For Patients
Insurance & Financing
What to know about costs, insurance, and financing. Progressive Medical Center is out-of-network for all insurance providers, a deliberate choice that keeps every fee, coverage detail, and financing option transparent.
A Direct-Care Model
Why We Work Outside Insurance Networks
Insurance networks impose restrictions that do not fit how we practice. Visit length is dictated by billing codes. Diagnostic testing is restricted to what the insurer will pay for. Treatment options are narrowed to a covered formulary. For complex and chronic conditions, those restrictions are exactly the reason patients walk out of conventional medicine frustrated in the first place.
Working outside insurance networks is a deliberate choice, not a limitation. It lets our physicians spend the time your case requires, order comprehensive diagnostics without restriction, and build treatment plans around what your body actually needs. Over 80% of our patients come to us after other providers have been unable to help them. The flexibility of the direct-care model is a meaningful part of why we can do that work.
No insurance bureaucracy, no pre-authorization delays, no denied claims, no treatment decisions driven by a billing code.
Consultation Fees
What Your First Visit Costs
Comprehensive evaluation with your physician. Includes full health history review, physical exam, Body Composition Analysis (BIA), Styku 3D Body Scan, and a personalized diagnostic and treatment plan discussion. Runs approximately 90 minutes with 45 to 60 minutes of direct physician time.
Extended to give your physician additional time to review complex medical histories, prior treatments, and to begin building a comprehensive integrative treatment strategy alongside any conventional care you are receiving.
Insurance Reimbursement
What Your Insurance May Still Cover
Out-of-network does not mean your insurance covers nothing. Many of the diagnostic lab tests we order may qualify for partial reimbursement through your insurance plan. This is the most insurance-positive fact we have, and it is worth checking before your first visit.
Three things your insurance may cover
- Third-Party Laboratory Testing. Progressive Medical Center orders blood work, hormone panels, thyroid panels, comprehensive metabolic panels, and specialty diagnostics through third-party labs. These labs often bill your insurance directly, which means some or all of your testing may be covered depending on your out-of-network benefits. Your physician and the financial team can flag which tests are most likely to qualify.
- Some Procedures and Diagnostics. Certain procedures and diagnostic work may also qualify for out-of-network reimbursement once you submit a superbill. Amounts vary by plan.
- HSA and FSA Accounts. Health Savings Accounts and Flexible Spending Accounts can be used for consultations, diagnostic testing, and treatments. Many patients do not realize this is an option; it is.
Before your first visit, it is worth a 5-minute call to your insurance company to ask what percentage of out-of-network charges they reimburse and what your out-of-network deductible is. Our billing team can walk you through the question to ask.
Filing for Reimbursement
A Step-by-Step Guide
We provide everything you need to file for out-of-network reimbursement. The process takes most patients about 15 minutes after each visit. The billing team is available if you get stuck.
We Provide Your Superbill
After each visit, you receive an itemized superbill with every diagnostic code, procedure code, provider identifier, and charge your insurance needs to process the claim. This is the single document required for filing.
You Submit to Your Insurance Company
Most insurers accept out-of-network claims through their online patient portal or by mail. Choose whichever is easier for you.
Your Insurance Processes the Claim
Turnaround times vary by insurer and plan. Most plans process out-of-network claims within 30 to 60 days. Reimbursement is sent directly to you as the patient.
Track Your Out-of-Network Deductible
Reimbursement kicks in after your out-of-network deductible is met, which means multiple visits typically build toward larger reimbursements. Keep every superbill for your records.
Financing Options
Spread Payments Over Time
Financing lets you spread consultation fees, diagnostic packages, and treatment costs across monthly payments rather than paying in full upfront. Both options below can be discussed with our financial team before your first visit. There is no obligation to apply.
You can decide how much you would like to pay monthly or how long you would like the repayment period to run. Our financial advisors walk through the options with you, explain the fine print, and help you pick the fit that works best for your situation.
Your Dedicated Team
Meet Mary Leach, Senior Financial Advisor
Our financial team is led by Mary Leach, Senior Financial Advisor. Mary has been with Progressive Medical Center for more than 20 years. Before that, she spent 15 years in the medical insurance industry. She knows both sides of the equation: how integrative medicine is priced, and how insurance companies process out-of-network claims.
No surprises. Every cost is reviewed with you before treatment begins.
Mary Leach
What the financial team does
- Reviews every cost with you before diagnostic testing or treatment begins.
- Helps you understand your insurance plan's out-of-network benefits and deductible before your first visit.
- Walks you through Cherry Financing and CareCredit applications.
- Explains your superbill and supports you through the filing process.
- Answers billing questions at any point in your care.
The financial team is not a billing department. They are patient advocates. Their job is to help you make an informed decision about your healthcare investment before anything is scheduled.
Payment Methods
How You Can Pay
Accepted Payment Methods
- All major credit and debit cards (Visa, Mastercard, American Express, Discover).
- Cash and checks.
- HSA and FSA cards.
- Cherry Financing.
- CareCredit.
Payment is collected at the time of service.
Pay a Bill Online
Existing patients can pay outstanding balances online through our patient portal.
Common Questions
Common Questions About Cost and Insurance
Does Progressive Medical Center accept insurance?
Progressive Medical Center is out-of-network for all insurance providers. This means we do not bill your insurance directly. However, many of the diagnostic lab tests we order may qualify for out-of-network reimbursement through your insurance plan. We provide detailed, itemized superbills after each visit so you can file for reimbursement, and our financial team helps you navigate the process.
How much does a consultation cost?
Initial consultations are $250 for standard cases and $450 for cancer and complex-case consultations. The standard fee includes your full physician consultation, physical exam, Body Composition Analysis, Styku 3D Body Scan, and a personalized diagnostic and treatment plan discussion. Follow-up visits, diagnostic testing, and treatment costs vary based on your individualized plan; your financial advisor reviews every cost with you before anything is scheduled.
Can I use my HSA or FSA?
Yes. Health Savings Accounts and Flexible Spending Accounts can be used for consultations, diagnostic testing, and treatments at Progressive Medical Center. HSA and FSA cards are accepted at the time of service.
What financing options do you offer?
We offer Cherry Financing and CareCredit. Both allow you to spread payments over time with flexible monthly options. Cherry Financing replaces the previous Affirm program. Checking your Cherry eligibility does not impact your credit score. Our financial team walks through both options with you before your appointment.
Will I know the cost before treatment begins?
Yes. Progressive Medical Center provides full cost transparency before any diagnostic testing or treatment is performed. Your physician outlines the recommended plan, and your financial advisor reviews every associated cost with you. You approve every treatment decision and every financial commitment before it happens.
How do I file for insurance reimbursement?
After each visit, we provide an itemized superbill with every diagnostic code, procedure code, and provider identifier your insurance company needs to process the claim. Submit the superbill through your insurance company's online portal or by mail. Most plans process out-of-network claims within 30 to 60 days and send reimbursement directly to you. The billing team at Progressive Medical Center can walk you through the process.
Questions About Cost? We Are Happy to Help.
Call us before your first visit and our financial team will walk you through pricing, insurance reimbursement, HSA and FSA usage, and financing options. Your first conversation is about understanding your options, not committing to anything.