Why We Don't Accept Insurance
A Self-Pay Model for Better Preventive, Personalized Care
At Soluna Vitality, our mission is to help you feel energized, balanced, and healthy for as long as possible.
This type of care focuses on metabolic health, hormone balance, and prevention. It requires time, personalized attention, and the ability to act early instead of waiting for a disease diagnosis. Insurance companies limit what care should look like, which prevents the preventive and metabolic support our model provides.
Many people assume we avoid insurance by preference. The truth is that the traditional insurance system does not support preventive health, longevity medicine, or personalized hormone treatment. Our self-pay model allows us to provide the level of care you deserve.
The Importance of Metabolic Health and Preventive Hormone Care
Metabolic health influences nearly every part of your wellbeing. It affects energy, weight, mood, hormone stability, cardiovascular function, inflammation, cognitive performance, and long-term disease risk. When your metabolism is functioning well, your body uses fuel efficiently, maintains stable hormones, supports restorative sleep, and protects muscle and bone.
For many people, metabolic decline happens gradually. Blood sugar begins to fluctuate, inflammation rises, hormones shift, recovery slows, and fatigue becomes common. These early changes rarely show up as disease-level lab results, which means insurance-based care often overlooks them until much later.
At Soluna Vitality, we focus on identifying metabolic and hormonal changes early so you can stay energetic, resilient, and healthy for the long term. This preventive, proactive approach does not fit within the restrictions of the insurance model.
Why Compounded Bioidentical Hormone Therapy Is Not Covered by Insurance
Compounded bioidentical hormones are created specifically for your body and your needs. They allow precise dosing, flexible combinations, and delivery methods that commercial manufacturers do not produce.
Insurance companies do not cover compounded bioidentical hormone therapy because:
- Custom medications do not fit standardized pricing
- They do not carry insurance billing codes
- Each prescription is individually created rather than mass-produced
- Insurance companies prefer cheaper synthetic options
Even though compounded hormones often provide better tolerability and more natural metabolic responses, insurers still classify them as non-covered.
Why Retail Pharmacies Rarely Offer True Bioidentical Hormones
Retail pharmacies primarily stock synthetic or partially bioidentical hormones in limited doses and delivery methods. These products exist because they fit insurance billing structures, not because they offer the most personalized or effective treatment.
True bioidentical hormone therapy often requires:
- Custom doses
- Combination formulations
- Gradual titration
- Delivery forms not available commercially
Retail pharmacies cannot provide these options because they rely on mass production. Soluna Vitality partners with trusted compounding pharmacies that focus on quality and precision.
Normal Lab Ranges vs. Optimal Metabolic and Hormone Health
Standard lab reference ranges are based on population averages. These ranges do not tell us whether your hormones, metabolism, or energy levels are ideal. A value can be considered "normal" while still contributing to:
Insurance companies base coverage on these statistical ranges rather than on how you feel or on early signs of decline. At Soluna Vitality, we focus on optimal levels that support long-term metabolic and hormone health.
How Insurance Plans Treat Disease but Not Prevention
Insurance companies only cover treatment when lab results meet specific diagnostic criteria. You must cross into a disease range before they consider therapy medically necessary.
They commonly:
- Deny treatment unless values fall into disease categories
- Restrict hormone therapy to narrow situations
- Limit metabolic or advanced testing
- Label preventive or optimization-based therapies as non-covered
This approach encourages waiting until symptoms worsen instead of supporting prevention and early intervention.
Early Treatment for Hormone and Metabolic Health Protects Long-Term Wellness
Hormones and metabolic markers often decline slowly. People commonly experience symptoms long before their lab values fall outside the reference range.
Early support can:
- Protect muscle and metabolic function
- Improve sleep
- Support cardiovascular health
- Maintain cognitive clarity
Waiting for a disease-level result may satisfy an insurance rule but does not protect long-term health. Our goal is to intervene early, when your body is most responsive.
The Limits of Traditional Insurance-Based Medical Care
Most clinicians work within an insurance-driven environment that limits appointment time, restricts testing, and dictates narrow treatment pathways. This setup makes it difficult to evaluate hormonal shifts, metabolic changes, and complex symptoms.
The Common Insurance Care Cycle
- One clinician orders basic labs and recommends general lifestyle changes
- Another focuses on only one system or one set of lab values
- No one connects the symptoms to the full picture
- The patient continues to feel unwell and without answers
Hormone and metabolic issues do not fit neatly into isolated categories. They require comprehensive evaluation and time.
Our Whole-Person Approach
At Soluna Vitality, we look at hormones, metabolism, inflammation, nutrient status, sleep patterns, and symptoms as one unified system.
This approach allows us to:
- Identify imbalances early
- Connect symptoms to underlying physiology
- Personalize treatment for your biology
- Adjust therapies safely and gradually
- Offer ongoing education and support
You do not move from one specialist to another. You work with a partner who understands your health as a whole.
Why Soluna Vitality Uses a Self-Pay Model Instead of Insurance
Our self-pay model allows us to:
- Spend meaningful time understanding your symptoms and goals
- Order comprehensive hormone and metabolic testing without restrictions
- Use the most effective bioidentical hormone therapies
- Personalize treatment rather than follow insurance coding rules
- Offer transparent, predictable pricing
- Focus on prevention, longevity, and quality of life
Insurance pays for illness. Soluna Vitality invests in keeping you healthy.
Take a Proactive Approach to Your Metabolic and Hormone Health
Our goal is to help you understand your hormones, your metabolism, and your overall health so you can feel your best today and protect your wellness for the future.
If you are ready for proactive, informed, and personalized care, we are here to guide you.
Schedule a Consultation