Billing & Insurance

Insurances Generally Accepted at the Raby Institute

The Raby Institute For Integrative Medicine accepts various commercial health insurance plans as well as Medicare. Our Medical Doctors and Nurse Practitioners are in-network with the insurance payers listed below. If you have specific questions about your network coverage, please contact your insurance company directly.

Please note that insurance networks continually change. If you do not see your insurance listed below, please contact our office or your insurance company for confirmation.  Click here for a listing of insurances accepted for non MD providers and  fee for service rates by provider.

  • Aetna
  • Alliance
  • Beech Street
  • Blue Cross Blue Shield
  • Cigna
  • First Health
  • HFN
  • Imagine Health
  • Medicare
  • Multiplan / PHCS
  • United Healthcare

What is your Financial Responsibility?

Your insurance coverage will vary based on the specific plan you have chosen, Please check with your insurance provider to understand your specific benefit coverage and your financial responsibility.

Below are some key components of insurance plans that you may want to be familiar with to help understand your financial responsibility.


A flat fee amount that you are required to pay at the time of service.


The amount that you must pay EACH YEAR before your insurance will begin paying your medical claims.


The percentage of your medical bill you will be responsible to pay once you have met your deductible.

Out of Pocket Maximum

The maximum amount that you will pay out of pocket for medical expenses per policy year.

What to Expect at Check-In

When checking in at the Raby Institute, you will be asked to pay any applicable co-pay and any balance on your account.  If you are seeing one of the treatment providers you will also be asked to pay any applicable deductible.  

All services that are fee for service will be payable at the time of check in.

A credit card on file is required to establish care at the Raby Institute.  If one is not on file you will be asked to provide a card to be kept securely on file.  Per the financial agreement, your card will be used to process any balances over 60 days.