care Mulberry in your plan's provider directory and call with your plan ID before your visit.
CFHC Mulberry sites: Mulberry (106 NW 9th Ave, 33860) and Mulberry Primary & Specialty Care (1010 N. Church Ave).
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.
Clinic care vs. a Marketplace plan
No. Clinic discounts apply to that clinic's own services. They don't pay for hospital stays, emergency room visits, or outside specialists, and there is no out-of-pocket maximum like a Marketplace plan has.
Network status can differ by plan; check the plan's provider directory before enrolling. Use the exact plan ID and coverage year, then call the facility billing office and write down the date and the person you spoke with.
Use how much income qualifies for a subsidy, zero-premium plans in Florida to gather names, locations, and prescriptions before you compare plans.
Enrollment timing and Special Enrollment Periods
Open Enrollment for next year runs November 1 to January 15 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. Outside that window you generally need a Special Enrollment Period, such as losing other coverage.
Losing other coverage (for example, loss of minimum essential coverage) may qualify you for a Special Enrollment Period, subject to Marketplace eligibility rules.
HealthCare.gov (Florida uses it): Open Enrollment starts November 1; enroll by December 15 for January 1 coverage; Open Enrollment ends January 15, with February 1 coverage for December 16 to January 15 enrollments.
What to verify before you enroll
- Search Central Florida Health Care – Mulberry & Mulberry Primary & Specialty Care 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
Additional verified details
"As a Federally Qualified Health Center, CFHC is able to offer Sliding Fee Scale to qualified patients. Fees for uninsured or self-paying patients are determined by income and family size." New patients: 866-234-8534.
After the temporary 2021–2025 enhancement, standard Premium Tax Credit rules apply; eligibility depends on household income and size.
Nearby facilities
- Does Frostproof Have a Sliding-Fee Clinic Nearby?
- Does Central Florida Health Care Have a Sliding Fee Scale?
- Does Bartow Regional Medical Center Take My Insurance?
Local coverage pages
- Lakeland coverage help
Related coverage questions
- how much income qualifies for a subsidy
- zero-premium plans in Florida
- how to keep your doctor when you change plans
- HMO vs EPO vs PPO
Common questions
Does the Mulberry Clinic Offer Sliding-Fee Care?
Yes. Central Florida Health Care's Mulberry clinic says that as a Federally Qualified Health Center it offers a sliding fee scale to qualified patients, based on income and family size. If you have a health plan, look up the clinic in your plan's provider directory for your plan ID and year before your visit.
Is sliding-fee clinic care the same as health insurance?
No. Clinic discounts apply to that clinic's own services. They don't pay for hospital stays, emergency room visits, or outside specialists, and there is no out-of-pocket maximum like a Marketplace plan has.
When can I enroll in a Marketplace plan?
Open Enrollment for next year runs November 1 to January 15 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. Outside that window you generally need a Special Enrollment Period, such as losing other coverage.
Can I use Central Florida Health Care Mulberry if I have a Marketplace plan?
Possibly. Networks are set plan by plan, so look up Central Florida Health Care Mulberry in your plan's provider directory and call with your plan ID before your visit.
What to do next
David Huff, a licensed Florida health agent, can review Polk County doctors, facilities, and prescriptions against a specific Marketplace plan ID. He does not decide facility billing. 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.
Sources
- Central Florida Health Care (CFHC) — Clinic Locations
- Central Florida Health Care (CFHC) — Sliding Fee Discount Program
- HealthCare.gov — Essential Health Benefits & Marketplace Coverage
- HealthCare.gov — Marketplace Open Enrollment Dates & Deadlines
- IRS.gov — Questions and Answers on the Premium Tax Credit
- HealthCare.gov — Special Enrollment Period (SEP) Rules
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.