Maryland questions concierge practices

February 20, 2009
Morgan Lewis Jr.
Morgan Lewis Jr.

Certain models of the concierge practice method of medicine could be construed as engaging in the insurance business, according to a report issued by the Maryland Insurance Administration.

Certain models of the concierge practice method of medicine could be construed as engaging in the insurance business, according to a report issued by the Maryland Insurance Administration.

The most popular concierge model-which charges patients an annual fee of $1,200 or more for a comprehensive physical exam and wellness plan, yet still charges for individual office visits and other treatments-does not constitute a form of insurance.

But concierge practices that offer unlimited office visits-including a physical-for an annual fee and don't limit the number of patients, could be construed as engaging in the insurance business, because the fee would be viewed as a capitation payment.