Are there additional fees such as “co-payments”?

No. There are no hidden fees, co-payments, or deductibles. However, for services outside of the concierge program, such as labs, medications, imaging, etc., your insurance company may impose these.

What if I have a pre-existing condition?

No member will be excluded on the basis of a pre-existing condition.

Does this replace my health insurance?

No. Dr. Toll’s membership program provides unparalleled primary care and urgent care access and services, but the fees do not cover hospitalizations, ER visits, labs, imaging, or medications. We are not an insurance company.

What if I don’t have insurance?

We recommend that all patients carry insurance for medications, imaging, specialists, and hospitalizations. However, you may still become a member of our practice without insurance. In fact, we can often arrange discounted labs and imaging for patients without coverage.

What if I get sick away from home?

As a member, we can use our electronic medical records system to send prescriptions when necessary, coordinate care, and securely share records with local physicians wherever you may be.

What happens in an emergency?

In a true emergency, call 911 immediately. After doing so, please notify Dr. Toll’s office. He will help expedite your care at the ER and assist in guiding your treatment during hospitalization.

Is membership only for when I get sick?

Absolutely not. Dr. Toll focuses on preventative care, wellness, and helping you establish and achieve long-term health goals.

How fast are phone calls and texts typically answered? Aren’t you busy?

Typically within about 10 minutes, unless he is in a room with another patient. Traditional primary care physicians often care for 2,500–3,000 patients and see approximately 20 patients per day. Our membership-based model limits the patient panel to less than 10% of that size, allowing significantly more time per patient.

Do you accept third-party insurance or Medicare?

No. The membership includes patient access and services not covered by insurance. However, labs, imaging, and medications are covered by your insurance as they normally would be.

Is there a tax advantage to membership?

Yes. Membership fees may be paid using pre-tax dollars from a Health Savings Account (HSA). Many clients also expense these fees through their businesses. Please consult your tax advisor for guidance specific to your situation.