How to Understand Your Current Insurance Coverage

 What Plan Do I Have?

HMO: Health maintenance organizations (HMOs) require a primary care doctor who can refer you to specialists. HMOs typically have lower premiums, but you’ll pay out of pocket if you see a provider outside of your network.

PPO: Preferred provider organizations (PPOs) have higher premiums, but allow more freedom to see providers, including specialists, both in and out of the network.

POS: Point of service (POS) plans are similar to PPOs, but require a referral for out-of-network providers.

What Does My Insurance Cover?

Most plans are required to cover basic services, like preventive care, hospitalizations, lab tests and prescriptions. It is important to check the covered providers and services in your insurance documents, because some cover only certain doctors, prescriptions and charge different copays.

Do VCHCA Doctors Accept My Insurance?

Our Clinics and Hospitals accept most major insurance plans, including Gold Coast Health Care Plan and Medi-Cal.

Our mission is to ensure health equity and access and we do not deny care to anyone, regardless of their ability to pay. We offer Self-Pay discounts, based on family size and income. You can call your insurance provider directly to verify coverage.

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