1577 Roberts Drive, Suite 225, Jacksonville Beach, FL 32250
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Patient Information · Jacksonville Beach, FL

Insurance & Billing
at
Dr. Graham's Practice

We accept most major commercial insurance plans, Medicare, Tricare, and workers' compensation. If you're not sure whether your plan is accepted, just call us — our team will verify your coverage and walk you through what to expect before your first visit.

Call (904) 241‑1204 See Accepted Plans
Jacksonville Orthopaedic Institute Managing Partner, Jacksonville Orthopaedic Institute Baptist Medical Center Beaches Active Medical Staff, Baptist Medical Center Beaches
R. David Graham, MD
Before Your Visit
  • Have your insurance card ready when you call
  • Ask your plan if a referral is required
  • Confirm your deductible and co-pay amounts
  • Workers' comp patients: let us know at scheduling
  • Self-pay pricing available — call for details

Insurance questions can feel overwhelming. Our staff will help you navigate the process — don't let billing uncertainty delay care.

Coverage & Access

Getting the Care You Need
Without the Runaround

Insurance should not stand between you and the right surgeon. Dr. Graham's practice participates in a wide range of commercial plans, government programs, and workers' compensation carriers — and our staff works to make the billing process as clear and straightforward as possible.

Because Dr. Graham is affiliated with Jacksonville Orthopaedic Institute (JOI), patients benefit from JOI's broad insurance relationships across Northeast Florida. Most major carriers contract with JOI, which means fewer surprises when it comes to coverage.

One important note: Dr. Graham deliberately operates at three different surgical facilities — Baptist Beaches Hospital, Horizon Surgery Center, and Jacksonville Beach Surgery Center. Each facility contracts with different insurance plans. If Baptist doesn't accept your plan, Jacksonville Beach Surgery Center may. The strategy is intentional: to give every patient a viable path to surgery, regardless of their insurer.

If you have a plan not listed here, or if you're unsure whether a specific procedure is covered, the best first step is always a phone call to our office. We'll verify your benefits before your visit so you can focus on getting better — not on paperwork.

JOI & Baptist Affiliation
Dr. Graham practices within the Jacksonville Orthopaedic Institute network, with surgical services at Baptist Beaches Hospital, Horizon Surgery Center, and Jacksonville Beach Surgery Center Hospital and Horizon Surgery Center — both in-network for all major accepted plans.
Jacksonville Orthopaedic Institute (JOI)
Northeast Florida's largest orthopaedic group — broad insurer contracts across all major plans
Baptist Beaches Hospital
Primary surgical venue for Baptist system patients — in-network with all accepted plans
Horizon Surgery Center
Outpatient surgical venue for patients outside the Baptist system — Baptist CIN affiliate

Accepted Insurance

Plans We Accept

The following plans are accepted at Dr. Graham's Jacksonville Beach office. Please call to verify your specific plan and benefit details before your visit.

Medicare
Original Medicare Parts A & B accepted. Many Medicare Advantage plans also accepted — call to confirm your specific plan.
Tricare & Tricare for Life
Accepted for active duty, retired military, and eligible dependents.
Blue Cross Blue Shield
Florida Blue and most BCBS commercial plans accepted. Includes PPO and many HMO products.
Aetna
Commercial Aetna plans accepted, including employer-sponsored and marketplace products.
Cigna
Cigna commercial plans accepted. Call to verify your specific product and any referral requirements.
UnitedHealthcare
United commercial and Choice Plus plans accepted. Includes most employer and marketplace UHC products.
Insurance plans change. While we make every effort to keep this list current, plan networks can shift throughout the year. The most reliable way to confirm coverage is to call your insurance member services line — the number is on the back of your card — and ask whether Dr. R. David Graham (NPI: confirm with office) is in-network for your specific plan and product. You're also welcome to call our office at (904) 241‑1204 and we'll help you figure it out.

Additional Coverage Options

Workers' Comp, Self-Pay & Military

Beyond standard commercial insurance, Dr. Graham's practice accommodates several additional coverage situations.

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Workers' Compensation

Dr. Graham treats hand, wrist, elbow, and shoulder injuries sustained on the job. Whether it's a crush injury, laceration, fracture, or cumulative trauma such as carpal tunnel syndrome, workers' comp patients receive the same level of expert care as any other patient.

Please let our staff know at the time of scheduling that your injury is work-related. We'll coordinate directly with your employer's carrier to ensure the authorization and billing process stays on track — so you can stay focused on recovering and returning to work.

Call to schedule
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Self-Pay & Out-of-Network

Patients without insurance, or whose plan is out of network, are welcome at Dr. Graham's practice. Self-pay pricing is available for office visits and procedures. We believe cost should not be a barrier to seeing the right specialist — particularly when the hand or wrist injury requires expert attention.

Call our office to discuss pricing before your visit. We'll give you a clear picture of what to expect so there are no surprises. Certain in-office procedures may be especially cost-effective for self-pay patients.

