We accept

California plans

Based in Southern California, Hoag Compass accepts most California commercial health plans (and we’re working to add more!).

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Insurance carriers

Hoag Compass accepts PPO and some Medicare insurance plans. Contact your Benefits Manager to confirm plan eligibility.

  • Cigna + Oscar
  • First Health
  • Health Net
  • Medicare PPO
  • Medicare Advantage PPO
  • MultiPlan
  • Private Healthcare Systems

What’s covered

Every insurance carrier is different. Contact your insurance company to confirm what is covered and what isn’t covered.

Doctor’s visits

Typical commercial insurance plans cover your doctor appointments, and you’re only responsible for the copay amount. If you are privately insured, the copay may appear on the back of your insurance card.


Monthly membership fees include full app access, care plan, health coaching, mental health services, general labs, care coordinator access, and other services. Insurance cannot be used to cover your membership fee.

Not Covered

Copays & advanced labs

Insurance typically does not cover copays, advanced labs, or DNA testing. Contact a Care Coordinator or insurance company to learn more about your out-of-pocket costs. 

Connect with us

Contact a Care Coordinator at (949) 557-0951 to ask questions about membership, insurance, billing, and more.


We accept PPO and Medicare PPO insurance plans. Insurance covers the basics, like annual labs, office visits, and physical exams. Insurance does not cover the initial set-up or monthly program maintenance fees.

Hoag Compass accepts most PPO, EPO, and Medicare PPO plans in California. Your insurance will be billed for clinical visits and medical procedures like a traditional healthcare provider. Insurance benefits, copays, deductibles, and non-reimbursable fees still apply as specified by your insurance plan. Please contact your insurance provider for more information on coverage.

Hoag Compass does not participate in HMO plans at this time. If you are considering switching to a PPO plan during your next Open Enrollment Period and have questions about plans to consider, please get in touch with our office at (949) 557-0951.

Yes! You don’t need private insurance to be a Hoag Compass member. We welcome you on board if you are comfortable paying for membership and out-of-pocket medical services.

Insurance does not cover membership fees, but membership may be covered under your HSA or FSA plan. However, it’s always best to double-check with your HSA benefits provider before joining Hoag Compass to ensure that the membership fee is considered a covered service. Also, so that you know, your insurance will typically cover the time you spend with a healthcare provider and any necessary lab tests. Still, specifics can vary depending on your insurance plan. Contacting your insurance provider is a good idea if you have any doubts or questions.

We’re here to help you with any questions about your insurance coverage. Please don’t hesitate to contact our office and member concierge at (949) 557-0951. To ensure a smooth process, have your insurance details ready, including your policy number and policyholder’s information.

Advanced lab and genetic tests will incur out-of-pocket fees. Your general labs, which you get annually with your primary care provider, are typically covered. However, you can contact your insurance provider to understand how much advanced labs will cost. You can ask the care team for a lab order with billable codes, which you can then send to your insurance to determine what’s covered and what’s not, as well as the prices for the latter. Genetic tests will cost $207 through our preferred partner, which you will be responsible for out-of-pocket.

We accept Medicare and Medicare Advantage PPO plans. We do not accept Medicaid plans at this time.

We suggest you contact your carrier first to determine how to use your account funds. Sometimes, you can use FSA and HSA accounts for copay payments, advanced diagnostic tests, eligible prescriptions, and more.

  • Copays are fixed amounts you pay for covered medical services. You usually pay copays for doctor visits and prescription medications. Copay amounts can typically be found on your insurance card or by contacting your insurance company. 
  • Deductibles are the amounts you pay for medical services before your insurance starts to cover the cost. After you pay the deductible, you will pay a copay (usually a fixed amount) or coinsurance (usually a percentage of the medical services offered) amount dictated by your insurance provider. If a patient has a remaining deductible, we will collect $60 toward it so they can reach it and start paying their copay. 
  • Out-of-pocket costs are any medical services you pay cash for and are not covered by your insurance or other program (e.g., DNA testing). 

We bill insurance based on time spent with the provider and the mental health specialist. Health coaching, nurse visits, and Care Coordinator calls/messages are not billed to insurance; they are services included in your membership.

We would prefer you contact our Membership Concierge at (949) 557-0951 and give us your new insurance information. Our team will verify your information and update your record for your next visit.