What insurance does DOSC accept?

Downey Outpatient Surgery Center accepts all major commercial PPO and HMO plans (Aetna, Anthem Blue Cross, Blue Shield of California, Cigna, Health Net, UnitedHealthcare), Medicare and Medicare Advantage, select workers' compensation panels and MPN cases, TRICARE on a case-by-case basis, self-pay, and medical liens for personal-injury and auto-accident cases. Specific network status depends on the contracted surgeon and plan — our billing team confirms coverage before scheduling.

How do I verify my benefits before surgery?

After your surgeon's office submits the case to our scheduling team, DOSC's billing department runs a verification of benefits (VOB) with your carrier. The VOB confirms your plan's coverage for the planned procedure, facility network status, deductible and out-of-pocket status, and any required authorizations. A patient financial counselor reviews the estimated patient responsibility with you by phone before your surgery date.

Will DOSC give me a cost estimate before surgery?

Yes. Self-pay patients and uninsured patients automatically receive a Good Faith Estimate under the federal No Surprises Act. Insured patients can also request a written estimate that reflects the facility portion of their care based on the verified benefits. Note that the facility estimate does not include professional fees billed by the surgeon, anesthesia provider, or pathology lab — those bills come from the providers directly.

What should I bring to pre-op registration?

Bring a government-issued photo ID, all current insurance cards (primary and secondary if applicable), your surgeon's H&P and clearance forms, any pre-op lab or EKG results, a complete medication list including dose and frequency, and your authorization or referral paperwork if your plan requires one. Our pre-op nurse will have called you the day before with specific instructions for your case.

Do you accept Medicare?

Yes. DOSC is Medicare-certified and participates in Traditional Medicare Part B for outpatient surgical services. We also contract with a range of Medicare Advantage plans. If you have Medicare as your secondary coverage, we coordinate benefits with your primary payer. Our billing team confirms your specific plan before scheduling.

Do you accept workers' compensation?

We accept select workers' compensation cases, including MPN (Medical Provider Network) and non-MPN cases, on a case-by-case basis. The referring physician's office should contact our billing department with the claim number, adjuster contact, date of injury, and authorized body parts before scheduling. Not all carriers are accepted — please confirm in advance.

What if I don't have insurance?

Uninsured and self-pay patients receive a Good Faith Estimate and a transparent all-in facility rate before scheduling. We offer payment plans through a third-party patient financing partner and can sometimes coordinate care on medical lien if your case qualifies (for example, personal-injury cases with attorney representation). Call the billing department for a self-pay quote.

Insurance & Payment

Outpatient surgery covered by insurance in Downey and Los Angeles.

Downey Outpatient Surgery Center accepts all major PPO and HMO plans, Medicare, Medicare Advantage, workers’ compensation, self-pay, and medical liens. Our billing team verifies your benefits before your surgery date and walks you through out-of-pocket costs in plain language — no surprises on the day of your procedure.

Call Billing — (562) 555-0100 Request benefits verification

Insurance plans accepted at DOSC

DOSC is contracted with the carriers and networks most commonly used by patients throughout Los Angeles County. Network status can vary by plan tier and by the individual surgeon’s contracts, so our billing team always confirms coverage in writing before we schedule your case.

Commercial PPO & HMO

Aetna (PPO, HMO, POS)
Anthem Blue Cross of California (PPO, HMO, EPO)
Blue Shield of California (PPO, HMO, Trio, Tandem)
Cigna (PPO, OAP, HMO)
Health Net (PPO, HMO, CommunityCare)
UnitedHealthcare (PPO, Choice Plus, HMO, Navigate)
MultiPlan / PHCS (most networks)
First Health / Coventry

If your plan isn’t listed, call us — we frequently participate in sub-networks and shared-savings arrangements that aren’t on the primary name.

Medicare & Medicare Advantage

Traditional Medicare Part B (DOSC is Medicare-certified)
Medicare Advantage plans from Aetna, Anthem, Blue Shield, Cigna, Health Net, Humana, and UnitedHealthcare / AARP
Secondary / supplemental Medigap plans coordinated with the primary payer

Workers’ compensation

Select MPN (Medical Provider Network) panels
Non-MPN workers’ compensation cases on a case-by-case basis
Cases coordinated with the claims adjuster and the treating physician’s office — please have the claim number, date of injury, and authorized body parts ready

Government & other

TRICARE — accepted on a case-by-case basis (contact billing for authorization)
Self-pay — transparent bundled facility rate + Good Faith Estimate
Medical liens for personal-injury, auto-accident, and qualifying cases — see our For Attorneys page

How we verify your benefits before surgery

Once your surgeon’s office sends the case to our scheduling team, our billing department runs a verification of benefits (VOB) with your insurance carrier. The VOB answers the practical questions that determine what you’ll pay out of pocket:

Is the planned procedure a covered benefit? — confirmed against your specific plan and CPT code.
Is DOSC in-network for your plan? — and separately, is your surgeon in-network? (These are two different contracts.)
Has your deductible been met? — we pull current-year accumulator data from the carrier.
What is your co-insurance or co-pay for outpatient surgery? — and how close are you to your out-of-pocket maximum?
Is prior authorization required? — and if so, has it been obtained? (We coordinate with your surgeon’s office on this.)

A patient financial counselor then calls you to review the estimate, collect any expected patient responsibility (often on the day of surgery), and answer questions. You’ll receive a written summary of the benefits in your pre-op packet.

