acceptedHealth Insurers

illustration of hands holding a prescription bottle

Yes! ZoomCare does accept insurance.

You can pay for your visit with most private health insurance plans. We also accept Medicare at select locations. Learn how health insurance works and explore our handy list of accepted insurers below.
Here's how it works:
Check the list below to see if we accept your health insurance.
Enter your health insurance information when scheduling online or with our apps for iOS and Android.
Bring your health insurance card and photo ID to your visit.
At your visit, we'll give you an estimate of what your insurance company will pay and what you'll owe. If your insurance company isn’t able to verify your benefits, we’ll collect nothing at your visit except the cost of prescriptions. Once your insurance company has processed the claim, we'll collect your portion of the bill. This process typically takes 30 to 45 days.
If your insurance is verified, you will pay your portion before you leave. If your insurance paid less than we estimated, we'll notify you via email.

Health insurers we accept:

We are contracted with most major private health insurers.  We also accept Medicare at select locations. Check our list below or call your provider to confirm your insurance coverage and plan details.

Yes, ZoomCare does accept Medicare at select locations. Be sure to review the page of the clinic you are interested in for specific details. Due to state and federal policy, we cannot provide care to those who have coverage from the Oregon Health Plan or Medicaid. We can provide care to those who have TRICARE coverage, but you will be responsible for the full cost of the visit at checkout.

Insurance

Oregon
Vancouver
Salem
Seattle
Aetna
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Blue Cross Blue Shield
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Blue Cross of Idaho
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Anthem / Blue Cross Blue Shield of Colorado
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
CIGNA
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Choice Care Network
Portland not accepted insurance
Vancouver not accepted insurance
Salem not accepted insurance
Seattle not accepted insurance
Coventry Health Care
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
First Choice
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
First Health
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Friday Health Plans of Colorado
Portland not accepted insurance
Vancouver not accepted insurance
Salem not accepted insurance
Seattle not accepted insurance
Group Health Cooperative
Portland not accepted insurance
Vancouver accepted insurance
Salem not accepted insurance
Seattle accepted insurance
Health Net of Oregon
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Humana
Portland not accepted insurance
Vancouver not accepted insurance
Salem not accepted insurance
Seattle not accepted insurance
LifeWise Health Plan of Oregon
Portland accepted insurance
Vancouver not accepted insurance
Salem accepted insurance
Seattle not accepted insurance
LifeWise Health Plan of Washington
Portland not accepted insurance
Vancouver accepted insurance
Salem not accepted insurance
Seattle accepted insurance
Medicaid
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Salem accepted insurance
Medicare
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
*
Medicare Advantage
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
*
Moda Health
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
MultiPlan
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Oregon Health Plan
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
PacificSource Health Plans
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Premera Blue Cross
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Private Healthcare Systems
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Providence Health Plans
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Regence
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
The ODS Companies
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
United Healthcare
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Willow Health
Portland accepted insurance
Vancouver accepted insurance
Salem accepted insurance
Seattle accepted insurance
Aetna
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Blue Cross Blue Shield
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Blue Cross of Idaho
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Anthem / Blue Cross Blue Shield of Colorado
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
CIGNA
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Choice Care Network
Portland
Not accepted insurance
Vancouver
Not accepted insurance
Salem
Not accepted insurance
Seattle
Not accepted insurance
Coventry Health Care
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
First Choice
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
First Health
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Friday Health Plans of Colorado
Portland
Not accepted insurance
Vancouver
Not accepted insurance
Salem
Not accepted insurance
Seattle
Not accepted insurance
Group Health Cooperative
Portland
Not accepted insurance
Vancouver
accepted insurance
Salem
Not accepted insurance
Seattle
accepted insurance
Health Net of Oregon
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Humana
Portland
Not accepted insurance
Vancouver
Not accepted insurance
Salem
Not accepted insurance
Seattle
Not accepted insurance
LifeWise Health Plan of Oregon
Portland
accepted insurance
Vancouver
Not accepted insurance
Salem
accepted insurance
Seattle
Not accepted insurance
LifeWise Health Plan of Washington
Portland
Not accepted insurance
Vancouver
accepted insurance
Salem
Not accepted insurance
Seattle
accepted insurance
Moda Health
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
MultiPlan
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
PacificSource Health Plans
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Premera Blue Cross
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Private Healthcare Systems
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Providence Health Plans
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Regence
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
The ODS Companies
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
United Healthcare
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
Willow Health
Portland
accepted insurance
Vancouver
accepted insurance
Salem
accepted insurance
Seattle
accepted insurance
*We only accept Medicare at our Edmonds and Woodinville clinics.

Frequently asked questions

Do you accept Medicare, Medicaid, or other state-funded insurance?

Yes, ZoomCare does accept Medicare at select locations. Be sure to review the page of the clinic you are interested in for specific details. Due to state and federal policy, we cannot provide care to those who have coverage from the Oregon Health Plan or Medicaid. We can provide care to those who have TRICARE coverage, but you will be responsible for the full cost of the visit at checkout.

Are you in-network with my EPO or HMO insurance plan?

ZoomCare is not in-network with any EPOs or HMOs. If you have an Exclusive Provider Organization (EPOs) or Health Maintenance Organization (HMOs) plan you can get care at ZoomCare but you will be responsible for paying the visits costs in full. Contact your insurer for more information.

How do I bill Worker's Compensation Insurance?

To bill your employer's workers' compensation insurance when scheduling your visit:

1. Schedule a visit online or with our apps for iOS and Android.
2. When asked "How will you pay?" select "Workers' Compensation."
3. Enter your manager's name and phone number when prompted.
4. ZoomCare will collect the rest of the information needed from you when you arrive for your visit.

Note: Your employer cannot pay for your visit using their personal or business credit or debit card. In Oregon, ZoomCare must be the first place you get care for your injury or illness. We're not able to bill worker's compensation if you've started your care and a claim with another healthcare provider.

I have health insurance. How much will my visit cost?

Understanding the cost of your visit is linked to your specific insurance coverage. Some plans will cover a portion of care, while others may cover it fully. Most of our visits are billed as primary care, though some services—such as ZoomCare Specialists and ZoomCare Super Clinics—bill as specialist care. We realize insurance can be confusing, so we recommend calling the number on your insurance card for a clear explanation of your financial responsibility. It's also important to note that the type of visit you choose can impact your coverage. When discussing your needs with your provider, specify the service you require for the most accurate information. It may also be helpful to clarify what your deductible and copays are.

What are deductibles?

A deductible is a fixed amount you are responsible for paying each year before your health insurance benefits begin to cover the full amount. After meeting a deductible, you typically pay a coinsurance or copayment (a percentage of the costs) for any services that are covered by your plan. You will continue to pay coinsurance until you meet the out-of-pocket maximum for the year.

What are copays?

A copay, short for copayment, is the fixed amount you pay for a covered health service after you've paid your deductible. The remaining balance is covered by the patient's insurance company. Copayments can vary for different services within the same plan, like drugs, lab tests, and speciality visits. Generally, plans with lower monthly premiums have higher copayments. Plans with higher monthly premiums usually have lower copayments.

What does it mean if my insurance is unverified?

ZoomCare makes every attempt to verify a patient's insurance benefits before the visit. There may be times when we are unable to gather a status of your coverage from your provider. For example, your insurance information may be inaccurate or out of date, or the insurance company’s eligibility system may not respond. If your insurance company isn’t able to verify your benefits, we’ll collect nothing at your visit except the cost of prescriptions. Once your insurance company has processed the claim, we'll collect your portion of the bill. This process typically takes 30 to 45 days.