Francis Holistic Medical Center

N. Thomas LaCava, MD, Medical Director                                             Treating the Cause of Complex Chronic Illness

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Payment and Insurance


Billing policy

Any copayment, coinsurance, or deductible that is required by your insurance company will now be due upon check-in at your next appointment.  Thank you for your understanding of this policy.

Billing and Insurance

For Dr. LaCava's pediatric primary care services and adult services, we accept a variety of insurance carriers.  A list of contracted insurers is indicated below.  For questions regarding your individual insurance policy, please contact your insurance company directly at the telephone number located on the back of your insurance identification card.  You can also contact our office at (508) 854-1380.  Parents who want their children to have a primary care relationship with this office will be required to offer as much organic food as possible and give their child a multivitamin/multimineral plus an extra Vitamin D, if tolerated and come into the office SCENT-FREE!

Insurances accepted for Children

Blue Cross  Blue Shield:
BCBS PPO
BCBS POS
BCBS HMO - Dr. LaCava must be PCP for HMO plans
Cigna Open Access Plans - PPO or POS only
Fallon Select Plan only - Dr. LaCava must be listed as PCP
Tufts Standard Plans only - Dr. LaCava as PCP or referrals accepted
Harvard Pilgrim:
PPO
HMO - Dr. LaCava must be listed as PCP
Unicare / GIC Indemnity



Insurances accepted for Adults

Blue Cross Blue Shield:
BCBS PPO
BCBS POS

CIGNA Open Access Plans - PPO or POS only

Tufts standard plans only
Tufts HMO with referral from PCP
Tufts PPO
Tufts POS
Unicare / GIC Indemnity


Note: Each insurance carrier provides individualized plans that may or may not be compatible with the Francis Holistic Medical Center, P.C.  For questions regarding your individualized insurance policy, please contact your insurance company directly at the telephone number located on the back of your insurance identification card.

Allergy Testing and Insurance

Whether you are new to our allergy testing department or returning for a retest, it is extremely important to check with your insurance company about your Allergy Testing and Treatment benefits BEFORE you schedule your testing appointments.  Many insurance companies are starting to place limits on the amount of testing that will be covered under your plan.

For instance, currently some Blue Cross Blue Shield plans have imposed a limit of 60 allergy tests per patient per year.  Tufts Health Plan currently has a limit of 200 allergy tests per patient per year and some plans even have a daily maximum number of tests allowed.  Patients can receive anywhere from 10-50 allergy tests PER SESSION.  These allergy tests can add up fast!  The examples given are subject to change at any time.  Even if you have had testing performed in the past, your insurance carrier may have imposed a limit since your last session.  Allergy testing is $16 per injection (test).  Knowing your individual insurance benefits is your responsibility.  Don't run the risk of being responsible for a substantial financial burden.

Always check with your insurance company about your allergy benefits before receiving these services!

We provide integrative, functional medicine in Central Massachusetts in the Worcester area. Many of our patients come from Boston and the Metrowest Boston area as well as all areas of Massachusetts and the other New England states.

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