The following participating insurance carriers will be billed for you:

  • Aetna

  • Anthem Blue Cross / Blue Shield

  • AARP


  • Harvard Pilgrim

  • Medicare

  • Tufts

  • United

  • UMR

  • Humana

$225 Non-covered Service Fee & Charges

Children are FREE with 2 enrolled individuals 

This fee covers all the things Dr. Croft and McCall does for you not covered by your insurance. It is not a membership fee.   It helps keeps her practice sustainable and allows her to continue taking insurance, have longer appointment times, devise your integrative treatment plan outside of appointment times and give you unfettered 24-7 technology access. This fee is not refundable or prorated. It is due when accepted into the practice and annually.  You will receive an annual reminder and it will be charged to the credit card you agreed on file.

If you do not have insurance or your insurance is not accepted at NDFC please inquire within. 

We do ask you to keep an active credit card registered on your account.  Please keep us updated.

Charges that will be applied to your credit card on file: late, missed or cancel an appointment without proper notice, any outstanding balances, denied claims, your annual non-covered service fee, and any fees for credit card charge backs or returned checks.

Co-pays, co-insurance and deductibles are collected at time of service.

$45 fee for Returned checks.

Unpaid balances : 31-60 days    =  $25 late fee 

                               61- 90 days   =   $40 late fee 

                               over 90 days  = $55 late fee


Late & No Show Fees

If you are late 15 minutes or more       = $75 charge 

If you no show a 30 min. appointment = $100 charge

If you no show a 60 min. appointment = $200 charge

Please review our cancellation policy under Practice Policies tab.


Please be sure to obtain a current referral if required by your insurance policy for any consultations.

If your insurance is not accepted or you lack insurance please inquire within.  

We are here to help anyone who is ready to improve their lives.  

Virtual Visits

This type of visit may be covered by your insurance.  Before you request this service check with your specific insurance plan first and review our practice policies.  


Family members visiting from out of town may seek acute sick care at NDFC.  If their insurance will not cover their care the visit will cost $150 plus any office tests/service if needed.


Restorative Medicine