Board Certified Internal Medicine
Board CertifiedInternal Medicine

Hours / Location / Insurance



Office Hours:


Open Monday - Thursday 8am-4pm

Closed Noon-1pm, Sat. & Sun. & Major Holidays


Closed Sep 16, 2020

Closed Sep 23-24, 2020

Closed Sep 28, 2020


CLOSING EARLY  IN AFTERNOON: Mar 30,2020 until pandemic ends. (open mornings for face to face or telemedicine, telemedicine visits available all afternoon, with appointment.)




Dr. Ponder makes house calls  at assisted care residence facilities:


When the office is closed, electronic prescription refill requests from your pharmacy will usually be addressed daily.  The automated message will indicate when your voicemail will be returned.


In case of emergency, dial 911.


We save appointments each working day for urgent medical issues.  If you think something can safely wait till our next business day, please call (850) 897-1223 first thing in the morning and 99% of the time we will see you that same day.




Courtyard Plaza at Bluewater Bay
4566 E Hwy 20
Suite 103
Niceville, Florida  32578-8839





Insurance Information:



Currently  NOT  accepting  new patients  , in our Bluewater Bay office, and for house calls at the following assisted care living facilities:

Beehive Niceville, Brookdale Niceville, Superior Niceville, and Hawthorn House Shalimar.


We accept most traditional indemnity insurance plans and file insurance for you. We even file secondary insurance for you. We also accept Visa / Mastercard / Discover / American Express / Personal Checks / Cash / PayPal.


We are preferred providers for the following insurances:

Aetna PPO

Aetna / Coventry PPO
BeechStreet PPO
Blue Cross Blue Shield FL BlueChoice (NOT BlueOptions. NOT BlueSelect We can file BlueOptions / BlueSelect insurance but your copays will be higher. *See bottom of page for more information*)
Evolutions Healthcare PPO

Galaxy PPO/POS

Great West PPO

HealthSmart PPO

Medicare Part B Traditional (NOT Medicare Advantage Plans, NOT mediCAID).



Prime Health Services PPO
Three Rivers PPO
Tricare Standard PPO (NOT tricare prime)
USA Managed Care PPO
Valuepoint/Multiplan Discount Card

[list updated 15JUN2019, please let us know of any questions]

BlueOptions Explanation
Adobe Acrobat document [108.1 KB]

Contact Us:

Bluewater Medicine
4566 E Hwy 20 Ste 103
Niceville, FL 32578



+1 850 897-1223+1 850 897-1223

Fax:     +1 888 423-5018

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