Insurance & Coverage Made Clear

We Verify Your Insurance Before You Ever Walk In

Before your first appointment, our front desk team contacts your insurance provider directly to confirm your coverage, copay, and deductible. We want you to know exactly what to expect financially before you sit down with Dr. Munib — because stress has no place in a medical visit.

We are in-network with Mission/Providence, Monarch/Optum, and Prospect Medical Group, and we accept most major PPO plans. For services not covered by insurance — such as aesthetic treatments or certain wellness programs — our team will walk you through transparent cash-pay pricing with no hidden fees.

Not sure if your plan is accepted? Just call us before booking. Our team will check your benefits, answer your questions, and make sure you feel confident before your visit.

Insurance & Coverage Options

We work with leading insurance providers to make your care at PurHealth accessible and affordable. Check your eligibility and explore coverage plans tailored to your needs.

In-network with most major PPO plans and Monarch and Mission HMO. Working with additional HMO plans to be In-Network soon.

• Cash Visits Accepted
• Telemedicine Patients Accepted
• Accepting New Patients

Common Questions About Coverage

Insurance can be complex — but getting care shouldn’t be. At The Pur Health, we make it easy to understand your benefits, whether you have HMO or PPO coverage. From verifying eligibility to explaining costs and covered services, our team is here to guide you every step of the way. Explore the FAQs below to get clear answers before your visit.

Does The Pur Health accept my insurance?

We are in-network with Mission/Providence, Monarch/Optum, and Prospect Medical Group. We also accept most major PPO plans including Anthem, Blue Shield, Cigna, Aetna, United Healthcare, and more. If you are unsure whether your plan is accepted, please call us at (949) 647-5234 and we will verify your coverage before your appointment.

What is the difference between HMO and PPO at your practice?

PPO plans generally allow you to see any in-network provider without a referral. Most PPO patients can schedule directly with Dr. Munib. HMO plans typically require you to have Dr. Munib designated as your Primary Care Physician before your visit so claims are processed correctly. Not sure which you have? Check the front of your insurance card — it will say PPO or HMO clearly.

How do I add Dr. Munib as my Primary Care Physician (PCP)?

To designate Dr. Sabeen Munib as your PCP, log in to your insurance member portal or call the member services number on the back of your card. You will need Dr. Munib's NPI number — our staff can provide this when you call us at (949) 647-5234. Changes typically take 1 to 3 business days to process with your insurer.

Are aesthetic and wellness services covered by insurance?

Most aesthetic treatments including Botox, fillers, microneedling, RF treatments, and PRP are considered elective and are not covered by insurance. These are billed as cash-pay services. Wellness services such as weight management, GLP-1 programs, and body composition scans may or may not be covered depending on your specific plan. We recommend calling your insurer before your appointment. Our team is happy to provide service codes to help you verify.

What happens during a consultation — will I be billed?

For HMO and PPO patients seeing Dr. Munib for a covered medical concern such as primary care, chronic condition management, or an annual exam, your visit will be billed through your insurance subject to your copay and deductible. For wellness, aesthetic, or weight loss consultations, a consultation fee applies. If you choose to begin a treatment program following your visit, this fee is credited toward your service — effectively making the consultation complimentary for patients who move forward.

Do you accept Medi-Cal or Medicare?

At this time, The Pur Health does not accept Medi-Cal. For Medicare, please contact our office directly at (949) 647-5234 as coverage varies by plan type and we can confirm your specific situation before scheduling. Cash-pay options are always available for patients whose insurance is not accepted.

What is your cancellation and no-show policy?

We kindly ask that you provide at least 24 hours notice if you need to cancel or reschedule your appointment. Late cancellations or no-shows may result in a fee. This policy allows us to offer that time slot to other patients in need. To reschedule, call us at (949) 647-5234 or email munib@thepurhealth.com.

Can I use my FSA or HSA for services at The Pur Health?

Yes. FSA and HSA funds can generally be used for medically necessary services and physician-ordered treatments. Many of our primary care, preventive, and medically supervised weight loss services qualify. Purely elective aesthetic services may not be FSA or HSA eligible. We recommend checking with your FSA or HSA administrator for your specific plan rules.

How do I verify my benefits before my appointment?

The easiest way is to call the Member Services number on the back of your insurance card and ask: Is Dr. Sabeen Munib in-network for my plan? What is my copay for a primary care visit? Have I met my deductible this year? Alternatively, our front desk can assist with basic insurance verification — just call us at (949) 647-5234 at least 48 hours before your appointment.