Ask about self-pay rates
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Military & Veterans

Dr. Graham accepts Tricare and Tricare for Life, making care accessible for active duty service members, retirees, and their eligible dependents. With his Jacksonville Beach location and JOI network affiliation, scheduling is straightforward for military families in the area.

Tricare often requires a referral from your Primary Care Manager (PCM) before seeing a specialist. Contact your PCM first, then call our office to schedule — we'll coordinate the rest.

Call (904) 241‑1204

Where Surgery Takes Place

Surgical Venues & Facility Coverage

Dr. Graham operates at three facilities — intentionally. Each accepts different insurance plans, which means if one facility is out-of-network for your plan, another may not be. The goal is simple: no patient should be turned away because of where they have surgery.

1
Baptist Beaches Hospital
The primary surgical venue for patients within the Baptist Health system. A full-service hospital on the Beaches with advanced imaging, anesthesia, and post-operative support — all in-network for Baptist-affiliated commercial plans, Medicare, and Tricare.
Baptist System Patients
2
Horizon Surgery Center
An outpatient surgery center and Baptist CIN affiliate used for patients outside the Baptist system. Accredited, efficient, and in-network for all major commercial plans Dr. Graham accepts. Most patients are home the same day.
Non-Baptist & Commercial Plans
3
Jacksonville Beach Surgery Center
An independent outpatient surgery center that accepts a distinct set of insurance plans — including plans that may not be accepted at Baptist Beaches or Horizon. When Baptist doesn't work for your insurance, there's a good chance Jacksonville Beach Surgery Center will. Dr. Graham operates here specifically to maximize coverage access for his patients.
Independent Plans & Expanded Access

Common Questions

Insurance & Billing FAQ

Straightforward answers to the questions we hear most often.

Yes. Dr. Graham accepts Original Medicare (Parts A and B). Many Medicare Advantage plans are also accepted. Because Medicare Advantage plans vary by carrier and product, please call our office at (904) 241‑1204 to confirm your specific plan before scheduling.
It depends on your plan. PPO plans generally do not require a referral — you can schedule directly with our office. HMO plans typically require a referral from your primary care provider. Tricare patients usually need a referral from their Primary Care Manager (PCM). If you're unsure, check the back of your insurance card or call your member services line. Our staff can also help you figure this out if you call us.
Bring your insurance card, a valid photo ID, and any imaging you've already had (X-rays, MRI, CT). If you have a referral from your primary care provider, bring that as well. If your injury is work-related, bring your workers' compensation claim number and adjuster contact information. Arriving 15 minutes early to complete paperwork is appreciated.
For most elective surgical procedures, yes — your insurance will require prior authorization before surgery is scheduled. Dr. Graham's office handles the authorization process on your behalf. We work directly with your carrier to obtain approval, and we'll contact you once authorization is confirmed before giving you a surgery date. For urgent fracture cases or emergency situations, we proceed as quickly as your clinical situation requires and handle authorization in parallel.
Workers' compensation covers medical treatment for injuries sustained on the job. If your employer's carrier has authorized Dr. Graham as your treating physician, call our office and let us know it's a workers' comp case at the time of scheduling. You'll need your claim number and your adjuster's contact information. We bill the carrier directly — you should not receive a bill for authorized services. If you are having difficulty getting authorized to see a specialist, call our office and we can help navigate that process with you.
Possibly. Insurance contracts change, and the list on this page may not reflect every accepted plan. Call our office at (904) 241‑1204 and give us your plan name and member ID — we'll verify coverage directly. If your plan is out of network, self-pay pricing is available for both office visits and procedures. We'd rather have that conversation with you upfront than have you avoid care because of billing uncertainty.
Most in-office procedures — such as trigger finger release, ganglion cyst excision, mucous cyst removal, and Dupuytren's percutaneous fasciotomy — are billable to insurance the same as any other surgical procedure. Because they're performed in-office rather than in a hospital operating room, the facility fee is typically much lower, which can mean less out-of-pocket cost for patients with high deductibles. Call our office to discuss your specific procedure and what to expect from your plan.

In-Office Procedures: Lower Cost-Share for Patients

For eligible procedures performed in Dr. Graham's office — trigger finger release, ganglion cyst excision, mucous cyst removal, and select others — no hospital facility fee or separate anesthesia charge applies. These are billed as office procedures, which typically means significantly lower patient cost-share compared to the same procedure performed in a hospital operating room. Ask our team which of your procedures may qualify.

Next Steps

Don't Let Insurance Questions
Delay Your Care.

Our staff is experienced in navigating insurance, authorizations, and workers' compensation — and we're happy to answer your questions before you ever set foot in the office. Call us, tell us your plan, and we'll take it from there.

Call (904) 241‑1204 Urgent Hand Care →
Contact & Location
(904) 241‑1204
1577 Roberts Drive, Suite 225
Jacksonville Beach, FL 32250
Clinic days: Tue · Wed · Fri
Surgery days: Mon · Thu

Insurance questions can be answered by phone before your first visit. We'll verify your plan and walk you through what to expect — no commitment required.