How Our Practice Works
Do you accept insurance?
We do not accept insurance, but still have patients with insurance and Medicare. Our practice is not trying to replace insurance, rather it is aimed at keeping you out of the Urgent Care, ER, and Hospital. Even those with health insurance are subject to thousands of dollars of out-of-pocket costs before the insurance truly kicks in. Our pitch to our members is straightforward.
Quality of Care: Our quality of care is going to be high as we can limit our practice size by operating outside of insurance.
Aligned Incentives: Our financial incentives are aligned with our members. The healthier you are, the more financially successful our practice is.
Whether you see us once in three months or twice a week our members pay a flat subscription fee. Unfortunately, under most healthcare insurance-based business models, a perverse financial incentive is often created due to “fee-for-service” billing. The more appointments, tests, etc a provider orders the more they can bill. We aren’t saying all providers do this, but there are many well-documented incidences of this being the case.
Why don’t you accept insurance?
Over the past decade, the cost of healthcare has gone up significantly, even for those who have employer-sponsored health insurance plans. According to data from the Kaiser Family Foundation’s annual employer benefits survey the average annual premium for employer-sponsored health insurance in 2019 was $7,188 for single coverage and $20,576 for family coverage. The Kaiser report notes the average premium for family coverage has increased 22% over the last five years and 54% over the last ten years, significantly more than either workers’ wages or inflation. While employers often pay for a large portion of their employees insurance premiums, the amount individuals are responsible for is steadily increasing. In addition, many plans now carry high deductibles where employees have to increasingly spend more out-of-pocket until the insurance kicks in. Layer on to this situation incidences of surprise billing and frustrations around the quality of care and you have an unfortunate combination of dynamics that has people increasingly worried about the cost of healthcare rather than their own health! Physicians and other healthcare providers are also increasingly being forced to see more patients every day in order to make their practices financially viable. Increased bureaucracy related to health insurance and billing administration continues to get more complex and is consuming more of a physician’s time. This decreases a physician’s time with the patient and decreases his or her accessibility. In fact, physician burnout rates are hitting all time highs, increasing significantly from 45.5% to 54.4%, according to a study by the The American Journal of Medicine.
We founded Click2MD to achieve a simple objective: Provide quality care at an affordable and transparent price. In order to do this we adopted a practice model increasingly known as Direct Primary Care (DPC).
What is Direct Primary Care (DPC)?
Direct Primary Care (DPC) can be best described as cutting out as many third parties as possible, so the vast majority of a patient’s healthcare relationship is directly with their physician. The American Academy of Family Physicians gives a good technical definition, pasted below.
The direct primary care (DPC) model gives family physicians a meaningful alternative to fee-for-service insurance billing, typically by charging patients a monthly, quarterly, or annual fee. This fee covers all or most primary care services including clinical and laboratory services, consultative services, care coordination, and comprehensive care management. Because some services are not covered by a retainer, DPC practices often suggest that patients acquire a high-deductible wraparound policy to cover emergencies. DPC benefits patients by providing substantial savings and a greater degree of access to, and time with, physicians. DPC allows family physicians to care for the whole person while reducing the overhead and negative incentives associated with fee-for-service third-party-payer billing.
Are you recommending I leave insurance?
No, we do not recommend you leave insurance and to be clear we are not an insurance company, but a healthcare provider. You need insurance for catastrophic illness and hospitalization, savings on prescription medications, lab tests and other major medical treatment or surgery. Our goal is to improve our patients quality of life and decrease unnecessary out-of-pocket expenses and the total cost of care. We also want to provide a quality care option at an affordable price for those individuals and families who are uninsured or underinsured.
How much does it cost?
We currently offer primary care services to members and non-members as we grow our practice. Over time though we will limit the size of our practice in order to ensure a concierge level of care and attention is maintained. If you are interested in becoming a member our monthly fee is $75 per person and $125 per family, which covers ongoing primary care. For specifics on all of our services and related pricing please click here. There are no surprise bills and each visit has a complimentary 15 minute follow up telemedicine discussion.
Who leads Click2MD and who will provide the services?
Click2MD was founded and is led by Dr. Mian Majeed. He has been in practice for nearly 40 years. He is available for an informational call on our services and is happy to answer any questions and provide references.
You will always see or speak to Dr. Majeed and have his direct contact information. We are aiming to provide a concierge level of care.
How do I reach you?
You can call or text us directly at (716) 528 0000 or email info@click2md.healthcare. For our members we are available 24/7 and calls are returned promptly. In addition, our telemedicine offering helps us connect with you as needed.
How Our Medical Home Care Membership Works
Do you accept insurance or Medicare?
Currently, we do not accept insurance or Medicare. By avoiding administrative costs and time related to insurance billing our sole focus can be on caring for you. We believe spending more time with our patients can significantly improve healthcare quality and outcomes. In addition, many families, even those with insurance, face large out of pocket costs to effectively care for loved ones who need ongoing care. Our primary goals are to reduce ER encounters, hospitalizations, including readmissions, and help people age at home.
Frequent visits to the ER and inpatient hospital stays reduce an individuals quality of life. In addition, a single ER visit or hospitalization can end up in thousands of dollars of out-of-pocket expenses, even for someone with insurance or Medicare. It is also worth noting that if chronic health conditions are not managed by a focused and attentive healthcare provider(s) it can unfortunately lead to an individual needing to be moved from home to an assisted living facility or nursing home.
How much does it cost?
According to Genworth's Cost of Care Survey* a private room in a nursing home costs $12,167 per month, or $400 a day. A semi-private room in a nursing home costs $11,558 per month, or $380 a day. The cost of an assisted living facility is $4,443 per month, or $146 per day. An adult day health care program costs $1,121 per month, or $37 per day. Traditional home health care aides assist seniors with daily activities of living, light housekeeping, offer medication reminders and serve as companions. Their wages typically add up to $4,839 per month, or $159 per day.** Many of these costs are unfortunately paid out-of-pocket and are not covered by Medicare, which may surprise many and often leads to financial stress.
At Click2MD our goal is to keep our medical home care members out of long-term care facilities so they may age at home - improving one’s quality of life, while also resulting in significant cost savings. We believe we can do this via preventive, proactive and compassionate care with an engaged physician. We charge $350 per month, or $12 per day, with no surprise billing and the ability to cancel at any time.
*Buffalo Area, NY (median) **Assumes 44 hours per week
Who will provide the services?
Click2MD was founded and is led by Dr. Mian Majeed. He has been in practice for nearly 40 years and has experience working with families, home health aides and other care providers. He has a consistent and strong performance record among peers in patient satisfaction levels and 30 day readmission rates as well, objective measures of the quality of the care he has provided. We understand that choosing a care plan and provider(s) for loved ones is difficult and we are grateful for your consideration. We are available for an informational call on our services and are happy to answer any questions and provide references.
You will always see or speak to Dr. Majeed and have his direct contact information. We are aiming to provide a concierge level of care.
What if I have to go to the hospital?
We work with area hospitals and will continue your health care before, during (i.e. working with hospitalists) and after your hospital stay.
What if I need to see a specialist?
We have a wide network of medical specialists that we can recommend and that can address / treat your issues.
Do I need to leave my Primary Care Physician (PCP)?
We can take care of your total outpatient medical care or can be an additional resource for you medical care in addition to your primary doctor.