Our Financial Policy
At Perfect Human Function, just like our services, our financial policies set us apart from mainstream medicine.
Why We Do Not Accept Insurance Assignment
While we fully understand the desire to utilize insurance and the financial challenge out of pocket costs may present, we do not bill patient insurance or provide the Superbills for patients to do so themselves. Here is why:
In general, insurance companies are not focused on preventive or wellness services. They are heavily invested in the conventional model of health care that too often relies on narrow-minded diagnoses with too-broad drug and surgery treatments. For an insurance company to accept a claim, a specific diagnosis code is required along with a procedure code. We are committed to the functional medicine model that addresses the underlying causes of your symptoms with specific nutritional and lifestyle recommendations. We do not attempt to diagnose diseases, a necessity when submitting an insurance claim. The philosophy of Functional Medicine is in direct conflict with the requirements of conventional model health insurance companies.
Additionally, when providers bill health insurance companies directly, they are required to become "participating providers". The doctors must sign a contract that allows the insurance company to determine which services they will and will not provide and how much they can charge for those services. A participating provider must agree to accept the fees the insurance company establishes, regardless of whether the fees are reasonable or applicable to that practice. In general, these established fees cover the actual cost of the briefest (and we believe the lowest quality) care. In today’s healthcare environment, the actual cost for doctors to provide services continues to rise, while the percentage of reasonable fees that insurance payments cover is declining. Unfortunately, we have found that even if these factors were a non issue, we could not be participating providers in the insurance networks and provide the time-intensive, well researched, expert care that we do.
What Our Fees Include
Hopefully you have had the time to review the extensive list of features each of our packages include. Each package has been priced to reflect the total value of the individual services and we believe that value is apparent. What may not be evident is the time and effort put into the analysis and management of each case. Multiple hours are spent evaluating the various elements of each patient's condition and additional hours are needed to create the customized health and lifestyle plan. It is with all this time in mind that we have appropriately priced our packages.
Patients in the traditional medical cycle often complain that their doctor/medical facility doesn’t take appropriate time with them or their case or does little to nothing in the way of truly preventive medicine. We want you to understand that preventive health care takes considerable time and expertise on the part of the doctor and therefor may, but will not always, cost more than a conventional medical office visit.
Why We Sell Nutritional Supplements and How We Price Them
We recommend nutritional supplements as an adjunct to dietary and lifestyle modification. This approach is central to the well-researched and science-based practice of functional medicine. Nutraceuticals can fill in the gaps that even a well-balanced diet may leave. They can also deliver anti-inflammatory or gut nourishing ingredients in a concentration not likely achieved through diet which can expedite and improve clinical outcomes. We sell therapeutic, quality, potent nutritional supplements as a service to our patients. Through in-depth research and comparison, we have chosen to recommend products from only those companies that meet our high standards of quality ingredients, proper manufacturing, bioavailability, and value. These products are generally regarded as "higher-quality" than similarly named products you may find in retail stores.
We price each product at or below the manufacturer's suggested retail price. While we do have a financial interest in the sale of the products we carry, rest assured that only those products that are applicable and significantly beneficial to the patient's individual physiology will be recommended. Patients are never under any obligation to purchase products from Dr. Zitt or Perfect Human Function. Patients may, if they choose, purchase products from other sources. Please be aware that the quality and effectiveness of similarly named products can vary from retailer to retailer and it is the responsibility of the patient to perform the appropriate research to find comparable products. We will not be able to advise on the purchase, use or results of brands other than those we carry.