Insurance & Fees

Insurance reimbursement is now a reality. Starry Brook is an in-network provider for CIGNA, Harvard Pilgrim, Aetna and Blue Cross Blue Shield.

Most insurances companies have historically paid little to nothing for integrative medical services. With the rise and growing trend of integrative medicine, coupled with the increasing validity and efficacy of Naturopathic Medicine, many insurance companies are recognizing Licensed Naturopathic Physicians and their services with insurance reimbursement.

How it Works
After your deductible is met for your individual policy, your insurance company reimburses Starry Brook for your office visits.

At the time of service, patients who have provided their insurance information in advance of their visit pay a copay and/or portion of their deductible for service rendered (we accept personal checks and major credit cards) and are provided with an invoice showing paid copays, coinssurance payments and payments for medications and supplements. We submit to your insurance company and get reimbursement for your Naturopathic Healthcare services

Understanding Your Insurance Plan
As a patient, it is in your best interest to know if your plan is contracted with Starry Brook Natural Medicine. Your insurance provider can be a great resource. Call them to understand your plan benefits, deductibles, co-insurance, or co-payment amounts prior to any visit. You may have different deductibles, co-insurance, or co-payment amounts, depending on the contracted status of your insurance company.

Health Saving Accounts (HSAs)
HSAs are accounts that use non-taxable income to save money to spend on your health care needs. They give you the liberty of seeing any doctor and deciding where you want your health care dollars to go and to whom. Check with your employer or check in to HSAs from a health insurance agent to see if this is the right plan for you and your family.

What does your Healthcare Insurance Plan Cover?
Ask your insurance company the following questions to determine what services are covered.

  • Are Naturopathic Physician services covered on my policy?
  • If I go to a Licensed Naturopathic Physician are they considered an out-of network provider?
  • Naturopathic Physicians are Licensed Physicians in the state of New Hampshire, so aren't they covered on my policy?
  • Are acupuncture, preventative medicine, nutritional counseling, or any "alternative" forms of medicine covered on my policy?
  • What is my deductible? Once this is met will I be covered?
  • I would like to request that my Naturopathic Physician be added to your provider list and/or be considered an out-of network provider.
  • Are there other healthcare policies close to my existing policy that would cover Naturopathic Medical services?

It is also important to understand your insurance plan. You may receive two bills for the treatment provided to you at Starry Brook Natural Medicine -- one from Starry Brook Natural Medicine and others from a lab company (Quest, LabCorp, Genova, Dunwoody Labs, etc).

Please make sure that both your provider, clinic and lab are listed as a contracted provider by your insurance company. It is possible that only the physician or only the clinic is contracted with your insurance plan. If not listed, contact your plan's customer service department to verify. Always document the name of the representative and date and time of the call in your insurance plan folder.

If the clinic and/or the physicians are not listed as a contracted provider and/or are not in your insurance company's network, we are still happy to provide you with services. If your policy has out-of-network benefits, your insurance plan may still cover the services provided to you. However, you may be responsible to pay a higher amount out-of-pocket than if you receive services from an in-network provider. Your insurance company's customer service representative can help verify your benefits and out-of-pocket costs. Should you require additional assistance regarding your out-of-pocket cost, we can provide you with financial assistance options.

Not all services are covered in all insurance contracts. If your insurance plan benefits do not cover a service or procedure, you can be held personally responsible for payment of these charges. To find out what your insurance plan benefit covers and what your financial obligation may be, call the customer service or member services department of your insurance company (the phone numbers are on your insurance card). Your employer's human resources department may also be a source of information and assistance.

Patients with insurance questions or concerns may also contact our billing office at (603) 926-8258.

Naturopathic Medicine is now being honored and encouraged. This growing trend is being seen in every level of healthcare including insurance companies.