Larry's Log

A number of years ago I got to wondering about saving insurance dollars by paying my doctor so much a month in return for an agreement for him to keep me healthy. Basically what I was looking at was an alternative to the standard health care policy. I figured instead of paying insurance to cover doctor’s visits in a reactive fashion I could pay him for providing me both proactive and reactive care. The better he and I were at the proactive practice the less he’d see me in reactive mode which should result in him making more off of me and seeing me less while I saved some insurance dollars and stayed in better health.

My doctor told me that it was an interesting idea but if he did that he would have to change his practice to this style only and accept no insurance or medicare/medicaid patients and he wasn’t going to leave his current patients in a lurch to test out this idea.

Well, it seems I wasn’t alone in thinking of this business model for doctors and now some have attempted to put it into practice. Other’s have attempted to put it into practice but have run into some bureaucratic road blocks.

For those of you who might be interested, not accepting insurance for payment allows for a list of fees for services like this. Government intervention is not required.

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