We take all insurance programs as a nonparticipating provider. Generally, since we do not contract with HMOs, we are also unable to bill HMOs without an approved referral from that HMO. When insurance coverage is in question, we collect at the time of service, but will bill your insurance company for the visit. We are a Medicare provider, and take Family PACT. We also take TriCare Standard and TriCare for Life. We are not a CenCal provider.