As a physician who left the conventional system to practice Functional Medicine, Dr. Rich is passionate about what he does. Just as his services are unique, our financial policies set our practice apart from mainstream medicine. We have prepared this page to answer questions you or your family members may have about the rationale for our financial policies. If after reading this you still have questions, please feel free to contact our office.

Insurance Policy

Live Fit Medicine operates as a self-pay medical practice. This means that we do not accept health insurance, we are not a participating provider with Medicare or Medicaid and we will not file insurance paperwork on your behalf. We can provide you with a detailed statement (Superbill) that contains diagnosis and procedure codes to assist you with possible insurance reimbursement, however, we cannot assure you that any of Dr. Rich’s services will be reimbursed. 

Payment: When you schedule your initial evaluation we request a credit card on file to hold the appointment for you. However, no charges will be applied prior to your appointment unless you cancel or reschedule your appointment without proper notice (please see here for our cancellation policy). 

Can I use my HSA or FSA to pay? Yes, we accept HSA (Health Savings Account) and FSA (Flexible Spending Account) cards. 


Why we do not accept medical insurance

We understand the financial challenge our decision may present to some patients and it was not an easy one to make. Unfortunately, at this time Functional Medicine and preventative care are not adequately supported by health insurance. At the core of our decision is Dr. Rich’s strong belief that decisions about your medical care should remain between you and him, uninterrupted by third party interests (i.e., those of an insurance company). When a medical practice bill’s an insurance company directly, the doctors are required to become participating providers and must sign a contract that allows the insurance company to determine which services they can and cannot provide, how much time they can spend on them and how much they can charge for those services.

Health insurance companies/Medicare only allow for a limited number and quantity of covered procedures and medical care. In general, these do not include preventive or wellness services. They are heavily invested in the conventional model of health care that too often relies on drugs, procedures and surgeries. As a physician who practices functional medicine, Dr. Rich is firmly committed to prevention, wellness and natural solutions to health problems. His goal is to address the underlying causes of your symptoms with specific nutritional and lifestyle recommendations and to apply the most recent advances in scientific discovery and care delivery—interventions that are generally not reimbursed by insurance companies.

Insurance company’s reimbursements only cover accepted diagnoses as determined by the ICD-10 coding and diagnosing system. A participating medical practice must agree to accept the fees the insurance company establishes, regardless of whether the fees are reasonable or applicable to that practice and they cannot bill the patient for the difference between their fee and what the insurance company will pay. In general, these established fees only cover the cost of the briefest (and we believe the lowest quality) care. In today’s healthcare environment, participating providers’ overhead costs have increased dramatically because of the staff, time, and equipment necessary for processing and tracking insurance claims, while the percentage of reasonable fees that insurance covers is declining. Many medical clinics are not self-sustaining financially and have had to merge with hospitals whose expensive, high-tech surgical and diagnostic procedures are priced to keep the clinics afloat financially. 

Dr. Rich has found that he cannot be a participating provider in the insurance networks and offer well-researched, individualized and transformational programs designed to restore and foster long-term health. His work with patients is time-intensive and he spends many hours face to face with each patient, and many additional hours researching and formulating their care.

Please click here if you would like to learn about our programs and pricing.