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Payment & Insurance

How payment works
at Encompass Care

Most of what I offer is self-pay, and that's deliberate — it's what makes longer visits and real continuity possible. Insurance is accepted for eligible primary care. Here's how each piece works, with no surprises.

01
Self-Pay Care

Membership & functional medicine

These are the two ways most patients work with me, and both are self-pay. You pay a known amount for a defined scope of care — no claims, no coverage determinations, and no surprise bill weeks later.

Ongoing care

Integrative Primary Care Membership

A flat fee — monthly, quarterly, or annual — that covers your ongoing care relationship rather than each individual appointment. Visits are included as clinically appropriate, along with secure messaging, care coordination, and proactive follow-up.

  • Visits included rather than billed per appointment
  • Same- and next-day sick visits
  • Portal messaging between visits
  • Basic labs at cost
A one-time onboarding fee applies when you join, and is waived if you enroll within 14 days of a visit with me. Membership billing begins on the date of your Comprehensive Intake Visit, not before — that visit is included in your first billing cycle.

Membership is not health insurance. It covers the care I provide. Prescriptions, outside labs, imaging, and specialist care are billed separately by whoever provides them.

See membership options and pricing →
Deeper evaluation

Functional medicine

Each functional medicine service has a single, stated fee covering the whole scope of that service — the intake, the records and lab review, the interpretation, the written roadmap, and the follow-through. You know the figure before you begin.

  • Lab Launch — a review of labs you already have
  • Root Cause Review — comprehensive evaluation and roadmap
  • Root Cause Review with an advanced specialty panel
  • Reset and Rebuild — structured programs over three or six months
Advanced specialty panels are billed directly by the laboratory, separately from my fee. I'll tell you the expected cost before anything is ordered — I don't order testing that won't change what I recommend.

A Root Cause Review credits toward Reset or Rebuild if you continue into a program.

Compare the functional medicine pathways →

Using HSA and FSA funds

HSA and FSA funds can often be used for eligible services. Your plan administrator makes the final determination. I'm glad to provide an itemized receipt for your records.

02
Insurance

Where insurance fits

Insurance is accepted for eligible conventional primary care services — preventive visits, acute concerns, chronic condition management, prescriptions, and standard laboratory work. If that's what you need, it's a good fit, and I'm glad to verify your benefits before you schedule.

Why functional medicine is self-pay

Functional medicine services are self-pay because of what they include — longer visits, advanced interpretation, education, care coordination, personalized planning, and ongoing support. These are the parts of care that take the most time and often make the most difference, and they sit outside what a conventional billable visit is designed to cover.

Being self-pay is what lets me spend ninety minutes on a history instead of fifteen, and follow a thread across systems rather than closing a single complaint. It isn't a comment on insurance-based care, which does its job well — it's a different scope of work.

The two work together

Patients in a functional medicine program routinely continue to use insurance for conventional labs, prescriptions, imaging, referrals, and other insurance-appropriate services. Nothing about starting a program changes your coverage or requires you to give it up.

Out-of-network benefits

Superbills are available on request

If your plan offers out-of-network benefits, I can provide a superbill — an itemized receipt with the diagnosis and procedure codes your insurer needs — which you submit yourself for possible reimbursement. Whether anything comes back is between you and your plan, so it's worth calling them first to understand what your out-of-network benefits actually cover.

03
Common Questions

Payment, answered

Do you take my insurance?

Insurance is accepted for eligible primary care visits. The accepted plans are listed above, though participation varies by plan and by service and plans change — so the surest answer is to let me verify your benefits before you schedule.

Can I use my HSA or FSA?

HSA and FSA funds can often be used for eligible services. Your plan administrator makes the final determination. I'm glad to provide an itemized receipt for your records.

What if you don't take my insurance?

You have a few options. If your plan offers out-of-network benefits, I can provide a superbill to submit yourself. You can schedule self-pay visits as you need them. Or the Integrative Primary Care Membership gives you ongoing care for a predictable flat fee — for patients without accepted coverage, that's often the simplest arrangement.

Will I get a surprise bill?

Not from me. Self-pay fees are stated before you book and don't change. For anything billed to insurance, your plan determines your copay, deductible, and coinsurance — I'll tell you what I know, but your plan has the final word. Advanced specialty panels are billed directly by the laboratory, and I'll give you the expected cost before ordering.

Can I use insurance while I'm in a functional medicine program?

Yes. Conventional labs, prescriptions, imaging, referrals, and eligible medical visits continue to be billed to insurance as usual. The program fee covers the functional medicine work alongside it.

Is the membership insurance?

No. It's a flat fee for the care I provide and the relationship behind it. It doesn't cover hospitalization, specialists, emergency care, or prescriptions. Most members keep a health plan for those and use membership for their primary care.

When do I pay?

Payment is due at the time of service. Membership billing begins on the date of your Comprehensive Intake Visit, not before, and that visit is included in your first billing cycle.

Not sure which option
is right for you?

Fifteen minutes on the phone usually settles it. Tell me what's going on and what you're hoping for, and I'll tell you honestly which path fits — including if that's staying with insurance-based primary care.

Book a Free Intro Call →

No obligation. 15 minutes. I pick up.

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