Billing and insurance

Learn how to make your visit to Montage Orthopedics and Sports Medicine go smoothly. View accepted insurance plans and learn how to pay your bill to our practice, formerly called Monterey Spine & Joint.

Referrals and insurance

Your insurance plan may require a referral or authorization from your insurance plan and/or primary care doctor. Please check with your insurance plan before your appointment to confirm what is required. For help getting a referral or questions, call us at (831) 648-7200.

Before making an appointment, ask your insurance provider if its network includes Montage Orthopedics and Sports Medicine. If your insurance does not fully cover your care and assigns a patient responsibility, you will receive a bill from us.

Accepted insurance

Montage Orthopedics and Sports Medicine

When you arrive, bring a copy of your insurance card so we can file your claim with:

  • Aetna
  • Anthem Blue Cross PPO
  • Aspire Health Plan/MBIPA
  • Blue Shield PPO
  • Central California Alliance for Health
  • Cigna
  • Coastal
  • First Health
  • Health Net
  • Medicare
  • Railroad Medicare
  • TRICARE/TriWest
  • UnitedHealthcare
  • Workers' Compensation

Don’t see your provider of insurance or workers compensation? Talk to our schedulers.

Montage Orthopedics and Sports Medicine Urgent Care

Montage Orthopedics and Sports Medicine Urgent Care participates in most major health insurance plans, including:

  • Aetna
  • Anthem HMO
  • Aspire
  • Blue Cross Blue Shield
  • Central California Alliance for Health
  • Cigna
  • Coastal TPA
  • First Health
  • Health Net
  • Medicare
  • TRICARE/TriWest
  • UnitedAg
  • UnitedHealthcare
  • Veterans Affairs
  • Western Growers Insurance

Some out-of-network programs that may provide coverage include:

  • Community Health Plan of Washington
  • Department of Labor
  • Medi-Cal
  • Vancouver Coastal Health
  • Vocational Rehab

Visit Urgent Care Billing and Insurance to learn more.

Help with insurance

Call our billing office at (831) 658-3301 for help understanding your insurance or talk to your insurance company.

Copays

You might have a copay, depending on your insurance plan. You’ll need to pay it at your appointment.

Paying your bill

For your convenience, we encourage you to use our secure online payment options through MyChart, where you can quickly view and pay your balance. Payment is due within 30 days of receiving your bill.

You may also:

  • Mail a check or money order
  • Pay using Visa or MasterCard
For visits before June 1, 2026

Pay your bill

For visits on or after June 1, 2026

Log in to MyChart

Appointment cancellations

Call (831) 648-7200 at least 4 hours in advance if you need to cancel your appointment. By doing so, you give us time to schedule another patient in your place.

No-show policy

“No-shows” are cancellations with less than 4-hour notice. See our policy for:

  • First no-show: You and your primary care doctor will get a letter about the missed visit.
  • Second no-show in 12 months: You’ll receive a bill for $25.
  • Third no-show in 12 months: We won’t schedule you again.

We understand emergencies happen. If you call to explain, we may excuse your absence.

Schedule a visit

Call or text (831) 648-7200 to make your appointment. Ask your primary care doctor for a referral before you call.  

Pay a bill

It’s quick, easy, and secure to take care of your bill online.

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