We accept most Hawai‘i insurance plans

Yes. Pacific Bone & Joint is in network with HMSA PPO and HMSA Medicare Advantage at all four Hawai‘i clinics. We are also in network with Medicare, Kaiser Added Choice, Devoted Health, HMAA, UHA, and MDX. Our front office verifies your specific benefits before your visit — call (808) 439-6201 or message us on Klara.

Yes. Pacific Bone & Joint sees patients with Ohana Medicare, AlohaCare, QUEST (Medicaid), VA, and Tricare Prime, but these plans require a referral or prior authorization before your visit. Please confirm the requirement with your health plan or referring provider; once it is in place, we verify your eligibility and schedule you.

Pacific Bone & Joint is in network with the Kaiser Added Choice plan. Standard Kaiser HMO coverage generally requires care within Kaiser’s own network, so check which Kaiser plan you have before scheduling. Self-pay is also an option for Kaiser HMO members who want to be seen here.

Yes. Pacific Bone & Joint treats work-related injuries under Workers’ Compensation at all four clinics, including evaluation, surgery when needed, and in-house physical therapy on Oahu. Before your first visit we need the date of injury, your employer’s name and contact, confirmation that the injury was reported to your employer, and your employer’s workers’ compensation carrier, claim number, and adjuster contact if one has been assigned. In Hawai‘i, injured workers generally have the right to choose their own treating physician.

Yes. Hawai‘i is a no-fault state, so your own auto policy’s Personal Injury Protection (PIP) benefits usually cover your initial medical care regardless of who was at fault. Bring the date of the accident and police report number if one was filed, your auto insurance carrier, policy number, PIP claim number, and adjuster contact, plus your health insurance card as the secondary payer and your attorney’s contact information if you have one. We bill PIP directly and coordinate with your health plan or attorney when those benefits run out.

Yes, with a letter of protection (LOP) or lien agreement from your attorney on file before we schedule your visit. A letter of protection is a document from your attorney promising that our bills will be paid from your settlement or judgment; a lien serves the same purpose. Because personal injury care is paid from a future settlement rather than by an insurer, we cannot schedule these cases without one. Your attorney can fax the LOP to (808) 439-6202 or email it to contact@pacificboneandjoint.com, and we will call you to schedule once it is received.

Self-pay patients are welcome at Pacific Bone & Joint, and CareCredit financing is available. Call (808) 439-6201 before your visit and our team will explain self-pay pricing for your evaluation, imaging, or procedure so there are no surprises.

Physical therapy benefits are often separate from medical benefits under the same plan, so Pacific Bone & Joint verifies your PB&J Physical Therapy coverage before your first therapy visit. Hawai‘i allows direct access to physical therapy — no doctor’s referral is needed to be seen — but some plans still require a referral or prior authorization to pay for therapy, and our team tells you if yours does.