To support you in achieving optimal health, a financial investment will be necessary. Unfortunately, standard insurance policies only cover western conventional symptomatic protocols, which we refer to as “Sick Care.” Insurance companies do not cover any non-conventional root cause, alternative care protocols, including those in the categories of alternative care, holistic, or functional medicine.
Most functional medicine practices, including True Wellness Today, strive to assist you with high deductible health plans, often referred to as HSAs (Health Spending Accounts), provided your provider accepts our clinic. In many cases, depending on your available funds, this can significantly reduce out-of-pocket expenses.
If you lack an HSA, personal financial means, or have good to excellent credit at this time but need to start your healing program, various options are available to help cover out-of-pocket expenses. Some of these options include:
- Personal loan: Consider obtaining a personal loan from a financial institution to cover your medical expenses. Personal loans typically have fixed interest rates and repayment terms.
- Credit cards: Using a credit card can be an option for financing medical expenses. However, it’s crucial to carefully review the terms and conditions, interest rates, and repayment options before using a credit card for healthcare financing. We collaborate with Advance Care Credit, which offers a 15-month 0% interest rate upon credit approval.
- HELOC (Home Equity Line of Credit): If you own a home, you may consider using a HELOC to finance your medical expenses. HELOCs use your home as collateral, providing a line of credit that you can draw from as needed. Despite sounding unconventional, this is a great way to save money on high-interest rates and only add a few dollars a month to your mortgage payment.
It’s essential to assess your financial situation carefully and consider the terms, interest rates, and repayment options of any financing option before making a decision.