Criticisms of retainer medicine

26 Dec
2007

I have quickly found two prominent critiques of retainer medicine.  Both critics dismiss the message of the retainer medicine movement, rather they assume that the alternative to retainer medicine is practicing with the under-served.

The problems of the under-served are complex, but we should not blame physicians who are providing high quality medicine to those who want to pay extra.  Could we not just as easily criticize all the subspecialists, dermatologists, radiologists, etc. for not entering primary care?  Unless we have a fully socialized medicine system which tells you what specialty you can do, how can we criticize a general internist who chooses to practice in a way that his patients desire and fund.  Afterall, most retainer fees cost less than 1 pack per day – and an amazing proportion of our population finds the money for their nicotine habit.

Troy Brennan, in a JGIM editoral, states:

The bad news is that every unfortunate, yet predictable, side effect of the concierge practice has come true. The concierge doctors do tend to build their practices by shipping those who cannot pay off to other doctors. Those transferred patients are more likely to be Medicaid recipients. What was not necessarily predicted might be even worse news. The concierge doctors are getting rid of their sicker patients (at least those with diabetes). And they are not as likely to care for patients of color, raising concerns about worsening racial disparity in care. If it were to grow in popularity, concierge medicine would likely push more patients of color, poorer patients, and sicker patients into the remaining primary care practices.

Here he criticizes the physicians on the basis of discrimination.  Should he not rather understand the driving forces here.  He admits that we have serious problems in outpatient medicine:

Fortunately, it has not caught fire. But we cannot be complacent as the field of primary care appears to be set for a conflagration. The decline of interest in primary care internal medicine demonstrated by residents is striking,3 although not surprising. Long practice hours with relatively poor reimbursement, lack of significant exposure to primary care in training programs, and fewer mentors capable of exciting interest in the field are all factors that contribute to this sense of malaise. The result is that while other areas of medicine are growing and practitioners thriving, primary care internal medicine is moving toward crisis. If this decline in interest persists, most primary care practices will be completely reliant on the pool of foreign educated physicians to find replacements, and that supply may be tenuous as well.

Note that he has no problem expressing prejudice against foreign educated physicians.  I suspect that he does not even realize that he commits a major insult here.

Thomas Bodenheimer in the NEJM has this quote in an otherwise excellent article:

  Yet these efforts have touched only a fraction of primary care practices, with small private offices offering the greatest challenge. Moreover, these models have not sufficiently confronted the reality that primary care physicians lack the time to provide all evidence-based preventive and chronic care services for the average patient panel.4 This problem is addressed in a misguided fashion by concierge practices with small patient panels. Such practices are rarely available to lower-income patients, and if the approach were widely adopted, the primary care workforce would become grossly insufficient to care for the entire population.

He throws in this “misguided” quote without further explanation.  He assumes that all readers view this movement with indignation, as does Dr. Brennan.

I urge these authors and their ideological colleagues to look beyond the trappings.  I urge them to perform a thought experiment.  Why are patients increasingly willing to pay?  Why are highly ethical physicians opting for this style of practice?  If they are honest, they will find some truths that knee jerk opposition obscures.

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Related posts:

  1. I disagree with @DrVal – retainer medicine is the answer
  2. In which I continue my debate with Dr Val
  3. Retainer medicine – no longer a novelty
  4. Retainer medicine – from 7 years ago
  5. In which I respond to angry comments

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15 Responses to Criticisms of retainer medicine

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haroldpurplecrayon

December 26th, 2007 at 9:39 am

tryo brennan of aetna?

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Steve Lucas

December 26th, 2007 at 11:31 am

What the two authors fail to address is the simple fact of: It is my money, I can do what I want with it. The Canadians tried a system where all private medical care was forbidden, and when the system collapsed, and people sought to pay for medical care in their region, the court’s declared they had a right to purchase care with their personal dollars.

I do not agree that if everyone has bad care we have a just and proper system.

Steve Lucas

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ddxdxx

December 26th, 2007 at 11:58 am

“Could we not just as easily criticize all the subspecialists, dermatologists, radiologists, etc. for not entering primary care?”

I do. I believe the high cost of care and the poor quality of American medicine(I can offer citiations if you need them) can be directly laid on the fee for service structure and the proliferation of Medicare driven highly compensated procedures.
So, as you are arguing in trying to maximize the benefit of self interest, that is, patients motivated by their pocketbook will be more likely to have healthy behaviors, so the American Medical system has had the migration of physicians to high paying specialties that reflects their own self interest…..
Of course market forces are at work. They always will be. But medicare has driven the rewards by it’s Committee developed prices, and concierge care is a weak atttempt to use these forces for the good of the primary care doctor, who doesn’t have a competitive procedure.
see: “Demand the supply”,
http://www.poemd.blogspot.com

Sorry. I just have a different vision of what health care should be. You might want to read “The Citadel” by Cronin. Early 20th century medicine in England. Now THAT was concierge care…..

