We believe patients should understand costs upfront, without surprises. Below is how payment and insurance typically work at Rochester Medical Weight Loss.
Rochester Medical Weight Loss is a private pay practice. That means program fees are paid directly rather than billed through insurance.
Private pay practice
Rochester Medical Weight Loss does not bill insurance directly for program fees.
HSA / FSA accepted
We accept HSA and FSA accounts for program fees and meal replacements. Restrictions may apply based on your plan and administrator.
Payment arrangements
All patients are private pay for appointments and meal replacements when used. If payment arrangements are needed, our office can discuss options based on your individual needs.
Insurance + Reimbursement
Submitting services to insurance
Some patients may choose to submit our services to their insurance for potential reimbursement. Upon request, we can provide a superbill, which is an itemized statement that may be submitted to your insurer.
Any reimbursement is dependent entirely on your specific insurance plan and benefits.
Labs + Medication Costs
What may be billed separately
Testing and medication coverage can vary by insurance plan, deductible, medical necessity, and pharmacy benefits.
Lab work and testing
Your initial program evaluation may include medical testing such as lab work and, when appropriate, an EKG. Lab billing is typically handled by the lab and may be processed through your insurance plan.
Coverage varies, so you may still have copays or out-of-pocket costs depending on your benefits.
Medication costs
Medication costs and coverage vary widely. If medication is appropriate for your plan, we will review:
Options that fit your medical history and goals
Your insurance coverage, when applicable
Realistic out-of-pocket expectations
Can obesity treatment be tax-deductible?
Some obesity-related treatment costs may be eligible as medical expenses depending on your tax situation. We recommend speaking with your tax advisor to determine what is applicable to you.
Most Common Questions
Financial & insurance FAQs
These answers are meant to help you understand the usual process before your consultation.
What does “private pay” mean?
Private pay means you pay for the program directly rather than through insurance billing. Some patients may be able to submit a superbill to their insurance for possible reimbursement.
What is a superbill?
A superbill is an itemized statement of services that you can submit to your insurance company for possible reimbursement.
Will my insurance cover labs?
Lab work is often covered through insurance, but this depends on your specific plan and deductible. We recommend contacting your insurance provider to confirm coverage.
Do you take HSA/FSA?
Yes. HSA/FSA is accepted for program fees and meal replacements. Restrictions may apply based on your plan and administrator.
Will my insurance cover weight loss medications?
Coverage for weight loss medications varies widely. Many insurance plans have strict requirements, such as BMI criteria and documented participation in a medical weight loss program. We will review your options and help you understand what may be realistic based on your plan. We also recommend checking directly with your insurance provider regarding coverage and specific requirements.
How do I get exact pricing?
The best next step is a complimentary consultation. We will recommend the best-fit plan and explain expected costs clearly.
Ready to take the first step?
Let’s talk through the right plan and expected costs.
The best way to understand pricing is to start with a complimentary consultation, then choose the support that fits your medical needs and lifestyle.
