1. Who 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 deliver primary, preventative, and urgent care services regardless of age, sex, or insurance status.
2. 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 the provider. It also decreases the cost and the paperwork of conventional medicine and increases the care and quality you deserve.
3. Does DPC satisfy "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.
4. What do membership fees cover?
The monthly membership fee guarantees you have full access to your primary care provider and don’t have to deal with the everyday issues found in most doctors’ offices. For example, we provide same-day or next-day appointments, extended appointments to cover as many questions as needed per visit, and access to the steep discounts offered by the Personal MD Health Network.
5. 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 a cardiologist, optometrists, podiatrists, dentists, as well as laboratories, radiology services, pharmacy services, and more. We are proud to say that our group of providers can handle over 94% of most patients’ health care needs.
6. Can I enroll my family?
Personal MD accepts individuals, couples, and is one of the few membership clinics in the country to take children. Our fee schedule can be found here. A child is any person living at the same address who is 25 years old or younger.
7. Can I add a family member to my account?
Yes. A one time $100 registration fee is required anytime you want to add a new member or members to your account.
8. Can I remove a family member or employee from my account?
Yes. Members can be removed using our add/remove member form. Your new balance will be reflected on the following billing cycle.
9. Can I use my high deductible health plan?
High deductible health plans are considered any plan with a deductible over $1000 per person or $3000 per family. These plans help lower your monthly premiums by creating a higher initial deductible. A higher deductible places more responsibility on you to manage your health care dollars. We encourage but do not require our members to carry one of these types of plans to cover the medical services not covered by our program.
10. Can I sign up my company?
Personal MD is happy to take care of companies up to 500 employees. Companies over 50 employees are charged a flat fee and in some cases, we offer on-site healthcare clinics. For a quote for your company, please call 214-726-0755.
11. Do you accept Medicare?
This is a common questions. In short, Medicare patients are welcome at Personal MD, but the monthly membership feel is not covered. Our physicians have opted out of Medicare, so any charges created by our office can not be submitted directly to Medicare. However, any outside 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. With more convenient access to appointments, shorter wait times, 30-minute appointments, and more face-to-face time with your doctor, our office helps minimize the common issues found in a traditional medical office. For specific questions, please feel free to call our office at 214-726-0755.
14. Can I become a member if I have traditional insurance?
Personal MD is a full-service primary care medical office that works in conjunction with traditional health plans. Although Personal MD does not accept commercial insurance plans for payment, any fees generated as a result of a patient visit are eligible to be paid 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, any medications we prescribe will be covered under the provisions of your insurance plan as well.
12. Why would I want to become a member if I have insurance?
Personal MD provides services beyond the scope of most doctors’ offices. Members are guaranteed more convenient 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. Any outside services can be charged directly to your health plan just like any other doctors office.
13. Does my insurance plan cover my monthly membership charge?
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), health reimbursement accounts (HRAs), and health savings accounts (HSAs).