Yes. We recommend at least a catastrophic or high-deductible policy for major events (ER, surgery, hospitalization). Your membership handles day-to-day and preventive care.

Absolutely. Many members keep their existing insurance-based PCP but use us for hormones, weight, fatigue, gut, and easier access.

We do not bill insurance for our membership. That’s how we keep care simple, direct, and affordable. You may be able to use HSA/FSA funds (always check with your plan).

At Optimal T Functional Health biannual labs are included included in membership along with discounted cash pricing on imaging when ordered through us. Many patients find this cheaper than using insurance.

Yes. We don’t believe in locking people into care they don’t want. You can cancel with 30 days’ notice.