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Accepted health plans and networks

We accept most health insurance plans, but they may vary by office location.  

We accept most health insurance plans

We accept new patients with many different types of health insurance plans.


Health maintenance organizations (HMO)

When you have an HMO insurance plan, you choose a medical network and a primary care doctor who oversee your care.


Preferred provider organization (PPO)

When you have a PPO insurance plan, you can see a larger network of doctors for your care without a referral.


Medicare plans

We accept most Medicare plans, including Original Medicare, Medicare supplement and Medicare Advantage.

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HMOs and point-of-service (POS) plans

A point-of-service plan (POS) is a type of managed care plan that is a hybrid of HMO and PPO plans.


Anthem Blue Cross

Blue Shield3

CalOptima Medi-Cal


Health Net


Sharp Health Plan6



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Covered California

The state’s marketplace for Affordable Care Act plans.
Learn more

Anthem Blue Cross

Blue Shield PPO

Health Net6

Health Net PureCare PPO/EPO (individual and CCS)

LA Care7

Molina Health Plan1
(ob/gyn and pediatrics in San Diego offices only) 

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Medi-Cal plan (California’s Medicaid program)

CalOptima Medi-Cal

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Special needs plans

This is for those on Medicare who have chronic or ongoing illnesses.

Health Net
(Cardiovascular disorders, chronic heart failure, diabetes) 

SCAN Health Plan
(Diabetes mellitus) 

VillageHealth by SCAN (ESRD)
(LA County only)1,4

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Medicare Advantage D-SNP plans

This is for those who qualify for both Medicare and Medi-Cal, California’s Medicaid program.


Blue Shield

Cal Optima OneCare1

CalOptima OneCareConnect1,2

Health Net5

Inland Empire Health Plan

LA Care7

(limited network for LA County)1


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Don’t see your plan?

If you aren’t sure what type of health insurance plan you have, check your health insurance card. If you can’t find the information there, you can:

  • Call your chosen Optum clinic to see if it accepts your health plan
  • Call your health insurance company to find out if you can see an Optum doctor
  • Visit Covered California to learn more about your state’s marketplace
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There are several differences between a health maintenance organization (HMO) and preferred provider organization (PPO) plan. They differ in the size of the plan network, ability to see specialists, plan costs and coverage for out-of-network services. Also:

  • HMOs:
    • Coordinate your care through a network of doctors and hospitals. You pick a medical network and one primary care doctor within that network. 
    • Your primary care doctor coordinates your care and works closely with the hospitals, specialists and other providers in your medical network. 
    • Your HMO plan usually won't pay for any visits to health care providers who are not in your medical network.
  • PPOs:
    • Have a larger network of medical providers. This gives PPO patients more flexibility in choosing doctors. 
    • You don’t have to select a primary care doctor. You can go to any health care professional you want without a referral — inside or outside of your network.
    • There are network benefits and out-of-network benefits. If you stay inside your PPO network, you’ll pay less for your medical services. If you go outside of your PPO network, you might have to pay more.

No. Optum isn’t an insurance plan. We’re a group of doctors who contract with most major health insurance plans. These include HMOs, PPOs, Original Medicare, Medicare Advantage and supplement plans. These may vary by office location.

Call the office you want to go to and see if it accepts your health plan. You can also call your health plan and ask if you can choose an Optum doctor.  

Your insurance plan may require a copayment at your doctor's visit. We accept automatic bill pay, checks, Visa, American Express, Discover and Mastercard.

Please note, we no longer accept cash except at our urgent care locations. Our goal with our decision to no longer accept cash is to make your visit with us more efficient and enjoyable, from when you check in to when you check out.

Find care near you.

Helpful resources

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Types of care

Virtual care

Get the care you need, when you need it, without leaving home.

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Our care


Our goal is to offer you what you need to stay healthy and independent. 

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Patient resources

Preparing for your visit

Planning ahead will help you and your doctor make the most of your time together. 

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  1. Limited network 
  2. Health plan only offers dual eligible/Cal MediConnect option(s) for Medicare Advantage patients. Does not offer Medicare Advantage-only option(s).
  3. Employer-sponsored plans only 
  4. Fee-for-service only
  5. Available in Orange County only
  6. Available in San Diego only
  7. Available in LA County only

If you’re uninsured or a self-pay patient, you have the right to ask for a good faith estimate of expected charges before getting services.