Explore New Jersey plans
Non-participating with Aetna Better Health (Medicaid)
Non-participating with Medicare Advantage and Managed Medicaid NJ as of January 31, 2026
Non-participating with Commercial Plans
- Non-participating with Dual Special needs (DSNP) and Managed Medicaid as of January 15, 2026
- Optum accepts most Braven Health insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
- Optum accepts most Centivo insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
Non-participating with HealthSpring Medicare Advantage Plans as of January 31, 2026
- Optum accepts most Consumer Health Network (CHN) insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
- Optum accepts most First Health insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
Non-participating with Dual Special needs (DSNP) and Managed Medicaid as of January 15, 2026
- Optum accepts most Humana insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
- Optum accepts most Local 1199 (SEIU) insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
- Optum accepts most MagnaCare insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
- Optum accepts most Medicaid (NJ) insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
- Optum accepts most Medicare insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
- Optum accepts most MultiPlan insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
Non-participating with Oxford Metro, Navigate, Charter & Core and Compass
Optum accepts most QualCare insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
Contact your plan to confirm individual provider’s participation
- Optum accepts most UMR insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
Non-participating with Oxford Metro, Navigate, Charter & Core and Compass
- Optum accepts most US Family Health Plan insurance products. Please confirm with your insurance company that your plan is active and that your chosen provider is in-network.
Frequently asked questions about health plans
Optum accepts most major health insurance plans. Before selecting a provider, please check with your insurance company to verify your eligibility and coverage to ensure the provider participates in your plan.
If your health insurance provider is not listed among our accepted plans, the services are likely considered “out-of-network” and you may be responsible for a greater out-of-pocket expense. If you do not currently have insurance coverage, your visit will be considered self-pay.
Self-pay means you are financially responsible for the full cost of your medical services at the time of your visit. This applies to patients who are uninsured or whose insurance is considered out-of-network – meaning we do not have a billing agreement with your insurance company.
A self-pay waiver will be required if your insurance does not participate with Optum. Following your visit, you will also need to submit the claim to your insurance company for potential reimbursement.
We strive to provide transparent pricing and will work with you to ensure you understand the costs associated with your care. If you have any questions about self-pay rates or need assistance, please contact our front desk or billing department prior to your appointment.
If you are out-of-network or choosing to pay out of pocket, services are still available. Here’s what you need to know:
- You have the right to request a good faith estimate of expected charges prior to receiving services.
- In compliance with the “No Surprise Act,” a patient is held harmless from the cost of unanticipated out-of-network bills.
Contact us if you have questions or need more information about participating plans, billing or the “No Surprise Act.”
Optum Medical Care, P.C., Optum Medical Care of New Jersey, P.C. and Optum Urgent Care, PLLC (collectively “Optum Medical Care”) are physician-led organizations (the “Practice”). The Practice retains full authority over all medical decision-making and patient care. Optum provides administrative and clinical support services to the Practice. Optum does not control or direct the clinical judgment, methods, or standards of physicians or other licensed professionals. Where indicated, “Part of Optum” means the Practice is managed or owned, where permitted by law, by Optum and participates in Optum’s efforts to support physician practices in helping patients live healthier lives.
Optum is a registered trademark of Optum, Inc. in the U.S. and other jurisdictions. All other trademarks are the property of their respective owners. Optum is an equal opportunity employer.