FAQ

2770 Virginia Parkway, Suite 301 McKinney Texas 75071

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Frequently Asked Questions

What is Personal MD?

Personal MD is a direct primary care medical office specializing in providing quality health care at an affordable price. Our board-certified medical team can provide primary, preventative, and urgent care services regardless of your age, sex, or insurance status.

What is Direct Primary Care

Direct Primary Care (DPC) provides primary care medical services directly to consumers and companies via affordable subscription.  This new approach to health care minimizes the role of traditional insurance and enhances the relationship between the patient and provider.  It also decreases the cost and the paperwork of traditional medicine and increases the care and quality you deserve.   

Does Direct Primary Care satisfy the Affordable Care Act (“Obamacare”)?

DPC is included in the Affordable Care Act and is considered compliant when paired with a self-insured plan, high deductible plan, catastrophic plan, or wrap around plan.  Personal MD is not an insurance company but we are well educated on this topic and are happy to answer any questions you have.

What do membership fees cost and cover?

The monthly membership fee guarantees quick and easy access to a board-certified primary care provider, extended appointments to cover as many issues as needed per visit, and access to the steep discounts in the Personal MD Health Network, a pre-qualified network of 30 specialists who provide services at substantially-reduced fees.  See our SERVICE page for details of the services included in your membership.

Is Personal MD an insurance company?

No. Personal MD is a group of local private doctors and health care providers committed to caring for your health care needs. Our network of providers includes specialists like cardiologist, optometrists, podiatrist, dentists, as well as laboratories, radiology services, pharmacy services, and more. We our proud to say that our group of providers can handle over 94% of most patients’ health care needs.

Can I enroll my family?

Personal MD accepts companies, individuals, couples, and is one of the few membership clinics in the country to accept children. Members can be removed at anytime and for any reason.

What about catastrophic medical plans?

Catastrophic plans generally have a deductible of over $1500 per person or over $5000 per family.  These plans are designed to lower monthly premiums by creating a higher initial deductible.  This places more responsibility on the patient to manage their health care dollars.  We encourage, but do not require, our members to carry one of these type of plans to cover the medical services not covered by our program.  

What if I have Medicare?

Medicare patients are welcome at Personal MD.  With easier access to appointments, shorter wait times, 30 minute appointments, and more face-to-face time with your doctor, our office is often preferred to a traditional medical office.  Our physicians have made a decision to opt-out of medicare so any in-office fees generated can not be submitted directly to medicare.  However, more expensive services such as lab, x-rays, CT Scans, MRI’s, specialist visits, and hospital care, can all be filed directly through your medicare plan just like any other doctor’s office has done for you in the past. For specific questions, please feel free to call our office at 214-726-0755.

If I already have access to health insurance, can I sign up for Personal MD?

Yes.  Personal MD provides services beyond the scope of most doctors’ offices. Members are guaranteed easier access to appointments, round-the-clock direct access to their doctor via phone and e-mail, and 30 minute consultations rather than the typical rushed office visit.

Does insurance cover the membership fee?

Although some insurance companies are starting to cover membership fees, most health insurance companies still don’t.  However, patients can pay for the annual fee through employer Section 125 plans, as well as with flexible spending accounts (FSAs), medical savings accounts (MSAs), and health reimbursement accounts (HRAs). The fee may also be paid through the newly established health savings accounts (HSAs).

How does Personal MD work with traditional health insurance?

Personal MD is a full-service primary care medical office that is designed to work in conjunction with traditional health plans. Although Personal MD does not accept commercial insurance plans for payment, any fees that are generated as a result of a patient visit may be partially recovered through the out-of-network provisions of the benefits plan. Also, if tests are needed such as lab or X-ray services, the insurance company will be billed directly by the provider that performs these services. Finally, medications that are prescribed will be covered under the provisions of the insurance plan as well.

Our Services

With over 13 years of providing care to individuals, self-employed, and small companies, Personal MD is well prepared to care for you.  Here are a few of the services we provide.

What You Need To Know

Become a Patient Today

Becoming a Personal MD patient is easy.  Follow this link to join our program today.

List of Services

We can handle over 80% of the problems that come into our office.  See what our program offers.

FAQ

Frequently Asked Questions

Health care can be confusing.  Personal MD is dedicated to helping you get the best care at the right price.