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Why does The Doc Shoppe charge a membership fee?
Our simple, straightforward and fixed monthly membership fee at The Doc Shoppe covers all of your primary healthcare needs at our office: $55 for an individual, $75 for seniors, and $165 for a family. (There are nominal fees for certain supplemental services.) No more worrying about whether you can afford a doctor’s visit or not, how much your co-pay will cost or when your deductible will kick into effect. Here is an article explaining the benefits of membership-based healthcare (also known as Direct Primary Care).
I already have health insurance. Why should I pay an additional monthly fee for health care?
Membership at The Doc Shoppe works well in conjunction with insurance plans, particularly high deductible plans. We anticipate that most of our members will save money (compared to standard "co-pay" insurance plans) when combining The Doc Shoppe membership with a high-deductible health insurance plan. Think of The Doc Shoppe membership program as an independent, supplemental and comprehensive way to obtain your primary healthcare.
Can I just have a visit without becoming a member?
The Doc Shoppe presently allows you to choose a one-time Trial Membership to help you decide if you want to commit to a Standard Membership. However, we are convinced that most people who come here will want to become members once they experience the benefits, cost-savings and personal attention they receive.
Are there any contracts or commitments?
From our standpoint, we are committed to providing you with the best primary healthcare available. We want to give you quality care at an affordable cost in a compassionate manner. For your part, we do not require you to sign any contracts that commit you to a certain period of membership beyond the first two months. You may cancel your membership at any time.
What if I decide to cancel? Can I get a refund?
If you decide to cancel and have a balance of prepaid membership fees remaining after the first two months, a pro-rated refund will be given to you based upon the date of your cancellation. The registration fee ($50 for an individual or a family) is paid upfront and is non-refundable.
What about pre-existing medical conditions? Do you have any income or health requirements for becoming a member?
Your membership at The Doc Shoppe is not based upon any of your existing medical issues or conditions. And, no, we do NOT have any income or health guidelines to prevent you from becoming a member. Our fees are the same regardless of your income, insurance arrangement or level of health.
Are there any hidden fees?
Nope! We have tried to list the fees for almost every possible service you might need at our office so that you will have no surprises. Doc Shoppe members receive most of their services at our office at no additional cost. Trial members should review our price list for additional costs.
What about lab work and other types of tests?
For Doc Shoppe Standard members: You have access to over 100 basic labs (cholesterol panel, diabetes testing, strep swabs, etc.) as needed for no charge at all. For members that need non-covered labs, we will try and arrange for significantly discounted wholesale prices. You can check out some of our lab tests on our price list. If you require labs that are not listed, feel free to contact us about their pricing. For Trial members with various types of insurance requirements: We can give you a test requisition form listing the labs you need which you can take to the lab facility of your choice or the one that your insurance policy requires. The lab will then bill you (and possibly your insurance) separately. If you don’t have insurance and you want The Doc Shoppe to make arrangements for your lab tests, we have a list of prices here.
When do I pay my fees for visits, labs, etc.?
To keep administrative costs down we require Doc Shoppe members to set up automatic withdrawals of the monthly membership fee from their bank account. For any special types of visits, unusual labs or extensive procedures that are not part of your membership, we request payment at the time the services are rendered. Trial members are expected to pay in full at the time of service. We are happy to provide you with a bill listing the price of the services for which you paid, if you wish to submit it to your insurance company for potential reimbursement.
How much will my first visit cost?
If you have not already enrolled in our membership plan, you will need to pay a registration fee and set up a monthly withdrawl from your bank account ($55-$165 depending on plan). If any non-covered services are required (unusual labs, certain procedures, etc.) the first visit cost may be slightly more. Since we require new members to pay for the first two months plus the registration fee up front, a typical individual membership first visit will cost $160, a couple $270 and a family $380. Trial members will typically pay $160 plus any lab fees.
How much does a regular check-up or “wellness” visit cost?
For both Standard and Trial members… nothing extra! It is included in your memberships.
What are your regular clinic hours? Do you have evening or weekend hours?
Currently our usual clinic hours are 9:00am-5:00pm, Monday-Friday. Dr. Jung periodically takes off a half or a whole day a week. We try to take a lunch break at 1:00. We may provide evening and Saturday morning clinics at some point in the future for our members. However, all Standard members have access to The Doc Shoppe by phone or by means of our secure patient messaging portal after-hours. After-hour visits are by appointment only and include an additional convenience fee.
Do I need an appointment or are you a walk-in clinic?
Yes and no! Our intent is to always offer same-day or next-day appointments for our members with as short a wait and as unhurried a visit as possible. So, please contact us first to make an appointment.
How long do doctor visits last?
As long as we need to take good care of you! Taking into consideration the number and complexity of your medical issues and certain busy seasons, the time may vary a bit from situation to situation.
What if I need a specialist, diagnostic testing, an emergency room visit or hospitalization? What then?
