Payment Options

Chances are we accept your medical insurance!

In addition to Medicare, we are contracted providers for Sutter Health and some of its Affiliates, Dignity Health, Aetna, United Health, Tricare, Tricare West and Sequoia. We are also able to receive out-of-network benefits for all PPO patients. If you are under any of these plans, come in today for your free sleep apnea screening. Don’t worry, we’ve got you covered!

Dr. Shturman has provided treatments for snoring and Obstructive Sleep Apnea for over eight years and we have now successfully treated more than 1500 patients and have earned the trust of over 300 physicians.

Payment Options & Information

These are tough economic times and you want to know where your hard-earned money goes. We believe patients deserve a clear explanation of fees charged for treatment. We’re here to answer your questions about any procedure or billing.

Insurance Plans

Our services fall under the coverage of medical insurance, not dental insurance.

As everybody knows the entire health industry is nothing short of a mess and the insurance industry is close to the top of the list. 10 years ago insurance coverage was pretty much black & white. Today, the different variables are all over the map. Is it a PPO or an HMO? What group do you belong to? Are there deductibles? What about co-pays? Etc. This is why the majority of practices do not accept direct payments from insurance companies. Sure a few practices may help you with some of the “paper work” but they leave it up to the patient to fight and collect from their insurance company.

We do accept insurance coverage and we never leave our patients out in the cold!

However, let’s talk about the reality. First of all we are constantly pursuing “in-network” status with all major insurance companies. We have this status with some companies such as; TRICARE, AETNA, UNITED HEALTH, and MEDICARE. Being a provider in network solves 90% of all possible problems and we are able to let you know your financial responsibility (if any) in a timely manner.

On the other hand, if we are “out of network” with your insurance company, it is literally impossible to quote you the co-payment portion of your policy the first time we talk with you over the phone or see you at your complimentary consultation. It is not as simple as submitting a claim on your behalf for total treatment cost. We are required to break down all the components of the treatment based on our treatment protocol (the standard of the industry) and this is no simple task. Add to this that one component submitted to XYZ insurance company may be paid differently than the same component, to XYZ on another claim, based on the individual’s different group number. This is why we are hesitant to even give a “ball park” figure. It’s a mess!

We ask for your patience and promise we will expedite the process as soon as we can. We will never leave you on your own. Unfortunately, both you and our practice are at the “mercy” of the insurance industry.

“No Interest” Payment Program

Prior to any treatment we will sit down with you and explain in detail, our recommended treatment plan. The total cost (minus insurance participation) and payment options will be addressed.

If needed, patients can apply for a “Low Interest” or “No Interest” payment program in our office. We accept most insurance plans, as well as major credit cards, cash, and personal checks.

Don’t wait another minute! Make your appointment now!

 

Associations & Memberships:

  • American Academy of Sleep Medicine
  • American Academy of Dental Sleep Medicine
  • International College of Cranio-Mandibular Orthopedics
  • Founding Members of American Academy of Oral Systemic Health