About Insurance

Do you take health insurance?

Carolina Total Wellness operates as a self-pay clinic. Our office does not bill your insurance directly, but we will provide you with a coded receipt for services, which you may submit for reimbursement to your insurance carrier. Dr. Denny, Dr. Meredith and Dr. Miraloglu are out-of-network providers for all private insurance plans and do not participate with Medicare. The amount of reimbursement you receive depends on your insurance plan's reimbursement policy for out-of-network providers, your deductibles, copays and co-insurance. You may wish to check with your insurance plan regarding out-of-network coverage of services prior to your visit with us.

We will request your insurance information for ordering labs in your initial Registration Questionnaire.

Services associated with our clinic including physician visits, counseling, supplements and laboratory testing can be submitted under your health savings account (HSA) or Healthcare Reimbursement Account (HRA).

Why do you not accept/bill insurance?

We strongly believe in the medical care that we provide, and we strive to deliver high quality care to as many people as possible. We understand the financial challenge that our not filing insurance may present for some patients. Reimbursement rules from health insurance companies can be confusing for both doctors and patients. Our rationale for not accepting insurance reimbursement is outlined below. If after reading this you still have questions please feel free to call and speak with our staff.

The current system of mainstream medical care does not meet the health care needs of many patients. There are many reasons for this, including the policies set forth by health insurance companies. When doctors agree to participate with insurance companies, including Medicare and Medicaid, they must sign a contract that allows the insurance company to determine which services they will and will not provide and how much they can charge for those services. A doctor must agree to these fees regardless of whether they are applicable or reasonable. In general, insurance companies reimburse for procedures, drugs and surgeries with little reimbursement allowed for physical examination, detailed medical history review and preventative medicine counseling. Most general medicine doctors and clinics cope with this flawed reimbursement scheme by keeping their office visits very brief so that they can see many patients in a given day. The average primary care provider sees between 20 and 30 patients a day and spends 1 to 2 hours a day completing additional paperwork to obtain reimbursement for services rendered. Unfortunately, many physicians still struggle to cover expenses, given the deeply discounted reimbursement allowed by insurance companies for primary care services. As a result, primary care providers must often merge with large practices or hospitals that offer high-tech surgical and diagnostic procedures with their higher reimbursement rates simply to stay afloat.

Many patients and doctors are frustrated with the extremely brief office visits that are the current norm for mainstream medicine. We have found that we cannot participate with insurance networks, including Medicare and Medicaid, and still provide expert, well-researched, time-intensive medical care for our patients.