Coverage & Billing
Insurances We Accept
We participate with most major insurers and offer transparent self-pay options.
Insurance participation changes. Always verify your specific plan is accepted when you call to schedule.
Medicare
- Medicare
Medi-Cal
- Medi-Cal
- Molina Healthcare
Government
- VA
PPO Plans
- Blue Shield of California
- Blue Cross (Anthem)
- Aetna
- United Healthcare
- Humana
Physician Networks
- Coastal Communities Physicians Network (CCPN)
- Physicians Choice of SLO
Self-Pay & Cash Options
- Self-Pay / Uninsured
Verifying your benefits
Before your appointment, our team will contact your insurance to verify your benefits, in-network status, and any deductible, copay, or coinsurance you may owe. We'll communicate any expected out-of-pocket costs to you in advance.
Self-pay & uninsured patients
We welcome patients without insurance and offer transparent self-pay rates. Many patients with high deductibles also choose to pay cash for routine visits. Call us at (805) 946‑1799 for current self-pay pricing.
Questions about billing?
Our billing team is available Monday through Friday. Call (805) 946‑1799 with any questions about a statement, payment plan, or insurance issue.
Get back on your feet!
Schedule a consultation with Dr. O'Carroll at our Pismo Beach or Santa Maria office. Dr. O'Carroll's schedule fills quickly - we recommend requesting an appointment as early as you can to get on the list.