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Insurance & Payment
Know how your coverage works before your first visit.
We keep this simple. Below is exactly which plans we participate with, how out-of-network care works, and what to do if you are paying on your own. If anything is unclear, our team will check your benefits for you at no charge.
In network
Plans we participate with.
We are contracted with commercial PPO plans only, from two carriers. “Commercial” means a plan you receive through an employer or purchase directly from the carrier.
Anthem Blue Cross
Commercial PPO plans.
Blue Shield of California
Commercial PPO plans.
We do not participate with
- HMO or EPO plans from any carrier, including Anthem and Blue Shield
- Plans purchased through Covered California or any state or federal marketplace
- Medicare and Medicare Advantage
- Medi-Cal and Medi-Cal managed care
If you are not sure which category your plan falls into, the plan type is usually printed on the front of your insurance card next to the carrier name. Call us and we will identify it with you.
Effective September 26, 2026, Yunella Women’s Health will no longer participate in network with Aetna or Cigna. If you have an Aetna or Cigna plan with out-of-network benefits, we can still care for you — see below, or call us and we will walk you through what your plan covers.
Out of network
Not in network is not the same as not an option.
If your plan is one we do not participate with, you may still be able to be seen here.
Many PPO plans include out-of-network benefits, and many of our patients use them to stay with Dr. Kim. What those benefits are worth varies from plan to plan — so before you decide anything, we will find out what yours actually covers. Here is how it works at Yunella.
We verify your benefits first
Before you commit to anything, our team contacts your carrier to confirm your out-of-network deductible, your coinsurance rate, and whether prior authorization is required for any planned service.
You pay us, and we give you the paperwork
For out-of-network care, payment is due to Yunella at the time of service. After each visit we provide an itemized superbill with the diagnosis and procedure codes your insurer needs, which you submit for any reimbursement available under your plan.
We give you an estimate before you begin
We provide a written estimate of Yunella’s charges before your visit and explain how your reported out-of-network benefits may apply. Final reimbursement is determined by your health plan.
Without insurance
Paying directly.
We care for a number of patients who choose to pay directly, including those between plans, visiting from abroad, or who simply prefer to keep insurance out of their care decisions.
Self-pay patients receive a written estimate based on the care being planned, so you can review expected charges before moving forward. Tell us what you are considering and we will prepare one, usually within one business day.
Treatments at Yunella Wellness & Aesthetics are entirely self-pay and are priced separately from clinical care.
Concierge maternity care
For patients who want a different kind of pregnancy experience — extended appointments, direct access to Dr. Kim, and every ultrasound performed by your physician rather than a technician — we offer a concierge maternity program with a deliberately limited number of places.
Concierge membership fees cover services and access outside standard insurance-covered medical care. Covered clinical services continue to be billed through insurance when applicable.
Not sure where your plan falls?
Send us a request. We will contact you to review your insurance information, verify your benefits with your carrier, and tell you what to expect — at no charge.
What is billed separately
Bills that do not come from us.
Your bill from Yunella covers the care you receive in our office. The following are billed independently by other providers, and their network status may differ from ours.
- Hospital facility charges for labor, delivery, and surgery
- Anesthesia
- Laboratory work sent to an outside lab
- Pathology
- Imaging performed outside our office
- Newborn care after delivery
When we know that another provider or facility will be involved, we will let you know and help you identify what coverage questions to ask.
Payment & policies
The practical details.
Visa, Mastercard, American Express, Discover, debit, HSA and FSA cards, and cash.
Copays and self-pay balances are collected at the time of service. For surgeries and package-based care, a deposit is arranged in advance.
We ask for as much notice as you can give us, so the time can be offered to another patient who is waiting.
For certain procedures, extended payment options may be available. Ask our billing team.
Your right to a Good Faith Estimate
If you are uninsured or choose not to use insurance, you have the right to receive a Good Faith Estimate of expected charges when you schedule eligible non-emergency care in advance, or when you request an estimate. If a provider’s final bill is at least $400 more than that provider’s Good Faith Estimate, you may have the right to dispute the bill. For more information, visit cms.gov/nosurprises or call our office at (424) 404-8832.
Complimentary
We will check your benefits for you.
Send us your information and we will contact your carrier directly. You will hear back with your deductible, your expected out-of-pocket cost, and whether we are in network — usually within one to two business days.
Benefits verification is based on information provided by your insurer and is not a guarantee of coverage or payment. Final patient responsibility is determined by your plan when the claim is processed.
Questions
What patients ask about coverage.
Do you take my insurance?
We participate with commercial PPO plans from Anthem Blue Cross and Blue Shield of California. If you have a different carrier, or an HMO, EPO, or marketplace plan, we are happy to check your out-of-network benefits at no charge.
Do you accept Aetna or Cigna?
Effective September 26, 2026, we no longer participate in network with Aetna or Cigna. Many Aetna and Cigna PPO plans include out-of-network benefits, and we can help you find out what yours covers. See out-of-network care.
Do you accept Medicare?
No. Yunella Women's Health does not participate with Medicare. Patients with Medicare coverage are seen on a self-pay basis, and we will prepare a written estimate before you schedule.
I have Blue Shield through Covered California. Am I covered?
No. We participate with commercial Blue Shield PPO plans only — those offered through an employer or purchased directly from Blue Shield. Marketplace plans use a separate, narrower network.
How do I know if my plan is a PPO?
The plan type is usually printed on the front of your insurance card. If you are unsure, call us and we will identify it with you.
If you are out of network, do I pay you directly?
Yes. For out-of-network care, payment is due to Yunella at the time of service. We then provide an itemized superbill with the diagnosis and procedure codes your insurer requires, which you submit for any reimbursement available under your plan.
What if I don't have insurance?
We see self-pay patients regularly. Tell us what you are coming in for and we will prepare a written estimate of expected charges before you schedule.
Can I use my HSA or FSA?
Yes, for clinical care.
Do you offer superbills for reimbursement?
Yes. Every out-of-network visit comes with an itemized superbill containing the codes your insurer requires.
Which insurance does Yunella Women's Health accept in Los Angeles?
Commercial PPO plans from Anthem Blue Cross and Blue Shield of California. We do not participate with HMO or EPO plans, marketplace plans purchased through Covered California, Medicare, or Medi-Cal.
Do you offer a free insurance benefits check?
Yes. Send us your information and we will contact your carrier directly, then come back to you with your deductible, your expected out-of-pocket cost and whether we are in network — usually within one to two business days, at no charge.
Can I be seen at Yunella without insurance?
Yes. We see self-pay patients regularly, and you will receive a written Good Faith Estimate of expected charges before you schedule.
Still have questions?
Call us. A real person will answer.
We would rather sort this out before your visit than after.
Or call (424) 404-8832 · 6330 San Vicente Blvd, Suite 418, Los Angeles, CA 90048