New Jersey insurance plans
Optum (New Jersey) accepts most major insurances, including:
Aetna
- Aetna Whole Health Plans
- Aetna Standard Plans
- Aetna Open Access Plus Plans
- Aetna HealthFund Plans
- Savings Plus Plans
- Aetna with Innovation Health Plans
- National Advantage Program (NAP)
- Aetna CVS Health Plans
- Aetna Assure Premier Plus Plan
- Medicare Advantage Individual and Group Plans
Non-participating: Aetna Better Health (Medicaid)
AmeriHealth
- Local Value Network (including AmeriHealth Advantage & AmeriHealth Hospital Advantage) (Tier 2)
- Regional Preferred Network
- Value Plus Network
Cigna
- HMO
- POS
- PPO
- EPO
- Cigna Courage Medicare (HMO)
- Cigna Preferred Medicare (HMO)
- Cigna True Choice Medicare (PPO)
- Cigna True Choice Savings Medicare (PPO)
- Cigna True Choice Plus (PPO)
- Oscar
- Great West
Clover Health
Beginning January 1, 2025: Clover Medicare Advantage plans will be out-of-network.
Empire BCBS
- Participating through the Blue Card Program
Fidelis Care Formerly known as WellCare
Beginning January 1, 2025: Fidelis Medicaid plans will be out-of-network.
First Health
- Participating through Aetna Network
GHI
- Secondary to Medicare only
Non-participating: Emblem and Comprehensive Benefits Plan (CBP)
Horizon Blue Cross Blue Shield of New Jersey
- Direct Access
- EPO
- HMO
- POS
- PPO
- Indemnity
- OMNIA Health Plans
- Braven Medicare Advantage Plans
- Federal Employees Program (FEP)
- State Health Benefit Program (SBHP)/School Employees’ Health Benefits Program (SEHBP)
- Horizon NJ Total Care (HMO D-SNP)
Horizon NJ Health
- NJ Family Care
- Horizon NJ Total Care (HMO D-SNP)
Local 1199
- Participating through the Aetna Network
Medicare
- Including Railroad Medicare
Tricare Authorized non-network provider
UnitedHealthcare
- UnitedHealthcare Medicare plans:
- AARP Medicare Advantage Plans
- Erickson Medicare Advantage Plans
- UnitedHealthcare Medicare Advantage Plans
- Veteran Affairs CCN
- UHC Community Plan (NJ Family Care & Dual Complete)
Wellcare
- Wellcare No Premium (HMO-POS)
- Wellcare Dual Liberty (HMO D-SNP)
- Wellcare Assist (HMO)
- Wellcare No Premium Focus (HMO)
- Wellcare Patriot No Premium (HMO)
- Wellcare Giveback (HMO)
- Wellcare Low Premium Open (PPO)
Beginning January 1, 2025: Wellcare Medicare Advantage and DSNP plans will be out-of-network.
Wellpoint Formerly known as Amerigroup Community Care
- NJ Family Care
- Amerivantage Balance (HMO)
- Amerivantage Dual Coordination (HMO D-SNP)
- Amerivantage Dual Secure (HMO-POS D-SNP)
- Amerivantage ESRD Care (HMO-POS C-SNP)
- Amerivantage Choice (PPO)
- Amerivantage Classic (HMO)
- UnitedHealthcare commercial plans include EPO, HMO, POS, HMO Plus, PPO, Oxford (Liberty, Freedom, Metro), Nexus ACO, Indemnity, Compass.
New Jersey urgent care insurance plans
Optum accepts most major insurances, including:
America’s Choice Provider Network
Cigna
Non-participating: Cigna Medicare Plans
Consumer Health Network (CHN)
Fidelis CareFormerly known as WellCare
Geisinger Health Plan
Southern NJ locations only
HealthSmart Payor Organization
Horizon Blue Cross Blue Shield of New Jersey
Independent Medical Systems (IMS)
Medicare Including Railroad Medicare
Prime Health Services (PPO Provider Network)
Three Rivers Provider Network
Tricare Authorized non-network provider
UnitedHealthcare Including Oxford, UHC Community Plan, Veterans Affairs CCN
US Family Health Plan (USFHP)
Wellcare Health Plans of New Jersey
WellpointFormerly known as Amerigroup Community Care
Not sure whether you’re in-network?
Optum accepts most major health insurance plans. Before selecting a provider, please check with your insurance company to verify your eligibility and coverage to ensure the provider participates in your plan.
If you have insurance coverage from a company that is not listed above, the services are probably “out-of-network” and you will be responsible for a greater out-of-pocket expense.
For help selecting a plan that participates with Optum, please Contact us.
What if my insurance doesn’t cover my service?
If you are out-of-network or choosing to pay out of pocket, services are still available. Here’s what you need to know:
- You have the right to request a good faith estimate of expected charges prior to receiving services.
- You will not be billed more than the out-of-pocket maximum limit established by your health plan. This includes the billing of all applicable deductibles, copay and coinsurance.
- In compliance with the “No Surprise Act”, a patient is held harmless from the cost of unanticipated out-of-network bills.
Contact us if you have questions or need more information about participating plans, billing or the “No Surprise Act”.
This page contains accepted insurance details for patients in New Jersey. Patients in New York, please visit our