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over my med body! » Ethics of Retainer Medicine

December 26th, 2007 at 12:03 pm

[...] From Med Rants, about retainer medicine: I urge these authors and their ideological colleagues to look beyond the trappings. I urge them to perform a thought experiment. Why are patients increasingly willing to pay? Why are highly ethical physicians opting for this style of practice? If they are honest, they will find some truths that knee jerk opposition obscures. [...]

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Chris Ewin, MD, FAAFP

December 26th, 2007 at 3:03 pm

As immediate past-president of SIMPD, I felt important to make some comments about Troy Brennan’s comments (which are welcomed)..
Over the past 4-5 years, the SIMPD movement has changed. (We were the American Society of “Concierge” Physicians. The term Concierge was termed originally because some of the earlier models were started in areas oh higher net wealth…However, some of have very fair pricing. (eg…my new patient this week with IDDM.HgA1c 13/HTN/Cholesterol-350 pays ~$225/mo cash for his cigarettes and I charge him ~$117/mo…) There are many Emerging Practice Styles involved in SIMPD…The residents and students involved are excited that Phyicians are actually taking back medicine instead of complaing about it…See below..
Also, you may be interested in a 5 minute interview omn our website..www.simpd.org…Our Next Annual conference is May 4-6, 2008 at the Venetion in Las Vegas…The “how to” conference May 4 is really helpful for those interested in doing this and those that want to fine tune their practices…We share our knowledge…
The government, insurers, employers and Congress have NO CLUE how to fix your practices….
I would be very interested to see how many patients Troy is seeing a week in his primary care practice and what kind of pricing system he has…how many staff…overhead…etc…Please respond..
Chris Ewin, MD

________________________________________________

EMERGING PRACTICE STYLES:

Direct Practice Models and SIMPD

Faced with continued declines in reimbursement, rising practice costs, and growing pressures to see an ever-larger number of patients just to break even, more and more primary care physicians are starting to realize that they have been working for the wrong employer for too long. Physicians should be working for patients, not the insurance industry or the government. And patients should be determining where, when, and how they get their care…not the government or insurers. Third parties are the problem. They are data collectors and they want physicians to do the work for them much like the pharmacists do for the pharmacy benefits organizations. It’s inefficient and the patient-physician relationship suffers.

The Society for Innovative Medical Practice Design is a physician-led 501 C (6) trade organization of healthcare providers who advocate a direct financial relationship with their patients in order to restore the integrity of the patient-physician relationship. These “direct practice” models include:

• Fee for service model (traditional) – patients pay a set fee directly to physicians for visits or other services.
• Fee for care model (retainer) – patients pay a fee, often based on age and paid monthly, quarterly or yearly, for unlimited access to a primary care physician. Patients get access to the physician’s cell phone, home phone, free e-mail, and same day service. Because physicians in retainer or concierge models treat far fewer patients than those in a traditional practice, they are able to spend much more time with patients. Appointments are obtained faster as well, and patients spend less time in the waiting room.
• Fee for non-covered service model (hybrid) – a hybrid model wherein physicians charge access fees for services that Medicare and insurers won’t pay. They usually bill Medicare and insurance companies for patient visits.

Our primary care model has been broken for more than 40 years, and it is only going to get worse as fewer and fewer medical students enter primary care disciplines. Direct practice models offer a solution for improving access to high-quality primary care while reducing costs. Why? Having health insurance does not provide anyone with access to quality healthcare. Patients need a medical home. They need someone to call ‘their doctor,’ someone who is well-trained, trusted, and board-certified and can guide them through the system…a project manager in business speak. Traditionally that has been a primary care physician – a doctor trained in internal medicine, family practice, or with the aging of the baby boomers, a geriatrician.

Direct practice models can attract more young physicians to primary care practice because they demonstrate that primary care can still be practiced in a way that is professionally and financially rewarding. Such models get physicians out of the business of “hamster medicine” and away from the prospect of spending countless hours on paper work and data entry. Instead, they can spend their days building close relationships with their patients.

Overhead is reduced by as much as 20 to 50 percent when a practice is not dealing with insurers and multiple billing systems. Mountains of paperwork and countless phone calls regarding coverage and reimbursement issues are eliminated, so the practice can function with less office staff and smaller offices.

The Role for Legislators and Insurers

Physicians need to take the lead in establishing direct practice models, and hundreds have done so already. There are roles for legislators to stimulate acceptance and growth of direct practices by physicians and patients. Congress should pass laws that allow annual pre-paid physician fees to be included as qualified medical expenses on health savings accounts. Such incentives could simplify the way healthcare is billed and paid for and ultimately reduce costs. Patients would have one bill on pre-tax dollars that covers unlimited access to primary care without the hassles of third parties.

