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Insurance Types
Medicare
All seniors over the age of 65 are entitled to receive Medicare.
To learn more about the Medicare program, go to http://www.medicare.gov
PPO/EPO (Preferred Provider Organization)
Usually higher premiums but allow for maximum freedom in selecting a physician.
Makes for easier referrals since most specialty physicians in this area
are on most PPO/EPO plans.
HMO/POS (Health Maintenance Organization/Point
of Service)
These programs are more restricted but more affordable. HMO/POS ask that
you choose a physician within a network. That doctor, or primary care
physician (PCP), is paid a monthly amount for signing with him/her. The
finances are such that patients must stay within a network that the PCP
is registered in and accept referrals to specialist that are within that
network. Patients at times discover that even though a specialist may
be in the insurance plan’s list of physicians it must be in the
same network that the PCP is registered with for you to be able to see
the specialist.
POS plans,
slightly more expensive that HMO plans, allow you to go outside the network
and see a specialist that will accept your insurance when you wish to
do so and therefore acts like a PPO - you may need to pay a percentage
of the cost for the visit as well as lab work and radiology so consider
this expense as well. Most patients in POS plans get into a situation
where an outside specialist may recommend an MRI and you may not wish
to pay the extra cost and then ask your PCP to process this through the
HMO. Most likely the PCP in this case will need to send you to a specialist
within the network for a second opinion before he/she can get approval
for an outside specialty request.
HMO
Senior Plans (Health Maintenance Organization)
Like an HMO plan, seniors over 65 years of age or disabled patients on
SSI, can sign over their Medicare health care benefits to a medical insurance
company. Like an HMO, you must select a primary care physician within
an HMO network and once selected payment for your services go from the
US government to the health insurance company to the HMO network that
you primary care physician is listed with.
Health Plans That We Accept
PPO (Back to
Top)
Admar PPO
Aetna
Affiliated
Health Funds
AllNet PPO
America’s Health Plan
BCE Emergis
Beech Street
Benefit Payor Services
Blue Cross Blue Sheild
ChoiceCare
PPO
CIGNA
Community Care Network
(CCN)
Community Health
Partners
CorVel Health
DoctorandPatient
Ethix
First Health Group
Corp
Focus Health Care
ForMost
Fortified Provider
Network, Inc.
Galaxy Health Network
Great West
Health Net
PPO
Health Payors Organization
Healthstar PPO/ppoNext
Interplan PPO
Los Angeles Foundation PPO
MCS Network PPO
Medical Network Inc.
Memorial Health Plan PPO
Memorial Senior Companion Plan
Multiplan PPO
Nations Health Plan
Orange County Foundation PPO
PacificCare
PPO
Parker Hannifin PPO
Plan Vista Solutions
Private Healthcare Systems
PPO/EPO
PpoNext/PHN PPO/EPO
ProAmerica
Three
Rivers PPO
United Payors & United Providers
UP & UP Health Services
USA MCO
PPO
Xavier Benefits PPO
HMO/POS plans (Back
to Top)
The HMO/POS plans that we accept are through the
Memorial Health Independent Practice Association (MHIPA)
Tel: 562.981.9500
Aetna US Healthcare
Blue Shield Access
Plus
California Care
CIGNA
Health Net
PacifiCare
Universal Care
HMO Senior Plans
The HMO Senior Plans that we accept are through the Memorial Health Independent
Practice Association (MHIPA)
Tel: 562.981.9500
Aetna US HealthCare
Blue Cross Senior
Secure
Blue Shield 65+
Health Net Seniority
Plus
Secure Horizons
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