Help with picking office payment plans

I have received many patient calls about which of my office plans to choose. There are four different options. I will try to clarify the differences below and help to recommend which plan is right for you.

Individual Wellness Plans:

· Adults ages 25 and over: $300/year with office visits starting at $25/visit.
· Adults and children ages 24 and younger: $200/year with office visits starting at $25/visit.

Family Wellness Plans:

· $1000/15 months with office visits starting at $25/visit

All Wellness Plans include a once yearly Comprehensive Wellness Exam. Included in this exam is a full history and physical, review of labwork, heart testing for adults ages 25 and up, and lung testing for all ages. Other add on tests, procedures, etc will be offered at a discount to our regular price. This exam at any other medical office would cost much more than $200-300 that we charge. And no other office sharply discounts remaining follow up care. We can offer this value due to lower overhead costs which results directly from not having to deal with insurance company regulations.

Wellness Plans are excellent values for the following types of patients.

· Patients who are proactive in their health, and who like guidance for prevention and wellness.
· Patients with high deductible health insurance, health savings accounts and flexible spending accounts.
· Patients who put off coming to the office for evaluation due to expected high office fees. As the majority of office visits will be $25, you no longer need to fear coming to the office.
· Patients who visit the office 4 or more times a year. The savings difference of the office visit costs between self pay and wellness plans start adding up on average by the fifth office visit for adults and by the third or fourth office visit for children and young adults. The savings happens even sooner if one of the visits is for a yearly physical exam or for patients who need extended office visits.

Retainer Plan:

· $750/year per individual, $2000/year for families – A complete wellness exam is included in the retainer plan. No fee for office visits unless as a housecall. The only other fees are for immunizations which are given at cost, and for legal work.

Retainer plans are excellent values for the following types of patients.

· Patients who are proactive in their health, and who like guidance for prevention and wellness.
· Patients with high deductible health insurance, health savings accounts and flexible spending accounts.
· Patients who put off coming to the office for evaluation due to expected high office fees. There are no office fees in the retainer plan.
· Patients who visit the office ten or more times a year.
· Patients who need more frequent follow-up care. This would include people being treated for hard to control high blood pressure and diabetes.
· Patients wanting more help with obesity who need more frequent guidance.

Self Pay:

· For established patients, office visits start at $65.
· For new patients, office visits start at $75.
· Self pay is for new and established patients who do not come to the office much, but still want value in their medical care.

Medicare:

· Our office is still participating with Medicare, but not Medicare Advantage plans. For patients enrolled directly with Medicare our office will remain business as usual.

My office is open to any further questions concerning the above options. Stop by and talk to Dr. Horvitz or call us at 856-231-0590. We will be glad to help in any way!