What insurance does your office accept?

Currently the office is in-network with Aetna and United Healthcare insurance plans, including United Medical Resources (UMR), Meritain Health, and some Optum plans.

This means that we will submit claims directly, and you will owe whatever your insurance plan indicates. This may be a copay due at each visit, a percentage of the visit cost (a “coinsurance”), the full visit cost up until a certain amount per year (“deductible”) has been met across all of your healthcare spending, or for some, no out-of-pocket charge at all.

I plan to use my Aetna or United health insurance. How do I find out what I will owe?

For something like a copay or a coinsurance, the amount owed at each visit will usually be listed on the front of your insurance card. If you have a deductible that you need to meet each year, you can find that information by logging into your insurance website with your member information, or by calling the Patient Services phone number on the back of your insurance card.

Why is your name listed in other directories like Medicare, Medi-Cal, Cigna, Blue Cross / Blue Shied, and Anthem?

This is because doctors often work part-time in multiple settings, such as a hospital or community clinic, where a wider variety of insurances can be accepted. For this private practice office, please check if your directory lists this San Francisco address as the practice location in network, otherwise it might be referencing care available in a hospital or community clinic setting.

This office is not in-network with my insurance company. Am I still able to use my insurance benefits?

For many people, yes! But you will likely need to have a “PPO” or “EPO” insurance plan, also sometimes listed as “POS,” which allows for out-of-network reimbursement. This involves paying for visits out-of-pocket and then submitting the receipts to your insurance company electronically a few times a year for reimbursement.

Log on to your insurance website and navigate to electronic claim submission, or call the Patient Services number on the back of your insurance card to find where to submit. This often can be done just once or twice a year, and often results in most of the claim being reimbursed.