How Insurance Works at Prestige
For Patients with Traditional Insurance
We are pleased to offer you urgent or injury care services at our facility. Our membership model prevents us from accepting traditional insurance coverage as payment for service. Therefore, you will need to pay the full cost of your visit at the time treatment is provided. However, Prestige staff members can then help you submit an out-of-network claim to your insurance carrier. In some cases, your insurance copayment may be as much or more than our charge for your visit. Depending on the nature of the visit, our facility charges are typically less than the copays for a Bronze Insurance Plan.
Prestige Membership is Not Insurance
Prestige Membership is not healthcare insurance. Our memberships work best when combined with a high-deductible insurance plan. Membership provides access to everyday healthcare needs, while high-deductible insurance provides protection against catastrophic medical events such as major surgery or hospitalization.
For Our Uninsured Patients
If you do not have insurance, you can access our urgent and injury care services whenever you need them on a fee-for-service basis. However, ongoing primary care services are reserved for our members.
Rightful Role of Insurance
Removing insurance as the middleman between patient and physician enables us to offer affordable everyday healthcare and provide a level of care that is not possible in a traditional insurance-based practice. Today, an average of forty cents out of every primary care dollar is spent on insurance billing costs. This overhead problem, along with shrinking reimbursement rates, forces physicians to see 25 to 35 or more patients per day simply to sustain their practice. Consequently, the average “face time” of a primary care visit is now seven minutes and rarely longer than fifteen. Additional insurance rules further constrain the patient-physician relationship.
These are simply a few of the reasons Prestige believes the most cost effective healthcare solution for the majority of the population is to combine a monthly primary/urgent healthcare membership plan at a local healthcare facility with a high-deductible insurance policy. Furthermore, we believe this innovative approach will soon become the new standard for healthcare. It better serves the needs of patients and restores insurance to its rightful role as protection against unforeseen and very expensive medical situations.