What Does This Mean For You?
It means your choices are limited. You can only see certain providers, at certain times, under specific conditions—and sometimes only after your insurance company approves them.
Why Concierge Medicine Often Works Better
In the traditional insurance model, physicians are required to see a high number of patients each day—leaving little time for meaningful, individualized care. Appointments can feel rushed, impersonal and scheduling follow-ups may mean waiting weeks or even months to be seen again.
At Kemper Cognitive Wellness, our concierge model removes those barriers. Because we work directly with our patients instead of insurance companies, our physicians can spend more time with you, listening, learning your story, and understanding your cognitive and overall health goals. This approach allows for more thoughtful conversations, timely appointments and a collaborative plan designed specifically for you. The result is a deeper connection, better communication, improved results and care that moves at your pace, not the system’s.
Using Out of Network Benefits
Some insurance plans offer out-of-network reimbursement, meaning they may reimburse you for care received outside their contracted network.
At Kemper Cognitive Wellness, we can provide superbills (detailed receipts with the appropriate medical codes) that you can submit to your insurance provider for possible reimbursement for services such as physician time, lab work or diagnostic testing.
While reimbursement isn’t guaranteed, many clients find it worthwhile to submit claims. Keep in mind that out-of-network deductibles and reimbursement rates vary by plan, so it’s a good idea to check with your insurance provider in advance.
Using HSA/FSA/HRA Accounts for Concierge Care
If you have a Health Savings Account (HSA), Flexible Spending Account (FSA), or Health Reimbursement Arrangement (HRA), you may be able to use these pre-tax dollars for your personalized care.
In most cases, doctor visits, lab work, and certain diagnostic tests qualify for HSA, FSA or HRA spending. Supplements, cognitive testing and specialty lab panels may also be eligible depending on your plan.
We encourage you to confirm details with your plan administrator but many of our clients successfully use HSA, FSA or HRA funds to pay for their care at Kemper Cognitive Wellness.
Paying For Concierge Care at Kemper Cognitive Wellness
At Kemper Cognitive Wellness, transparency is at the heart of our model. Our concierge programs are designed to simplify your experience, giving you access to your care team without the barriers of traditional insurance.
Your investment in yourself supports:
- Extended, quality appointments with physician and care team
- Comprehensive cognitive assessments
- Personalized lifestyle, nutrition and brain health programs
- Direct communication with your care team between visits – no AI chatbot to attempt to answer questions!
- Coordination of outside testing and specialty referrals
- Easy and timely appointment scheduling
Superbills can be provided for possible out-of-network reimbursement, and HSA/FSA/HRA payments are accepted.
The Truth of the Matter
Insurance remains an essential part of your personal finances, but it shouldn’t define the quality of care you receive. Concierge personalized medicine allows your care team to focus on what matters most: YOU.
At Kemper Cognitive Wellness, we believe exceptional, personalized care should also be accessible. Our concierge model offers several flexible payment options designed to fit your needs and budget. Whether you’re beginning your wellness journey or continuing ongoing support, our team can walk you through available plans, including monthly programs and options for using HSA, FSA or HRA funds.
Until the insurance system evolves to better support prevention and personalization, practices like Kemper Cognitive Wellness are here to bridge the gap offering an elevated, patient-first model designed to help you live well, think clearly, and stay independent.
Ready to Experience a More Personalized Path to Better Health?
We’re happy to answer your questions and help you find the right fit for your goals and circumstances. Call us today at 216-337-1400 to discuss payment plan options and discover how concierge, personalized medicine can work for you—so you can focus on your health, not the hassle of navigating insurance.
