Frequently Asked Questions


DO YOU ACCEPT MY INSURANCE?


Happily no! Although, we do not accept any insurance at all; we accept patient’s of all ages who have insurance and who have no insurance.



IS THIS CONSIDER AS INSURANCE?


No, we are not an insurance. However, our membership can give you a peace of mind that your personal doctor is available for you when you need her.



WHAT IF I WANT TO CONTINUE MY CURRENT INSURANCE, CAN I USE IT WITH YOU?


Not for our services. However, we will work with you and provide you with the orders to submit any labs, x-rays and medications that we prescribe to your insurance. If your plan requires you to use a particular facility, just let us know. 


I HAVE GREAT INSURANCE, WHY SHOULD I JOIN?


Your time & convenience are valuable and we strive to not waste it. We understand that insurance is great for expensive events, such as hospitalizations and major illnesses. However, for basic primary care and typical illnesses or injuries, most patients can save money and / or time by not going through their insurance company. 


Using health insurance for a sinus infection or blood pressure monitoring, would be like using your car insurance for an oil change. We don’t pay a deductible for oil changes, right? 


We give you convenience and save you time. Having to wait for weeks for an appointment is counter productive for everyone. If you become sick, we can take care of you on the same day or next business day. Even take care of the problem over the phone. After all, not every ailment needs an office visit. We even have late hours for our patients that can’t afford to miss work. 


We love transparent pricing. In many cases, insurance may not pay as much as you think. If we don't have a price for something, we will get one for you.  In that way, we might help you save money. For example, we have an in-house pharmacy and offer low cost labs.


I AM HEALTHY, WHY SHOULD I JOIN?


Prevention & Wellness are very important. Having a personal physician allows you to focus on maintaining wellness & preventing disease. It’s even better if you start when you are younger and healthy. 


Also, we can tackle acute illness faster or answer your concerns with a simple phone call. 


The best of all is that you’ll know that you have a doctor who you can contact directly with any medical problem or concern. For example, if you get a sinus or bladder infection we can get you in sooner, you can leave the office with your prescription in hand and skip the lines at the pharmacy.


Do you travel for work or school? Whether you’re traveling or you’re home here in Florida, when you have an acute problem we’re here for you! 

Think of the monthly membership fee as a way to keep you healthy and help cap your medical expenses.



I DON'T REQUIRE MEDICAL ATTENTION WILL I STILL BENEFIT FROM JOINING?


Yes! We might argue that everyone benefits from a service tailored directly to them. That’s why we offer truly custom healthcare. We are devoted to the maintenance of your good health, to the enhancements of your daily experience that only physical well-being can bring. 


We’re here for your REACTIVE needs. But PROACTIVE healthcare is important. We are here for that, too. 


We get to give the gift of time. Every visit, for whatever reason, will be easygoing in its absolute thoroughness, relaxed in answering your questions and addressing the need of the moment. Then, as the months and years go by, we’ll build a comprehensive, intimate knowledge of your health, invaluable understanding available in no other regimen of care.



IF I HAVE MEDICARE, CAN I JOIN AS A PATIENT?


At this moment we are not accepting patients with Medicare as doctor has not opt out yet. However, this will change next year. I f you will like to be notified once we begin accepting medicare patients please sent us an email. 


Once we begin accepting patients with medicare, this is how it will work. We will not bill Medicare. Their monthly membership fee cannot be submitted to Medicare for reimbursement. Patients must sign a waiver every two years that declares that neither them nor the doctor will directly bill Medicare for their membership fee. Medicare and medicare supplemental insurance will still cover medical costs that patients incur outside of Your Family MD. For example, prescriptions that patients fill at an outside pharmacy, or labs run at an outside lab, or hospital charges, physical therapy, x-rays and scans are covered etc. Patients will not lose their Medicare coverage for other medical needs just because they are a patient of our practice.



IS THIS CONCIERGE MEDICINE?


The terms are often used interchangeably and essentially refer to the same principles. Direct Primary Care is a healthcare model focused on putting the patient first. That means treating them when they need it, never rushing patients through appointments, and being proactive with healthcare treatment plans. The doctor-patient relationship is just as the name suggests – direct. 


Direct Primary Care clinics don’t accept insurance, rather they choose to work directly with the patient, providing wholesale labs, deeply discounted prescription prices, and other costs savings along the way. 


Concierge Medicine bill your insurance + a monthly fee. Our only method of payment is the monthly fee, we do not bill the insurance.


DO YOU COVER SPECIALIST VISITS, SURGERIES OR HOSPITALIZATIONS?


No, as we are not an insurance company. 


We all hope to never have to go to the hospital, but sometimes it is necessary & unpredicted.


That is why we still recommend patients have insurance for unplanned scenarios such as hospitalizations, accidents, cancer, surgeries etc. 


We function similar to a home or car insurance. We have a car insurance in case of an accident that can lead to major expenses; however, we cover the cost of maintenance such as oil change, gas, tired change etc. 


Our membership covers your maintenance (90% daily healthcare needs) & insurance will cover major catastrophic, expensive events.


If you need to physically see a specialist, will refer you out to a great local doctor.If you don’t have health insurance, we will speak with the specialist about pricing. If you do have insurance, the specialist can bill your insurance company.



WHAT IF I AM HOSPITALIZED?


Our doctor does not have admitting privileges in any hospital. Therefore, she can not manage your care in an event of a hospitalization. However, she will communicate with the hospital physicians, obtain records related to your hospitalization, and see you quickly when you get out to help get you back to health and keep you there.



WHAT IF INEED MEDICAL ATTENTION WHILE I'M AWAY FROM HOME?


