Why personalized care is worth the investment.
Commercial insurance rarely covers concierge functional medicine, bio-identical hormone therapy, compounded medications, or the deep-dive work that finally reveals the root cause. Here's why that is — and why so many patients choose to invest anyway.
Insurance is great for emergencies — not for root-cause medicine.
We encourage you to keep health insurance for hospitalizations, surgeries, emergencies, and acute illness. But the model that works so well for a broken bone or an infection is not the same model that restores hormones, reverses inflammation, or rebuilds metabolism after years of dysfunction.
Insurance is built for short, episodic visits
Commercial insurance reimburses quick, symptom-based visits and standardized procedures. It is not designed to pay for the 60–90 minute root-cause investigations, advanced hormone panels, or personalized protocols that actually move the needle for complex patients.
Compounded medications are usually not covered
Bio-identical hormones, custom peptide blends, and personalized compounded prescriptions are formulated specifically for your body and symptoms. Because they are not mass-produced brand-name drugs, insurance plans almost never cover them — even when they are the most appropriate therapy for you.
Insurance dictates what is allowed, not what is optimal
Your insurance formulary may approve medications that mask symptoms while denying the tests and treatments that reveal why you feel unwell. This is why so many patients are told their labs are 'normal' while they still feel exhausted, anxious, or inflamed.
Personalized care rewards time and results, not volume
Insurance-based practices are incentivized to see more patients in less time. Concierge functional medicine does the opposite: fewer patients, deeper visits, and a physician who has time to connect your hormones, gut, metabolism, lifestyle, and genetics.
What your investment actually buys.
When you invest in personalized care, you are paying for time, expertise, and access — not just a prescription or a 7-minute visit. You get a physician who has reviewed your full history, interpreted advanced labs, and designed a protocol tailored to your goals.
- One-hour consultations with Dr. Tammy
- Direct access between visits via phone or portal
- Advanced hormone, gut, and metabolic testing
- Custom compounded bio-identical hormones
- Targeted peptide and regenerative protocols
- Lifestyle, nutrition, and supplement guidance
- A partner who listens and adjusts as you evolve
We make personalized care as accessible as possible.
Lack of insurance coverage does not have to mean lack of access. We offer several ways to fit your care into your budget.
FSA & HSA
Use pre-tax dollars for eligible consultations, labs, hormone therapy, IV therapy, HBOT, and more. We provide itemized receipts for reimbursement.
Learn more →In-house financing
Flexible payment plans designed around your care plan, so you can start healing without the full upfront cost hitting at once.
CareCredit
Healthcare financing for qualifying patients — often with promotional interest-free options for medical services and wellness care. We can discuss the best fit for your budget during your consult.
Major credit cards & HSA/FSA cards
Visa, Mastercard, Discover, American Express, and HSA/FSA debit cards are accepted at the clinic.
Your health is the best investment you'll ever make.
If you have been let down by rushed visits, denied tests, or told everything is "normal" while you still feel unwell, personalized care may be the answer. We would be honored to help you explore it.
Questions? Get in touch.
Our staff would love to help you choose the service that's right for you.