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Florida’s only Joint Commission-accredited urgent care · one of just 8 nationwide Florida’s only Joint Commission-accredited urgent care · one of just 8 nationwide Florida’s only Joint Commission-accredited urgent care · one of just 8 nationwide Florida’s only Joint Commission-accredited urgent care · one of just 8 nationwide
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Book a visit Call (305) 537-6396
Open now · Walk-ins welcome 9445 Harding Ave · Surfside, FL 33154 Mon–Fri 9AM–9PM · Sat 11AM–11PM · Sun 12PM–8PM
The TrufaMED checkout and patient services counter in Surfside, Miami
Insurance & Billing · Surfside, FL

Insurance
& Billing

We accept most major PPO plans and Medicare for urgent care, and self-pay is welcome at transparent rates for every service. No hidden fees and no surprise billing. We verify coverage before your visit and confirm pricing up front.

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The quick answer

How insurance works at TrufaMED

For urgent care and physician visits, TrufaMED is in-network with Aetna, Cigna, United Healthcare, Humana, and Medicare. We verify eligibility and copay before your visit. Every other service, and any out-of-network plan, is welcome as transparent self-pay with an itemized superbill for reimbursement. HSA and FSA cards are accepted, and we comply fully with the No Surprises Act.

Accepted carriers

Plans we accept

For urgent care and physician visits, TrufaMED is in-network with five major carriers, and Oscar Health members are welcome out-of-network. We verify eligibility, benefits, and copay before your visit. Call with your insurance card on hand for a same-day coverage check.

Aetna
PPO, HMO & EPO
Cigna
PPO & Open Access
United Healthcare
PPO, Choice Plus & UMR
Humana
PPO, Choice & ChoiceCare
Medicare
Part B & Advantage
Oscar Health
Members welcome
Self-pay welcome

Transparent rates, every service

No hidden fees. A card on file at check-in, and an itemized receipt for any reimbursement claim with your home or travel insurance.

Self-pay, out of pocket

Transparent menu rates for every service, with HSA, FSA, Apple Pay, and all major credit cards accepted. You receive an itemized superbill for any out-of-network reimbursement claim.

Oscar Health members welcome

Oscar Health members are welcome at TrufaMED. We see Oscar members on an out-of-network basis for urgent care and every service. We file the claim with Oscar as an out-of-network provider, or give you an itemized superbill to submit yourself. Walk in or call (305) 537-6396 with your card and we confirm your Oscar benefits before the visit.

Do not see your plan?

If your carrier is not on the in-network list, you are welcome as a self-pay patient at transparent rates, with an itemized superbill you can submit to your plan for out-of-network reimbursement.

By service

What insurance covers

Not every service is billable to insurance. Urgent care visits, testing, and physician consults generally are. IV therapy, hyperbaric oxygen, concierge membership, and most genetic screening are primarily self-pay and HSA/FSA eligible.

Urgent care visits

Covered by most major plans at your urgent-care copay level: office visit, on-site X-ray, EKG, ultrasound, lab draws, rapid testing, treatment plans, and wound care. Benefits verified before the visit.

Telehealth

Self-pay at a flat fee, HSA and FSA eligible. Video consult with a board-certified MD for follow-up care, results review, and minor acute issues. Receipts provided for out-of-network reimbursement.

IV therapy

A wellness service, self-pay at transparent menu rates from $200 in-clinic. HSA and FSA cards accepted with a physician order for clinically indicated drips. Physician pre-approval on every drip.

Hyperbaric oxygen

Self-pay at per-session and package pricing, with a physician intake consult required. HSA and FSA eligible with a physician letter of medical necessity.

Genetic screening

Empower hereditary cancer and Horizon carrier screening are often covered when medical criteria are met. Galleri multi-cancer early detection is self-pay at $1,150. Coverage verified before screening.

Concierge membership

An annual fee not billable to insurance. Inside the membership, any clinically indicated visit may still be billed to your plan at your usual copay.

The billing process

Front-loaded with your coverage, so there are no surprises

Verify coverage

Call or arrive with your card. Our front desk runs an eligibility check with your insurer and confirms copay, deductible status, and plan participation before the visit starts.

Visit and services

You see the physician and receive care. Any in-visit services such as X-ray, labs, or treatments are explained with pricing before they run, with no surprise add-ons.

Submit the claim

For in-network plans we submit the claim directly to your insurer; you pay your copay at check-out. For out-of-network, you receive an itemized superbill to submit yourself.