Good Faith Estimates & out-of-pocket costs

Under the federal No Surprises Act, patients without insurance (or who choose not to use their insurance) receive a written Good Faith Estimate of expected charges before their scheduled service. Insured patients can also request a written estimate based on the verified benefits. See our dedicated Good Faith Estimate page for the full policy.

A few important clarifications about estimates:

The facility estimate covers the facility portion only — the operating room, nursing staff, supplies, recovery, and other services billed by DOSC.
Professional fees are billed separately by the surgeon, the anesthesia provider, and (if applicable) the pathology lab. Those offices bill you directly on their own timeline.
Implants, hardware, and specialty supplies may be billed separately depending on the procedure — we note these explicitly on the estimate.
Unexpected findings during surgery (additional procedures discovered intraoperatively) can change the final charges. When this happens we follow up with you and the carrier promptly.

What to bring to pre-op registration

Our pre-op nurse will call you the day before your surgery with case-specific instructions (fasting, medication hold, ride home, etc.). On the morning of surgery, please bring:

Government-issued photo ID (driver’s license, state ID, or passport)
All current insurance cards — primary and secondary
Your surgeon’s H&P (history & physical) and medical clearance, if not already faxed
Any pre-op labs, EKG, imaging, or cardiac clearance documentation
A complete list of current medications with doses and frequency
Your authorization letter or referral, if your plan requires one
A responsible adult driver for discharge — you cannot drive home after anesthesia
Payment method for any expected patient responsibility (card, cash, or check)

Self-pay & medical-lien options

If you don’t have insurance, or if your insurance won’t cover the procedure your surgeon has recommended, we have two pathways to help:

Self-pay with a bundled facility rate. We provide a transparent Good Faith Estimate and a discounted self-pay rate for most common outpatient procedures. Payment plans are available through our third-party patient financing partner.
Medical lien. For personal-injury, auto-accident, and select workers’ compensation cases represented by an attorney, DOSC accepts medical liens — surgical care is provided with payment deferred until settlement. See our For Attorneys page for the full lien process.

Questions about coverage?

Our billing team answers coverage and VOB questions Monday through Friday, 7:00 AM to 5:00 PM. We’re happy to call your carrier on your behalf, translate a denial letter, or walk through your Good Faith Estimate line by line.

Phone — Billing

(562) 555-0100

Email — Billing & verification of benefits

[email protected]

Hours

Mon–Fri · 7:00 AM – 5:00 PM

Insurance network status changes periodically and this page is updated as contracts change. The controlling answer for your specific plan is the written verification of benefits our billing team provides before your surgery date.

Let’s confirm your coverage.

Our billing team will verify your benefits and walk through the estimate before your surgery.

Call (562) 555-0100 Email Billing

How DOSC handles surprise billing protections under the No Surprises Act

The No Surprises Act, effective January 2022, established federal protections that limit what patients can be billed for certain services received at in-network ambulatory surgery centers. Downey Outpatient Surgery Center participates in these protections and provides patients with written disclosures before scheduled procedures, so the financial picture is clear before the day of surgery.

The core protection works like this: when a patient receives covered care at an in-network ASC, ancillary providers involved in that care (anesthesiologists, pathologists, radiologists, assistant surgeons) cannot send a separate balance bill at out-of-network rates without the patient's informed, written consent. The patient's responsibility for those ancillary services is limited to in-network cost-sharing amounts, even if the individual provider does not contract with the same insurance plan. This closes a billing gap that historically caught patients off guard after outpatient procedures.

DOSC's billing office works through several steps to keep patients informed. Before a scheduled surgery, the team verifies insurance benefits, confirms in-network status for the facility, and identifies which ancillary providers are expected to participate in the case. Patients receive a good-faith estimate that lists anticipated charges from the facility, the surgeon, and ancillary providers when those amounts can be reasonably projected. If a provider involved in the procedure is out-of-network and the patient would otherwise be asked to waive No Surprises Act protections, DOSC will not request that waiver for emergency or ancillary services covered by the law.

What patients can do if a bill looks wrong

Patients who receive a bill that appears to violate surprise billing protections have several options. The first step is to contact the DOSC billing office directly; many disputed charges turn out to be coding or insurance-processing issues that resolve once the claim is reviewed. If the question involves a separate provider's bill rather than the facility charge, patients can ask that provider's office to confirm whether the charge complies with the No Surprises Act.

For unresolved disputes, the federal No Surprises Help Desk operates a complaint process at 1-800-985-3059, and the Centers for Medicare and Medicaid Services maintains a patient-facing portal where bills can be reviewed for compliance. California patients also have additional state-level protections under AB 72, which predates the federal law and continues to apply in parallel for many fully insured plans regulated by the state. Self-funded employer plans generally fall under federal jurisdiction, so the applicable rules depend on plan type, a detail the billing office can help confirm.

Patients are encouraged to keep all written estimates, explanations of benefits, and itemized statements together in one place. Comparing the good-faith estimate to the final bill is the fastest way to identify a discrepancy worth raising. DOSC's billing staff is available by phone during business hours and responds to written inquiries within standard timeframes for medical billing offices.

This page is informational and is not medical, financial, or legal advice. Specific billing questions and coverage decisions should always be made in consultation with a qualified insurance representative, billing specialist, or attorney familiar with your plan and circumstances.