Comments on: Self Insured http://032a410.netsolhost.com/WordPress/?p=200 Blog Fri, 24 Feb 2012 17:23:22 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: surgerycenterok http://032a410.netsolhost.com/WordPress/?p=200&cpage=1#comment-21 surgerycenterok Fri, 22 Jul 2011 03:24:58 +0000 http://032a410.netsolhost.com/WordPress/?p=200#comment-21 I worry about the incentives with your plan. I am basically self insured with a 10K deductible for my own insurance. I am motivated to shop because it is my money. My physician is not motivated to ration or deny me care to save money that I would have pre-paid him in your plan. My high-deductible plan is self-managed...patient managed. Your plan is managed, top-down, if I'm not mistaken. I am afraid that you might meet the same issues that HMO's have met and the main reason they failed: the "perceived price" of care approached close enough to "zero" (due to the prepayment concept) that demand was too high. As demand greatly increased, plans were motivated to ration in order to save themselves from bankruptcy. Help me understand if I'm wrong. G. Keith Smith, M.D. I worry about the incentives with your plan. I am basically self insured with a 10K deductible for my own insurance. I am motivated to shop because it is my money. My physician is not motivated to ration or deny me care to save money that I would have pre-paid him in your plan. My high-deductible plan is self-managed…patient managed. Your plan is managed, top-down, if I’m not mistaken. I am afraid that you might meet the same issues that HMO’s have met and the main reason they failed: the “perceived price” of care approached close enough to “zero” (due to the prepayment concept) that demand was too high. As demand greatly increased, plans were motivated to ration in order to save themselves from bankruptcy. Help me understand if I’m wrong.
G. Keith Smith, M.D.

]]> By: Dr Josh http://032a410.netsolhost.com/WordPress/?p=200&cpage=1#comment-20 Dr Josh Thu, 21 Jul 2011 00:47:01 +0000 http://032a410.netsolhost.com/WordPress/?p=200#comment-20 Great piece on the benefits of self-insured. I'd like to venture that you're missing a piece though, a maybe unexpected piece. A concierge doctor to go with that self insured plan. Now, if you're familiar with typical high price low value concierge doctors this may not jive. But i'd like to introduce you to my high value low cost concierge model, www.atlas.md . We charge $10-100/mo/pt based only on age for unlimited home/work/office/technology visits and 24/7 access to your private physician. Futhermore we pass along our wholesale prices on labs and medications to ensure maximal savings. Examples: cbc $2 cmp $4 lipid panel $3 TSH $4 OB panel $22 ESR $4 a1c $6 500 of protonix for $11 $700 of zofran for $6 $80 of zoloft for $2 prednisone is so cheap we give furthermore, to add value to our memberships, ANY procedure we do in the office is free including ekg, spiro, full body dexa, laceration, lesion removal, biopsy, medical laser treatments (www.aerolase.com) ultrasound testing (www.sonosite.com) and more to come. different that what you're used to? hope so. so take your self-funded plan and imagine paying $50/mo/pt (corporate rate) for every employee/spouse to incentivize the use of a doctor who has ALREADY shopped for the lowest possible rates on everything. Interesting? i'd love hear your thoughts, thanks for your time dr josh www.atlas.md Great piece on the benefits of self-insured. I’d like to venture that you’re missing a piece though, a maybe unexpected piece. A concierge doctor to go with that self insured plan. Now, if you’re familiar with typical high price low value concierge doctors this may not jive. But i’d like to introduce you to my high value low cost concierge model, http://www.atlas.md . We charge $10-100/mo/pt based only on age for unlimited home/work/office/technology visits and 24/7 access to your private physician. Futhermore we pass along our wholesale prices on labs and medications to ensure maximal savings.

Examples:
cbc $2
cmp $4
lipid panel $3
TSH $4
OB panel $22
ESR $4
a1c $6

500 of protonix for $11
$700 of zofran for $6
$80 of zoloft for $2
prednisone is so cheap we give

furthermore, to add value to our memberships, ANY procedure we do in the office is free including ekg, spiro, full body dexa, laceration, lesion removal, biopsy, medical laser treatments (www.aerolase.com) ultrasound testing (www.sonosite.com) and more to come.

different that what you’re used to? hope so.

so take your self-funded plan and imagine paying $50/mo/pt (corporate rate) for every employee/spouse to incentivize the use of a doctor who has ALREADY shopped for the lowest possible rates on everything. Interesting?

i’d love hear your thoughts, thanks for your time
dr josh
http://www.atlas.md

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