Los Gatos/Campbell: 408.356.9300 Evergreen/Silver Creek: 408.531.1200  

Insurance & Billing

When paying for your service, we accept the following forms of payment:

 cash  credit



** We do not accept checks or Discover Card **

** We do not accept Blue Cross Individual Covered CA, Straight Medi-Cal, or HMO plans**

Insurance and Insurance Collection:

We will attempt to bill whichever insurance you have advised us to bill. Please understand that insurance reimbursement can be a long process for medical providers and patients. There are instances when insurance companies deny claims. Our billing staff has extensive training to maximize your insurance reimbursement while reducing the time in which they pay.

Non-Contracted Insurance Plans/No Insurance Card Present:

If you are unable to present an insurance card at the time of service or if you are covered by an insurance company with which we are not contracted, we require that you pay for your service in advance. If we are able to collect from your insurance company after you have fully paid, we will issue you a refund.

Each and every insurance company, including Medicare, has different plan levels and benefits. Because your health insurance is an arrangement between you and your insurer, you should understand what services are covered under your specific plan. Your insurer can assist you with any questions you have relative to your own benefits.

Co-Payments are due at the time of service. You should know what that amount is and have it ready at the time of your visit. Patients and guarantors are financially responsible for any and all services provided that may not be covered by your insurance plan.

It is your responsibility to know and understand your specific insurance plan and which benefits are covered.

If you have a POS insurance plan and we are contracted with that insurance company, we can bill your services under the PPO portion of your benefits. Please be aware that PPO benefits may include a deductible, co-payment and co-insurance which would likely be your financial responsibility.

Secondary Insurance Plans:

Having more than one insurer DOES NOT necessarily mean that your services are covered 100%. Depending on your plan’s benefits, the secondary insurers will pay as a function of what your primary insurer pays. You are responsible for any remaining balance after your insurance company has processed your claim.

Other Items:

Minor Patients

The adult accompanying a minor and the parents (guardians) of the minor are responsible for full payment for services rendered to the minor patient.


After Hours Healthcare will send you a statement after your insurance company has been billed and your charges have been considered or paid. Please ensure that your balance is paid within a timely manner.

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