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Frequently Asked Questions


Flora Health Network Patient Reference Guide
Frequently Asked Questions


Does the Flora Health Network recommend my doctor for treatment?

The directories do not constitute a recommendation of any hospital, physician or other health care provider.  The providers listed in the directories are independent contractors and Flora Health Network is not responsible for health care provided or the omission, delay or unavailability of health care by these providers.  The listings are subject to change.  More current information may be obtained by calling your provider or the Flora Health Network customer service department at (216) 642-8575 (outside Cleveland at 800-966-0200).

Q.  Will my insurance company cover all the providers included in the directories?

Health care plans vary.  Thus the directories do not guarantee that all services or all providers will be covered under your health care plan.  Failure to verify your plan design or network status may result in non-reimbursed medical expenses.

Q.  Will all services that are provided at an in-network hospital facility be in Flora Health Network?

Some hospital based providers such as emergency departments, radiologists, anesthesiologists, and pathologists rendering services at network hospitals may not be members of Flora Health Network.  Also, hospitals in the network may provide additional services such as mammograms, urgent care services, laboratory, home health care, etc. as part of their agreement with Flora Health Network.  For further information on these and other services, please contact your local hospital.

Q.  If I have labwork or surgery done at my doctor's office, will it be treated as in-network?

If your physician performs labwork in their office and bills your insurance company under their federal tax ID number it will be treated as in-network.  But some of the Flora Health Network providers may provide services that are not part of the Flora Health Network (i.e., surgical procedures in a doctor's surgical suite).  Please contact the provider's office to determine how services will be billed.  Contact your benefits office to determine if your coverage is affected.

Q.  Will I be required to obtain a referral to a specialist?

Referrals for specialty care are not required by Flora Health Network, however, your plan may have requirements.

Q.  Do the Directories include every physician I can go to within Flora Health Network?

The Directories represent only one portion of the entire Flora Health Network.  Additional providers are located throughout Ohio and portions of Kentucky, Indiana, Pennsylvania and West Virginia.  Flora Health Network's customer service department can advise you of providers, by specialty, in any given county.  You may also nominate a provider for membership by contacting us or your physician.


Flora Midwest provides friendly, affordable preferred provider network (PPO) coverage to 300,000 members throughout Ohio, West Virginia and Pennsylvania. An independently owner subsidiary of Michigan based PPOM, Flora Midwest offers access to 230 hospitals and over 23,000 Providers. We strive to provide the service and savings your clients deserve.










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