No, we are a cash-based practice and do not bill insurance directly. The current insurance model often limits the time a doctor can spend with a patient and restricts which diagnostic tests can be ordered. By operating outside of this system, we can dedicate significantly more time to your care, run comprehensive diagnostics that insurance might deny, and create a treatment plan based on your best interests, not reimbursement rates.

No. Mountain MD has “opted out” of Medicare. This means that Medicare patients are welcome to see Dr. Metcalfe, but they must sign a private contract agreeing to pay out-of-pocket for all services.
Important Note: Because of federal regulations, neither you nor our office can submit a claim to Medicare for reimbursement. These costs will not apply toward your Medicare deductible, and Medigap/supplemental plans will not cover them. However, you can still use your Medicare benefits for prescriptions, labs, and imaging orders we send to outside facilities.

Yes. While our professional fees for office visits are paid directly by you, we can order blood work, X-rays, MRIs, and other imaging studies through facilities that accept your insurance (such as Quest, LabCorp, or Vail Health). In these cases, the facility will bill your insurance directly, just as if the order came from a traditional primary care doctor. (Note: Some specialized functional medicine tests may not be covered by insurance; we will always discuss costs with you beforehand.)

A superbill is a detailed medical receipt containing the diagnosis and procedure codes required by insurance companies. If your insurance plan includes out-of-network benefits, you can submit this superbill to request reimbursement.

• How it works: You pay for your visit at the time of service, we provide the superbill, and you submit it to your insurer. Reimbursement rates depend on your specific plan’s deductible and out-of-network coverage.

• Note for Medicare Patients: Federal laws prevent us from providing superbills for Medicare reimbursement. You cannot submit our visits to Medicare.

Yes. You can typically use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for medical consultations, lab fees, and prescribed supplements. We recommend checking with your specific plan administrator to confirm eligibility.

Payment is due at the time of service. Our preferred payment methods are check, cash, Zelle or Venmo. We also accept major credit cards with a 3% processing fee.