Insurance & Financing

Accepted insurances

We accept Medicare and most insurance plans. We also participate in HMO networks; John Muir Medical Group and Affinity Medical Group. You must bring your insurance card with you for each visit and inform us immediately if you have any changes to your insurance.

We accept the following insurance plans:

  • Aetna – HMO, PPO, POS
  • Anthem Blue Cross of CA – HMO, PPO (Group Plans Only)
  • Beech Street – PPO
  • BlueCard (Out-of-State) – PPO
  • Blue Shield – HMO, PPO, POS, EPO, Covered California/Exchange – PPO & EPO
  • Cigna/Great West – HMO, PPO, POS
  • Contra Costa Health Plan
  • Delta Health Systems – PPO
  • First Health – PPO
  • John Muir Health Medicare Advantage – Blue Shield 65+, Golden State, Humana Medicare Advantage
  • Healthnet – HMO, PPO, POS, Covered California/Exchange – PureCare One EPO
  • Humana/ChoiceCare – HMO, PPO
  • Medi-Cal – Contra Costa Subscriber County only
  • Medicare
  • Medicare Railroad
  • Multiplan/PHCS/Beech Street – PPO
  • Tricare
  • United Healthcare – HMO, PPO
If your insurance is not listed here, please call your Member Services phone number on your insurance card to inquire if DVO is a contracted provider. Our team is here to help. If you need assistance please call (925) 677-5041.

Co-pays, deductibles, and co-insurance collection policy

We require all co-pays, deductibles, and co-insurance to be paid at the time of service by cash, check, or credit card. If you have deductible or a co-insurance we will inform you of what your payment will be in advance of your visit. We are required by law to collect co-pays at the time of each visit to our office for service of any kind.

Refund Policy and Procedure

It is the policy of the practice to comply with the Correct Coding Initiative and refund overpayments on accounts to the rightful party within 60 days of receipt. The practice will mail refund checks to patients and to insurance companies that don’t recoup payment with credit balances once a month. The practice will efficiently and accurately account for all refunds. (click here for details.)

Insurance benefits review/billing policy

We will develop an insurance benefits summary and review it with you prior to your treatment. This summary will explain the cost of your treatment, what your insurance will cover, and the portion you will be responsible to pay (deductible or co-insurance amounts). We are happy to bill up to two insurance companies on your behalf. If you prefer, you can submit the bill(s) to your insurance company. Our trained billing staff is available to provide individual review of your insurance explanation of benefits (EOBs) and to assist you with all financial aspects of your medical care.

Patient assistance programs

We will research any and all Patient Assistance Programs available through pharmaceutical companies and foundations that may apply to your medical and/or financial situation. If you qualify, we can assist you with the application and guide you through the process.