Because we do not accept any insurance plans, we will be considered out of network. We can upon request provide you a claim form for office visits. Then you may try to file a claim yourself and potentially be reimbursed for out of network benefits. This would only apply if your insurance plan provides this type of coverage.
There is a one time $100 enrollment fee. The fee is waived only for prior Palma Ceia Family Care patients who converted to Xcelsior Health.
Yes, you may cancel at anytime at no additional charge. Please keep in mind that the enrollment fee is nonrefundable and any discounted services through third parties may be able to charge you full price for any pending lab work.
Because we are a membership only practice, we do not offer the payment option per office visit. We find that fee for service only promotes shorter, hurried visits and increases the risk something can be missed.
Great question and one we receive frequently. Please keep in mind there is a difference between healthcare and health insurance. Direct primary care is health care and not health insurance first and foremost. We are able to provide you 80-90% of the care you would need. Most insurance plans now have copays and high deductibles that can often times exceed the cost of an annual membership. In addition, health insurance promotes volume over valued care. Hence, most primary care practices can only offer very short visits and long waiting times. We still feel you need some type of coverage should a catastrophic event occur, such as the need to go to the ER or a hospitalization. Because we can provide same day visits and more time with our patients, you are much less likely for the need to be hospitalized or have to go to the ER. Lastly, we are better able to meet the needs of your busy schedule. So we ask you, how much do you value your time?
Although we may often be compared to concierge medicine, we are technically different. For starters, we do not charge the high fees that concierge medicine charges. In addition, we do not bill your insurance on top of your membership fees. The high fees of concierge medicine allow for some practices to do expanded services such as house calls.
We offer vaccines at cost. However, we utilize a third party company, Vaxcare, who can bill your insurance for any vaccines that you may need.
Yes, we can provide scheduled virtual visits at no additional charge. These types of visits work great for chronic management type of visits. We would encourage office visits for an acute issue but we may triage your questions via texts if desired.
Based on the option you want, we can accept automatic payments monthly or you can obtain a 10% discount by paying your annual premium in full.