Health Insurance

Accepted Insurance Plans (subject to change)

  (In addition to offering excellent self-pay rates for our medical services we are PPO Providers for the medical insurance carriers listed below. If you do not see your carrier on our list please call us at (310) 836-2225 to find out if we can work with your carrier.

Note that we are accepting a limited number of new patients with Blue Shield or Medicare.  We do not accept HMO insurance plans.  As of Jan 1, 2021, we are out of network with Anthem Blue Cross. (does not affect Blue Shield plans)

Our preferred plans are currently Cigna PPO,  Aetna PPO, United Healthcare PPO, and as of 2021, certain Oscar PPO plans (those with the word “circle” or those that have a “Group ID” on the ID card).   Blue Cross/Blue Shield plans can be confusing because sometimes the payor is Blue Cross (not in network) and sometimes it is Blue Shield (yes, in network).  

Certain exceptions are made for TMS (tension myoneural)/PPD consultations and for patients who pay an additional annual fee for non-covered services. (aka Administrative Fee or VIP fee)

If Blue Cross is your secondary carrier with Medicare as primary, this change does NOT affect you.

 

  • Aetna Choice POS II
  • BCBS Blue Card PPO (see above)
  • BCBS California PPO (see above)
  • Blue Shield PPO (most)
  • Cigna PPO
  • First Health PPO
  • Great West PPO
  • Health Net California Large Group PPO
  • Humana ChoiceCare Network PPO
  • Multiplan PHCS PPO
  • Medical Pay
  • Multiplan PPO
  • Oxford Health Freedom
  • Oxford Health Liberty
  • United Healthcare – Direct Choice Plus POS
  • United Healthcare – Direct Options PPO
  • BC PPO Plan – Not part of the Select  (see above); only until 12/31/2020
  • Aetna PPO

Conditional Insurance Carrier Acceptance

  • Blue Cross PPO plan– Out of network.  This means that you pay at the time of service a self-pay fee and you will be given a form to submit to your insurance for possible out of network benefits.
    • CIGNA Open Access
      • Not accepted if part of the Local Plus Plan
    • CIGNA PPO
      • Not accepted if part of the Local Plus Plan
    • Personal Injury
      • Very rarely, liens from selected attorneys and Medical Pay from auto insurance
    • Worker’s Compensation
      • No Longer accepting new patients with this insurance

     

    Self-Pay Options

    Patients worry, rightfully so, if they have “lost” health insurance.  We try to remind them that office visits with Dr. Schechter are surprisingly affordable.  Even if you have to pay out of pocket for a physical (about $250) and 3 office visits (each $125-$175) a year, plus some lab work, you will typically spend under $750 for the entire year.  So why do you need health insurance, with premiums often $300 to $1000 per month, or more!?  Hospitalizations and surgery are expensive and this is the great benefit of having health insurance.  Office visits for family medicine and sports medicine care in our office are far more reasonable and are often paid out of pocket by individuals with HMO plans or other limitations in coverage.

    Updated Jan.27, 2021

     

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