RefinedMD is located in Los Gatos and serves all of the greater San Jose area. Led by Dr. Steven Swengel, board certified dermatologist, we invite you to learn more about how you can get fantastic skin with our variety of medical and cosmetic treatments available at our practice. Of course, we accept medical insurance, but we also offer a variety of aesthetic services that complement your treatments. Sometimes these are covered by insurance as they are medically necessary, other times they fall into that pay out of pocket area. Either way, our staff will walk you through your treatment options so that you can make the best decision for you, your skin, and your wallet.

Medical Insurance Information

RefinedMD Accepts Medical Insurance

RefinedMD is in-network with most PPO insurance plans, as well as, Medicare and Covered California’s Health Net and Blue Shield Exchange plans. We are happy to address your questions but do recognize you may need to verify your coverage with your insurance provider (ultimately the patient’s responsibility to know if they are seeing an in-network provider). Of note, RefinedMD is in-network with Covered California Blue Shield and Covered California Health Net. Please note we are out of network with Covered California Blue Cross.

RefinedMD will initiate billing with your insurance carrier here at the office. However, this does not assure payment by your insurance carrier. Patients are responsible for all unmet deductibles, applicable co-payments, and coinsurances. If we are not in network with your insurance, and you still choose to see one of our providers, you will be responsible for all office fees at the time of your visit. Any and all outstanding patient balances are due upon receipt or next visit.

We will, of course, wish to see you even if your insurance is out of network and you’ll simply pay for the cost at the time of service. Please call the number on the back of your card to verify coverage.

Cosmetic and Aesthetic Services

Cosmetic Treatments at RefinedMD

RefinedMD accepts health insurance for a variety of procedures and additional cosmetic treatments that, while they produce fantastic results, the treatments are generally not covered by insurance.

When opting for cosmetic treatments such as Botox, Dermal Fillers, Microneedling and more, payment is due for all cosmetic procedure fees at the time of your visit. This includes procedures deemed cosmetic by the provider, including but not limited to, removal of skin tags, removal of benign moles, and removal of keratosis or seborrheic keratosis. All laser procedures are considered cosmetic unless the provider specifies otherwise. If you subsequently bill your insurance for a cosmetic procedure and your insurance erroneously covers the procedure, you are not entitled to reimbursement by our office and we are obligated to notify your insurance carrier of their error.

Payment for all non-medically necessary services, self-pay medical services, and insurance co-payment, is due at the time of your visit. We accept American Express, Visa, Master Card, Personal Checks, Cash, Alphaeon Credit, and Care Credit. Refined Gift Cards are also available.

Contact RefinedMD today to schedule your detailed evaluation –(408) 688-2082.