Direct answer: It depends on your exact plan and year. Look up BayCare Winter Haven Hospital (not just "BayCare") in your plan's provider directory using next year's plan ID, then call the hospital at (863) 293-1121 to confirm.
Short answer: check the hospital by name in your exact plan
Employer and Marketplace plans must apply network cost-sharing to emergency services under the No Surprises Act. Follow-up care and planned procedures depend on your network.
BayCare Winter Haven Hospital, 200 Avenue F N.E., Winter Haven 33881, (863) 293-1121. BayCare says it is celebrating 100 years and offers emergency care for children and adults plus heart and cancer care.
Winter Haven Hospital was established in 1926 and integrated with BayCare on August 30, 2013 (BayCare spokesperson quoted by 83 Degrees Media, Oct. 27, 2015).
What BayCare Winter Haven Hospital is
BayCare also operates Winter Haven Women's Hospital and Bartow Regional Medical Center in Polk County.
BayCare's other Polk County hospitals are Winter Haven Women's Hospital and Bartow Regional Medical Center (BayCare release, Dec. 2024).
Winter Haven Hospital's Cassidy Cancer Center, on the hospital campus, offers an inpatient oncology unit and outpatient clinics, infusion, and radiation therapy.
How to check Winter Haven Hospital in a Marketplace plan
Original Medicare works at any hospital that takes Medicare, so confirm with the hospital. Medicare Advantage plans may limit non-emergency care to their network; check the directory during AEP (Oct 15–Dec 7).
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.gov tells shoppers to ask their doctors and pharmacies whether they are in network with the plan they are considering.
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 check your doctors and prescriptions, Winter Haven health insurance to gather names, locations, and prescriptions before you compare plans.
Emergencies: what surprise-bill rules cover
HealthCare.gov: HMOs usually limit coverage to network doctors and generally don't cover out-of-network care except in an emergency; EPOs cover services only in network except emergencies; POS plans require a PCP referral to see a specialist; PPOs let you use out-of-network providers without a referral for an additional cost.
The No Surprises Act (in effect January 1, 2022) protects people with employer, Marketplace, or other individual coverage from surprise out-of-network bills for emergency care, including at independent freestanding emergency departments; you can't be charged more than network cost-sharing for emergency services.
Medicare in East Polk: Original Medicare vs. Medicare Advantage
Original Medicare lets you use any doctor or hospital that takes Medicare, anywhere in the U.S.; Medicare Advantage plans may require network providers for non-emergency care.
Medigap (Medicare Supplement Insurance) is extra insurance from a private company that helps pay your share of costs in Original Medicare.
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.
Checklist before you pick a plan
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 check your doctors and prescriptions, Winter Haven health insurance to gather names, locations, and prescriptions before you compare plans.
- The facility name and each doctor you actually use
- The exact plan ID and coverage year, not just the company name
- Prescriptions, pharmacy, and any prior-authorization drugs
- Plan type rules for HMO, EPO, or PPO care outside the directory
- Who you called at the billing office and the date of the call
Additional verified details
Whether you're an inpatient or an outpatient (for example, under observation) affects what you pay under Medicare.
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.
Related coverage questions
- Medicare Advantage vs. Medicare Supplement
- HMO vs EPO vs PPO
- how to keep your doctor when you change plans
- deductible vs. out-of-pocket maximum
Common questions
Does Winter Haven Hospital take my insurance?
It depends on your exact plan and plan year. Search for BayCare Winter Haven Hospital by name in your plan's provider directory using next year's plan ID, then call the hospital to confirm before you enroll.
Is Winter Haven Hospital part of BayCare?
Yes. Winter Haven Hospital was established in 1926 and integrated with BayCare on August 30, 2013.
What if I need the Winter Haven Hospital ER and it's out of network?
If you have employer or Marketplace coverage, the federal No Surprises Act generally limits what you pay for emergency services to your in-network cost-sharing. Follow-up care and planned procedures depend on your plan's network, so check it before you need it.
Can I use Winter Haven Hospital with Medicare?
With Original Medicare, you can use any hospital that takes Medicare, so confirm with the hospital. With a Medicare Advantage plan, check the plan's provider directory for the hospital and your doctors before you enroll, ideally during Open Enrollment, October 15 to December 7.
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.