I get this concept but it's different from paying a $45 monthly fee for better service at your doctors office. |
I get this concept but it's different from paying $45 monthly fee for better service at your doctors office. |
|
This makes total sense to me and I don't have a problem with it.
I am a private reading tutor. I am able to handle a certain amount of clients. Right now I'm full up; I have no room for more. If I decide I want to earn more money over the next few years, I can either raise my hourly rate, or shorten the amount of times I will see my students. Doctors who are primarily paid through insurance companies can't raise their rates, right? Insurance companies negotiate their rates at a certain level for everyone. And so to earn more money, doctors either stop taking insurance completely (if they can get away with that -- have to have a wealthy client base) or they start streamlining their patients -- what used to be a 20 minute appointment is now a ten minute one, and a 10 minute one becomes a five minute one. I had one doctor stop taking insurance and I'd rather all the best ones not do that. I have found a few doctors whom I love, and would gladly pay extra to have access to their knowledge, to be able to see them the day I need them, and to have them be able to take more time with me when I really need them to. $500 per year does not seem outrageous to me. |
DH and I recently changed to an internist who does not take insurance. What a difference in service. I saw him recently and he spends an hour with me. All labs are done in-house, no running to Quest/lab Corp. Seen on time and the waiting room isn't a zoo with nice, professional reception and checkout. Worth the money. Amazing... |
Most insurance (of all types) is filed with and approved by state insurance departments. Most of those approval processes include caps on loss ratios. Not exactly a profit limit, but don't pretend insurance companies can just charge whatever they want. They can't. |
Uhh, yeah - if you pay more, you have access to better care. Why is this at all surprising, let alone disturbing? |
If you feel so strongly, by all means go to medical school and open a free clinic and work 60 hours a week for free. I'm serious: go to medical school and put your money and time where your mouth is. Until then, don't criticize others for wanting to be compensated appropriately for their time. |
If you feel so strongly, by all means go to medical school, finish residency, and open a practice and work 70 hours a week for peanuts. I'm serious: go to medical school and put your money and time where your mouth is. Until then, don't criticize others for wanting to be compensated appropriately for their time. |
Uhhh, ofcourse this doesn't bother or disturb you because you can probably afford to pay more. What about the majority of americans who can't afford it? Their service will just suck becuase they don't have enough cash? Kinda wrong, no? |
Everyone wants to be appropriately compensated for their time..........except that doesn't always happen. Are you going to base your care based on how much a patient puts in your pocket? That's just greedy and ugly. |
well, those who can't afford to pay (or pay as much) get worse in every walk of life--legal services, plumbing, hair cuts, education, entertainment and on and on and on. That's how the American free market economy works. It's not fair to hold doctors to a higher moral ground than everyone else who selectively chooses customers based on who can pay or pay better. Most European countries provide exactly what is happening here in the US: a basic level of (often free) care to everyone and a second level of care (more convenient, etc) to those who can afford to pay. |
|
^ Yeah, the difference is if you get a bad haircut, no big deal. You get a bad doctor, diagnosis, or treatment, the stakes change.
Sad state of affairs when we compare healthcare to entertainment. |
| PP who changed to an internist who does not take insurance. The main difference I noticed is not so much the quality of care but things like getting an non-urgent care appointment for our annual physical. I can make an appointment a week in advance instead of at least three months in advance for our in-network doctor. Our new internist will prescribe lower cost meds or generics if they are available which makes up for the higher cost of seeing him. We've been healthy and see the internist once or twice a year so the extra cost is negligible and worth it for the convenience. |
|
My in laws have a primary care physician who changed to this model within the past 5 years. The doctor charges about $1k per year per patient, and caps her patients to a certain number at a time. She explained that this fee is so that she can continue to provide the same level of service she always has--I.e. Not have to cram in as many patients as she can per day to pay the rent. She apparently did the math that if she has x number of patients and sees them an average of xx times per year, she will earn a certain amount of money that isn't enough to stay in practice without adding more patients.
I'm assuming that most of her other patients are middle class suburban retirees like my inlaws are. They aren't rich--don't have a vacation home or anything like that-- but aren't struggling in their retirement either. Both of my inlaws have serious enough health conditions that the annual expense was worth it to them for a more personalized level of care. IMHO, this isn't keeping people who can't afford a doctor from seeing one. This doctor is located in a suburban medical complex, not convenient at all to the homes of the poor patients being discussed in previous posts. I refuse to believe that one medical office out of who knows how many in the county not taking new patients and charging an annual fee to current patients who want to stay with the practice is going to effect anyone who is truly being hurt by the disaster that is our health care system. |
| My two cents, it doesn't bother me that doctors do this (and since I have had some major health issues, I might be willing to pay for good service); however, I do think it takes away some of the noble aura around practicing medicine: i.e. your pricing excludes certain parts of the population who can't afford $500 a year. That's your right. But if you have one of these practices, I do look at you a little differently: your motives are not about helping all those in need. Your motives are about helping those in need who can afford to pay. |