1. What is Direct Primary Care? Direct Primary Care (DPC) is a membership model of healthcare where a monthly fee allows patients to receive unlimited office visits and technology visits. Its objective is to provide comprehensive medical care for all your primary care needs with minimal barriers to access, while promoting a long standing, trusted relationship between you and your doctor at an affordable, predictable cost!
2. Will I have to pay a copay for my visits? No. Your membership covers all of your office visits. There are no co-pays or deductibles.
3. What is not covered by the membership fee? The membership fee does not cover additional labs, pathology for PAP smears and skin biopsies, or vaccines. Deeply discounted negotiated prices for these services will be passed along to you, the patient. You will be referred to the most cost effective imaging centers for x-rays and advanced imaging.
4. Do you accept Health Insurance? No. By not billing insurance or Medicare, Dr. Ogin is able to spend more time focusing on you and less time dealing with insurance companies.
5. Should I keep my health insurance? Dr. Ogin recommends that her patients continue to carry a medical plan or a health sharing plan or a health savings account, thereby ensuring financial help should hospitalization or referral to a specialist be necessary. That said, we do not require our patients to carry insurance. If you have insurance, you can continue to use your insurance for all outside testing or specialist appointments.
6. Can I afford to join LumaDoc Health? Yes! The monthly fee is very reasonable, usually about the same as a cable or cell phone bill. It covers so much!! Pairing your DPC membership with a catastrophic/high deductible health insurance or cost sharing plan can be very cost effective. Some cost sharing programs offer discounts to DPC members.
7. What happens if I need to go to the hospital or see a specialist? When necessary, Dr. Ogin will work with you to choose a specialist. If you need to be hospitalized, you will be admitted by a Hospitalist and Dr. Ogin will maintain close communication with them regarding your care. 8. Is my membership fee tax deductible? Unfortunately, no. Your retainer is not yet defined as a “medical expense” in most states and as such is not deductible. DPC physicians, however, are lobbying hard for laws to be passed recognizing these fees as deductible medical expenses. In the meantime, consult with your tax consultant to clarify tax consequences in your particular circumstance.