Chelsea Espinoza, MOTR/L, CHT
Occupational Therapist
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LGBTQ+ Identified or Ally
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Training and Education
Insurance Accepted
Duke Health contracts with most major health insurance carriers and transplant networks, including the ones listed below.
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Aetna
- Aetna Choice POS, Aetna Choice POS II
- Aetna Elect Choice HMO, Aetna Open Access Elect Choice
- Aetna Health Network Only, Aetna Health Network Option
- Aetna HMO
- Aetna Limited Benefit Insurance PPO
- Aetna Managed Choice POS
- Aetna Medicare Assure Plan (HMO D-SNP)
- Aetna Medicare Eagle Plan (PPO)
- Aetna Medicare Essential Plan (PPO)
- Aetna Medicare Value Plan (HMO)
- Aetna Open Access HMO, Open Access Aetna Select, Aetna Open Access Managed Choice
- Aetna Open Choice PPO
- Aetna PCP Coordinated POS Plan
- Aetna Quality Point of Service (QPOS)
- Aetna Select HMO
- Aetna Traditional Choice
- Aetna Voluntary Indemnity Group Plan
- Aetna Whole Health – Duke WakeMed WKCC
- Aetna/CVS Health
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Ambetter
- Ambetter of North Carolina
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Blue Cross Blue Shield of NC
- Blue Advantage
- Blue Medicare (HMO, PPO)*
- Blue Options (123, PPO, HSA)
- Blue Select
- NC State Employees Health Plan
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*Duke HomeCare and Hospice does not participate in the plan.
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Cigna
- Cigna Behavioral Health (*Limited eligibility)
- Cigna Choice Plus
- Cigna Connect Individual Family Plan
- Cigna Open Access
- Cigna Open Access Plus
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*Please call Cigna Behavioral Heath to see if the provider is participating in your plan.
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Duke Group Plans
- Duke Basic
- Duke Select
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Experience Health
- Experience Health Medicare Advantage (HMO) Plan
- Gateway Health Alliance
- Healthgram
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Humana
- Humana Choice (PPO)
- Humana Choice - Medicare Advantage (PPO)
- Humana ChoiceCare - Medicare Advantage (PPO)
- Humana Gold Choice - Medicare Advantage (PFFS)
- Humana Gold Plus - Medicare Advantage (HMO)
- Humana Medicare Advantage Group Plan - NC State Retirees
- MedCost
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Medicare
- First Medicare Direct
- Medicare Part A
- Medicare Part B
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NC Medicaid
- AmeriHealth Caritas North Carolina
- Carolina Complete Health
- Healthy Blue
- NC Medicaid Direct
- WellCare of North Carolina
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TRICARE
- TRICARE Prime
- TRICARE Prime Remote
- TRICARE Select
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United Healthcare
- AARP Medicare Advantage Plan 2 (HMO-POS)
- AARP Medicare Complete (HMO, PPO)*
- AARP Medicare Complete Essential (HMO)*
- All Savers Alternate Funding
- All Savers Fully Insured
- United Healthcare (HMO, PPO, POS)
- United Healthcare Charter/Charter Balance/Charter Plus
- United Healthcare Choice/Choice Plus
- United Healthcare Core/Core Essential
- United Healthcare Navigate/Navigate Plus/Navigate Balanced
- United Healthcare Option PPO
- United Healthcare Passport Connect Choice/Choice Plus
- United Healthcare Passport Connect Options PPO
- United Healthcare Select/Select Plus
- United Healthcare Shared Services - Harvard Pilgrim/UHC Options PPO Network
- United Medical Resources (UMR)
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*Duke HomeCare and Hospice and mental health providers do not participate with the plan.
Before scheduling your appointment, we strongly recommend you contact your insurance company to verify that the Duke Health location or provider you plan to visit is included in your network. Your insurance company will also be able to inform you of any co-payments, co–insurances, or deductibles that will be your responsibility. If you proceed in scheduling an appointment and your health insurance benefits do not participate with Duke, your out of pocket liability may be higher. We will contact you regarding your coverage and patient liability. If you are uninsured, learn more about our financial assistance policy.