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Insurance & Fees

Lifetime Ob/Gyn, and Drs. Karban and Villalobos are “In-Network” providers for the insurance plans listed below.

Lifetime Ob/Gyn opened our doors to patients in northwest Houston’s Cy-Fair area in June 2010 and we are currently in the process of credentialing or registering with many insurance providers and groups. During this initial stage of our practice, we are pleased to see patients with any insurance coverage and will accept the patient’s co-pay requirements and out-of-network benefits, if any. Please contact your health insurance carrier; there is a good chance that they will cover your care at Lifetime Ob/Gyn, PLLC with out-of-network benefits.

The following is the list of insurances with which we participate. This will be updated from time to time as needed:

  • Aetna
  • Cigna
  • Healthsmart
  • Humana
  • Medicaid TX
  • Medicare Traditional
  • Multiplan/PHCS

*Medicaid participation is optional and varies amongst Privia Medical Group providers – please verify participation prior to your visit.

Note: You should always check with your Privia Medical Group provider to verify plan and product coverage as this is not an exhaustive list, and plans change frequently.

Payment Options

We accept cash, Visa, Mastercard, Discover, American Express, and personal checks.

Co-payments are payable at the time of your appointment.


We encourage patients to keep a credit card on file to make the checkout process easier, faster, and more efficient. You will no longer receive statements from us, but you will continue to receive your Explanation of Benefits (EOB) from your insurance carrier once your claim has been processed, detailing the charges and payments made on your behalf.

At check-in we will:

  • scan the credit card of your choice, including your Flexible Spending Account (FSA) or Health Savings Account (HSA) card

After your insurance has paid their portion, we will:

  • notify you via email of the balance owed
  • charge the balance owed to your card on file
  • email a receipt for the charge

Your credit card information will always be fully protected by our off-site, card-processing partner Elavon, and not on our computers, as required by industry standards (Payment Card Industry Data Security Standard – PCI-DSS).


No Shows
Missed Appointment $50
Missed Physical $100
Late Cancellation $50
No-Show $50
Missed Procedure $200
New Patients Total Charge or Minimum $200 Deposit
Established Patients Total Charge or Minimum $150 Deposit
New Patients Total Charge or Minimum $200 Deposit
Established Patients Total Charge or Minimum $150 Deposit
Procedure Total Charge or Minimum $200 Deposit