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Insurance Information

Search your plan in seconds. We work with most major commercial carriers, Medicare, Medicaid, Tricare, and Maryland state plans.

Coverage Checker

Is your insurance accepted?

Type your carrier or plan name below to instantly check if it's in our network. We continually update our list — if you don't see yours, call us at (301) 208-2273 and we'll confirm.

Not sure? Call (301) 208-2273 or text (301) 205-2293.

Full Plan List

Insurance plans we accept

We're pleased to accept a wide variety of insurance providers. Please remember it's your responsibility to know your co-pay, deductible, and any limits that apply to your plan.

Commercial Plans

9 carriers
  • Aetna commercial plans
  • Blue Cross Blue Shield / CareFirst
  • Cigna
  • Multiplan / PHCS
  • GEHA
  • Coresource
  • First Health
  • UnitedHealthcare commercial plans Referral
  • Tricare (Military) Referral

Most PPO and HMO commercial plans are accepted for both primary care and walk-in urgent visits.

Maryland State & Medicaid

9 plans
  • Priority Partners Referral
  • Amerigroup / Wellpoint Referral
  • Maryland Physicians Care Referral
  • Medicaid Referral
  • Medicare
  • Medstar Referral
  • CareFirst Community Health Plan Referral
  • Humana
  • Johns Hopkins US Family Health Referral

Serving Maryland residents with Medicare, Medicaid, and state-sponsored managed care plans across Montgomery County. Aetna Better Health and UnitedHealthcare Community Plan are not accepted.

Self-Pay & Other

Affordable rates
  • Self-pay — transparent upfront pricing
  • Cash discounts for same-day visits
  • Occupational health billing (employer direct)
  • Immigration & FAA exams (flat rate)
  • Sports physicals (flat rate)
  • MVA physicals (flat rate)

No insurance? No problem. Call for current self-pay pricing before your visit.

What to bring

A valid photo ID, your current insurance card, a medication list, and any referral paperwork if your plan requires it.

Co-pays & billing

Co-pays are collected at check-in. We file claims directly with your carrier so you can focus on getting well, not paperwork.

Still not sure?

Call (301) 208-2273 or text (301) 205-2293. Our front desk will verify your plan before you come in.

Insurance FAQ

Common questions about coverage

Answers to the most frequent insurance questions from our Gaithersburg patients.

Does Montgomery Medical Clinic accept my insurance?
We accept a wide range of commercial, Medicare, Medicaid, and Maryland state plans — including Aetna commercial plans, BlueCross BlueShield (CareFirst), Cigna, UnitedHealthcare commercial plans, Medicare, Medicaid, Priority Partners, Amerigroup/Wellpoint, Maryland Physicians Care, Tricare, GEHA, Humana, and Johns Hopkins US Family Health. We do not accept Aetna Better Health or UnitedHealthcare Community Plan. Use the coverage checker above or call (301) 208-2273 to confirm your specific plan.
Do you accept Medicare and Medicaid in Gaithersburg, MD?
Yes. We accept Medicare and Maryland Medicaid, as well as Medicaid managed care plans such as Priority Partners, Amerigroup/Wellpoint, and Maryland Physicians Care. Aetna Better Health and UnitedHealthcare Community Plan are not accepted.
What if I don't have insurance?
We offer affordable self-pay rates for urgent care, primary care, and physical exams. Call (301) 208-2273 for current self-pay pricing before your visit — we'll give you a transparent quote upfront.
Do I need a referral to be seen?
For HMO-style plans including UnitedHealthcare commercial plans, Tricare, Priority Partners, Amerigroup/Wellpoint, Maryland Physicians Care, Medicaid, Medstar, CareFirst Community Health Plan, and Johns Hopkins US Family Health, a referral from your primary care physician may be required to see a specialty provider. Walk-in urgent care and primary care visits generally do not require a referral.
What should I bring to my appointment?
Please bring a valid photo ID, your current insurance card, a list of current medications, and any referral paperwork if required by your plan.
Do you accept Tricare for military families?
Yes, we accept Tricare. A referral may be required depending on your Tricare plan — our front desk will verify before your visit.
How are co-pays handled at check-in?
Co-pays are collected at the time of check-in. We accept cash, credit/debit cards, and HSA/FSA cards. We file insurance claims directly with your carrier after your visit.
Can my employer be billed directly for occupational health?
Yes — for pre-employment screenings, workers' compensation, drug testing, respirator fit tests, and corporate wellness programs, we bill your employer directly. See our Occupational Health page for details.

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