Insurance and Payment Information | Zen Medicine 

At Zen Medicine, we are committed to providing exceptional, personalized care through a functional and integrative medicine approach. Our cash-based medical model allows us to spend more time with each patient, offering deeper evaluations and tailored treatment plans—free from the limitations of traditional insurance-based practices.

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Do You Accept Insurance at Zen Medicine?

Zen Medicine is a cash-based medical facility, which means we do not bill insurance companies directly. This model supports a higher standard of care, increased privacy, and more flexibility in the treatments we offer.

Super-Bills for Reimbursement

Although we do not accept insurance, we are happy to provide super-bills—detailed invoices you can submit to your insurance provider for potential out-of-network reimbursement. Reimbursement varies by insurance plan, so we recommend contacting your provider for more information.

Please note: Our practitioners are opted out of Medicare, which means Medicare cannot be billed for office visits or most prescriptions. However, Medicare may cover some laboratory services, such as blood work, if performed through approved providers.

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Blood Work & Lab Testing: Insurance vs. Flat Rate Option

Zen Medicine offers comprehensive lab testing far beyond what is typically available through conventional providers. These tests often evaluate inflammatory markers, nutrient levels, hormonal balance, and more.

• While many insurance plans cover standard blood work, coverage may not include the full range of tests we recommend.

• To provide an affordable, predictable alternative, we offer private lab testing for a flat rate of $650. This option includes home or office blood draws for your convenience.

• Given that some insurance-billed labs can cost upwards of $6,000 out-of-pocket, our flat-rate lab service is often the more cost-effective choice.

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Medication Coverage

Coverage for prescribed supplements or medications may vary by provider and plan. Our team will help identify which treatments are more likely to be reimbursed, but we strongly recommend confirming coverage directly with your insurance company before beginning any treatment plan.

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Payment Options at Zen Medicine

We offer several convenient payment options to make our care accessible and manageable for a variety of budgets.

1. Afterpay (0% Financing)

We offer Afterpay for purchases up to $2,000, allowing you to split your total into four equal, interest-free payments every two weeks.

To use Afterpay, visit: Afterpay Login
(Account setup required prior to checkout.)

2. Credit Cards

We accept all major credit cards. A 4% processing fee applies to all credit card transactions. You can avoid this fee by choosing one of the options below.

3. Cash, Checks, or Money Orders

We gladly accept cash, personal checks, and money orders as no-fee alternatives for payment.

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Why Choose a Cash-Based Medical Practice?

Many patients find that choosing a practice that operates outside of insurance offers key advantages:

• Longer Appointment Times: Our providers are not restricted by insurance-mandated time limits. You’ll receive thoughtful, unhurried care in every visit.

• Expanded Treatment Options: We are free to recommend holistic and functional therapies not covered by insurance.

• Transparent, Upfront Pricing: No surprise bills. You’ll always know what you’re paying for.

• Greater Privacy: Your personal health information stays between you and your provider. No data is shared with insurance companies.

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Why Zen Medicine Doesn’t Accept Insurance

Our decision to remain insurance-free allows us to prioritize patient-centered care. Traditional insurance models often place limitations on:

• Time: Insurance restricts appointment lengths. At Zen Medicine, you are never rushed. We book one patient at a time to ensure focused, individualized care.

• Treatment Options: Insurance carriers may not approve holistic or integrative therapies, even when they are the most effective.

• Administrative Burden: Avoiding insurance paperwork allows our staff to devote more time to direct patient care.

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Schedule a Consultation

At Zen Medicine, we’re committed to helping you take control of your health through personalized, integrative medicine. If you’re ready to begin your wellness journey or have questions about our payment options, we’re here to help.