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Insurances Accepted

Published: February 23rd, 2026

We work with many of the most common commercial insurance plans. Because plans vary by employer, network, and state, our team verifies your benefits before your visit to confirm coverage and expected costs.

Plans We Commonly Accept

Nationwide / Multi-State Plans

  • Aetna
  • Cigna
  • Blue Cross Blue Shield/Anthem/Blue Shield/BCBS (varies by state and plan)
  • UnitedHealthcare
  • Oxford
  • MultiPlan

Connecticut (CT)

  • ConnectiCare
  • EmblemHealth
  • Most major commercial PPO plans

California (CA)

  • Most major commercial PPO plans
  • Health Net

If you don’t see your plan listed, contact us — we may still be able to work with your insurance.

What "Accepted" Means

Insurance participation depends on:

  • Your specific plan
  • Your employer group
  • Network type (PPO, HMO, EPO, etc.)
  • Referral or authorization requirements

Even if your insurance company is listed above, your plan may have different network rules.

Our team verifies your eligibility and explains your benefits before your appointment whenever possible.

What You May Be Responsible For

Even with in-network insurance, you may owe:

  • Copayments
  • Deductibles
  • Coinsurance
  • Non-covered services

Verification of benefits is not a guarantee of payment. Your insurer makes final coverage decisions.

Referrals & Prior Authorization

Some plans require:

  • A primary care referral
  • Pre-authorization for certain services

If required, we will guide you through the next steps.

Out-of-Network Coverage

If we are out-of-network with your plan:

  • You may still have out-of-network benefits
  • We can provide documentation for you to submit to your insurer
  • You may be responsible for upfront payment

Important Note About Our Structure

Ozara is the technology and administrative platform supporting your care.

Medical services are provided and billed by affiliated professional medical entities, including:

  • HLTH Lab Medical LLC
  • Doctors Office & Walk-In Clinic CA, Inc.
  • Doctors Office CT PLLC

Your insurance claims are submitted by the professional entity providing your care.

How to Check Your Coverage

To verify your benefits, please provide:

  • A photo of the front and back of your insurance card
  • Your date of birth
  • The state where you will receive care
  • The type of visit you are scheduling

Our team will confirm your network status and estimated patient responsibility.

Questions?

Email: frontdesk@ozara.com

Josh K. Shajan, M.D., M.B.A.

Co-Founder, Chief Medical Officer, & Practicing Yale-Trained Internist

Ozara Health

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