Accepted health plans and networks

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.