Often patients come to Dr. Weyrich because they are seeking an alternative to the standard of care provided by insurance companies or government programs.

In order to keep costs low, we do not accept insurance and we do not file insurance paperwork on your behalf.

Instead we offer a "cash discount" price and provide a detailed receipt of services performed for you to submit to your insurance carrier for possible reimbursement.

Because functional diagnostic medicine and naturopathic treatment modalities differ from the model of medical care used by these third-party payers, coverage by insurance is not guaranteed.

Some insurance carriers may cover medical services performed, laboratory tests ordered, and drugs prescribed by Dr. Weyrich (in whole or in part).

Generally speaking, patients with PPO plans can submit Dr. Weyrich's bills for reimbursement as an "out of network provider," but the coverage available varies with the particular insurance plan the patient has. Please contact your provider for information regarding coverage of fees from Naturopathic Medical Doctors (NMDs), who are licensed in Arizona as physicians, and for coverage of lab tests ordered and prescriptions written by NMDs licensed in Arizona.

The Federal government does not recognize Naturopathic Medical Doctors. This means that any patient covered by Medicare, Tricare, or other federally sponsored program CANNOT submit for payment by their insurance any fee charged by Dr. Weyrich OR ANY TEST ORDERED BY DR WEYRICH. The situation is less clear regarding prescriptions ordered by Dr. Weyrich and for patients with Medicare supplement plans or AHCCCS. Consult with your insurer - Dr. Weyrich cannot know all the details of insurance plans patients may have. Similar restrictions are likely for all HMO plans and for ObamaCare. Although the details are not yet available, it appears that when fully implemented, in order to fund ObamaCare, extra fees and surcharges will be added to medical services not approved by ObamaCare (e.g. services of Naturopatic Medical Doctors). If you do not like this, please tell your elected representatives and vote accordingly.

Exactly which tests each insurance carrier covers varies greatly and must be evaluated on a case-by-case basis.

Alternatives to Insurance

Patients may be able to gain greater control over the way their health-care dollars are spent by clarifying the meaning of the word "insurance".

Insurance provides security by pooling risk to protect against expensive catastrophic events, such as major illnesses requiring hospitalization.

You need insurance to cover these rare but expensive costs.

While insurance can be a lifesaver in dire situations, its arcane and bureaucratic coverage rules (that are often negotiated between politicians, lobbyists, and the healthcare industry for political purposes) create a significant loss of flexibility when seeking treatments outside the medical model used by the insurance company.

The alternative to relying on insurance to cover all healthcare needs is to select a lower-cost, higher-deductible insurance policy that only covers catastrophic healthcare needs, and then to use the cost-savings to fund some sort of personal healthcare savings account to pay directly for non-catastrophic healthcare needs.

This personal account can be a bank savings account or a special tax-sheltered account such as a Flexible Spending Account or a Healthcare Savings Account.

Consult with your company benefits advisor and your insurance agent to choose the approach that gives you the best blend of security and flexibility for your individual situation.

Beware that various provisions designed to fund ObamaCare may restrict the uses of Flexible Spending Accounts and Health-care Savings accounts. In particular, coverage of nutritional supplements or alternative medical practioners (including Naturopathic Medical Doctors) may be prohibited. Please check with your tax advisor or plan administrator for information on this rapidly evolving area. If you do not like what you hear, tell your elected representatives and vote accordingly.

Flexible Spending Accounts (FSA)

Depending on your employer, you may be able to establish a Flexible Medical Spending Account.

These employer-sponsored payroll deduction plans may have tax benefits, and typically cover any product or service prescribed by a licensed health-care provider.

The down-side of these plans is that any funds not consumed by the end of the year may be forfeited.

Health-care Savings Accounts (HSA)

Another alternative to traditional insurance plans is the Heath Care Savings Account.

The benefit of these plans is that funds do not need to be used before the end of the year, but instead can accumulate from year-to-year in a manner similar to a retirement account.

Depending on the implementation, these plans may also give the patient great flexibility in choosing the treatments they desire.

HSA potentially provide the most flexible and cost-effective health care, but are harder to find. Employers and lawmakers may need prodding to make these accounts as easy to obtain and manage as possible.


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