How much is your annual retainer fee?
It varies mostly based on age and need for home visits, contact our office to discuss your individual situation.
Is there a charge per visit?
No, the retainer covers all of our services for a full year.
What's included in the fee beyond physician services?
Basically, any service we provide to you in the office, online or via telephone. These include: an annual comprehensive medical examination; unlimited office visits; gynecological screening exams; nurse evaluations; electrocardiograms; spirometry; audiometry; blood draws; INR testing; urinalysis; pulse oximetry (oxygen testing); strep testing; flu testing; pregnancy testing; routine vaccinations (flu vaccines, tetanus, pneumovax); B-12 injections; PPD testing; and intravenous fluids. Some vaccines not listed above may need to be special ordered and are not included in the annual fee (e.g. hepatitis, shingles vaccines.) We may be able to provide these at cost for your convenience; otherwise we will help you find the best place to obtain them.
Do I still need health insurance if I join WIM?
Yes. Our services do NOT take the place of health insurance coverage. WIM is a primary care medical practice, not a health insurance program.
Will my current health insurance program reimburse my annual fee?
Unlikely, but certain Health Savings Account (HSA), Flexible Spending Account (FSA) and Medicare Medical Savings Account (MSA) plans may be used to pay all or part of the annual fee. We suggest you speak with the Human Resources Department where you work, your insurance agent and/or your accountant.
Do you accept Medicare or any health insurance plans?
No. We do not participate in any health insurance plans and have opted out of the Medicare program. We do not submit any bills to Medicare and Medicare will not reimburse you for any part of our services. For private health insurance, we will provide an invoice for the annual physical, some of our patients have received reimbursement for this.
Can I still join WIM if I’m a Medicare beneficiary?
Yes. However, you must sign a waiver acknowledging that we, as your physicians, will not bill Medicare for our services and you, as our patient, will agree not to seek compensation from Medicare for such services.
What about coverage of lab tests, X-rays, MRIs, specialists, etc.?
ALL ancillary services you needs such as blood tests, x-rays, CT-scans, specialty consults, etc can be ordered by us and will be covered by your plan. NO additional paperwork or filing will be required by you, we take care of making sure your insurance information is on file and all pre-certifications or prior authorizations needed. The services covered by your health insurance plan will not be affected by our insurance status. One exception to this may be if you hold a plan on the ‘exchange’, please call us for clarification.
What if I have to be hospitalized?
We hold privileges at Norwalk Hospital, but will visit any hospital to which you are admitted. We use the services of hospital-based specialists (“hospitalists”) and provide ongoing communication and oversight of your care with all specialists and hospitalists during your hospitalization. We will also stay in touch with you and your family throughout your hospital stay.
Will my health insurance plan still be billed for my office visits?
No. We will not be participating in any commercial or government-sponsored plan but will provide an invoice for the annual physical you can try to submit to your private health insurance plan, but not Medicare.
Is the annual retainer tax-deductible?
You should consult with your accountant or tax advisor to determine if it is deductible.
Who will serve as my covering physician when my doctor isn’t available?
When one of us is unavailable, we will serve as the covering physician for each other’s patients. However, even when we’re not in the office, we will generally remain available by phone or website to our patients. For practical reasons, each of us must reserve the right to designate another qualified physician to perform any and all services should the need arise.
What happens if I change my mind about staying with your practice after I enroll or I unexpectedly have to move away?
We will help you transfer to a new primary care physician at any time. If you decide to cancel your membership in WIM, your annual fee will be prorated (please refer to our Patient Agreement). By law, we require a signed medical release in order to transfer your medical record.
Will I be required to pay my annual fee even if I do not use your services?
Yes. Paying your annual fee gives you access to the practice, regardless of whether you are sick or well. We strongly encourage you to come in for your annual preventive health consultation and follow up office visits as recommended by your individual physician.