Payment Options

Your health and wellness are our priority. Our financial policy allows us to provide you with access to the best treatment available, and does not limit your healthcare to what is covered by your health insurance policy.

We ask for payment at the time of your visit. We accept cash, check, or credit card. We will also provide assistance utilizing your Health Savings Account or Flex Spending Account to maximize tax benefits without high out-of-pocket costs.

About Health Insurance

Our staff is experienced with health insurance, and although we are a self-pay practice, we will help you maximize your benefits. Some of the procedures and treatments we offer may be covered by your health insurance at your out-of-network benefits rate. We will be happy to provide you with the proper documentation and billing necessary for you to self-submit your office visits to your carrier for reimbursement. We work with many specialty lab companies, and will utilize insurance for lab tests. Since all insurance plans are different, we encourage you to proactively contact your carrier to verify your own out-of-network benefits.

 

How does reimbursement work?

You will pay for your visit or treatment at the time of service. Our staff will prepare the necessary forms, including pertinent documentation and billing codes, for you to submit to your health insurance provider for possible reimbursement, depending on your insurance plan.

Why does AFM choose to not participate in any insurance plans?

  1. Because insurance companies pay according to particular procedure codes, insurance plans are generally designed to cover “sick care,” as opposed to the type of wellness care that functional medicine offers. Unfortunately, at this time, many insurance plans are not designed to recognize our type of patient care.
  2. AFM providers believe in spending quality time with all patients to assure that a very high level of patient care is delivered. AFM providers would prefer to decide what is best for each patient, and the time needed, as opposed to agreeing to limited time constraints.
  3. Choosing to be an out-of-network provider allows AFM providers to perform multiple procedures or treatments during one office visit. AFM providers are at liberty to decide which treatment or procedures are best for each patient during each office visit.
  4. Functional medicine is on the cutting edge of many different types of treatments and testing. Some of our newer procedures and treatments may not be recognized as “standard” care according to certain insurance plans. We are hoping that most insurance plans will soon recognize functional medicine as a type of standard care in medicine.