Insurance and Financial Information

Ear, Nose, and Throat of San Ramon understands that health insurance policies and benefits can be confusing. It can be especially difficult to sort out the different rules and regulations, depending on your plans coverage specifics. We will work with you to help streamline the process. Ultimately, we strongly advise that you take the time to understand the details of your plans terms, benefits and coverage options in order to avoid any unexpected costs and hassles. Please contact your insurance company to determine your deductible. If you are not clear we will always do our best to help clarify issues that may arise.

ENT of San Ramon is a Hill Physicians Provider and accepts most medical insurance including Medicare. Below is the list of insurance companies we are contracted with as participating providers:

Hill Physicians Medical Group:

Aetna HMO, Blue Cross HMO, Blue Shield HMO, Cigna HMO, Health Net HMO, Great West HMO, and Pacificare HMO.

MEDICARE and most supplements

Aetna PPO/EPO
Anthem Blue Cross PPO/EPO
Cigna PPO/EPO
Great West PPO
Health Net PPO/EPO
Interplan PPO/EPO
Humana PPO/EPO
United Healthcare PPO/EPO

"Usual and Customary (U&C) Charge" is the basis for how conventional indemnity plans operate. U&C charges is a term used for commonly charged or prevailing fees for health services within a geographic area. A fee is generally considered to be reasonable if it falls within the parameters of the average or commonly charged fee for the particular service within that specific community. This is sometimes also referred to as "Reasonable and Customary (R&C) Charge". In contrast, PPO plans often operate on a negotiated (fixed) schedule of fees. If you don't have insurance and/or wish to pay out of pocket we will discuss with you the Usual and Customary (U&C) Charge for our physician fees prior to your visit. If you wish to pay out of pocket and prefer to get reimbursement directly from your insurance company, we can also work with you and your insurance company accordingly.