
The physicians and staff at Fort Myers Family Medicine appreciate the opportunity to provide your medical services. We want to strengthen communication between our office and you, our patients. Our staff is fluent in English, Spanish, French, Tagalog and American Sign Language! We plan to introduce you to our office staff and the new services we are offering so we can better serve your health care needs. You are our reason for being here and we want you to know just how important you are!
The development, implementation and delivery of a comprehensive, high quality, and yet affordable healthcare product requires extremely complex data collection, intense risk assessment and actuarial/statistical analysis that defies comprehension by the average person. Only with this data collection can insurance companies calculate risk and provide healthcare coverage for catastrophic illness as well as preventative care and treatment of minor health problems, The trade-off between data collection cost and the benefit of comprehensive health care should not be construed as an issue of discussion here. The following paragraphs merely describes the rationale used at Fort Myers Family Medicine to arrive at the Elective Full-Pay cost out.
When a medical office files medicare, private insurance, health savings accounts, or high-deductible insurance claims, the following expenses are incurred:
The development, implementation and delivery of a comprehensive, high quality, and yet affordable healthcare product requires extremely complex data collection, intense risk assessment and actuarial/statistical analysis that defies comprehension by the average person. Only with this data collection can insurance companies calculate risk and provide healthcare coverage for catastrophic illness as well as preventative care and treatment of minor health problems, The trade-off between data collection cost and the benefit of comprehensive health care should not be construed as an issue of discussion here. The following paragraphs merely describes the rationale used at Fort Myers Family Medicine to arrive at the Elective Full-Pay cost out.
When a medical office files medicare, private insurance, health savings accounts, or high-deductible insurance claims, the following expenses are incurred:
When a patient has contracted with a "High-Deductible" insurance plan or a "Health Savings Account", to receive credit from the insurance company for that payment, the patient/medical office still incurs the administrative overhead expenses by utilizing expense categories # 1, 2, 3, and #5. When their deductibles are met and all payments (for contractually covered services) are the obligation of the insurer, then expense categories # 1, 2, 3, 4, and #5 are required for the medical office to collect it's payments for services.
BY Contrast, when an Elective Full-Pay patient pays either by cash,
or credit card in full, at the time of service, expense categories #1
is 95% eliminated, #2 is 95% eliminated, #3 is totally eliminated, #4
is totally eliminated, # 5 is totally eliminated.
If payment in full
is not possible, then a rate increase for the remaining debt is necessary
as that debt will require utilization of the above expense categories.
What Fort Myers Family Medicine intends to do is bill the patients only for the practice costs they actually utilize, provide Transparency to assist the public with the transition to consumer-driven health care reform, and to avoid "cost-shifting".