In the age of telemedicine, many conditions can be diagnosed and treated via a simple conversation by phone or webcam. If appropriate, we will locate the nearest pharmacy and order medication most suited for your circumstance. Alternatively, we can mail medications to you. If you need to go to the hospital or seek other medical attention while away from home, we can advise you on that as well. 


CAN I CONTACT THE DOCTOR AFTER HOURS?


Yes! It is how we do custom healthcare. 


Here is what our doctor says "  I am a human just as everyone else and I am a mother. I completely understand that illness and injury do not occur only during regular office hours. That is why my patients have a direct line where they can contact me whenever an urgent matter presents." - Dr. Caraballo


After normal office hours our members can still call and text their physician.


WHAT HAPPENS IF I NEED URGENT CARE? 


Patients can contact us whenever they have any acute medical problem. If it’s a serious medical emergency, they will be instructed to go to their nearest emergency room. If it is not a serious emergency, in many cases, we can diagnose and treat the medical need without a visit to the UC or ER. 


This is very important. If patients have a life-threatening emergency, they need to call 911 immediately. Later, a family member or caregiver can call us to inform about their situation. Our doctor will contact the emergency room and/or admitting physician to obtain an update and more information.


DO YOU OFFER IMMUNIZATIONS? 


Immunizations are not administered at the office at this moment; however, this will change in the future. 


All of the common adult immunizations are now offered at most local pharmacies and I can provide a prescription for the patient to have it administered at the pharmacy. 


Pediatric immunizations are not given at the pharmacy, in these cases, I will discuss the options on a case-by-case basis. Please contact us if you are concerned about how your child's shots will be kept up-to-date. 



WHAT IF MY DOCTOR IS ON VACATION? 


As a member of Your Family MD, you are never alone. Even when the doctor is out of town, she will still be available by phone for your urgent needs, unless she is out of the Country (rarely happens). 


You will be notified by email prior to any vacations, unless there is an emergency, were there be a short noticed. 


If patients need to be physically evaluated for an acute problem while the doctor is out of town, they will need to go to nearest UC or ER. However; we will work our best to find a physician that will help covered her services for the patients. 




ARE THERE ANY EXCLUSIONS FOR PRE-EXISTING CONDITIONS?


No. We do not have any pre-existing condition exclusions. 


There is also no increases in the membership fee based on your prior health history. In fact, patients with chronic medical conditions will benefit from our program. 


The only exception is that we do not prescribe any controlled substances. 




WHEN DO I PAY MY FEES FOR NON-COVERED LABS, IMAGING AND PROCEDURES?


Charges will be added and applied to your preferred method of payment & most likely charged on the day of service. We love transparency of price, so we will always let you know what you're being charged for. 



ARE THE MONTHLY FEES ELIGIBLE FOR HSA OR FSA REIMBURSEMENT?


Unfortunately, this questions does not have a clear answer yet. It appears that for now, you cannot. 


There are bills in congress currently to help patients be able to use an HSA or FSA card to pay for their monthly membership fees. 


If you have an HSA, contact your representatives and tell them to support bill H.R. 365.


Although, we have seen that many patients find that their DPC fees are reimbursable through their HSA or FSA. If you choose to use your HSA or FSA card for fees, we recommend you verify this with your accountant or financial advisor.



IS MY MEMBERSHIP TAX DEDUCTIBLE?


Unfortunately, no. Your retainer is not yet defined as a “medical expense” in most states and as such is not deductible. Please confer with your tax consultant to clarify tax consequences in your particular circumstances.



WHAT IF I DECIDE TO CANCEL OR HAVING FINANCIAL DIFFICULTIES?


We understand that things happen. We expect to have an open, honest, respectful relationship with you and for that reason we do not have a minimum commitment. We ask that you give us a 30 day notice if you wish to cancel.  If you choose to rejoin, you may be charged a re-initiation fee & will depend if we have already a full panel (250 patients).


We understand that life happens. If you are having financial difficulties & would like to continue your membership, do not hesitate to let our doctor know. We are here to help you during the ups and downs. We love our patients. 



ARE MY MEDICAL RECORDS EVER SHARED WITH INSURANCE CARRIERS OR GOVERNMENT AGENCIES?


No. Patient privacy is a natural benefit of this medical model. We will never provide any third party with a copy of your records, unless you specifically ask us to do so or if Your Family MD is subject to subpoena or search warrant.



HOW WILL I KNOW IF THE DOCTOR IS THE RIGHT FOR ME?


It’s easy. Come get to know her! Schedule a free, unconditional visit to discuss your healthcare needs, your expectations, doctor’s expectations and all the pros and cons you might find. It’s the only reasonable way to begin what we trust will be a long, productive, healthy relationship. 



OUR PRACTICE WORKS WELL WITH MANY INSURANCE PLANS


Although we don’t bill any insurance, our practice works well in combination with an insurance plan.

Members with a PPO get reimbursed directly from their insurance company for medical services provided. 


Fees paid for medical services can be counted towards a high deductible insurance plan.


We have negotiated deep discounts for medications, labs, and imaging for those without insurance.



NEED HELP FINDING THE RIGHT INSURANCE FOR YOUR FAMILY OR EMPLOYEES?


There are so many options out there that can be combined with our membership. 


Patients will have the peace of mind of having a doctor who they can reach out easily & coverage if they end up in the hospital. 


If you need help finding coverage for hospitalizations, reach out to us. We can put you in contact with a trusted broker agent who can help you. 


Patients who have insurance can still use their insurance, if they wish to for labs, imaging, and medications at any facility they choose, depending on their insurance. 


If we haven’t fully answered all of your questions, please contact us via phone or email so we can further assist you.