We care for patients from birth through death. Dr. Roskos delivers babies and cares for newborns in the hospital as well.
Do you provide pregnancy care?
We offer prenatal care, delivery at Sparrow Hospital, and postpartum care. Prenatal care is included in the membership fee. There is an extra charge for delivery at the hospital.
What happens if I am hospitalized?
The hospital will provide the care you need and will bill you or your insurance accordingly. Dr. Roskos does not provide care for sick patients in the hospital. However, we will help coordinate your care and make sure no balls are dropped after you are discharged. Either by phone or in person we can review medication changes and make sure you get all of the follow up care you need.
Is this concierge medicine?
No. Direct Primary Care (DPC) is different from concierge medicine in some significant ways. Concierge medicine typically bills your insurance company in addition to a monthly membership fee. Furthermore, concierge medicine membership fees are significantly higher than DPC membership fees. Most subscribers to concierge medicine are "price insensitive", in other words, saving money is not that important to them. As part of your DPC membership, we are dedicated to saving you money by avoiding costly tests and treatments, and offering low cost medications and labs. Concierge also provides a very high level of availability. We provide the availability you need to get the care that you need. We will answer texts or emails by the end of the next business day. You can also call us at night or on weekends for urgent medical needs.
What does the membership fee cover?
The fee covers all the basic primary care in the office but without any hidden fees. This includes: annual wellness exams, well child exams, sports physicals, school physicals, work physicals (unless work mandates something additional), chronic care office visits, follow-up visits, basic office procedures, and treatment of acute illnesses and minor injuries. Modern technology also enables us to enhance the relationship. So at no additional cost, we can have more direct communication using phone, text, and email. Additional fees will cover access to labs and prescription medications at a discounted rate for members.
What if I am healthy and only visit my doctor once a year? Wouldn't a membership be a waste of money?
First of all, congratulations on being healthy! That is the goal we are aiming for. However, eventually you are likely to get sick or be injured. Wouldn’t it be nice to be able to contact YOUR doctor by text or phone to get some advice? Perhaps we can keep you out of Urgent Care or the Emergency Room by seeing you and treating your problem the same day. In the usual health care model, many people end up in the ER or Urgent Care spending $200 just on the co-pay. Because these doctors are not familiar with you, additional costs are generated with the x-rays and other tests that may not have been needed. One visit to the Emergency Room could equal the cost of your membership for the year, and you still didn’t get to see YOUR doctor.
Is there an initial registration fee or a contract?
No. We do not require a registration fee or require you to sign a contract. You may cancel at any time. There is a re-enrollment fee for those who cancel and decide to re-enroll.
What if I decide to cancel my membership?
If you are unable to continue your membership due to financial hardship, we would love to find a better solution than cancelling. Talk to us first. If you are dissatisfied, we will do our best to remedy that. However, if you must cancel, there is no cancellation fee and we just ask for 24 hours written notice. The monthly membership fee will be prorated and a refund will be given for the remainder of the month. If you decide to rejoin after cancelling, you will need to pay the re-enrollment fee.
What forms of payment do you accept?
We will accept a debit or credit card.
I have health insurance, May I use it?
You may still use your insurance for all expenses besides our membership fee and the medications we dispense. We can have our reference lab bill your insurance for labs drawn in our office. You may use your insurance to fill prescriptions at your favorite pharmacy, to pay for specialist consultations, radiology tests, hospitalizations, surgeries, and anything else your insurance covers.
May I use my Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for Direct Primary Care?
HSAs and FSAs are a great way to pay for your health care needs with pre-tax dollars. IRS regulations make it pretty clear that all of the services that we provide are "covered medical expenses" reimbursable through HSAs and FSAs. Many patients use their HSA or FSA to pay for a Direct Primary Care membership. If you are unsure, you may ask your tax professional or HSA or FSA administrator.
If I Join Red Cedar direct Primary Care, will I still need health insurance?
We recommend everyone have some type of health coverage for large and unpredictable medical expenses. Primary health care is relatively inexpensive, but major illnesses and accidents can lead to huge medical bills. Everyone should have health insurance or a health cost sharing plan just in case.