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.
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



