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Our current contracts include: Aetna, Beech Street PPO, Blue Cross PPO, Blue Shield PPO, Choicecare, CIGNA, CorVel, First Health, Health Net PPO, Interplan, Medicare, MultiPlan, Pacific Health Alliance, One Health/Great West PPO, PacifiCare PPO, PHCS (Private Health Care Systems), Physicians Foundation for Memorial Care and United Healthcare PPO.

If you have a PPO that is currently non-contracted, you may still see any physician of your choice. We will bill your insurance for you. Your insurance will pay according to the "out-of-network" rate. You will be responsible for your "co-pay" as well as the difference between the contracted rate and the Irvine OB/GYN fee. Your insurance is obligated to reimburse you for your visit at the non-contracted or out-of-network rate. Check with your Human Resources Department or in your insurance booklet to determine your rights as a patient.

If you have questions regarding fees or insurance matters, please contact the business office for clarification at or (949) 453-1173.

We would like to be contracted with all reasonable insurance companies. To help us toward this goal, we encourage you to contact your insurance plan directly to inform them of your desire to continue care with your physician. You can also request another insurance carrier with more options for coverage at open enrollment. Any patient, regardless of your insurance coverage, can always continue to see Morris Ahdoot Inc. physicians on a self-pay basis. Our business office will work with you to arrange payment plans that meet your needs.

If you are unsure whether your insurance has a contract with Los Olivos, please email the Morris Ahdoot Inc. Business Office at

Click the appropriate link for information about insurance terms and definitions, directions for reimbursement for non-contracted insurance plans.