MetroMed Direct Care is a patient-focused Direct Primary Care (DPC) medical practice delivering family health care that is immediate, thorough, affordable and custom tailored to your specific needs. Unlike a traditional family practice with 2,500 to 4,000 patients, our practice has a limited patient panel of less than 1,000. This allows our doctors to spend the time needed to get to know you, your family and your medical history. Our vision is to improve the value of our patient’s lives. To achieve this vision, we need our doctor to be in control of all medical decisions and not an insurance bureaucrat. MetroMed Direct Care does not accept any commercial or governmental (Medicare/Medicaid) insurance.
What Makes MetroMed Direct Care Different?
MetroMed Direct Care will enjoy a superior health care experience that is focused on what’s best for you and not controlled by your insurance company. By refusing to allow any interference with the sanctity of the patient/physician relationship (like government or commercial third-party insurance), we have returned family practice medicine to its root values of clinical excellence and compassionate care for each patient. We promise accessibility, convenience and affordability in every encounter with MetroMed Direct Care.
Will I Still Benefit From MetroMed Direct Care Even If I Don't Require Frequent Medical Attention?
Absolutely! Our patient-centric culture inspires an overall healthy lifestyle and delivers services that create a valued care experience. Patients that require intense chronic care management obviously benefit from the custom-tailored and physician-monitored care plan. For our most healthy patients, we are devoted to the maintenance of your good health and delivering the enhancements to your daily experience that only physical well-being can bring.
Building and maintaining a long-term relationship with your family doctor is invaluable. The knowledge that your doctor gains about you over the years, coupled with the trust the two of you build together, results in the most cost effective medical care with the highest quality.
Even if you are currently healthy with no medical issues, in wellness and therapeutic care alike, the greatest ally is time. Precious, irretrievable time that can be provided to you as you desire. Whether in-person or remotely through email, cell phone or webcam, access to your physician in a timely basis is always our primary goal. Our doctors are thoughtful, patient and thorough in answering your questions. As the months and years go by, we’ll build comprehensive and intimate knowledge of your health that will be invaluable as you age and your health needs change. Every member of MetroMed Direct Care receives an annual comprehensive physical exam designed to not only improve but in some cases save the lives of our members. For new members it allows your Primary Care Physician (PCP) to establish a baseline for your health status and identifies any problems or potential issues that may need immediate attention. Then, as the years go by your health profile is updated and ensures early detection of any risk factors for cardiovascular, diabetic and other chronic conditions such as high PSA count, high blood pressure, blood lipids, etc.
Does MetroMed Direct Care Accept Health Insurance?
Thankfully, happily, and unequivocally, no.
The most critical distinction you will experience with MetroMed Direct Care is the direct, personal relationship that is developed between you and your doctor. We promise and commit to you that this relationship is unaffected by any outside influences, including insurance companies. While the tender mercies of an insurance company might apply to fixing a damaged fender on your automobile, we see no reason for any insurer to determine the quality, the direction or the cost of your family’s health care.
Insurance companies have a place in managing serious health care issues but not in everyday health care. We decline insurance reimbursements in order to save our patients from the arbitrary and intrusive decisions that inevitably occur with third-party payers and enable us to spend the time needed to provide a superior care experience.
Reimbursements from commercial insurance are usually based on a multiple or discount off the Medicare fee schedule. As we all know, Medicare reimbursement, especially for primary care, is going down every year. This downward pressure on reimbursement is forcing doctors to work longer hours and carry larger patient panels to maintain their practice. This means less time with each patient, no opportunity to fully understand their patient’s situation and as a result, the physician has to either write a prescription or refer the patient out to a specialist. In addition, most people don’t realize that the administrative overhead of accepting insurance adds two to six hours of paperwork to the physicians’ day (for which they are not being reimbursed) as well as 40% to their expenses to bill and collect these reimbursements. Declining insurance also frees us from the typical contractual agreements that would prevent us from offering you wholesale prices on laboratory tests, imaging and medications.
As a Patient of MetroMed Direct Care, Will I Still Need Health Insurance?
Our monthly patient retainer fee does not include the services and resulting costs incurred from providers outside of MetroMed Direct Care. We strongly recommend that you continue to carry both a major medical plan and a health savings account. Although your MetroMed Direct Care membership includes access to our discounted cash pricing network of specialists, imaging and labs, you should maintain insurance coverage for any catastrophic medical issues including hospitalization or treatment by specialists. Purchasing a high deductible health care plan with our monthly membership is generally less expensive than purchasing the standard PPO plan.
Medical sharing plans, such as Liberty Direct, are always welcome and help cover specialist visits, hospitalizations, and catastrophic events.
Can You Help Me Find Affordable Insurance?
Absolutely. We would be happy to work with you in building a custom health care insurance plan. We have relationships with insurance companies that are able to develop very practical plans that remove much of the waste and inefficiency from a typical policy. Families can save hundreds of dollars a month and employers can reduce their costs 20%-30%, or more. Self-insured employers will realize even greater savings from the reduction in utilization of the more expensive aspects of health care delivery, including referrals to specialists, ER visits and hospitalizations (number, length of stay and readmissions). Direct Primary Care with MetroMed Direct Care, combined with a high deductible wrap around policy, is not only an affordable health insurance alternative, but also provides a significantly higher level of patient care. Please give us a call to see what we can do for you.
If I Have Medicare, May I Still Join MetroMed Direct Care?
Yes. You only need to sign a one-time waiver, declaring that neither you nor your doctor will directly bill Medicare for our services. Medicare will still cover any laboratory testing, imaging, medications or hospitalizations prescribed by our offices.
Is My Membership to MetroMed Direct Care Tax Deductible?
Unfortunately not. In most states, your retainer is currently not defined as a “medical expense.” Feel free to consult with your tax consultant to clarify tax consequences in your particular circumstances.
What Happens If I Need to go to the Hospital Or See a Specialist?
In providing a superior care experience with unrestricted access to your doctor, MetroMed Direct Care seeks to prevent and/or reduce hospitalizations and specialty referrals. However, when an admission to the hospital or a referral to a specialist is required, we are by your side. Your doctor is already intimately knowledgeable of your health issues and will closely coordinate your care with the hospital and any specialist. Your doctor will conduct a pre-admission call to the hospital to make proper arrangements. When referred to a specialist, your doctor will write or call the specialist and communicate with them directly. They will discuss why you are being referred and any past medical history that’s applicable. All imaging and tests results will be forwarded. As appropriate, your doctor works in coordination with all specialized caregivers required to manage your treatment.
Your visits for hospital services are taken care of according to the terms of your medical sharing program (Liberty Direct) or catastrophic insurance coverage.
Can Children Become Members of MetroMed Direct Care?
Yes, we accept dependent children of members under our family plan. Up to 2 children are covered in the cost of a family plan. Additional children (under 18 years of age) are covered for an addition $45 per child per month for families who are members. Children whose parents are not members are covered for $50 per child per month. We provide routine children's vaccinations at a modest fee or free if your child qualifies under Florida's Vaccines for Children Program.