FREQUENTLY ASKED QUESTIONS

What is mdPersonal ^TM?

What is the annual fee?

If I sign up, do I still need medical insurance? 

I have Medicare, can I still join?

I have HMO insurance, can I still join? 

What services and benefits are included in the annual membership fee?

Will you bill my medical insurance?

How do I get a patient application and agreement form?

What are my payment options?

Is the annual fee tax deductible? 

If I need to be hospitalized, where will I go and who will take care of me?

What should I do if I have an emergency on the weekend or after normal business hours?

Since I need to keep my insurance, will there be any problem with reimbursement of outside tests ordered through you?

What happens if I move after I join?

What is mdPersonal ^TM? It is a new kind of medical care in which I am able to provide the personalized, on-time care that I believe benefits you most. We all know that preventive medicine and early detection save lives. By limiting my practice to no more than 600 patients, rather than the two to four thousand patients most doctors now care for, I have the time to provide comprehensive preventive care to each one of you who becomes a member. Time to focus on long-term solutions to your health-care problems and time to educate you and research your specific concerns and needs. Time to develop individualized wellness plans, to keep you as healthy as possible for as long as possible. 

What is the annual fee?  The current annual fee is $2040 per individual, $3640 per couple, $3840 for family of three, $4040 for family of four, $2040 for single parent and one child. For families greater than four members, it is $480 for each additional child. If you have specific questions or special circumstances, please email me at DrN@mdPersonal.com with specifics.

If I sign up, do I still need medical insurance?  Yes, you still need insurance. mdPersonal ^TM membership is not a substitute for medical insurance. The annual fee is for services, including the Annual Comprehensive Wellness Examination, that are not considered covered benefits by insurance plans or Medicare. If any of the listed services are considered covered benefits, then the annual fee is for the remaining list of services. For a list of services included in the annual fee, please read further down on this page.

I have Medicare, can I still join?  Yes, you can still join mdPersonal ^TM provided you sign the application and agreement form and pay the annual fee. Nothing else will change, except that you will get a free annual comprehensive wellness examination and all the benefits of membership listed below. The annual fee covers services that are not included in Medicare's list of covered services. 

I have HMO insurance, CAN I STILL JOIN?  At mdPersonal ^TM we do not contract with any HMO's. You can still become a member and receive all the benefits listed below (24/7 phone and email access, etc.), but your actual visits to me will not be covered under your HMO insurance. You will be responsible for the cost of all office visits (excluding the annual comprehensive wellness examination, which is covered in the annual fee) and labs that are not done under your HMO physician.  If you decide to join mdPersonal ^TM we will be more than happy to offer a significant cash discount for office visits and medical care. You will still need to sign up with another PCP and can then use your HMO insurance as a form of hospitalization coverage for major medical expenses.  However, if you want to receive insurance coverage for your office visits, you will have to go through your HMO physician for all specialty referrals, lab and x-rays in order to get coverage. 

What services and benefits are included in the annual membership fee?  24/7 direct phone and e-mail access to me; same-day or next-day appointments that are on-time and can be for as long as needed; no waiting time or minimal waiting time in a comfortable private office setting; house calls for you and your family when you are too ill or unable to make it to the office; detailed coordination of specialty care, testing and accompaniment to specialists when appropriate; annual comprehensive wellness examination and my continued commitment to personalized care, emphasizing wellness and disease prevention.

Will you bill my medical insurance?  Yes, your office visits will continue to be conveniently billed by our office staff.

How do I get a patient application and agreement form?  Just email me at DrN@mdPersonal.com or click on the "Application" link above. You can also call the office at 949.502.5656

What are my payment options?  You can pay by personal check or credit card.  Special financial needs will be taken into account. Please write to Dr. Neimark for consideration.

Is the annual fee tax deductible?  If your company has a Flex Plan (Section 125) or a Medical IRA, you may be able to receive reimbursement for your annual payment with before tax dollars. I encourage you to talk with your tax advisor and employer about these options.

If I need to be hospitalized, where will I go and who will take care of me? I am proud to be affiliated with Hoag Memorial Hospital Presbyterian in Newport Beach, rated one the best hospital in Orange County and among the top 100 hospitals nationwide for its high quality patient care and extensive specialty services. I use the services of Hoag Hospital's exclusive 24 hour Hospitalist Group to manage your care while hospitalized. I will work closely with these physicians to assure all your in-patient and discharge-planning needs are being met.

What should I do if I have an emergency on the weekend or after normal business hours? I will be available for consultation 24 hours a day, seven days a week. However, there may be times when you require an emergency room for care. I highly recommend the expert staff of Hoag Hospital's Emergency Department, or the Hoag-affiliated urgent care clinics to aide in you care. I will always help to make sure that you are well taken care of.

Since I need to keep my insurance, will there be any problem with reimbursement of outside tests ordered through you? No. I am a participating physician with most PPO plans. Depending on your individual policy, most plans will cover medically necessary tests as long as they are performed at a facility contracted with you insurance. My office will make every attempt to direct you to the appropriate facility for the best coverage.

What happens if I move after I join? If you must move and transfer care, I will assist you with finding a new physician. Your medical records will be sent promptly upon your signed release of information. The balance of your yearly fee will be prorated and refunded with a 90 days written notice.