EWHW Transition to Direct -Pay Model
As of Feruary 1, 2026, we are transitioning to a Direct Care (Direct Pay) model to provide better, more personalized women’s health care without the restrictions and limitations of insurance.
In a traditional insurance system, visits must be short, care is rushed, and many of the services women truly need—such as hormone education, perimenopause support, nutrition guidance, lifestyle counseling, and thorough follow-up—are not reimbursed.
Direct Care allows us to spend more time with you, offer longer appointments, provide clearer communication, and deliver comprehensive, whole-person care without insurance dictating what we can and cannot do.
This model also eliminates surprise bills and confusing coverage decisions. Our pricing is transparent, simple, and listed upfront. You may still use HSA/FSA funds, and we can provide receipts for out-of-network reimbursement, but we no longer bill insurance directly.
To fit the needs of our rural community, we offer multiple options: memberships for ongoing support, structured care packages for specific concerns, and fee-for-service visits for those who prefer to pay per appointment.
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Direct Care allows us to remain independent, stay rooted in our community, and continue offering high-quality women’s health services locally. Most importantly, it lets us focus fully on you—your health, your goals, and the time and attention you deserve. If you have any questions about how this change affects your care, we are always here to help.
Understanding Direct-Pay Model
EWHW Direct-Pay Financial Policy
Thank you for choosing Empowered Women's Health & Wellness. We believe in transparent, simplified care without surprise bills.
1. We do not bill insurance for visits.
All visits must be paid at the time of service.
2. You may use insurance for labs, imaging, and medications.
These services are billed by outside facilities. You are responsible for providing your insurance information to them.
3. Payment is due at the time of service.
We accept credit/debit/HSA/FSA.
4. No refunds.
Because time and clinical expertise cannot be returned, all fees are non-refundable.
5. Packages, Programs or Memberships are optional.
Patients may choose fee-for-service, a program, a package or a membership—whatever fits their needs.
6. Messaging Access
Messaging is available only within programs or memberships.
7. Package, Program & Membership Policies
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Non-transferable
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Non-refundable
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Must be used within the program timeframe
FAQs About Direct-Pay
Do you take insurance?
We are a direct-pay practice and do not bill insurance for visits. You can use insurance for labs, imaging, and prescriptions.
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Can I still use my FSA or HSA?
Yes. All visits and programs can be paid with FSA/HSA funds.
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Why don’t you bill insurance?
Insurance-based care limits time, restricts services, and adds significant overhead. Direct-pay allows longer visits, transparent pricing, and individualized care.
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Do I need a membership to be seen?
No. You can choose pay-per-visit or enroll in a program if you prefer.
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What’s the difference between a program and a membership?
Programs are short-term and goal-based.
Memberships provide ongoing care and communication.
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Are labs and imaging included?
No, but you may use your insurance or cash-pay options.
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Can I cancel a membership?
You may cancel anytime with 30 days' notice. Past charges are non-refundable.