Frequently Asked Questions
The unique nature of direct patient care does frequently present many questions. In fact, our healthcare system has become so complex that the very simplicity of the direct patient care model is what makes it hard to understand. If you have questions which are not addressed here, please email me through the Contact section. I love to talk about this model and how it can benefit anyone.
- I have Medicare. How can my membership actually save me money?
Many of my Medicare patients save more that the $60 they pay each month to be a member in the practice, particularly if they are healthy and do not typically have to see specialists. Consider the following. Medicare Part B is voluntary, not required. Only Part A is required. You can keep the amount you pay each month for your supplement, see me for most of your healthcare needs, and if you need to see a specialist or have diagnostic studies, you just pay the 20% out of pocket. Considering most supplements cost $2400 to $3600 per year, you will likely come out ahead. Part A covers you if you are hospitalized. For those who feel better having a supplement, you can choose a Plan F high deductible supplement. The premium is often less than $100 per month, and you pay the first $2160 as a deductible if you have to use it. Have a good year and you saved more than the $720 you pay to be a member. Have a bad year and you just pay the $2160 that you would have paid for the higher premium supplement anyway. You have nothing to lose; only savings to be gained.
- I usually only see the doctor once or twice a year. Why can't I just pay cash when a visit is needed?
- I have insurance. Why should I pay you a monthly membership fee?
- What happens when I need labs or xrays, or if I need to go to an ER, specialist or hospital?
- What if I have Medicare? Since Dr Crall is "opted out" of Medicare, how does that affect when I need to use my Medicare for other services?
- What if I have a flexible spending account (FSA) or a healthcare spending account (HSA)? Can I use it to pay the monthly fee?
- If I already have a comprehensive insurance plan (PPO/HMO), what happens if I need to get prior approval for medications, xrays, or specialty services?
- What happens with immunizations? Especially for my children?