We believe access to excellent healthcare is a basic human right.
We do not believe that insurance coverage should dictate care
or prevent anyone from being their best healthy self.
We will work with you to provide what you need. Please do not hesitate to contact us
if you do not have insurance as we have options available.
To be honest, our experience with insurance companies has been nothing short of frustrating. Every insurer has its own process, and we’ve faced roadblock after roadblock that seem designed to make things as difficult as possible. While we are moving as quickly as we can, the reality is that we are often at the mercy of their timelines and rules.
That said, we aren’t giving up. We are committed to pushing forward until we’re accepted into as many networks as possible, because we believe you deserve access to care without unnecessary barriers.
Health insurance is unnecessarily (and purposefully) complicated, so it is no wonder people don’t understand how it works. It is the only American industry that can legally take customers money and decide they won’t provide a product or service in return, or at least, do it only on THEIR terms.
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The basic idea is that health insurance helps Americans pay for medical care — like doctor visits, prescriptions, surgeries, or hospital stays. Instead of paying the full cost every time a patient sees a medical provider, patients with insurance pay a monthly fee (called a PREMIUM) to an insurance company. In return, the insurance company agrees to cover part (or most) of the medical bills. Patients share the cost - having to also pay a DEDUCTIBLE (the amount the patient must pay before insurance will pay anything), a COPAY (a fixed amount per visit), and COINSURANCE (a percentage of the bill the patient is responsible for after meeting the deductible). Some insurance companies have an OUT-OF-POCKET maximum which caps how much the patient can be charged in a year and then insurance covers the rest.
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An insurance company creates a network of providers who agree to charge a designated amount for services.
If a patient goes to a provider in-network, the insurance company will pay most or all of the bill.
If a patient goes to a provider out-of-network, the insurance company will decide how much of the bill they are willing to pay (which could be nothing), and then the patient is responsible for the balance.
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We are actively working to join every major insurance network. Unfortunately, the process is not simple — insurance companies control the timeline and often make it challenging for independent practices like ours.
Your voice can truly make a difference. When you call your insurance company and ask them to add Form and Function Healthcare and Jennifer Bell, APRN-CNP to their network, it carries much more weight than when we make the same request.
We’ll continue updating this page as we receive confirmations from each insurer, and we are grateful for your support as we work to expand access.
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At your first appointment, we will bill your insurance company as an out-of-network provider. Insurance companies may choose to cover the full billed amount, cover a portion, or deny the claim entirely.
If they pay the full amount, wonderful. If they pay at least $100 toward the visit, we will consider your balance paid in full. If they pay less than $100 or nothing at all, you will be responsible for the remaining balance, up to $100.
We are actively pursuing contracts with all major insurance companies and hope to be accepted as in-network soon. Your voice helps—contacting your insurance company to request that Form and Function Healthcare be added to their network can make a real difference.
You also have the option of paying the bill in full and submitting a “SUPERBILL” to your insurance company for reimbursement.
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Sometimes our clinic may be “out-of-network” with your insurance company. In that case, we can give you a superbill—a special receipt that lists the details of your visit in the exact format insurance companies require.
How it works:
You pay us at the time of your visit.
We give you a superbill with all the right medical and insurance codes.
You send the superbill to your insurance company (through their app, website, or by mail).
Your insurance may reimburse you directly, depending on your out-of-network benefits.
Important things to know:
Reimbursement is not guaranteed. It depends on your specific insurance plan.
If your plan does cover out-of-network visits, the payment will usually come straight to you.
We’re always happy to provide the superbill, but you handle the submission to your insurance company.
If we are not yet “in-network” with your insurance provider,
we can still bill them “out-of-network” for the first visit and continue our attempts to contract with them for future visits.
√ Ohio Medicaid
We are proud to accept all State of Ohio Traditional Medicaid plans.
√ Ohio Medicare
Jenny is an enrolled Medicare provider; however, our application for Form and Function Healthcare to be recognized as a Medicare group is still pending. The initial application was delayed due to additional documentation requirements, and we are working closely with Medicare to provide the requested information. We fully expect approval once these administrative steps are completed.
√ AmBetter from Buckeye
X Aetna
We asked Aetna to be in network, and they denied us stating that they have “too many primary care nurse practitioners.” We recently re-applied on 9/9/2025, and we were denied again.
If you have Aetna, we will bill Aetna as an out-of-network provider. They may choose to cover the full billed amount, cover a portion, or deny the claim entirely.
If they pay the full amount, wonderful. If they pay at least $100 toward the visit, we will consider your balance paid in full. If they pay less than $100 or nothing at all, you will be responsible for the remaining balance, up to $100.
You also have the option of paying the bill in full and submitting a “SUPERBILL” to your insurance company for reimbursement.
√ Anthem Blue Cross and Blue Shield (“Anthem”)
We have been accepted by their TRADITIONAL product as well as the following managed care plans (Medicaid):
Blue Access
Blue Access OH I (Tier I Provider)
Blue Access OH II (Tier I Provider)
Blue Preferred
Pathway Tiered Hospital Pathway X Tiered Hospital (Exchange PPO)
Pathway Group
Medicare Advantage HMO and PPO
√ Buckeye Health Plan
√ Caresource
√ Medical Mutual
√ Molina
X OSCAR
We were hoping to contract with OSCAR as we know very few provider take this insurance. We applied and received an immediate “NO.” They stated, “Due to contracting restriction in your area, we are unable to pursue a direct agreement with your practice at this time.” See a screenshot of their email here.
If you have OSCAR, we will bill them as an out-of-network provider. OSCAR may choose to cover the full billed amount, cover a portion, or deny the claim entirely.
If they pay the full amount, wonderful. If they pay at least $100 toward the visit, we will consider your balance paid in full. If they pay less than $100 or nothing at all, you will be responsible for the remaining balance, up to $100.
You also have the option of paying the bill in full and submitting a “SUPERBILL” to your insurance company for reimbursement.
X OSU Healthplan
We reached out to OSU Health Plan to request a contract, but they are currently not accepting new providers. Unfortunately, they have not provided any information about if or when they might open enrollment again. Rumor has it that they may not contract with outside providers at all in the future.
Because we know this puts patients in a difficult position, we offer special pricing for those with OSU Health Plan insurance so you can still access care with us.
We are offering special introductory pricing for OSU Healthplan participants. Every visit is $50 - the cost of a copay.
If you have an OSU Healthplan, please call them and request Form and Function Healthcare and Jennifer Bell, APRN-CNP be added to their network.
There is also an option to join our membership service for an introductory rate of $75/month with a 12-month commitment. This includes any annual or sick visits you may need. We will still be able to bill insurance for any lab work completed.