This post is placed here to address common misperceptions and perhaps even intentional disinformation about the working idea behind "Cash Only
Doctors". Mods, please move if you feel this is in the wrong place.
Cash only doctors is an idea that has found a resurgence across America in the midst of all of the hype and beurocratic red tape surrounding
Many doctors are resigning out of frustration, but some doctors have taken a different approach, and are moving towards a cash-only based service.
Some call it concierge service, but whatever you call it, it is attracting roughly 25% of physicians.
The term "concierge medicine can be misleading, however, because many of these doctors find themselves serving patients with cadillac medical plans
with high deductibles and copays, for whom the cash only visits are actually less expensive, to the unemployed, and even homeless needing medical
These doctors are even making house calls, are willing to come to a hotel room if you are from out of state, and the amazing thing is, in many
instances, the office visit cost is less than the copay for some insurance companies! That's right, you can get a 30 minute to one hour, one on one
visit with a doctor that is attentive, is listening, and that will work with you on preventative care.
The benefits of this type of system are many.
They have to hire less administrative staff to handle the reams of paperwork dealing with multiple insurance companies.
They are NOT required to share your personal medical information. You sign a privacy agreement, and all of your information is done the old fashioned
way, written on paper, safe from prying, spying eyes. Your information is between you and your doctor only, no one else. There is no requirement for
them to place your private information online, where it is open to possible hacking, snooping, and sharing with multiple government agencies and
untold pairs of eyes prying into your private life.
Cutting out the middleman drastically reduces costs, allowing the doctor to pass those savings along to you. For instance, a regular office visit for
an insured patient for a 12-15 minute hurried office visit can run 145.00. While a portion of that is a negotiated rate, the doctor receives a slow
reimbursement of roughly 23.00. The patient copay varies, anywhere from 30.00 - 55.00. The doctor must pay multiple staff, malpractice insurance,
rent, power bills, etc. In the end, the cost to the patient is higher, and the doctor may even end up PAYING money to see a patient! No wonder they
are leaving in droves!
Multiple plans are available, from 1000.00 -5,000.00 a year, depending on your needs. Or, just pay by the visit. With these plans, you will pay your
fee up front, then have either regular visits, or, unlimited visits, at no other charge. Included are many lab tests, included are also standard
physicals, and gynecological exams, and some even include discounted prescription plans.
The government does NOT want you to know about these types of services, but for light healthcare users, most would highly benefit from a service like
this by simply not taking Obamacare, taking the "fine", and self paying for necessary visits.
It is noteworthy however, that doctors advocating this type of service recommend that you take a policy, but only use it for severe illness when it is
a necessity, as opposed to draining the copays and employer contributions, or HSA', if you have those types of plans.
It is even beneficial to people with chronic disease, such as Diabetes, high blood pressure, etc.
Because you pay up front, the doctor has almost zero cost for collections.
There are many articles available on this subject, but the main reason that I felt like bringing this topic to the table for discussion is the huge
amount of disinfirmation that I have seen, ranging from the doctors are greedy and only in it for the money, to claims it costs even more than
While it is my opinion that these claims are bogus, hear it from the doctors themselves. Many feel this is a return to what medicine should be.
Not only are the doctors finding it more enjoyable to treat and care for their patients, the patients are enjoying a closer, more confidential
relationship with a doctor they feel they can talk to, who has the time, and who they can reach when they need them.
More one on one contact with the patient. Real, confidential patient files with no government intrusion. 24/7 access to your doctor by cellphone,
email, and walk-in visits with no appointment neccesary, and even housecalls. Never in a million years did I envision a return to housecalls.
So, check out this article, and let's have a discussion about the realities of a cash only doctor without the hyperbole and lies that have been
surrounding this topic for many months. This may, afterall, be the solution that some of you are looking for.
If you are looking to do some of your own research, simply use your own favorite search engine, and look for "cash only doctor" in your city. For
general information and links, leave the city search off.
In the meantime, I will provide a couple of links to get you started. Please at least do some general reading if you are unfamiliar with this topic
before making rash comments.
Enjoy! I look forward to some great conversation!
As with *any* other type business, always do your research before choosing a doctor.