Accepted insurance
Find out if Montage Health accepts your health plan and get answers to common insurance-related questions.
Plans we accept
Contact your insurance provider to confirm we accept your plan, what services are covered, and what you may be responsible for paying.
Community Hospital of the Monterey Peninsula
Community Hospital accepts:
- Aetna
- Aspire Health Plan (which covers employees of Community Hospital, Montage Medical Group, and MoGo Urgent Care, as well as Aspire Blue Shield Trio HMO and Aspire Anthem HMO members)
- Aspire Medicare Advantage
- Anthem Blue Cross. Community Hospital holds tier-one, preferred status with employers like California Public Employees' Retirement System (CalPERS) and Monterey Peninsula College (MPC) that offer a tiered system of health insurance coverage. This reflects our longstanding, in-network status for all Anthem Blue Cross plans offered locally. Tier-one status means you’ll pay the lowest out-of-pocket costs, co-pays, co-insurances, and deductibles, and have access to a wide range of Community Hospital-based doctors, including certain specialists
- Beech Street Network
- Blue Shield of California, which considers Community Hospital-based doctors in network, so you have lower out-of-pocket costs for their services. Community Hospital is an in-network provider of the Blue Shield Life and Health insurance plan and preferred provider under Blue Shield of California preferred provider organization (PPO) plans
- Carelon (for behavioral health services; applies only to home healthcare providers in Monterey County administered by Central California Alliance for Health and subcontracted to Carelon)
- ChoiceCare Network (Humana)
- Cigna (except behavioral health plans)
- Coastal Healthcare Administrators
- Community Health Plan
- Covered California™, a health plan available in Monterey County from Blue Shield through the Covered California insurance exchange
- First Health
- Global Medical Management
- Health Net (including Health Net federal services for Tricare and CDCR members)
- HealthSmart
- HMC HealthWorks
- Magellan Health
- Managed Health Network (MHN) (for behavioral health services)
- Medicare
- Medi-Cal
- Pacific Health Alliance (PHA), includes Valley Health Plan (VHP)
- Three Rivers Provider Network (TRPN) PPO
- TRICARE (see Health Net)
- UnitedHealthcare®
- U.S. Behavioral Health/Optum (for behavioral health services)
MoGo Urgent Care
Read which health plans MoGo accepts, how much you may owe, and financial assistance options.
Montage Medical Group
Montage Medical Group bills commercial and governmental insurance for our patients. Plans we accept include:
- Athena
- Aspire Health Plan (which covers employees of Community Hospital, Montage Medical Group, and MoGo Urgent Care)
- Aspire Medicare Advantage
- Beech Street Network
- Anthem Blue Cross
- Blue Shield of California
- Central California Alliance for Health
- Cigna
- Coastal TPA
- Coventry Health Care
- Emergency Medical Services Fund (EMSF)
- Health Net
- Medicare
- Medi-Cal
- Pacific Health Alliance (PHA)
- TRICARE
- TRICARE West
- UnitedHealthcare®
Medicare and Medi-Cal
Community Hospital and Montage Medical Group are participating Medicare providers. If you’re covered by Medicare or Medi-Cal, you’ll be billed for any non-covered services or those that are your responsibility.
Call your Medicare plan provider and check your Medicare Handbook for specific information about your coverage, such as which medications are covered during a hospital stay.
Billing your insurance
Plan to bring your insurance card and ID the first time you visit a Montage Health location or provider for care or if your insurance information changes.
If you have coverage from more than one insurance company, we will bill the second insurance provider after the first one has paid. If you have health insurance coverage we’re not aware of, call and let us know so we can bill your insurance directly.
How much will I pay?
Depending on your insurance coverage, you may need to pay your co-payment (copay), deductible, or estimated patient portion during your visit. Contact your insurance provider or review your insurance card to learn more.
What your insurance covers
Your insurance provider will send you an explanation of medical benefits (EOMB or EOB). It will tell you the amount your insurance paid on a claim or the reason why all or part of the claim was not paid. Once your insurance has paid its portion, you’ll receive a bill for any remaining amount due.
What your insurance may not cover
Check with your insurance provider to learn what your plan covers. Examples of hospital services your plan may not cover include:
- Childcare services
- Guest meals
- Long-distance phone calls
- Take-home medications
What if I need help to cover my bill?
If your insurance doesn’t cover the full cost of your care and you need assistance, you may:
- Apply for financial assistance
- Set up a monthly repayment plan. As you make payments, expect us to send you information regularly about the status of your account, including the amount currently due
Assignments of health benefits
Montage Health does not accept assignments of health benefits as payment in full of its billed charges. We reserve the right to bill patients for those billed charges that are not paid by your health plan, in accordance with the law.
Do I need pre-authorization?
Contact your insurance provider to find out whether your insurance requires pre-certification or authorization for any care at Montage Health. If it’s required and you or your doctors don’t receive authorization, your insurance company may deny the claim or not provide full benefits.
Your financial responsibility
You are responsible for any costs not covered by your healthcare plan or insurance. Read our policies about your rights and responsibilities.
