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Frequently Asked Questions:
How does my membership in the concierge medical program at the Pratt Diagnostic Center work with my health insurance?
Membership in the Pratt Diagnostic Center (PDC) is fully compatible with most health insurance plans, including Medicare. We are happy to discuss your specific health plan with you. The annual fee pays for preventive care services that are not covered by insurance. You will still need health insurance to cover all other healthcare visits including office visits, appointments with specialists, diagnostic tests and hospital stays. In addition, you will still be required to make co-payments depending on your health plan.
My insurance already provides for an annual physical. What is different about this?
The annual PDC physical is broader than what may be covered by insurance. As part of the concierge health care service, your physician reserves at least a full hour for this visit. This allows ample time to discuss such issues as nutrition, lifestyle planning and stress reduction. In addition, the blood test package is more extensive than is usually offered. After the annual physical, a personal wellness plan will be formulated and implemented throughout the year. Each patient will also receive a personal health record mini CD-ROM, which is approximately the size of a credit card, and contains the results of your physical examination, lab tests and EKG.
How is the PDC different from an executive physical?
Membership in the PDC offers many of the same services that an executive physical provides, though the tests and labs may not all be done on the same day. All appropriate screening and preventive services that are done in an executive physical are also provided for in the PDC. What makes the PDC different than an executive physical is that your physician provides ongoing medical care, implementing the wellness plan throughout the year as well as dealing with any acute illnesses that may arise, whereas the executive physical only provides medical care for one visit and possibly a follow-up appointment.
Do I have to pay the annual fee all at once?
No. A quarterly or monthly payment plan is available. You can pay by check or have setup a recurring payment using an American Express, MasterCard or Visa card.
Does my insurance cover the annual fee?
Most insurers view the preventive care services included with the annual fee as non-covered services and, therefore, do not reimburse the annual fee. You should not join the PDC expecting any reimbursement for your annual fee.
How does this work with my corporate benefits plan?
The annual fee for concierge medical services from PDC can be paid through employer Section 125 plans, and is compatible 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). Depending upon the type of plan in which you participate, the physician can provide you with a statement for your benefits administrator upon request at the time of your physical examination.
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