Skip to content
Beverly Hills · 435 N. Bedford Dr., Suite 308Mon–Fri 9:00 am – 5:00 pmMost PPO insurance accepted
Allen KamravaMD · MBA · FACS · FASCRS

Insurance & billing

Yes, we accept and bill your insurance.

Being out-of-network doesn't mean you can't use your insurance. Here's how it really works.

Schedule with confidenceor call 424.279.8222

What does out-of-network really mean?

In-network

Doctors sign a contract to accept a fixed “rate schedule” set by insurance companies. These rates are often significantly lower than the cost of providing high-quality care.

Out-of-network

Doctors have not signed that contract, but still bill insurance directly. We handle authorization, billing, and negotiation on your behalf.

Yes, we bill your insurance.

We bill all PPO and most non-HMO plans. Surgeries only proceed after insurance authorization is approved.

If you have an HMO, your plan requires in-network providers, but we can explain our cash-pricing option and discuss whether your plan might grant an exception.

Why don't all doctors sign in-network contracts?

In-network rates can be surprisingly low — often far below the cost of delivering high-quality care. Many patients assume insurance pays doctors thousands for procedures, but the reality is far different.

What happens when you're out-of-network?

01

Initial payment

Insurance may start with a very low payment.

02

Negotiation

We negotiate on your behalf, aiming for a fair middle ground.

03

IDR if needed

Independent arbitration under the No Surprises Act.

If negotiation fails, we can pursue IDR (Independent Dispute Resolution) under the federal No Surprises Act, where a neutral arbiter decides what's reasonable.

The bottom line for patients

  • We handle billing and fight for fair payment so you don't have to
  • Surgeries only move forward once insurance approval is in place
  • By law, you are only responsible for your deductible and coinsurance
  • We do not send patients to collection. Period.
  • If insurance truly won't cover, we reduce charges to our cash rate + billing team's fee
  • You'll know costs upfront — no surprises

Out-of-network doesn't mean out-of-pocket.

Watch this quick explainer to see how our process protects patients.

Our process, simplified

  1. 1Benefits check & estimate
  2. 2Preauthorization
  3. 3Treatment
  4. 4Claim submission
  5. 5Negotiation & IDR if needed
  6. 6Final responsibility review

Insurance questions, answered

What does out-of-network really mean?
In-network doctors sign a contract to accept a fixed rate schedule set by insurance companies — rates that are often significantly lower than the cost of providing high-quality care. Out-of-network doctors have not signed that contract, but still bill insurance directly. We handle authorization, billing, and negotiation on your behalf.
Do you accept and bill my insurance?
Yes. We bill all PPO and most non-HMO plans. Surgeries only proceed after insurance authorization is approved.
What about HMOs?
HMO plans only cover in-network providers. If you have an HMO, we can discuss cash pricing and whether your plan might grant an exception.
How much will I owe?
By law, you are only responsible for your deductible and coinsurance. You'll know costs upfront — no surprises, and we do not send patients to collection.
What if my insurance won't cover it?
We negotiate on your behalf, and if negotiation fails we can pursue IDR (Independent Dispute Resolution) under the federal No Surprises Act, where a neutral arbiter decides what's reasonable. If insurance truly won't cover the care, we reduce charges to our cash rate plus our billing team's fee.

Want to understand it more deeply?

Refer to our patient guide on the topic.

View the patient guide
CallBook