Headshot of Rafia Zulfikar, MD

Rafia Zulfikar, MD

University Medicine Associates
Schedule an appointment: 210-358-4000
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Specialty
Pulmonary Disease
Education
Hebei Medical University (2010)
Residency
Internal Medicine, Geisinger Medical Center (2015)
Fellowships
Pulmonary & Critical Care Medicine, West Virginia University School of Medicine (2018)
Languages
English
Gender
Female

University Hospital

4502 Medical Drive
San Antonio,TX 78229
Insurance Accepted
6 Degrees - Transplant
90 Degree Benefits - Third Party Administrator
Aetna Better Health - CHIP/CHIP Perinate Newborn
Aetna Better Health - Medicaid STAR
Aetna Health - Commercial (Choice POS II, Elect Choice EPO, Exchange (Silver/Gold HMO))
Aetna Health - Commercial (HMO, Managed Choice POS, Meritain, Open Choice PPO)
Aetna Health - Commercial (QPOS, SAISD, Select)
Aetna Health - Medicaid Dual Preferred (HMO D-SNP)
Aetna Health - Medicare Advantage (Eagle PPO, Freedom PPO, Premier HMO, Prime HMO, Value Plus PPO)
Aetna Health - Transplant ONLY
Allegiance - Universal Benefits Consortium
Allwell (Superior HealthPlan) - Medicare Advantage
Ancira Enterprises - Direct Employer
Benefit Administrative Systems - Third Party Administrator
BlueCross BlueShield (Federal Programs) - Commercial (Federal - All Products)
BlueCross BlueShield (Out-of-State) - Commercial (Out of State - Blue Card Program Only)
BlueCross BlueShield of Texas - Commercial (Blue Premier HMO, Blue Choice PPO)
BlueCross BlueShield of Texas - Commercial (CHIP, Blue Advantage HMO, Blue Essentials HMO)
BlueCross BlueShield of Texas - Commercial (ERS, TRS, State of TX Employees)
BlueCross BlueShield of Texas - HPN/EPO (Narrow Network)
BlueCross BlueShield of Texas - Medicaid (STAR, STAR Kids, STAR PLUS)
BlueCross BlueShield of Texas - Medicare Advantage (HMO, PPO)
BlueCross BlueShield of Texas - Medicare-Medicaid Dual Eligible Plans
BlueCross BlueShield of Texas - Traditional/Par Network
BlueCross BlueShield of Texas - Transplant Network
Carelink Program
CHAMPVA - Governmental
Cigna - Employer Specific Network (United Benefits Consortium)
Cigna - Employer Specific Network (USAA Employees & Dependents Only)
Cigna Health Spring - Medicare Advantage (WellMed)
Community First Health Plans - CHIP/CHIP Perinate Newborn
Community First Health Plans - Commercial (HMO, Exchange)
Community First Health Plans - Medicaid (STAR, STAR Kids, STAR PLUS)
Community First Health Plans - Medicare Advantage (HMO)
Community First Health Plans - University Family Care Plan
Curative - Commercial (All Products)
Driscoll Health Plan - Medicaid (All products)
EBSO Benefits - Third Party Administrator
El Paso Health - CHIP
El Paso Health - Medicaid STAR
Employers Health Network - Commercial (PPO)
Entrust - Third Party Administrator
First Health - Commercial (All Products)
Gilsbar - Third Party Administrator
HealthSmart (Accel) - Commercial (All products)
Humana - Medicare Advantage (HMO, PPO, WellMed)
Humana - Transplant Network
Imagine 360 - Third Party Administrator
Imperial Health - Commercial (Exchange)
Imperial Health Plan - Medicare Advantage
Independent Medical Systems - Commercial (PPO)
Independent Medical Systems - Workers Compensation
Interlink - Transplant Network
LifeTrac - Transplant Network
Medicaid (Traditional) - Medicaid/Medicare
Molina Healthcare - CHIP/CHIP Perinate
Molina Healthcare - Commercial (Exchange)
Molina Healthcare - Medicaid (STAR, STAR Kids, STAR PLUS)
Molina Healthcare - Medicare Advantage
Molina Healthcare - Medicare-Medicaid Dual Eligible Plans
MultiPlan - Commercial (All products)
OptumHealth - Transplant Network
Point Comfort Underwriters - Refugee Medical Assistance (Adults, Children)
Private Healthcare Systems - Commercial (All Products)
ProCare Advantage - Medicare Advantage (Special Needs Plan)
Provider Partners Health Plan - Medicare Advantage (Special Needs Plan)
SCAN Health - Medicare Advantage (All Products)
Superior HealthPlan - CHIP/CHIP Perinate