Transparent receipt

Every visit ends with an itemized receipt to keep for your records, submit to HSA or FSA, or use for out-of-network reimbursement. Billing questions are answered anytime.

HSA, FSA, HRA

Spending accounts welcome

Most TrufaMED services are eligible for HSA, FSA, and HRA spending when there is a medical indication, including urgent care visits, physician consults, labs, imaging, IV therapy with a physician order, hyperbaric oxygen with a letter of medical necessity, and genetic screening. Ask at check-in and we confirm eligibility with your plan administrator.

Documentation we provide

Itemized receipts with procedure codes, diagnosis codes, and physician attestation on request. For HBOT and IV therapy, our board-certified physicians write letters of medical necessity when clinically indicated. For international visitors, we provide dual-language receipts for home-country insurance reimbursement. Most international PPO plans reimburse a significant share of out-of-country care with the right documentation.

Insurance questions

What patients ask most before a visit.

How do I verify if my specific plan is in-network?

Call (305) 537-6396 with your insurance card on hand. Our front desk runs a real-time eligibility check with your insurer and confirms plan-panel participation, copay, deductible status, and any visit limits, usually in under five minutes.

What if my insurance isn’t on the list?

You are welcome to see us as a self-pay patient at our transparent rates. After the visit we provide an itemized superbill with all procedure and diagnosis codes that you can submit to your plan for out-of-network reimbursement.

Do you accept Oscar Health insurance?

Oscar Health members are welcome at TrufaMED. We are out-of-network with Oscar, which means we see Oscar members for urgent care and every other service and either file the claim with Oscar as an out-of-network provider or give you an itemized superbill to submit yourself. Call (305) 537-6396 with your Oscar card and we confirm your benefits before the visit.

Do you accept Medicaid?

TrufaMED is not currently in-network with Medicaid plans. We are happy to see Medicaid patients as self-pay at our transparent rates, or to refer you to a nearby Medicaid-accepting facility.

What is covered by insurance versus self-pay?

Urgent care visits, testing, labs, imaging, and physician-ordered treatments are typically covered by insurance for in-network plans. IV therapy, hyperbaric oxygen, telehealth, concierge membership, and Galleri screening are self-pay. Empower hereditary cancer and Horizon carrier screening are often covered when medical criteria are met.

Do I need a referral?

For urgent care visits at TrufaMED, no referral is required. For specialist consults or certain imaging studies that your plan requires referrals for, we help coordinate the referral before your visit.

Do you accept HSA and FSA cards?

Yes. HSA and FSA cards are accepted for every service that qualifies as a medical expense. We provide itemized receipts with diagnosis and procedure codes for your plan administrator. Some services such as HBOT or wellness IVs may require a physician letter of medical necessity. Ask at check-in.

What happens if I have a deductible I have not met?

If your plan has a deductible that has not been met, you are responsible for the visit cost up to that deductible. We run eligibility before the visit so you know what to expect, and we accept payment plans for larger balances.

Can I submit for out-of-network reimbursement?

Yes. On request we provide an itemized superbill with all procedure codes, diagnosis codes, and physician attestation that your out-of-network insurer needs for reimbursement. Most PPO plans cover a percentage of out-of-network care.

Are there any surprise bills?

No. TrufaMED complies with the federal No Surprises Act. We verify in-network status before the visit and confirm the scope of services and pricing with you before anything runs. In the rare case an out-of-network provider is involved, such as a referral, we inform you in advance and obtain written consent.

Explore TrufaMED

Coverage question? We verify in minutes

Billing & eligibility

Phone   (305) 537-6396

WhatsApp   +1 (305) 842-9801

Email   [email protected]

Have your insurance card handy for a real-time eligibility check.

Hours

Monday–Friday   9 AM – 9 PM

Saturday   11 AM – 11 PM

Sunday   12 PM – 8 PM

We accept HSA, FSA, Apple Pay, and all major cards.

Clinic

TrufaMED Urgent Care

9445 Harding Ave

Surfside, FL 33154

Get directions

No surprises

We verify your benefits before you commit

Have your insurance card handy and call our Surfside front desk. We run a real-time eligibility check with your insurer before your visit.

Insurance coverage varies by specific plan, deductible status, and medical necessity. TrufaMED verifies your benefits before every visit, but the final coverage determination is made by the payer. For a life-threatening emergency, call 911 immediately.

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