On the insurance side of primary care, the financial efficiency of direct practices is optimized by eliminating the middle man and the unnecessary burden of massive coding and micro-billing. Direct practice physicians should avoid contractual relationships with insurers that reestablish their power to control and suffocate primary care. There is no good economic reason for insurers to be involved in financing primary care except to maintain their control of every medical transaction. In all respects, it is money wasted on both the insurance and physician sides of the equation. It almost doubles the cost of primary care with no value added.

Healthcare should be covered the same way your house is. It is one of your biggest assets. You buy catastrophic insurance for the big events, like a fire, but you don’t use it to mow your lawn. You pay out-of-pocket for routine maintenance. The same is true with automobiles. You don’t use insurance to buy gas. Applying the same ideas to healthcare, patients would buy catastrophic insurance to cover the costs of specialists and hospitalizations, but would pay out-of-pocket for the services of a board-certified family physician, internist, or geriatrician to take care of 85 percent of their needs and keep them OUT of the hospital.”

Great Care for Dollars a Day

Easy access to quality care is affordable, but someone has to pay. And it can be cheaper than cigarettes. People will pay $5 a day for a pack of cigarettes, which amounts to more than $1,800 per year. It is up to the consumer to determine if that money is better spent on securing 24/7 access to a trusted, board-certified physician.
But it is up to physicians to make these models available to their patients. The time to act is now to transform primary care in this country. Physicians need to act decisively to take back the high ground and find a way to offer patients excellent care at a price which they can afford. Otherwise, the future will be guided by insurance companies, government and employers, and will likely produce medical care that is even more dysfunctional as the number of medical students choosing a career in primary care declines. What a tragedy.
Chris Ewin, MD, FAAFP is from Fort Worth, Texas and started One To One MD in 2003. He is immediate past-president of SIMPD and can be reached at cewin@121md.net.

For more information about direct practices, visit http://www.simpd.org. or call 877-448-6009.

Chris Ewin, MD, FAAFP
Immediate Past-President, SIMPD
http://www.121md.net
http://www.simpd.org
817-423-5121 off

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Chris Ewin, MD, FAAFP

December 26th, 2007 at 3:06 pm

In terms of Ethics, please note our Ethical Principles on the SIMPD website. Chris Ewin, MD

____________________________________________________________

Society for Innovative Medical Practice Design
Ethical Principles

Preamble

Medical practice presents the potential for situations in which the interests of the physician and the patient do not coincide. Ethical principles have always served to guide physician behavior and to protect patients interest and wellbeing. Every practice model is liable to present ethical challenges, and all physicians, regardless of the way that they are compensated, are bound to follow the same professional ethical principles. Novel medical practice models may present previously unconsidered ethical challenges. These challenges call for new guidelines to clarify ethical physician behavior and to protect patients. Novel medical practice models may also discover new ways to align patient and physician interest and to deliver care with fewer potential ethical pitfalls than existing models.

In its mission to support and promote innovation in medical practices for the betterment of patient care, the Society for Innovative Medical Practice Design affirms the following ethical principles for all physicians.

Statement of Ethical Principles

A physician shall act in accordance with the AMA Principles of Medical Ethics.
A physician in a retainer practice shall act in accordance with the AMA Ethical Policy for Retainer Practices.
A physician shall be keenly aware of potential conflicts of interest which result from receiving third party remuneration, whether from insurers, pharmaceutical companies, from the state or federal government or from research grants. Physicians should make these potential conflicts known to their patients whenever they may affect the ability of the physician to act purely in the patient s best interest.
A physician shall strive to work in practices that align physician financial incentives with patient interest.
Providing uncompensated care, except in an emergency, is not ethically mandatory. However, uncompensated care of the indigent is profoundly praiseworthy. We invite every physician to volunteer to provide such care in an amount that is in accordance with that physician’s highest calling to perform charitable acts.

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James Gaulte

December 26th, 2007 at 3:33 pm

Is Dr. Brennan lecturing physicians on proper medical practice morality and professionalism in his role as Chief Medical Officer of Aetna? It would seem to me that his fiduciary duty to his employer,a very large medical insurer,would not allow him to do anything but criticize arrangements between physicians and patients that are completely divorced from and not under the control of insurance.Acting in the capacity as Aetna CMO his comments are understandable.I have a problem with his conflating medical professionalism with what is in the best interest of the insurance business.

