Dr. Smita Kargutkar

  • Education: M.B.B.S. – Seth G.S. Medical College and K.E.M. Hospital, Mumbai, India
  • Residency: M.D. Internal Medicine, Monmouth Medical Center, Long Branch, NJ
  • Fellowship: M.D. Endocrinology, Diabetes & Metabolism, Albert Einstein Medical Center, Philadelphia, PA
  • F. A. C. E. ( Fellow of American Association of Clinical Endocrinologist
  • Fellowship trained in Integrative, Functional, Anti-aging and Regenerative Medicine from American Academy of Anti-aging and Regenerative Medicine A4M

Board Certifications:

  • Internal Medicine
  • Endocrinology, Diabetes & Metabolism


  • The Endocrine Society
  • American Diabetes Association (ADA)
  • American Association of Clinical Endocrinologists (AACE)
  • American Academy of Anti-aging and Regenerative Medicine (AAARM)
  • Life member: American Association of Physicians of Indian Origin (AAPI and MOCAAPI )


Thyroid and Adrenal Disorders

  • Hypothyroidism: Low thyroid levels
  • Hashimoto’s thyroiditis
  • Hyperthyroidism- High thyroid levels
  • Graves’ disease and Toxic nodules
  • Thyroid Nodules
  • Thyroid Cancer
  • Optimization of thyroid function
  • Thyroiditis Adrenal Adenoma
  • Adrenal Insufficiency
  • Adrenal Fatigue


Women’s Health

  • PCOS
  • Hirsutism- Excess hair
  • Menstrual irregularities
  • Osteoporosis
  • Osteopenia
  • Premenstrual Syndrome
  • Menopause


Men’s Health

  • Low testosterone levels

Dr. Kargutkar does NOT prescribe testosterone to men unless there is a valid medical reason.


Diabetes mellitus & Metabolism

  • Diabetes mellitus Type 1
  • Diabetes mellitus Type 2
  • Diabetes mellitus Type 1.5/LADA
  • Insulin Pump titration
  • Continuous Glucose monitor
  • Steroid-induced high blood sugars
  • Obesity
  • Nutrition and Metabolism
  • Vitamin Deficiencies


Pituitary Disorders

  • Pituitary Adenoma
  • Cushing’s Syndrome
  • Acromegaly
  • Growth Hormone Disorders
  • Prolactinoma
  • Hypopituitarism
  • Parathyroid Disorders
  • Hyperparathyroidism
  • Hypoparathyroidism
  • Hypercalcemia: High calcium levels
  • Hypocalcemia: Low calcium levels



We are in Network with:

  • Aetna
  • Meritain Health Aetna
  • Medicare Primary and Any commercial insurance as secondary

* Please note:

· We check deductible for every patient at every visit.

· We require to keep a credit card on file.

· If you have a high deductible plan and you have not met the deductible, We will ask you to pay for the full visit upfront.

· If there is an overpayment, we will refund you the difference after the EOB (Explanation of Benefits) is received from Insurance.

· You can use FSA or HSA card to make payment.

· No show fee is $25


Out Of Network Insurances

  • Aetna Better Health ( Medicaid)
  • AmeriHealth
  • Amerigroup
  • Blue Cross Blue Shield
  • Cigna
  • Geisinger
  • GHI/Emblem health
  • Humana
  • Horizon Medicare Blue Advantage (HMO)
  • Horizon NJ Health
  • Magnacare
  • Qualcare
  • United Oxford
  • United Health Care
  • United HealthCare Community Plan
  • Any Medicaid Plan
  • Any Medicare Advantage/Complete plans offered by Blue Cross Blue Shield, United Health Care, Oxford or AARP

· You can still see the doctor as an Out Of Network Physician.

· You will be asked to pay for the visit upfront by Credit/Debit/ FSA/ HSA Card or cash.

· You will receive a superbill at the end of the visit, which you can submit to your insurance company.

· Depending on your “Out Of Network deductible”, insurance company will reimburse you directly.

· You can call the Customer Service number on back of your insurance card to get the details.

· You can use your FSA or HSA (Flexible or Health Spending Account card) for the payment.

Consultation Dr. Smita Kargutkar
Thyroid and Adrenal Disorders
Diabetes mellitus & Metabolism
Pituitary Disorders
Parathyroid Disorders
Women's Health
Men's Health
Endocrinology Price First Visit out of Network Follow-up Visit out of Network
New Patient consult level-5 ( Very complex and needs more time to manage ) $600.00 $250.00
New Patient consult level-4 ( Moderate Complexity ) $400.00 $200.00
New Patient consult level-3 ( Low Complexity ) $350.00 $150.00
New Patient consult level-2 ( Very Low Complexity ) $300.00 $100.00
New Patient consult level-0 ( brief Visit ) $250.00 $50.00