Aetna
PPO, HMO, and EPO plans accepted for urgent care visits. Eligibility verified the same day.
Commercial · Medicare Advantage
In-Network with 5 Major Carriers
Insurance & Billing · Surfside, FL
Insurance &billing, clearly.
We accept most major PPO plans and Medicare for urgent care visits. Self-pay is welcome at transparent rates for every service we offer. No hidden fees, no surprise billing — we verify coverage before your visit and confirm pricing up front.
5In-Network Carriers
HSAFSA Eligible
0Surprise Bills
JCJoint Commission
In-Network
Plans we accept.
For urgent care and physician visits, TrufaMED is in-network with these major carriers. We verify eligibility, benefits, and copay before your visit. Call (305) 537-6396 with your insurance card on hand for a same-day coverage check.
Cigna
Commercial PPO and Open Access plans accepted. Copay verified before the visit so there are no surprises.
Commercial · Medicare Advantage
United Healthcare
PPO, Choice Plus, and Options plans accepted. UMR-administered plans recognized under the UHC umbrella.
Commercial · Medicare Advantage
Humana
PPO, Choice, and ChoiceCare Network plans accepted. Confirmation of specific plan panel provided at check-in.
Commercial · Medicare Advantage
Medicare
Traditional Medicare Part B accepted. Medicare Advantage plans covered when the carrier is one of our in-network plans.
Traditional · Advantage (carrier-dependent)
Self-Pay / Out-of-Pocket
Transparent rates for every service. No hidden fees. Card on file at check-in; we give you an itemized receipt for any reimbursement claim with your home or travel insurance.
HSA · FSA · Apple Pay · All major credit cards
Out-of-Network Notes
Oscar Health* · Out-of-Network
TrufaMED is out-of-network with Oscar Health* for routine visits (common cold, flu, cough, routine check-ups). However, we do accept Oscar* coverage for emergent or complex cases — injuries, acute infections requiring imaging or lab workup, and other non-routine medical needs. Call (305) 537-6396 before your visit so we can confirm whether your situation qualifies.
Don’t see your plan?
If your carrier isn’t on the in-network list, you’re welcome to see us as a self-pay patient at transparent rates. We provide an itemized superbill you can submit to your plan for out-of-network reimbursement.
By Service
What insurance covers.
Not every TrufaMED service is billable to insurance. Urgent care visits, testing, and physician consults generally are. IV therapy, hyperbaric oxygen, concierge membership, and genetic screening are primarily self-pay.
Covered by Insurance
Urgent Care Visits
Most major plans cover urgent care at the plan’s urgent-care copay level. TrufaMED verifies your benefits before the visit.
- Office visit + evaluation
- On-site X-ray, EKG, ultrasound
- Lab draws + reference-lab processing
- Rapid testing (flu, strep, RSV, COVID, UTI)
- Prescriptions + first-dose medication
- Wound care & lacerations (suturing, cleaning, dressing)
- IV therapy for dehydration (medically indicated)
Self-Pay
Telehealth & Virtual Consults
Telehealth visits are self-pay at TrufaMED. Transparent per-visit pricing. HSA and FSA eligible. Receipts provided on request for out-of-network reimbursement from your plan.
- Video consult with board-certified MD
- Prescription refills and renewals
- Results review + genetic-screening consults
- Available to any US state where licensure permits
Self-Pay (HSA/FSA Eligible)
IV Therapy
IV therapy is a wellness service and is self-pay at transparent menu rates. HSA and FSA cards accepted with physician order for clinically-indicated drips.
- 18-drip menu from $200 in-clinic
- Mobile IV with $50-$150 priority fee
- Itemized receipt for HSA/FSA reimbursement
- Physician pre-approval on every drip
Self-Pay (HSA/FSA Eligible)
Hyperbaric Oxygen Therapy
HBOT is self-pay at TrufaMED. Many plans cover HBOT only for specific FDA-approved indications at hospital centers; we offer wellness and recovery protocols.
- Per-session and package pricing
- Physician intake consult required
- HSA/FSA eligible with physician letter of medical necessity
Self-Pay (HSA/FSA Eligible)
Genetic Screening
Empower hereditary cancer screening and Horizon carrier screening are often covered by insurance when medical criteria are met. Galleri is currently self-pay only.
