Can I really secure quality healthcare comparable to my monthly cable/satelite TV/cell phone bill?
Yes!!! Yes, you can!
What is Accomplished Health and Wellness?
Accomplished Health and Wellness is a direct primary care clinic, which is a membership based clinic that focuses on putting the patient first. This means that we do not accept any form of insurance. Because you pay a monthly membership fee, we strive to treat you when you need to be treated, never rushing you through appointments, and being proactive with your healthcare treatment plans.
Is concierge medicine the same as direct primary care?
The terms are often used interchangeably but are actually very different. These are the very important ways that direct primary care and concierge medicine differ:
1. Concierge Medicine is a membership-based model that also accepts insurance, which means more out-of-pocket
expense for you as the consumer. You will be paying your membership fee in addition to your monthly
insurance premium, deductible, and co-pays.
2. Direct Primary Care does not accept insurance. You get your primary care for a lower monthly membership fee.
You can switch to cost share programs for high deductible health plans to save more money. This means less
out-of-pocket expense for you as the consumer with much better health care!
What is direct primary care?
Direct Primary Care is an innovative new model for healthcare that is growing rapidly because it gives patients access to better care at lower costs than traditional insurance-based clinics.
Instead of paying high insurance premiums that covers primary care costs, patients (or a patient’s employer) pay a much lower premium for a higher deductible health plan.
With a portion of the savings, the patient then pays a set, monthly membership fee to Accomplished Health and Wellness that covers the majority of their primary healthcare services.
Under this model, the cost of your primary care is significantly reduced with a dramatic increase in the quality of care you receive: the practice shifts from serving the demands of the insurance company to serving the needs of the patient.
This practice shift allows the quality of patient care to be more important than the volume of patients seen.
Without so much insurance involvement, we can get back to doing what we went to school for, practicing medicine. And the traditional doctor-patient relationship can be established once again.
We hope to be a Liberty Direct premier practice in the near future. Liberty Direct is a government approved cost share program . It is an alternative to health insurance that can save you 40-60% and will also give you a stipend to pay for your DPC membership of $60 to $100 per month! See Liberty Direct for details.
How does direct primary care work?
There is a monthly membership fee for every person enrolled. However, we do have a family membership for families of 4 or more. This membership fee covers office visits for care whether you are sick or well, and is based on age.
A low-cost, high-deductible, major medical insurance plan covers you and your family in case of serious illness or injury and meets government requirements for health insurance coverage. The cost of this plan plus the direct primary care membership fees is still less than the monthly premiums for traditional insurance plans.
If you select a high-deductible insurance plan that is eligible for a Health Savings Account (HSA), you can save even more. An HSA is a pre-tax savings account you can use for planned or unplanned healthcare expenses not covered by insurance. At this time, you cannot use this account to cover your membership fee though. We hope that will change next year.
Some employers offer Flexible spending accounts (FSA). An FSA is a special account you put money into that you use to pay for certain out-of-pocket health care costs such as deductibles, medications, labs, and xrays. With the FSA, you can include in medical expenses paid to an osteopath for medical care. Dr. Smith is an osteopath. So you can call your FSA distributor to find out if your osteopathic medical care membership fee is reimbursable. If it is, you can ask for a monthly receipt to be emailed to you.
Lab work and prescription medications are available at discounted rates, which can be payable from the HSA or FSA.
Sign up with Liberty Direct to cover you and your family and in the future you can save on your monthly DPC membership.
Does Accomplished Health and Wellness accept health insurance?
No. Happily, no.
Perhaps the most critical distinction in our model of care centers on a direct, personal relationship between you and your doctor. That directness carries over to our business model as well. While the tender mercies of an insurance company might apply to the fixing of a damaged fender on your automobile, we see no reason for any insurer to have a voice about either the quality or the cost of your family’s health care.
We forgo insurance payments in order to save our patients from the arbitrary, intrusive decisions that inevitably follow with third-party payors. Furthermore, this direct fee-for-services arrangement frees us from the typical contractual agreements that prevent physicians from offering wholesale prices on laboratory tests, imaging, and medications.
As a patient of Accomplished Health and Wellness, will I still need health insurance?
Yes. In order to satisfy the Affordable Care Act, you must carry some sort of insurance. The question is what kind is best for you and your family. You can choose from cost share programs and high deductible health plans, both of which satisfy the Affordable Care Act. The exact language in the Affordable Care Act that addresses your exemption as a member of a cost share program can be found in section 26 U.S.C. § 5000A(d)(2)(B): US Patient Protection and Affordable Care Act. A health savings account or flexible spending account may also be beneficial to help with large costs. These types of programs are important for financial help should hospitalization or referral to a specialist be necessary. Life happens and often not on our terms. So we want you to be prepared.
Can you help me find affordable insurance for my family or my business?
Absolutely. We’re fortunate to work with the industry leaders in health insurance who build custom plans that remove much of the waste and inefficiency from a typical, bloated policy. If you’re interested in speaking with a health insurance expert, contact Joe Martin at 316.259.8710
If I have Medicare, can I still join Accomplished Health and Wellness?
Yes. You need only sign a one-time waiver declaring that neither you nor your provider will directly bill Medicare for our services. Medicare will still cover any laboratory testing, imaging, medications, or hospitalizations prescribed by our office. However, this is often seen as an out of network provider.
Is my membership to Accomplished Health and Wellness tax deductible?
Unfortunately, no. Your retainer is not yet defined as a “medical expense” in most states and as such is not deductible. The American Academy of Private Physicians, however, is lobbying hard to win rightful deductibility for these expenses. In the meantime, consult with your tax consultant to clarify tax consequences in your particular circumstances.
What happens if I need to go to the hospital or see a specialist?
In providing superb care with unprecedented sorts of access, we seek to prevent or reduce hospitalizations and specialty referrals. In instances where those types of care are required, we will certainly continue to work closely with any specialist, but we will not care for you while you are in the hospital. We will leave your care to the highly specialized hospitalists who will manage your treatment plan.