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Castellanos Family Practice 

Health Insurance

Insurance Plans We Accept at our Covina Family Health Center and Urgent Care Clinic

We accept most  Private Insurance Plans.

We also offer affordable pricing for Cash-Paying Patients.

We try our best to make sure all patients’ insurance claims are handled as accurately as possible from our end, but please note that services provided and insurance authorizations for treatments are the patient’s responsibility. If you have questions regarding your financial responsibility or insurance responsibility for medical treatment, we encourage you to contact our billing department or your insurance provider directly.

Disclaimer: While Castellanos Family Practice tries our best to contract with as many medical insurance carriers as possible, we encourage you to contact your insurance provider or Castellanos Family Practice to confirm we are in network. Mental health related appointments may not be considered In-Network by your insurance company. If your visit is related to mental health, please call your insurance to verify coverage in a primary care setting.

Below you will find a list of the insurance providers we accept and are contracted with at our family practice office. If you do not see your insurance provider listed below, please contact our office, as some insurance providers have special exemptions and may not be listed below.

Medicare & Medicare Advantage Plans



Blue Shield


Health Net

United Healthcare

First Health





Most PPO Insurance Plans

Most HMO Insurance Plans

Premium- The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly or yearly.

Copay- A fixed amount (for example, $15) you pay for a health care service.

Deductible-The amount you owe before your health insurance begins to pay; for example, if your deductible is $1000 your plan won’t pay anything until you’ve met your $1000 deductible. The deductible may not apply to all services. 

Allowed Amount- Maximum amount on which payment is based for covered health care services; for example, if an office bills $180 for an appointment but the insurance allowed amount is only $150, you are responsible for any balance based off of the allowed amount rather than the full $180.

Coinsurance- Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. 

HMO- A type of insurance plan which involved the selection of a Primary Care Physician (PCP) and IPA/PPG (also known as a medical group). This type of plan requires authorization for certain specialists and diagnostics. 

PPO- A type of insurance plan which generally offers more flexibility than HMO plans; however, premiums and out-of-pocket expenses tend to be higher. A PPO policy does not usually require the selection of a PCP or IPA/PPG, but may depending on your plan.

PCP- this stands for, Primary Care Physician. When enrolled in a HMO plan, you can only see your selected PCP for primary care services. 

Medical Group- Also known as IPA/PPG. These groups are responsible for payment of claims and authorizing referrals. When enrolled in a HMO policy, you are required to select a medical group. Each group has its own network of physicians and facilities. 

Insurance 101- A Quick Guide to Insurance

We know insurance terms can be confusing, but it's important to know how YOUR specific plan works. Below you will find some common insurance terms and definitions to better help you understand your policy/ Always call your insurance to verify coverage if you are unsure of how your plan works.