- Empower · insurance when NCCN criteria met
- Horizon · insurance during pregnancy planning
- Galleri · self-pay, $1,150
- Pre-screening coverage verification included
Membership
Concierge Medicine
Concierge membership is an annual fee not billable to insurance. Inside the membership, any clinically-indicated visit may still be billed to insurance at the member’s usual copay.
- Three-tier membership structure
- Complimentary intake consult
- In-visit charges may be billable through your plan
Billing Process
How billing works.
Simple, transparent, and front-loaded with your coverage details so there are no surprises after the visit.
Verify Coverage
Call (305) 537-6396 or arrive with your card. Our front desk runs an eligibility check with your insurer and confirms copay, deductible status, and plan-panel participation before the visit starts.
Visit & Services
You see the physician, receive care, and we document the visit. Any in-visit services (X-ray, labs, medications) are explained with pricing before they run — 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; the balance is handled between us and the payer. For out-of-network, you receive an itemized superbill to submit yourself.
Transparent Receipt
Every visit ends with an itemized receipt you can keep for your records, submit to HSA/FSA, or use for out-of-network insurance reimbursement. Questions? Call billing anytime.
HSA / FSA
HSA, FSA, HRA welcome.
Most TrufaMED services are eligible for HSA, FSA, and HRA spending when there’s a medical indication. We provide the documentation you need for your plan administrator.
What’s HSA/FSA eligible?
Urgent care visits, physician consults, labs, imaging, medications, IV therapy (with physician order), hyperbaric oxygen therapy (with letter of medical necessity), genetic screening, and most other TrufaMED services. Ask at check-in and we’ll confirm eligibility with your plan administrator.
Documentation we provide.
Itemized receipts with CPT codes, diagnosis codes, and physician attestation on request. For HBOT and IV therapy, letters of medical necessity written by our board-certified physicians when clinically indicated. For international visitors: dual-language receipts for home-country insurance reimbursement.
FAQ
Insurance questions.
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’re welcome to see us as a self-pay patient at our transparent rates. After the visit we provide an itemized superbill with all CPT and diagnosis codes that you can submit to your plan for out-of-network reimbursement.
Do you accept Medicaid?
TrufaMED is not currently in-network with Medicaid plans. We’re happy to see Medicaid patients as self-pay at our transparent rates, or refer you to a nearby Medicaid-accepting facility.
What’s covered by insurance vs self-pay?
Urgent care visits, testing, labs, imaging, and prescribed medications are typically covered by insurance for in-network plans. IV therapy, hyperbaric oxygen therapy, 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 specific plan requires referrals for, we help coordinate the referral process before your visit.
How does billing work for in-network visits?
You pay your copay at check-out (our front desk confirms the amount via real-time eligibility check). We submit the claim directly to your insurer; the balance is handled between us and the payer. You receive an explanation of benefits from your insurer within 2-4 weeks.
Do you accept HSA and FSA cards?
Yes. HSA and FSA cards 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 (like HBOT or wellness IVs) may require a physician letter of medical necessity — ask at check-in.
What happens if I have a deductible I haven’t met?
If your plan has a deductible that hasn’t been met, you’re responsible for the visit cost up to that deductible. We run eligibility before the visit so you know exactly what to expect. 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 CPT 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.
Do you bill international insurance?
We do not directly bill international health insurance plans. We provide itemized receipts in English plus a second language on request (Spanish, Portuguese, Hebrew, French, Russian, Ukrainian) that international visitors can submit to their home-country insurance for reimbursement. Most international PPO plans reimburse a significant share of out-of-country care with appropriate documentation.
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 + pricing with you before anything runs. In the rare case an out-of-network provider is involved (e.g. a referral), we inform you in advance and obtain written consent.
Who do I call with a billing question?
Call (305) 537-6396 and ask for the billing team. For specific questions about a past visit, have the date of service and your insurance card handy. We also accept billing inquiries via WhatsApp at +1 (305) 842-9801.
Coverage question? We verify in minutes.
Have your insurance card handy and call (305) 537-6396. Our front desk runs a real-time eligibility check with your insurer before you commit to a visit — no surprises.
Insurance coverage varies by specific plan, deductible status, and medical necessity. TrufaMED verifies your benefits with your insurer before every visit, but final coverage determination is made by the payer. TrufaMED Urgent Care & Concierge Medicine is accredited by The Joint Commission and located at 9445 Harding Ave, Surfside, FL 33154. For life-threatening emergencies call 911 immediately.
