Insurance Information

Health Insurance Coverage Information

For our Naturopathic Physicians :

Participating Insurances Include:  Cigna, Harvard Pilgrim, United Health Care,  Connecticare,  Aetna, Blue Cross Blue Sheild, Huskey Plan (only those under 20 years of age)

Note- Not all plans from these insurances cover Naturopathic Physicians.

CALL YOUR INSURANCE COMPANY AND ASK IF YOU HAVE NATUROPATHIC COVERAGE.

Deductible Awareness

These days many insurance plans have a deductible.  This is the amount you have to pay for services before your insurance kicks in.  The amount of the deductible can vary.  Some plans have a low deductible and some have high ones.  It is important to know ahead of time what level of deductible your plan has.  This is important.  Until you have paid off and reached this amount, you are responsible for paying your medical expenses including office visits at the time of your visit.

Co-Pay

This is the amount that you would pay as a regular part of any visit with a health care provider.  Naturopathic Physicians would come under the “specialist” category for copays. Whatever your insurance charges for a copay, you will be responsible to pay in full at the end of your office visit.

For APRN it depends if she is acting as your primary care

Health Savings Accounts (HSA)

Some companies balance a high deductible by contributing to a Health Savings Account (HSA). HSA can be used for a number of medical expenses including your office visit, supplements and lab tests.  An HSA may get contributions from your employer or be set up personally by you specifically for covering health expenses.

 Before your appointment check the following:

Do you have Naturopathic Coverage with your individual plan

Do you have a high deductible plan ?

Is your deductible met ?

Do you have a copay?   How much is it ?

Are labs considered a deductible expense ?

LAB work–   Your health care provider might want to do some blood work. Each insurance plan varies on lab coverage.  Check to see what your plan covers.  In Network  VS  Out of Network  know what is considered in “network” or “out of network” for your plan.