Insurance

Insurance & Your Concierge Membership

One of the most common questions concierge physicians are asked is, “Do I still need insurance?“

The answer is yes. Enrollment in our concierge practice does not take the place of general health insurance.

You are advised to continue your PPO, Medicare or other insurance program as well as your FSA or HSA plan. We will bill commerical insurance and Medicare for office visits and medical procedures.

Plus, it is important to remember that illnesses can be unpredictable. Should you need to be hospitalized or visit an emergency room, you want to ensure you are covered by insurance.
 

Will you be a provider for Medicare or on my insurance plan?

We intend to remain in-network providers for Medicare and many major PPO insurance plans and will bill your insurance directly for professional services that are covered by those plans. (Professional services are not covered by your annual fee.) If the terms of your insurance plan require a co-pay, we are obligated to request payment at the time of service. Office visit fees that are not reimbursed by insurance will be the responsibility of the patient.

Will my private insurance or Medicare reimburse my annual fee?

No. The annual fee is not covered by private insurance or by Medicare.

Is the annual fee tax deductible or reimbursable through my HSA or FSA?

In some instances, the annual fee, or part of the fee, may be payable through your HSA. You are advised to consult with your HSA or FSA plan administrator, employer, HR representative or tax adviser to clarify qualification in your particular circumstance.