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anonymous

December 26th, 2007 at 5:21 pm

+1 dr. gaulte

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Nurse K

December 26th, 2007 at 5:45 pm

Such practices are rarely available to lower-income patients, and if the approach were widely adopted, the primary care workforce would become grossly insufficient to care for the entire population.

If something is not widely available to lower income people, that does not mean that something is evidence of racism. I doubt that a black executive or upper-income person would be denied as a patient as long as he was willing to pay. Are the executives of Mercedes Benz or yacht manufacturers racists too or are they just selling products tailored to a certain demographic? Maybe we should all drive Fords and only use canoes. If someone wants to pay for this medical service, they should be able to. If there are not enough people willing to pay, this style of medicine will cease to exist along with yachts and expensive cars. It’s called….capitalism.

To me, automatically equating lower income and sickness with black people is more racist than anything else. Each black person is an individual, ya know.

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Medical humanities

December 27th, 2007 at 3:12 pm

As one who is writing a dissertation on concierge medicine, I find the up-tight responses quite interesting. Potential patients, however, have quite different responses when they ask me “What is concierge medicine?” When it’s explained to them, their eyes light up, and they say “You mean, like it used to be?” Their next response is: “I’d pay for that!” More to the point, retainer medicine is not new. Evidence is found of what is essentially retainer medicine all the way back to the Talmud, and relatively more recently in 13th Century Spain. Nothing is new under the sun. We don’t blink when lawyers or accountants use a retainer; why the negative response for physicians?

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Chris Ewin, MD, FAAFP

December 27th, 2007 at 3:30 pm

Nurse K..Thx for your insight..Fee For Care models are not necessarily for the “rich”. It’s up to the marketplace for patients (consumers) to value what is best for themselves. Many of my patients have no jobs, no income, etc…But they choose to spend $225/month for their cigarettes…It’s funny the insentive for them to help them stop when price is only $117/month..Health care does not have to be expensive and tit’s the consumer, not the insurers or the government who should determine the value and the price…

By the way, we have gotten away from the term “concierge practice” although some use the name in different markets..As noted above…se use the term “direct practices” b/c we have a direct finacial relationship with our patients…Chris

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over my med body! » Retainer Medicine Rally With Dr. Centor

December 27th, 2007 at 4:04 pm

[...] having a great debate on the subject of retainer/concierge/whatever medicine, starting with piece by Dr. Centor, an internist I high respect. I fired back this piece and now Dr. Centor has responded. I must give [...]

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medicine » Blog Archive » Comment on Criticisms of retainer medicine by Medical humanities

December 28th, 2007 at 1:53 am

[...] Read the rest of this great post here [...]

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Zola Ivy

March 4th, 2008 at 5:56 am

I try to maximize what the patient is receiving for the concierge fee to include consultation with a dietitian, personal fitness consultation ans massage therapy. I enjoy the time that I am now able to spend with each patient personally overseeing their healthcare. Instead of delegating some of the responsibilities to the office staff for such things as
ordering of diagnositic test and scheduling consultations with specialist, I am able to do these personally.I agree with the comment that patients in this type of practice receive a better continuity of care just for the simple fact
of the physician having more time. I know that others in concierge medicine are studying this fact and preliminary data would
suggest that endpoints are improved such as a decrease in hospitalizations. I will be awaiting further data on this topic.

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Dr Andy

April 22nd, 2008 at 10:47 pm

I left a busy group practice in Fort Myers, Florida in 2005 to start my house-call based concierge practice. Originally I tried to deal with insurances but since none pay for house-calls, and Medicare only reimburses minimally, I couldn’t make it viable. In our area it’s not uncommon for me to drive 30-45min between visits and I typically spend 45-60min with a patient. Hence I was drawn to the concierge business model. I am still the ONLY concierge physician in South-West Florida exclusively making house-calls in Lee and Collier counties.
No mistake, my services are a luxury item and convenience for most of my patients. I charge $2000-$6000 a year per person, depending on age, size of family, and location.
I know it’s not the answer to our health care crisis, but I certainly love my job again! Besides I get to see my kids more.
Two other key points for the lay-person to understand. Just because I charge above what insurance pays, doesn’t make me rich. I actually made less than our city pays bus drivers for the past 2 years, although admittedly the potential is significant. Also, even though most of my patients are the “rich and famous” of our area, doesn’t absolve me or any concierge physician of our responsibility to the community. In fact this is a responsibility of each of my patients as well.
I continue to be an active office in the US Army Reserve, chair the Health Advisory Committee of the Lee County School District, volunteer as a Guardian ad Litem serving abused and neglected kids, teach Head Start program moms about child care, etc…
No, concierge medicine isn’t for everyone, but it certainly has worked for me and my patients.

Andrew Oakes-Lottridge, MD
Personalized Health Care, Inc.
(239)694-6246
http://www.DrAndy.us

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