Just as any insurance-based family doctor could do, we can suggest and often arrange referrals for diagnostic testing or visits to specialists. Thankfully for Standard members, and dependent upon provider availability, The Doc Shoppe can offer many urgent care and minor emergency services even after-hours (for an additional but discounted fee) that can help you avoid an expensive trip to the emergency room. However, we do recommend having health insurance in the case of an unexpected, expensive event such as a surgery, an ER visit or a hospitalization. The Doc Shoppe has also negotiated significantly discounted diagnostic testing fees for our members in both our local community as well as regionally.
Do you make house calls?
For Standard members, yes, depending upon physician availability. There is an additional fee for this service so please see our pricing page for costs.
Are there other types of visits that I can do by phone or text?
For Standard members, yes! Membership patients have access to The Doc Shoppe medical team by way of office visits, phone messages and our secure messaging portal. These “virtual visits” (texting, e-mails, and phone calls) can save you the time and hassle of coming in to see the doctor. However, they are only a supplement to good primary care- not a replacement for in-person visits. Generally if the issue does not require a physical exam, a virtual visit is fine. Many chronic issues (like diabetes or hypertension) and medication refills can be largely managed through email and virtual visits. However, we will recommend a traditional clinic visit for any issue requiring a physical exam (like persistent coughs, sinus infections, ear infections, new pains, etc).
Is The Doc Shoppe membership a form of health insurance?
Absolutely not! However, membership can give you a similar peace of mind that your doctor is available when you need him.
Is The Doc Shoppe membership a substitute for health insurance?
Once again, no! Membership in The Doc Shoppe is a great way to receive high quality primary health care, but we still believe insurance is helpful for unexpected emergencies and expensive events. See this link for an explanation of how membership (Direct Primary Care) and insurance can work together.
Can The Doc Shoppe bill my insurance plan?
No. The Doc Shoppe does not contract with any private or public insurance plans. However, Trial members may submit our receipt to their private insurance plan for their initial office visit, if they choose. See next question…
Can I submit claims (for services not included in my membership) to my health insurance plan for reimbursement?
If your health insurance plan allows for out-of-network coverage and reimbursement, then you most likely can do so. The Doc Shoppe can provide a receipt of your payment so that you can process it with your insurance plan. However, even if your insurance plan will not reimburse you for these services, you will most likely find our prices still save you money.
Can I use my insurance elsewhere if I join The Doc Shoppe?
Your insurance plans will continue to operate “as usual” at other doctors' offices, hospitals and pharmacies. Some plans do not require a designated “gatekeeper” doctor for referrals, medications, tests, and the like, so The Doc Shoppe can order those services as needed just as any other doctor would do. Some HMO-style plans and KY Medicaid do require an “in-network” primary care doctor for access to other services, so these plans do not pair as well with membership in The Doc Shoppe. Please check with your insurance company.
Can I use my FSA or HSA account/card with membership in The Doc Shoppe?
As far as we understand it, you may soon be able to use your FSA (flexible spending account) or HSA (health savings account) to pay for membership in The Doc Shoppe and for service fees (specialized visits, labs, etc). However, it is your responsibility to verify this with your accountant or financial advisor.
What type of insurance would you recommend?
The Doc Shoppe is not a financial or health insurance advisor, but we expect that standard Doc Shoppe members with high-deductible (catastrophic) type health insurance plans will be very pleased with their arrangements when combined with our services. Also, members of healthcare cost sharing programs like Samaritan Ministries will find that their membership with those programs complement membership in The Doc Shoppe quite nicely. The Doc Shoppe can provide day-to-day services while a high deductible or a healthcare cost-sharing plan can help limit the enormous expenses of a major event. High deductible health insurance plans usually have 20-50% lower premiums than low-deductible (“co-pay”) type plans. Christian healthcare cost sharing plans (like Samaritan Ministries), while not insurance, have even lower monthly out-of-pocket costs.
Does membership in The Doc Shoppe satisfy the requirement for “insurance” under the Affordable Care Act (Obama-care)?
Good question, but not likely. However, our type of practice is loosely termed “Direct Primary Care” (DPC) and it is mentioned briefly in the Affordable Care Act as "participating in insurance exchanges with a wrap-around insurance plan.” The details of this are still very unclear to us, but, like other Direct Primary Care centers we know about, we are not going to wait around for Washington, D. C. to provide our community with high quality, affordable, compassionate primary healthcare.
Do you accept Medicaid?
We do not contract with Medicaid and do not bill them for our services. Unfortunately, Medicaid recipients may find it burdensome to join The Doc Shoppe, because they will likely also be assigned a "network Primary Care Physician (PCP)" that they may be required to see to access other health plan benefits and services.
What about Medicare?
We can see patients with Medicare, but we do not bill Medicare. The Doc Shoppe offers services to seniors using our Membership Plan. A Membership Plan can save you money even if you already have Medicare- read more about it here.
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