A "Concierge" or "Retainer Fee" medical practice is a relatively new type of medical service. Designed to treat a few hundred patients, as opposed to a few thousand,
this type of practice allows the patient and the doctor and unique quality of timely, highly personal, and comprehensive primary care. Paying one fee per year, with
no required co-payments, the patient can have access to Dr. Gray as often as needed throughout the year.
Services include accessible, competent and comprehensive medical care in a friendly and professional environment with an emphasis on patient-oriented service,
and a focus on primary prevention and health maintenance.
The enhanced ability to contact your physician 24 hours a day, 7 days a week.
Guaranteed same or next day office visits based on your schedule.
Personalized research conducted by your physician on your medical concerns.
House calls (as medically necessary and appropriate)
Personalized preventative care and "get well" plans designed to lead you to improved overall health and quality of life
Direct involvement of your physician should you be hospitalized or have an emergency
Enhanced comprehensive annual health exams
No to minimal waiting time for in-office appointments so your time isn't wasted.
Unlimited e-mail, FAX, and phone consultations with your physician to answer your questions.
Personal consultations with your physician to assist in interpreting the conflicting health information reported by the media.
Extensive documentation on health issues
Secure and private records
Unhurried, extended office visits so that your physician can spend more personal and quality time with you.
Diagnosis and management of acute and complex medical problems.
Superior prescription management, including FAXing your pharmacy, and active renewal of existing prescriptions.
The "annual physical", although beneficial, may not be sufficient to provide for a patient's unpredictable medical care needs. If you should become ill, the availability of a
personal physician in our community is limited. Rather than just a once a year "snapshot" of your health status, this practice offers immediate access to quality
year-round care whenever you need it. Because this practice cares for only 500 patients, we can offer a level of personal attention unavailable in a conventional
primary care practice. Patients joining this practice will receive something of value in return: confidence in their physician; peace of mind that they will receive an
immediate response if they have medical trouble or questions; assurance that the hassles, headaches and delays that they now encounter while negotiating the
medical system will be minimized for them.
As a courtesy to our patients who carry private insurance, our office will be happy to file claims for you. Any reimbursement from your insurance company will go directly to the policy holder. Reimbursement from your carrier will be determined by the provisions of your health care policy.
For many clients, your fee may be either reimbursable from a Health Care Reimbursement Accounts (HCRA), Health Savings Account (HSA), or be tax deductible. Please consult your tax advisor for specific details regarding your situation.
Dr. Andy Gray's retainer fee practice is not a substitute for your health care insurance. However, by participating in our program, your health insurance needs may
change and you may reap financial advantage by changing your current policy and/or tax strategy accordingly. Major medical insurance would be helpful to you.
*Note: Your health insurance costs may go down as you will no longer need primary care insurance coverage.
Dr. Gray will provide you with unparalleled primary care access and service, but will not cover hospital, emergency department, specialty services, or most
laboratory and/or imaging services.
Three suggestions are listed below. Of course, your situation and subsequent decisions should be discussed with your financial or tax advisor.
Increasing your health insurance deductible
Many healthy families have a PPO health plan, with a relatively low ($500 - $1,000) deductible. The premiums for such a service can be quite high.
As a patient of Dr. Gray's, most of your primary care medical expenses will be covered, so having a higher insurance deductible may be to your advantage.
Exceptions are specialty visits, hospitalization, laboratory services, and x-ray fees. Remember, you may visit Dr. Gray as often as you like, and you will never
be charged a co-payment!
By increasing your deductible, monthly premiums from your PPO health plan may be reduced significantly for you and your family.
Using a Health Care Reimbusement Account (HCRA) to pay for Dr. Gray's services
As an employee, you may have access to a Health Care Reimbursement Account (HCRA) as part of your benefits package. Such a program lets you set
aside a pre-determined amount which is pre-taxed for qualified medical expenses. Individuals may generally direct a maximum of $5,000 per year to
such an account, but if your spouse is also an employed (with such benefits offered), then together you both may contribute $10,000 total for the year.
*Note: You must carefully track your health expenses as the IRS requires that you forfeit any unclaimed money in your HCRA account after the closing date of the plan year.
Using a Health Saving Account (HSA) to pay for Dr. Gray's services
New in 2004, and providing opportunity for the self-employed, the Health Savings Account (HSA) is a combination of a tax-favored savings account
and a qualified high deductible health insurance policy. To qualify, you must have an approved plan with a $1,000 deductible for an individual or a $2,000
deductible for your family. Each year, you and/or your employer can contribute enough to cover 100% of your deductible (up to a maximum of $2,600 for
an individual or $5,150 for a family). As with a Health Care Reimbursement Account (HCRA), the money goes in before taxes (or is tax deductible), but
unlike a HCRA, a HSA accrues interest - tax free, rolls over to the next year, and is never taxed if used for qualified medical expenses!
As always, your situation and subsequent decisions should be discussed with your financial or tax advisor.
YES. A significant number of our patients are enrolled in the Medicare program. Medicare will continue to cover all normally covered expenses including, laboratory, x-ray, CT, hospitalization, and specialists care. Dr. Gray's retainer fee and office services, however, are not reimbursable by Medicare.
You will never pay a "co-payment" at a visit. There is no charge for in-office lab-work (strep screens, urinalysis, urine pregnancy tests, ect.). For services such
as out-of-office laboratory fees, radiology, services provided by specialists, and hospitalization, those services will be billed to the patients' insurance or forwarded
to the patient at a much reduced rate.
There are times that a patient may require a specialist's care. Dr. Gray will act as an aggressive advocate when you need a specialist, by expediting and ensuring
that you receive the best available appointment. If necessary, he can be available to accompany you to your appointment.
Yes. Many women prefer seeing their gynecologist, and there are occasions when specialty care is more appropriate. We will support and
facilitate your choice. However, Dr. Gray is trained and experienced in routine out-patient gynecological care. For more information
about services for women, please see our Women’s Health page.
An emergency situation should always be handled by calling 911.
Dr. Gray is well connected with the local emergency medicine system, and will want to be called/notified after you have arrived at the emergency room.
If you need to be hospitalized, Dr. Gray will continue to coordinate your care. Hospitalists and Specialists may also be involved in your care. Dr. Gray will still be
your primary physician, making hospital rounds on you at least once a day. (This service by Dr. Gray will not be billed to you, and is still considered part of your
retainer fee payment.)
Many of the families in our community are national or world travelers for business and/or pleasure. Most are not fully aware of the potential pitfalls of injury or illness overseas, and most primary care providers are unfamiliar with the issues of travel medicine. Our office will research the area you are to travel to, minimizing your risks through updated immunizations, precautions for health risks in the regions, and specific advice on International SOS assistance.
Should you forget to pack your medications, or should
you get sick while away from home, call Dr. Gray. Our electronic record system will allow rapid access
to your medical information and prescriptions. He can then order medications that you need for the time period that you are away, order antibiotics for you, or advise you on the appropriate action to take.
If you must transfer your care from Dr.Gray, your medical records will be promptly sent to your new physician upon receipt of your signed Medical Release
Form. The balance of your retainer fee will be pro-rated and refunded to you.
Dr. Gray will be available to his patients 365 days a year, an unprecedented professional commitment made possible only by the restricted number of patients under his
care. Outside of office hours, your calls will always come directly to him (via pager or answering service), and he will respond ASAP to your call. For minor or routine
problems, treatment can often be performed over the phone. Only when he must travel out-of-town, and not physically be able to attend your needs, another excellent
physician will provide for your hands-on care.