Our Insurance Philosophy

At Health For Life Naturopathic Medicine, we exist to transform the healing experience of healthcare. At the heart of this transformation is our commitment to stand apart from the traditional, insurance-based medical model. This decision is both deliberate and unapologetic, driven by our belief that true healing and optimized health and wellness require patients to be active participants in their healthcare journey.

Why We Don’t
Accept Insurance

We understand that many people pay significant premiums for insurance, and we appreciate their desire to utilize those benefits for medical care. However, we believe that allowing insurance companies to dictate medical decisions places them in the driver’s seat, limiting treatment options and undermining the relationship between doctor and patient.

When patients have the freedom to make their own medical decisions, uninfluenced by the constraints of insurance policies, we see dramatically better results. Care plan adherence improves, the range of treatment options expands, and patients are empowered to take charge of their health.

The insurance-based medical model often prioritizes reactive care which manages symptoms rather than addressing root causes. We believe this approach keeps people stuck in a cycle of illness, preventing true healing and optimization of health. By stepping outside of this system, we can offer care that is personalized, proactive, and transformative.

What We Offer Instead

While we do not bill insurance directly, we strive to make care accessible and transparent:

  • Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA): We accept HSA and FSA funds for payment.
  • Superbills for Out-of-Network Coverage: Upon request, we can provide a superbill that you may submit to your insurance provider for potential reimbursement of out-of-network expenses. Please note that coverage varies by plan, and patients are responsible for verifying their own benefits.
  • Lab Services: We have an onsite lab for convenient blood draws. For many tests, we can facilitate billing through your insurance provider by providing the lab with a copy of your insurance card. However, patients are responsible for understanding their plan’s coverage. For any labs paid out of pocket, we have negotiated cash pay prices available as well.

Important Exclusions:

Medicare, Tricare, and Medicaid: We do not accept Medicare or state-sponsored Medicaid (AHCCCS in Arizona).

Our
Philosophy

We are committed to empowering our patients to achieve their highest potential for health and wellness. This starts with a model of care that prioritizes the doctor-patient relationship, values personalized treatments, and fosters a proactive approach to healing. By stepping outside the confines of insurance, we align every aspect of care with our mission: to transform the healing experience of healthcare and promote true, lasting wellness.

We invite you to join us in this journey toward empowered, patient-centered care.