Commercial

Welcome Commercial Members!

Nivano Physicians proudly services Commercial members all around Northern California through Aetna and Anthem Blue Cross. Commercial health insurance is coverage that is not administered by the government but still watched over by the Department of Insurance.

There are three easy ways to apply:

  • Complete the lead card by clicking here. Someone will contact you within 48 business hours.
  • Contact our Insurance Agents below to join.
  • Apply through your employer to join us!

When you purchase a commercial health insurance policy, you will want to choose a plan which covers the services you need and has a monthly premium you can afford. When choosing a plan, consider the deductible. The deductible is the amount you pay for covered health care services before your insurance plan starts to pay. After you pay your deductible, you usually pay only a co-payment or coinsurance for covered services.

Commercial insurance is typically provided by your employer or can be purchased directly by an individual. Nivano Physicians proudly provides access to care through our partnership with Aetna Health Insurance Company and Anthem Blue Cross. We are here to help provide you with excellent care and customer service.

If your employer does not currently offer Aetna Health or Anthem Blue Cross commercial Insurance and would like to, please have your employer reach out to us directly.

Nivano offers our members the following:

An easy to use phone application for managing your coverage

A robust specialty
provider network

Extended hours - Open six days a week for member assistance

24/7 automated phone system to help check claim, authorization, and eligibility status details

Timely access to care through our 7/11 Clinics open 365 days a year, 7 am to 11 pm

Low wait times for calls with a experienced and dedicated customer service team


Nivano Commercial Plans

To find a contracted physician in the Nivano network, follow the easy steps listed below:

1. Click Here to search for a contracted provider in your area

2. Type in your zip code in the” continue as a guest” section. Please select your city once typed.

3. You can choose a plan or click ‘Skip Plan Section’.

4. Please type Nivano Physicians into the search bar.

5. Once you hit enter, providers who are contracted with Nivano Physicians and Aetna will appear. You can select one from the list and then you can call our insurance agent to sign up with that Primary Care Provider.

If you have any other questions regarding this process, please call us at 916.407.2000 ex. 2512 to receive help with our commercial plans.

If you are already an Aetna member and want to switch over to Nivano Physicians please call 866.755.2680.

Anthem Bronze 60 HMO

You’ll have lower monthly payments while being covered for check ups and preventive care. You could pay more out of pocket if you need more care, but if you don’t expect to go to the doctor very much this year, Bronze may be a good bet. These health plans can be great for people who are younger with no dependents.

  • The Bronze plan offers an individual deductible of $6,300.
  • Your individual out-of-pocket maximum is $7,800.
  • A PCP office visit is $65 copay per visit for the first 3 visits, then deductible and $65 copay.
  • A Specialist office visit is $95 copay per visit for the first three visits, then deductible and $95 copay.
  • Urgent Care visit copays are $65 per visit for the first three visits, then deductible and $65 copay.

Anthem Silver 70 HMO

You’ll get health coverage that covers all the basics and more. Silver plans on Covered California offer the greatest assistance for both tax credits and cost sharing subsidies, if you qualify.

  • The Silver plan offers an individual deductible of $4,000.
  • Your individual out-of-pocket maximum is $7,800.
  • A PCP office visit is $40 copay, deductible waived.
  • A specialist office visit is $80 copay, deductible waived.
  • Urgent Care visits are $40 copay, deductible waived.

Anthem Gold 80 HMO

You’ll have higher monthly payments but lower out of pocket costs depending on the services you use.

  • The Gold plan offers an individual deductible of $0.
  • Your individual out-of-pocket maximum is $7,800.
  • A PCP office visit is $30 copay.
  • A specialist office visit is $65 copay.
  • Urgent Care visits are $30 copay.

Anthem Platinum 90 HMO

On this plan, your monthly payments are higher, but you’re covered for emergencies, regular doctor visits, and preventive care alike, with little or no deductible. It’s broad coverage with out of pocket savings for individuals and families.

  • The Platinum plan offers an individual deductible of $0.
  • Your individual out-of-pocket maximum is $4,500.
  • A PCP office visit is $15 copay.
  • A specialist office visit is $30 copay.
  • Urgent Care visits are $15 copay.

Anthem Minimum Coverage HMO

If you're under age 30 (or are 30 or older with an approved hardship exemption from Covered California) you may qualify for high-deductible, lower monthly payment, Minimum Coverage plan. Minimum Coverage plans can help protect you from worst-case scenarios like serious accidents or illnesses.

  • The Minimum Coverage plan offers an individual deductible of $8,150.
  • Your individual out-of-pocket maximum is $8,150.
  • A PCP office visit is 0% coinsurance per visit for the first 3 visits, then deductible and 0% coinsurance.
  • A specialist office visit is deductible, then 0% coinsurance.
  • Urgent Care visit copays are 0% coinsurance per visit for the first 3 visits, then deductible and 0% coinsurance.

If you are already an Anthem member and want to switch over to Nivano Physicians please call (855) 772-9076.


Commercial Agents

Greenhaven Insurance Agency

Carlos Esquivez CA # 0D71806
916.836.8484
Carlos@GreenhavenInsurance.com

Copeland Insurance

Thao Tan CA # 0F13796
916.836.8484
thao602@gmail.com

SBHIS

Jazmin Munguia CA # 0M99295
209.406.5709
jmungula@sbhis.net

Big Enterprise Insurance Agency

Stan Bough CA # 0792368
916.275.6145
stbough@sbcglobal.net

Maria Lardizabal CA # 0F52379
916-801-1703
lorena@bigservices.biz

Gina Sumaraga Mead CA # 0F49847
209-356-8030
ginasy2000@yahoo.com

Nap Amos CA # 0G31609
916-837-3288
napamos@yahoo.com


If you have any additional questions, please email us at info@nivanophysicians.com or call 916.407.2000 ex. 2509 to learn more.

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