Carlsbad Family Medicine, A Professional Corporation
2808 Roosevelt St., Ste 100
Carlsbad, CA 92008
760-645-6385 FAX


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Accepted Insurance Plans

It's been a common misconception that one must have health insurance in order to see a private physician. Fortunately, that is not true. In this day of sky high insurance policy costs, many are unable to afford exorbitant monthly premiums, or, have purchased a plan with a such a high deductible that they wind up paying cash anyway. In our opinion, these cash patients should not have to be referred to more expensive urgent cares and hospital emergency departments in order to receive care.

We have reverted back to being "old school" i.e. before the health insurance industry interfered with the physician-patient relationship, and all transparency was lost with regard to medical billing. HENCE, WE DO NOT REGRET NOT BEING ABLE TO PARTIPATE IN ANY INSURANCE PLANS. In other words, we are considered "out of network" for these plans.

We've gone back to "fee for service." Simply put, this means that payment is expected at the time of service. For patients that would like to receive reimbursement from their personal insurance companies, we will provide you with a receipt with which you can submit in order to do so. No longer will you need to wait or be turned away because an insurance company representative couldn't be reached to confirm benefits, etc. This also allows us to keep our office costs down and pass the savings on to our patients.

For a list of our most common office charges, click here. We accept cash, check or credit cards. [Please note that a $5 processing service fee will be added to credit card submissions.]

Brief note about deductibles: these can be confusing. For an quick overview, check out


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