Covered California Information

If you do not have health insurance through work or a public program you may be able to apply for one of the plans available on the Covered California web site. You can choose plans based on your premium cost, out of pocket costs, and other considerations related to how many health care expenses you expect to have. Several different types of insurance products are offered at each of the tiers. If you are considering purchasing health insurance through Covered California, please note:

1. You can select plans that are HMO plans, EPO plans, or PPO plans. HMO plans tend to have lower premiums and PPO plans higher premiums.

2. Only PPO plans will provide any reimbursement for visits to providers outside their networks. I am considered an out-of-network for all plans, so if you purchase an HMO or EPO plan, they will not reimburse any portion of the costs. PPO plans usually reimburse a portion of the cost for out-of-network providers. Deductibles may apply.

Medi-Cal Information

I do not accept Medi-Cal benefits. Medi-Cal insurance will not pay for any portion of your visit costs.

Medicare Information

I currently contract with Medicare and participate in “Fee-for-service” Medicare part B. Medicare makes payments directly to doctors for a portion of the negotiated fees. For most physician services they reimburse 80% of the fee and the beneficiary is responsible for the rest either personally or through a supplemental insurance plan. Private supplemental plans will cover the rest of the balance. Medicare beneficiaries do have to pay a deductible each year, which may covered by supplemental plans.

Please note, that if you have a Medicare Advantage plan, or any type of non fee-for-service Medicare plan, such as a Medicare HMO, I will not be in network and your visit will not be covered.