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Financial Policies and Insurance Accepted by Holistic Medicine Doctors in Carmel, IN

Health and Wellness of Carmel accepts most insurance plans and Functional Fee, a non-insured service fee. Learn more below.

Health and Wellness Insurance Accepted and Functional Medicine Fee in Carmel, IN

A Notice Regarding Insurance Claims

The staff at Health and Wellness of Carmel is happy to file your insurance claims for services provided by Dr. Fetters, Dr. Thomas, and Amanda Patchett, FNP-C on behalf of Health and Wellness of Carmel. We currently accept most insurance plans. Please note, we do not accept Medicaid. For your convenience, we also file secondary insurance claims and Medicare supplement claims.

Health and Wellness of Carmel is not a traditional doctors’ office. We are a physicians’ office that specializes in holistic and functional care. This specialization routinely includes services, procedures, and products that are not covered by insurance plans.

Insurance companies consider these various components alternative or complementary medicine and, as such, do not provide benefits. Many times, this determination is made by their Medical Director and typically does not vary across companies. Thus, it is very important you call your insurance company and understand the benefits provided.

We try very hard to file every claim with your insurance company as directed in our contract with them. It is mandated we utilize certain codes and nomenclature when billing them.  However, the American Medical Association provides the Current Procedural Terminology (CPT) codes for our use. There is no CPT code for many of the different holistic and functional medicine procedures we utilize. Therefore, when we attempt to file your claim through the electronic clearing houses most insurance companies use, our claims are rejected by the system due to lack of the proper codes. Again, as there are no codes established, it is impossible to receive payment for services rendered but we do make that attempt on your behalf. It is paramount you understand what benefits your insurance company provides for you as you will be responsible for this fee. We are permitted by our agreement with most insurance plans to bill the beneficiary of the plan for any non-covered services.

We will file a claim with your insurance for every service and product that is covered by your plan. However, our care for you includes several services and products that are not covered by your insurance. We will not prepare a claim for your insurance company and will not file a claim with your insurance company for these non-covered services and products. The non-covered services and products are the financial responsibility of the patient and payment is anticipated at the time of service.

Services, procedures and products not covered by insurance include but are not limited to:

  • Physician Grade Supplements
  • Specialty Lab Testing and Procedures (i.e. Heavy Metal Testing, Bio101, IV Therapy… etc.)
  • Holistic Functional Assessments (Functional Fee)

We also have an independent phlebotomy lab on-site for patient convenience. This lab is not affiliated with Health and Wellness of Carmel and remains independent. Insurance claims and patient billing are conducted by LabCorp. Patients will receive billing directly from LabCorp. and not from Health and Wellness of Carmel.


What is the Functional Fee?
Many of our services and products are not covered by insurance companies.  The cost of these services and products are to be paid by the patient at the time of service.  The Functional Fee is dependent upon the provider, the appointment duration, and the diagnosis.  This is a non-covered service for all insurance companies which we contract with and will be billed to the patient.

Functional Fee
The Functional Fee is used to cover the extra time and effort to determine the root cause of symptoms and diseases, which will provide an effective treatment plan.

To find the root cause a number of components including what is considered holistic medicine; analysis of various natural supplements, vitamins and dietary products, an extensive review of diagnostic tests such as the Bio 101 or, Flow Systems Analysis, naturopathy, applied kinesiology, and orthomolecular therapy may be used.

Flow Systems Analysis

The Flow Systems Analysis medical device is used to evaluate the biological terrain of a human being. It measures the internal environment of the body giving the practitioner valuable information on balance and overall health. We know that the cells of our body thrive in an ideal environment and deteriorate in a hostile environment. The most important parameters that regulate cell health are measured by the Bio 101.  This dynamic form of physiological biofeedback helps uncover the underlying cause or causes of a patient’s imbalance or illness, rather than treating a list of “symptoms”.


Naturopathy, or naturopathic medicine, is a system of medicine based on the healing power of nature. Naturopathy is a holistic system, meaning that naturopathic doctors (N.D.s) or naturopathic medical doctors (N.M.D.s) strive to find the cause of disease by understanding the body, mind, and spirit of the person. We use a variety of therapies and techniques (such as nutrition, behavior change, herbal medicine, and homeopathy).

These are two areas of focus in naturopathy: one is supporting the body’s own healing abilities, and the other is empowering people to make lifestyle changes necessary for the best possible health.  While we treat short bouts of illness and chronic conditions, our emphasis is on preventing disease and educating patients.

Applied Kinesiology

Applied kinesiology is a system using muscle testing as a functional neurological evaluation. The methodology is concerned, primarily, with neuromuscular function as it relates to the structural, chemical and mental physiologic regulatory mechanisms.

Orthomolecular Medicine

Orthomolecular medicine, as conceptualized by double-Nobel laureate Linus Pauling, aims to restore the optimum environment of the body by correcting imbalances or deficiencies based on individual biochemistry, using substances natural to the body such as vitamins, minerals, amino acids, trace elements and fatty acids.

Functional services are an integral part of your health care here at Health & Wellness of Carmel. It truly is what sets your care apart from conventional medicine and why functional medicine succeeds where others fail.

We hope this information is useful and helps you to understand the insurance benefits as they relate to our specialization. If you have any other questions about insurance claims and the functional fee, please feel free to contact us.