functional medicine insurance

Is Functional Medicine Covered By Insurance

Is functional medicine covered by insurance is a question we get often, and it’s a sensitive subject for many. As I do my best to explain this answer, please know that the model we’ve chosen was what we felt allowed us to provide the best individual care in a holistic functional medicine practice for each person. As with many things in medicine, what’s covered by insurance can change, but at the present time…

Is functional medicine covered by insurance?

Chances are, if you are in a true functional medicine practice where your doctor is practicing in a functional medicine model of care and not a conventional insurance model of care, the most likely answer is no, it’s not covered by insurance.

What’s the difference between the two models of care?

Conventional insurance-based medicine is built around the concept of labeling you with a reimbursable diagnostic code (diagnosis) and then finding the medications or a procedure to match.

A functional medicine model of care works through the functional medicine matrix, balances imbalances, considers the connection of mind-body-spirit and often can’t label your symptoms with a single diagnostic name because body systems communicate. We remove the artificial silos of body parts into specialty areas of conventional medicine and consider you as a whole person, mind and body, with communicating body organs/systems. The core of functional medicine is finding the why, or the root cause, and simply operating in a diagnosis to medication model doesn’t fit. 

In addition, if your doctor is spending enough time with you (both in person and afterwards researching your unique case) to get to the root of your issue, using advanced testing that takes more time and knowledge to interpret, and then personalizing your treatment plan to include natural therapies, the most likely answer is no, it’s not covered by insurance.

Many treatments in functional medicine are considered “alternative” because they don’t involve a medication for symptoms, but rather supplement an individual’s unique needs. Our foundational bundle contains vitamins we find the majority of our patients are deficient. Functional medicine doctors understand that what works for you might not work for the other 99 people in the study, because you have a unique genome, microbiome, and lifestyle – factors that aren’t considered in mainstream medicine recommendations.
foundational supplements

Root Foundational Supplement Bundle

Our 3 most prescribed supplements in our 1:1 practice, bundled together for a 10% savings.
$105.00
A bottle of B Complex supplements

B Complex

You won't B tired when you take this one
$41.00
vitamin D dropper

Vitamin D3/K2 Liquid

Increased energy & improved mood is just a drop away.
$31.00

So, a true functional medicine approach doesn’t often work with insurance.  However, here’s why that can be a good thing:
Insurance-free practices allows for:

  • Advanced care. Being “insurance-free” allows doctors to recommend the most advanced therapies and testing. One study showed that conventional doctors took an average of 17 years to change behavior, from the time of new scientific information (1). The insurance model keeps doctors stuck in the current “standard of care” because that is often what is reimbursed, even if that standard of care is outdated. Insurance covers what they can easily track (expense to benefit) and unfortunately one of the easiest things to track is medication. Medications are also easier to study because it’s one intervention and not a more difficult to measure multi-factorial approach of lifestyle and natural therapies. (Not to mention medication studies have more funding). Yes, medications can be life-saving and necessary and as an MD I still prescribe them, but it is only part of our treatment plan.
  • Personalized care. In functional medicine, we base treatments on the best possibilities for an individual with a unique genome, microbiome, and lifestyle, instead of basing our treatments simply on what the insurance company tells us they’ll pay for.
  • Time.  Insurance reimburses doctors’ visits that typically last about 15 minutes. We often spend over an hour with our new members, getting a comprehensive assessment. We have to know what is going on in your life before we can improve it.
  • Flexibility.  There are no restrictions with where or how your care can be given – in office, home, phone, or video. We can meet patients where they are.
  • 1:1 personal relationship. There’s no one in between your doctor and you. It’s a true partnership. Your doctor is only working for you. He or she is not caught in a triangle between you, insurance, and administration.
  • No barriers to seeking care and support when you need it. There are no penalties for seeing us (like co-pays). In our model, we expect to see our patients frequently so that we can help them through the healing process.
  • Transparency.  There’s no guessing game of what’s covered, surprise lab bills in the hundreds of dollars for necessary tests that you felt should be covered. We spell out lab costs, decide together which tests are important and let you know the worst case pricing if the insurance doesn’t cover. We also offer much lower, direct pay pricing on many common labs.  The value of our Root® lab panel that we run on Educational Group Visit with Labs participants and every member of our Get to the Root program is actually valued at about $2100, but we are able to pass savings on to you since we don't go through insurance.  We find having this lab data to be invaluable.  
doctors and dietitians at root

Educational Group Visit with Labs

Test, don't guess! Learn the Root approach to optimizing your health for data driven results.
$597.00
functional medicine program expansion

Get to the Root Program

Our signature functional medicine program where you work with both a doctor and dietitian over 3 months.
$2,400.00

But, functional medicine is expensive, right?

First, we consider functional medicine an investment over an expense. Working to transform your lifestyle and health will continue to reward you over your lifetime.

Functional medicine is not more expensive than repeat colonoscopies, ongoing work-ups with no answers and expensive imaging, “blockbuster medications” that only increase in dose and number, or an emergency that could have been prevented.

We see people from all walks of life, including hard working people on a fixed budget. They are willing to invest in their health and to them, it’s more of a priority decision than a cost decision. They’d rather not wait and keep doing the same things, taking the same medications, but expecting a different result. The upfront investment they make both financially and effort-wise often completely change the course of their health over their lifetime.

We still absolutely encourage our patients to have insurance, especially for acute medical needs. And although we don’t work with insurance directly, we offer several options for accessing our functional medicine protocols at various price points.

  • Digital meal plan downloads.  After all, nutrition lays the foundation for success in functional medicine.   
  • Online programs. We created programs that not only mimic what we do in our in-person programs at a much lower cost, they explain in depth the reasons around why we do what we do to help our clients heal. You can access these from anywhere in the world and complete them at your own pace.
  • Root® supplements. These are professional grade, third-party-tested supplements that we actually use in practice, available to you now. We test levels in real people and see the results in real life from our supplements.  
  • HSA/FSA dollars are often able to be used for our medical and dietitian consults (check with your carrier). This can give you more control over your health care dollars. Now, as many insurance plans have higher deductibles, many employers offer HSAs as part of the health plan.
  • The savings we are able to pass on to patients on direct lower cost conventional labs can offset the total cost of functional care.
meal plan

Root Foundational Meal Plan

A meal plan for life.
$24.99
Weight Course

Root Cause: Why Am I Not Losing Weight?

A functional plan for healthy weight
$397.00
PCOS Course

The PCOS Symptom Reversal Method

The most comprehensive course for understanding what is driving your PCOS, how to fix it at the root cause, and reverse your PCOS symptoms to feel your best. The ONLY course taught by functional doctors, dietitians and chefs who specialize in PCOS.
$497.00
In summary, to answer the question, "is functional medicine covered by insurance?"  The answer is probably not.  At Root®, we are proud to offer accessible functional medicine options ranging from downloadable digital meal plans all the way to our signature Get to the Root.

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