Superior HealthPlan - Medicaid (STAR, STAR Health Foster Care, STAR Kids, STAR PLUS)
Superior HealthPlan - Medicare-Medicaid Dual Eligible Plans
Surest (United Healthcare) - Commercial (All Products)
Tokio Marine - Transplant Network
TriWest - TRICARE West Region
TriWest - VA Community Care Network
Trustmark Benefits (f/k/a CoreSource) - Third Party Administrator
UnitedHealthcare - Commercial (Charter EPO/HMO/POS)
UnitedHealthcare - Commercial (Choice Plus POS/PPO/Choice Plus-HAS)
UnitedHealthcare - Commercial (Compass EPO/HMO/POS)
UnitedHealthcare - Commercial (Core and Core Choice Plus EPO/HMO)
UnitedHealthcare - Commercial (Doctors Plan EPO/HMO/POS)
UnitedHealthcare - Commercial (Heritage EPO/HMO/POS)
UnitedHealthcare - Commercial (Indemnity)
UnitedHealthcare - Commercial (Navigate EPO/HMO/POS)
UnitedHealthcare - Commercial (Nexus ACO/EPO/HMO/POS)
UnitedHealthcare - Commercial (PPO)
UnitedHealthcare - Commercial (Select EPO/HMO/POS)
UnitedHealthcare - Commercial (Select Plus EPO/HMO/POS)
UnitedHealthcare - Medicare Advantage (AARP Plans, Complete Care Plans, Erickson Advantage Plans)
UnitedHealthcare - Medicare Advantage (UnitedHealthcare Group Plans, WellMed)
UnitedHealthcare Community Plan - CHIP/CHIP Perinate
UnitedHealthcare Community Plan - Medicaid (STAR, STAR Kids, STAR PLUS)
UnitedHealthcare Community Plan - Medicare-Medicaid Dual Eligible Plans
Universal Benefits Consortium (Allegiance) - Direct Contract with TPA/Broker for select ISDs
University of Incarnate Word - Direct Contact with Employer
Velocity National Provider Network - Commercial (Multiple Payers)
Velocity National Provider Network - Commercial (PPO)
Veterans Administration - Governmental
WellCare - Medicare Advantage
WellCare by Allwell (Medicare Advantage - All Products)
WellCare by Superior HealthPlan - Dual Align (HMO D-SNP)
WellMed (Gonzaba Medical Group IPA) - Medicare Advantage (Transplant Only)
WellMed - Medicare Advantage (Cigna HealthSpring, Humana, United Healthcare, WellPoint)
WellPoint (Gonzaba) - Medicare Advantage (TRANSPLANTS ONLY)
WellPoint - CHIP/CHIP Perinate
WellPoint - Medicaid (STAR, STAR Kids, STAR PLUS)
WellPoint - Medicare Advantage (All Products)
WellPoint - Medicare Advantage (Transplant Only)
WellPoint - Medicare Advantage (WellMed)
WellPoint - Medicare-Medicaid Dual Eligible Plans
Please contact your health insurance company to confirm provider participation. For billing and insurance questions, please call our Billing Department at 210-358-3260.
“Be the change you want to see in the world”
Taking care of my patients gives me an immense sense of peace and fulfillment. I feel “useful” as a being when I can help my patients and their families through an illness and the tough time it brings.
I’m a pulmonary and critical care medicine physician with University Health. I specialize in treating chronic obstructive pulmonary disease (COPD), asthma, lung fibrosis, respiratory failure, shock, sepsis among various other conditions pertaining to lungs and ICU.
My strong love for science is what grew my passion for medicine. I naturally gravitated toward the field of medicine because it beautifully merges the pursuit of scientific knowledge with the deep responsibility of serving others.
Philosophy of Care
My philosophy of care stems from my roots: giving is the purest form of service.
I believe that to truly give back to the world, we must become the best version of ourselves — professionally and personally. I care for every patient with compassion, clinical excellence and a deep sense of duty.
Favorite Parts of Medicine
  • Helping patients feel better and breathe easier
  • Supporting, healing and hope in critical moments
  • Mentoring and educating the next generation of physicians
Hobbies
Outside of medicine, I enjoy spending time, reading and cooking — which allows me to unwind and reconnect with the simple joys of everyday life.
Call 210-358-4000 to request an appointment with this doctor.

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