Insurance & Fees
Insurance Accepted By Dr. Trofa:
We accept many common used insurance plans in Connecticut. Though, naturopathic medicine and acupuncture is not as widely covered, in general. Federal plans like Medicare, Medicaid or plans associated with federal job will not cover Naturopathic Medicine. Plans associated with state jobs will likely be covered. Please know a co-pay for a specialist will apply to your visit. Some plans have a deductible. With these plans, you will pay for your visit out-of-pocket or with your HSA account, until the deductible is met, then your insurance will cover your visits at the contracted rate.
Acupuncture can be used for your HSA and Flex spending accounts. To be a qualified medical expense, it has to be used for the prevention or alleviation of a illness. Some insurance companies cover acupuncture, so check with your insurance to see if acupuncture is covered in your plan and their requirements. Coastal Naturopathic & Acupuncture will work with you, when there is no insurance coverage because the practitioner is not on any insurance panels or out-of-network, by providing a properly coded superbly for reimbursement.
Please call your insurance to confirm coverage. Then, ask if Dr. Trofa is in or out of your network, and ask whether you have naturopathic coverage, acupuncture coverage, and if yes, how many visits are you allowed per year. If your insurance is not sure ask them if it is part of the exclusions. Some insurance see naturopathic doctors visit as specialist visit, like seeing your endocrinologist or gynecologist. While others, include naturopathic visits as part as "alternative care" and group it with chiropractic, acupuncture and massage, and limit the amount of visits per year.
Aetna: We are currently able to accept Aetna as an out-of-network provider. Contact your insurance to ensure benefits, as we cannot guarantee them.
Anthem / Blue Cross/ Blue Shield: Anthem/BCBS is one of the most commonly held insurances carriers in our area, and naturopathic services are covered by BC/BS with a few exceptions. Dr. Trofa is a participating provider with Anthem/BCBS. Please contact your insurance to ensure benefits as we cannot guarantee them.
Cigna: In Network, please contact your insurance to ensure benefits, as we cannot guarantee them.
Connecticare: In Network, please contact your insurance to ensure benefits, as we cannot guarantee them.
United Health Care/Oxford: Please contact your insurance provider to ensure benefits.
Other Insurance Carriers: If you do not see your particular insurance carrier listed here, you should contact your insurance to find out your plan includes out-of-network benefits and naturopathic services. If so, our office may be able to submit on your behalf or we will give you a detailed statement entailing the services provided, and the cost so that your insurance can reimburse you directly. We will do our best to assist you.
Please call our office at 203-762-6021 for our updated fee schedule regarding Naturopathic medicine and Acupuncture.