KARL FREDERICK WELKE MD
Accepted Insurance for NPI 1285649780
Thoracic Surgery (Cardiothoracic Vascular Surgery) in Charlotte, NC
Accepted Insurance & Health Plans Health Insurance Marketplace
Marketplace plan participation on file for this provider · 2026 plan year
KARL FREDERICK WELKE MD, a thoracic surgery (cardiothoracic vascular surgery) provider in Charlotte, NC, is listed as in-network for 123 health insurance plans from 5 insurance companies, led by BlueCross BlueShield of South Carolina, Blue Cross and Blue Shield of NC and Oscar Health Plan of North Carolina, Inc. This list is compiled from the CMS Health Insurance Marketplace public use files for the 2026 plan year.
Blue Cross and Blue Shield of NC
Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors
Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors
Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors
Blue Advantage Bronze Standard | Nationwide Doctors
Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors
Blue Advantage Gold Standard A | Nationwide Doctors
Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors
Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors
Blue Advantage Silver Standard | Nationwide Doctors
Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors
Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors
Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors
Blue Care Bronze Standard | Statewide Doctors
Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors
Blue Care Gold Standard A | Statewide Doctors
Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors
Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors
Blue Care Silver Standard | Statewide Doctors
Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health
Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health
Blue Local Bronze HSA Eligible | Integrated | with Atrium Health
Blue Local Bronze Standard | with Atrium Health
Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health
Blue Local Gold Standard A | with Atrium Health
Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health
Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health
Blue Local Silver Standard | with Atrium Health
BlueCross BlueShield of South Carolina
Blue Direction Bronze 1
Blue Direction Silver 1 + Adult Vision
Blue Direction Silver 1
Blue Direction Silver 2
Blue Direction Standard Expanded Bronze
Blue Direction Standard Gold
Blue Direction Standard Silver
Blue VirtuConnect Bronze 1
Blue VirtuConnect Gold 1
Blue VirtuConnect Silver 1
BlueEssentials Bronze 4
BlueEssentials Bronze 6
BlueEssentials Gold 1
BlueEssentials Gold 5
BlueEssentials Silver 14 + Adult Vision
BlueEssentials Silver 14
BlueEssentials Silver 40
BlueEssentials Standard Expanded Bronze
BlueEssentials Standard Gold
BlueEssentials Standard Silver
BlueExtend PPO HD Bronze 1
BlueExtend PPO HD Bronze 2
BlueExtend PPO HD Gold 1
BlueExtend PPO HD Gold 2
BlueExtend PPO HD Silver 1
BlueExtend PPO HD Silver 2
BlueExtend PPO Standard Expanded Bronze
BlueExtend PPO Standard Gold
BlueExtend PPO Standard Silver
InStil Health
InHealth Basic 1 + Adult Vision
InHealth Basic 1
InHealth Basic 2
InHealth Basic Plus Standard
InHealth Basic Standard
Oscar Health Plan of North Carolina, Inc
Bronze Classic 4700 | with Atrium Health
Bronze Classic 4700
Bronze Classic Standard | with Atrium Health
Bronze Classic Standard
Bronze Elite + PCP Saver Plus | with Atrium Health
Bronze Elite + PCP Saver Plus
Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health
Bronze Simple Chronic Care CKM | with Atrium Health
Bronze Simple Diabetes | with Atrium Health
Gold Classic Standard | with Atrium Health
Gold Classic Standard
Silver Classic Standard | with Atrium Health
Silver Classic Standard
Silver Classic | with Atrium Health
Silver Classic
Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health
Silver Simple Chronic Care CKM | with Atrium Health
Silver Simple Diabetes | with Atrium Health
Silver Simple Diabetes
Silver Simple PCP Saver | with Atrium Health
Silver Simple PCP Saver
Silver Simple Women's Health with Menopause Benefits | with Atrium Health
UnitedHealthcare
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals
UHC Bronze Standard (No Referrals)
UHC Bronze Standard+ Dental + Vision (No Referrals)
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals)
UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
UHC Gold Standard (No Referrals)
UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)
UHC Silver Standard (No Referrals)
UHC Silver Value ($0 Virtual Urgent Care, No Referrals)
UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
Coverage Questions FAQs
Common questions about this provider’s insurance participation, answered from the CMS Health Insurance Marketplace and Medicare enrollment files.
What insurance does KARL FREDERICK WELKE MD accept?
Marketplace files for the 2026 plan year list KARL FREDERICK WELKE MD as in-network for 123 plans from 5 insurance companies. The largest networks are BlueCross BlueShield of South Carolina (29 plans), Blue Cross and Blue Shield of NC (27 plans), Oscar Health Plan of North Carolina, Inc (22 plans), followed by 2 more companies. The full list above shows each plan's metal level, network type, and plan IDs.
Is KARL FREDERICK WELKE MD enrolled in Medicare?
The CMS enrollment files for this NPI show a PECOS enrollment record, which certifies the provider to order, refer, and prescribe for Medicare beneficiaries. The files do not currently show a Medicare assignment indicator; verify Medicare participation directly with the practice.
What network types does KARL FREDERICK WELKE MD participate in?
The accepted plans include 49 HMO plans, 22 EPO plans, 18 PPO plans and 7 POS plans. HMO (Health Maintenance Organization) plans cover care from network providers and typically require a primary care referral for specialists. EPO (Exclusive Provider Organization) plans cover network providers only, generally without referral requirements. PPO (Preferred Provider Organization) plans cover out-of-network care at a higher cost and do not require referrals. POS (Point of Service) plans combine HMO-style referrals with partial out-of-network coverage.
Where does this insurance data come from and how current is it?
Plan participation is compiled from the official CMS Health Insurance Marketplace public use files for the 2026 plan year and refreshed as CMS publishes updated files. Networks change during the year, so always verify coverage with the insurance company or the provider's office before scheduling care.
